Excess & Side A



  • One-page pure follow form policy

  • Recognition of erosion of underlying limits

  • Broad shaving of limits

  • Cooperation severability

Side A

  • No presumptive Indemnification

  • Preliminary inquiry coverage

  • Non-rescindable

  • No subrogation against an Insured Individual

  • No prior notice, IVI, ERISA, Pollution, BI/PD exclusions

  • SOX 404/ Dodd-Frank 954 “Facilitation” Costs

  • Personal assets protection costs

  • Advancement within 60 days

  • Automatic coverage for acquisitions and new subsidiaries during the policy period.

  • Severability of cooperation

  • $1M limit dedicated to independent directors

  • Affirmative coverage for fiduciaries of employee benefit plans

  • Liberalization to the underlying