Products and Services

EIM offers four casualty insurance products - Excess General Liability, Excess Directors and Officers Liability, Excess General Partner Liability and Excess Fiduciary Liability. These policies cover losses excess of at least $35 million.

As a condition of Excess Directors and Officers, General Partners and/or Fiduciary coverage, an EIM Member must maintain at least $35 million of applicable underlying Directors and Officers or General Partner coverage.

Each of the above policies is a claims first made policy and is available on a "following form" basis.

EIM also provides Property capacity of up to $35 million and has additional capacity available through the NEIL alliance.

For additional information, contact Jill Dominguez

Excess General Liability Policies

Limits Available

  • Minimum limit $10 million per occurrence and in the annual aggregate up to $100 million.

Policy Features

EIM's Excess General Liability policy is written specifically to cover a Member's liability for bodily injury, property damage and personal injury to third parties that may arise out of the Member's operations, including:

  • Premises and operations hazards (world-wide)
  • Products and completed operations
  • Pollution
  • Automobile
  • Failure to supply
  • Joint ventures

In addition to the general coverages outlined above, the Excess General Liability policy can be endorsed to cover:

  • Excess Employment Practices Liability
  • Excess Professional Liability (subject to a $65 million sub limit)
  • Excess Worker's Compensation and Employer's Liability coverage

For additional information, contact Jill Dominguez

Excess Directors & Officers Liability Policies

Limits Available

  • Minimum limit $10 million per wrongful act and in the annual aggregate with limits up to $50 million in $5 million increments.

Policy Features

EIM's Excess Directors and Officers Liability policy is a following form policy, which in a majority of cases follows the AEGIS form.
As such, the EIM policy can include:

  • Nuclear Coverage
  • No Pollution Exclusion
  • Optional Corporate Entity and Securities Claims coverages are available

For additional information, contact Jill Dominguez

Excess Fiduciary Liability Policies

Limits Available

  • $25 million

Policy Features

EIM's Excess Fiduciary Liability policy offers additional coverage protection for its Members in cases of claims being brought for other breaches of fiduciary duty such as: funding issues in defined benefit plans, changes in participant's benefits, cash benefit plan conversions and administrative errors and omissions.

For additional information, contact Jill Dominguez

Excess General Partners Liability Policies

Limits Available

  • Minimum limit $10 million per wrongful act and in the annual aggregate with limits up to $50 million in $5 million increments.

For additional information, contact Jill Dominguez

Property Policies

Limits Available

  • Maximum Capacity is $35 million to any qualifying Member.
  • Earthquake, Flood, and Wind Exposures will be monitored.
  • Accounts with Zone A Flood and/or Catastrophe Exposures may be subject to Reduced Capacity and/or Limits and/or Higher Deductibles.
  • Earthquake and Flood must be written with Annual Aggregates.

Policy Features

  • Capacity is provided on a Quota Share basis only.
  • To access the Property facility, Members must purchase Excess General Liability and/or Excess Directors and Officers coverage from EIM.

EIM Submission Procedure - Property

Submit to Scott Leiman, Senior Underwriter - Property, providing at least 45-60 days lead time.

Provide:

  • Detailed Loss Prevention Inspection reports
  • A Minimum of Five Years Loss Experience
  • A Listing (preferably electronic) of Locations and Values
    Including detailed address information
  • Business Interruption Worksheets
  • Sample Policy Form
  • Current and Proposed Specs and Limits

Excess Cyber Liability

Limits Available

  • $5 million excess of $35 million.

Policy Features

Cyber coverage is available in many forms, encompassing a variety of coverages. EIM is committed to supporting Member Companies in their efforts to identify and secure responsive cyber risk protection. To this end, the Company is available to review and underwrite any cyber coverage that Members find compatible with their excess coverage needs.

For additional information, contact Jill Dominguez