OUTLINE OF COVERAGES

                                  CORE COVERAGES

I.   PRIMARY GENERAL LIABILITY

A.   LIMITS:    $5,000,000 per occurrence/$6,000,000 general aggregate

B.   BROAD FORM COMMERCIAL GENERAL LIABILITY

C.  DEDUCTIBLE OPTIONS:

1.   $1,000 Property Damage (minimum)

2.   $2,500 Property Damage

3.   Bodily Injury & Property Damage.

D.  Optional:  Claims made coverage

 

II.   PRIMARY AUTOMOBILE LIABILITY

A.   LIMITS:    $5,000,000 Combined Single Limit for Owned, Hired and      Non-Owned Autos.

B.   DEDUCTIBLES: Same as chosen for General Liability

C .   UNINSURED MOTORIST COVERAGE included

OPTIONAL COVERAGES

III.   AUTO PHYSICAL DAMAGE COVERAGE

A.   COMPREHENSIVE - Available for private passenger and light trucks.

1.   DEDUCTIBLES:   $500 or $1,000

B.   SPECIFIED PERILS

1.   DEDUCTIBLES:   $1,000 or $5,000

C.   COLLISION

1.   DEDUCTIBLES:   $500 or $1,000

D.   Coverage written on an Actual Cash Value basis.

IV.   EXCESS LIABILITY

A.   Limits available:

1.   Up to $10,000,000 per occurrence/annual aggregate

B.   Written on following form basis

C.   Uninsured Motorists coverage excluded

V.   ERRORS & OMISSIONS LIABILITY

A.   LIMITS:  $1,000,000 or $5,000,000

B .   DEDUCTIBLE:  $10,000 other than Employment Practices Liability, $25,000 Employment Practices Liability

C.   Written on an occurrence basis

1.   Maximum of two years prior acts available.

2.   Two year Extended Reporting available.