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UMBRELLA EXCESS LIABILITY-OCCURRENCE <br /> Features&Benefits <br /> Coverage <br /> ' This coverage is designed to provide excess limits above primary coverage for bodily injury,property damage,personal and advertising injury <br /> that results from a catastrophic event. "Drop down"coverage responds to a reduction in the available primary insurance limit as a result of an <br /> impaired each event limit and replaces the primary insurance should the underlying total limit be exhausted. Coverage is on a broader than <br /> primary basis. <br /> Who is an Insured <br /> Follows the primary. <br /> Other <br /> ♦ Sewage Back Up and Failure To Supply are excluded. <br /> ♦ Retained Limit Any One Occurrence or Offense applies only to losses covered by the Umbrella Excess but not covered <br /> under the primary. <br /> I'I <br />