Umbrella Liability coverage is placed through Residential Resources, Inc., a purchasing group managed by Breed's Hill.

Limits options for $25,000,000, $10,000,000, and $5,000,000 are available

Minimum Underlying Coverage
The above limits are excess of the following underlying limits, of which defense costs are in addition to the limit of liability.

» General Liability	$1,000,000 per Occurrence
	$2,000,000 General Aggregate per Location
	$1,000,000 Products Completed Operations
» Auto Liability	$1,000,000 Combined Single Limit
» Employee Benefits	$1,000,000 (if applicable)
» Directors & Officers	$1,000,000 Occurrence / Aggregate (if applicable)
» Employers’ Liability	$1,000,000 Each Accident
	$1,000,000 Disease Policy Limit
	$1,000,000 Disease Each Limit

Underlying carriers must be rated A-, VII or better.

SIR - $10,000 Each Occurrence

Rating Basis
» Number of Units
» Number of Pools
» Commercial Square Feet
» Number of Private Passenger Transportation (PPT)
» Number of Commercial Vehicles (<10,000 GVW)
» Number of Commercial Vehicles (10,000 to 20,000 GVW)
» Number of Acres of Vacant Land
» Number of Square Footage for Parking Lots