Required Underlying Insurance

It is a condition of the Group Personal Excess Liability Plan that you and your family members maintain in full effect primary underlying liability insurance of the types and in at least the amounts shown below. If you carry less than the minimum required limits, you will be responsible for any "gaps in coverage" between what is required and the amount of the primary coverage. Unless there is underlying coverage as stipulated below, rented, borrowed, or furnished vehicles and watercraft are not covered for more than 60 days.

The following chart shows the minimum underlying primary liability policy limits that are required for coverage under the Plan. It is recommended that you contact your current insurance carrier or agent to ensure that you meet the limits before enrolling in this Plan. You may also contact the plan administrator, MMA PCS, at (855) 426-1380 for a complimentary personal risk management review.


Coverage	Underlying Limits (Per Person/Per Accident)
Personal Liability/ Property Damage	$300,000
Personal Automobile Liability (Registered Vehicle)	$250,000/$500,000 of bodily injury and $100,000 of property damage; OR $300,000/$300,000 of bodily injury and $100,000 of property damage; OR $300,000 single limit each occurrence
Personal Automobile Liability (Unregistered Vehicle)	$300,000 bodily injury and property damage each occurrence
Registered Vehicles (less than four wheels) and Motor Homes	$250,000/$500,000 of bodily injury and $100,000 of property damage; OR $300,000/$300,000 of bodily injury and $100,000 of property damage; OR $300,000 single limit each occurrence
Uninsured Motorist/ Underinsured Motorist Protection	$250,000/$500,000 of bodily injury and $100,000 of property damage; OR $300,000/$300,000 of bodily injury and $100,000 of property damage; OR $300,000 single limit each occurrence
Watercraft
Less than 26 ft. and 50 engine-rated HP or less	$300,000 each occurrence
26 ft. or longer, or more than 50 engine-rated HP	$500,000 each occurrence

Please Note: If you carry limits that are higher than the minimums required under the Plan, you can either reduce your underlying limits to the required minimums or keep the higher limits. If you choose to leave your underlying limits higher than the minimum amounts required, you will have a higher level of coverage. If your primary coverage is with Chubb, the maximum allowable underlying liability limit is $1,000,000.

If you fail to maintain the required underlying limits for your primary insurance, and there is an occurrence that would have been covered by such insurance, you will be responsible for the amount of damages up to the applicable minimum required underlying limits of your required primary insurance.

The Plan will only pay amounts in excess of your required underlying limits.