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GENERAL LIABILITY /EXCESS LIABILITY <br />UMBRELLA LIABILITY <br />LIMITS: <br />- $5,000,000 occurrence /aggregate with option for additional $5,000,000 in limits up to <br />$25,000,000 <br />S.I.R.: $10,000 <br />COVERAGE MUST INCLUDE THE FOLLOWING• <br />- First dollar defense <br />- "Pay on behalf of " rather than "indemnify" insured for loss <br />- Full automatic reinstatement of the limit of liability without additional premium <br />- Notice of occurrence, knowledge of occurrence, unintentional errors and <br />omissions on cross liability <br />- Liability for real and personal property in insured /care, custody, and control <br />- Advertiser's liability <br />- Provide coverage at least as broad as scheduled underlying policies <br />- Defense costs paid in addition to applicable limit of liability <br />- Occurrence should be defined as an event, happening, or incident <br />- Provide coverage for discrimination <br />- Limited worldwide liability /U.S. suits <br />- Cover non -owned aircraft and watercraft <br />10 <br />