# UMBRELLA LIABILITY INSURANCE POLICY QUICK REFERENCE

This Index will guide you quickly to the information you are looking for:

- Declarations Page
  - Your Name and Address
  - Policy Period
  - LIMITS OF LIABILITY
  - PREMIUM

The Declarations Page contains specifics of your policy — such as the period your policy is in effect, limits of liability selected, the premiums and other information related to you and your insurance.

## POLICY PROVISIONS

| I | Coverage, Exclusions | 1 |
| II | Investigation, Defense Settlement | 2 |
| III | Persons Insured | 3 |
| IV | Limits of Liability | 4 |
| V | Definitions | 4 |
|   | Nuclear Energy Exclusion | 6 |
|   | Conditions | 7 |
|   | Premium | 7 |
|   | Notice of Occurrence | 7 |
|   | Assistance and Cooperation of the Insured | 7 |
|   | Action Against Company | 7 |
|   | Appeals | 7 |
|   | Other Insurance | 8 |
|   | Subrogation | 8 |
|   | Changes | 8 |
|   | Assignment | 8 |
|   | Maintenance of Underlying Insurance | 8 |
|   | Sole Agent | 8 |
|   | Cancellation | 8 |
|   | Declarations | 9 |