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��'���� :■ <br /> INSUI�ANCE BONDS <br /> �l Sdy Capit.�l Cnmpanv <br /> . � <br /> Umbrella policies ha�e three functions: (1) To provide additional limits above the Each <br /> Occurrence Limit of the insured's primary policies; (2) To take the place of primary insurance <br /> when primary aggregate limits are reduced or exhausted; and (3) To provide broader coverage for <br /> some claims that would not be covered by the insured's primary insurance policies, which could <br /> be subject to policy retention. <br /> � , <br /> Each Occurrence $5,000,t100 <br /> Personal Advertising&Injury $5,000,000 <br /> Annual Aggegate $5,000,000 <br /> Product-Completed Operations Aggregate No Coverage <br /> Self-Insared Retention -0- <br /> � <br /> Illinois Changes—Cancellation&Nonrenewal Care, Custody&Cotrtrol <br /> Illinois Changes—Defense Costs Employee Benefits <br /> Service of Suit Nuclear Energy <br /> 25%Minimum Earned Premium Abuse&Molestation <br /> Fungi or Bacteria <br /> Infringement of Intellectual Property Rights <br /> Certified Acts of Terrorism <br /> Avian Flu I <br /> Benzene <br /> Unsolicited Communications <br /> Siiica or Silica-Related Dust <br /> Employers Liability <br /> Professional Services <br /> Terrorism for Commercial Auto Liability <br /> Annual Pxemium: $20,720 <br /> Endorsements &Exclusions outlined above are in addition to standard policy coverage forms. 9 <br />