The Plan at a Glance

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	Group Umbrella Liability Insurance Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	Exclusions

	Glossary

The Plan at a Glance

The Group Umbrella Liability Insurance Plan provides additional liability coverage above the limits of your personal insurance. The chart below contains some important Plan features. For more information, see "How the Plan Works."


Plan Feature	Highlights
How the Plan Works	This insurance covers you for personal injury and/or property damages to third parties, over and above the coverage that you may have through other insurance, including automobile and homeowner's insurance. These other policies are called primary insurance (meaning that these policies pay first), while the group umbrella coverage is activated only after the primary insurance is exhausted, or used up. Umbrella coverage is generally purchased to provide limits over and above primary insurance and to potentially provide coverage where a coverage gap may exist.
Required Primary Insurance	The coverage you elect through the Plan is excess of coverage over other collectable insurance. For some coverage you must maintain primary insurance in order to be fully covered. This is known as the Required Primary Underlying Limit. See "Participating in the Plan" for details.
Eligibility	You are eligible to participate in this program if you meet the eligibility requirements set forth below. See "Participating in the Plan" for details.
Enrollment	You enroll for coverage by signing in to MMC PeopleLink's MMC Benefits Online.
Contact Information	For more information, contact: Marsh Voluntary Benefits, an MMC Company formerly known as Marsh @WorkSolutions. Phone: (800) 225-2265, Monday through Friday, 8 a.m. to 6 p.m. Eastern time. MMC does not administer this Plan. Marsh Voluntary Benefits' decisions are final and binding.