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Binder <br />Coverage Explanations <br />Binder Page 45 of 48 <br />As million dollar liability verdicts become increasingly common,an Umbrella policy may be the most important <br />insurance your client buys.In addition to providing higher limits for those policies listed as underlying coverage,an <br />Umbrella from The Hartford extends our General Liability Choice coverage in critical areas such as personal and <br />advertising injury,additional insured,mobile equipment,and CyberFlex (if purchased).By having primary and umbrella <br />coverage with The Hartford,your client’s claim is handled by one team of claim professionals -a definite advantage as the <br />complexity of a claim increases. In addition: <br />If a contract requires that your client name others as additional insureds on the primary policy,The Hartford <br />automatically extends that status to them in the umbrella.An umbrella from another carrier may not be as <br />broad. <br />If your client is legally liable for the injuries of others,we extend coverage to mental anguish that results from <br />bodily injury, sickness or disease for which they are held responsible. <br />Docusign Envelope ID: 8B1A83C1-5D3E-8229-81C5-784070B121B4