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.