>> Agency should be in business for more than three years. 未满三年者, 每个合伙人的résumé, 老板, 应该提供军官, 及机构没有资格获得职员评等.
>>The program does not drop down and provide coverage excess of sub-limits, 除非特别安排.
>>Umbrella coverage does not extend to Fiduciary Liability, 董事和高级职员财务投资证券或网络责任.
>>Higher limits are required if defense is within the limits.