eXS Umbrella Policy

Limited commercial liability coverage for specific types of businesses. Offering $5 million in coverage, umbrella or excess.
 

Every business needs liability coverage, but their needs vary widely. If your business (or your client’s business) has relatively limited commercial liability needs, then RLI’s eXS coverage might be the perfect fit. The eXS criteria follow:

• The business has 10 or less automotive power units AND a radius of operations less than 100 miles. No extra heavy trucks, tractor trailers or buses. No owned or non-owned delivery services.
• The business has annual sales / receipts no greater than $7.5 million.
• The business may have apartments or habitational risks in buildings three stories or less in height with no more than 500 units, and no HUD, Section 8 or subsidized housing.
• The business may have offices, retail/wholesale and other OL&T type risks in buildings less than 50,000 square feet at any single location.
• The business may be a general contractor, but construction of buildings cannot exceed three stories in height 250,000 square feet in area.
• The business must have a record of claims within the last five years that does not exceed:
  • $100,000 in the aggregate within any one year for any one line of coverage, or
  • $50,000 or more for any single loss.

Acceptable classes of business
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