Umbrella Policy
The Ian H. Graham Insurance Umbrella Program complements the Non-Profit Community Association Directors' & Officers' Liability Insurance Policy.

Eligible Associations
Non-Profit Residential Community Association including Homeowners Associations, Condominium Associations, Property Owner Associations and Cooperatives.

• All underlying carriers must be rated A-VII or greater by A.M. Best Company.
• General Liability with $1 million per occurrence and $2 million in the aggregate
• Automobile Liability $1 million
• Written concurrently with underlying coverages

Coverage 
Excess of General Liability, Employers' Liability and Automobile Liability (Carrier must have an A.M. Best Rating of A-Vii or greater.)

Limit of Liability
$5 million, $10 million, $15 million and $25 million available. Each policy is separate and no limits are shared.

Other Coverages and Exclusions
See application and policy forms for other underwriting guidelines, exclusions and coverages.