We have developed a Low Limit Umbrella Liability program underwritten through JGS and issued through Chubb Group of Insurance Companies. We have Umbrella policies available in limits of $1 Million through $5 Million excess of GL, Auto, Employers Legal Liability and Directors and Officers policies.

• The financial security of Chubb Group of Insurance Companies receives consistently high ratings for financial strength from A.M. Best, Moody’s and Standard & Poor’s, the leading independent analysts for the insurance industry.
• Coverage A of the form is an absolute following form umbrella which means the umbrella policy will follow the underlying package. It will rely on the definitions used in the underlying; if coverage exists there it will be covered under this policy as well (unless the policy contains a specific exclusion).
• Developer Sponsored Boards are Eligible!
• High Rise Associations are eligible by referral.
• Excess of Directors & Officers, General Liability, Automobile, Employee Benefits, Employers Liability

Best’s Rating A-VI or better; Otherwise Refer to Company

• Individual Policies Issued by Chubb Group of Insurance Companies to run concurrent with the Underlying GL policies.
• Following Form Named Insured
• Following Form General Liability
• Following Form Directors & Officers Liability
• Following Form Automobile
• Following Form Employers Liability
• Absolute Pollution Exclusion
• Following Form Employee Benefits Liability
• Following Form Personal Injury
• Following Form Aggregate Per Location where applicable
• No Self Insured Retention, unless required by statute

• Pollution Exclusion
• Employment Related Practices Coverage A&B Exclusion
• Personal Injury/Discrimination Definition – Coverage B
• Defense within Limits Notice (Follow form D & O within or without)
• Professional Services Exclusion – Coverage B
• Extended Reporting Period Endorsement
• Employers Liability Limitation Endorsement – Coverage A&B
• Care, Custody or Control Exclusion – Coverage A&B: Real & Personal Property
• Biological Agents Exclusion
• Terrorism Exclusion – Coverage B
• Lead Exclusion – Coverage A&B
• Total Abuse or Molestation Exclusion

In order to bind coverage, we will need a copy of the general liability binder or quote letter listing all endorsements that will be attached to the policy; including the acceptance or rejection of terrorism coverage and a signed application. Upon receipt of same, we will amend our endorsements if necessary.

Our members range from small start up associations to large multi-thousand unit complexes. New Construction, associations currently under development, builder/developer controlled associations, established associations, Homeowners Associations and Planned Unit Developments are all eligible for coverage under the program.

With low minimum premiums of $500.

No matter what your size, Preferred Property Program® together with JGS is your choice of quality insurance protection at competitive prices.