July 24, 2017 Practice Points

Avoiding Coverage Gaps in Your Excess Policies

A few recent trends suggest more attention should be given to retentions and deductibles to ensure a seamless transition from primary to excess layers up through a coverage tower

by Nicholas M. Insua

When placing or reviewing umbrella or excess policies, readers often focus on consistency between the coverage period, coverage grants, definitions, and exclusions. But a few recent trends suggest more attention should be given to retentions and deductibles, to ensure a seamless transition from primary to excess layers up through a coverage tower.

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