Program Coverage and Limits
Primary
Product Liability and General Liability -- Coverage is available with
limits of $1 million per occurrence with a $1 million aggregate per policy year
above a deductible or self-insured retention. (Higher deductibles mean
lower premiums.) Primary coverage extends to claims for bodily injury and property damage
resulting from product liability, personal and advertising injury, contractual
liability, host liquor liability, fire legal liability, and premises medical
payments.
Excess Product Liability, Excess General Liability and Excess Auto Liability --Coverage is available for limits of up to $5 million. Excess liability coverage is available above primary limits of at least $1,000,000. AFIIC offers $5,000,000 in total limits to each insured, either as $1,000,000 in primary limits plus $4,000,000 in excess limits, or $5,000,000 in excess limits. Additional limits may be available to individual insureds requiring higher limits.