GROUP PERSONAL EXCESS LIABILITY SUMMARY

The  WPP Group Personal Excess Liability Plan (the “Plan” or the “GPEL Plan”), administered by Arthur J. Gallagher Risk Management Services Inc. and insured by the Chubb Group of Insurance Companies (“CHUBB”) protects you and any eligible family members against third party lawsuits and claims, worldwide.

 

ELIGIBILITY:

All U.S. benefit eligible employees and their spouse/domestic partner and any relative who lives with you or any other person who lives with you, is under 25 and is in your care or your spouse/domestic partner’s care.

 

ENROLLMENT:

Coverage is effective January 1 (or later) through December 31. 

 

COVERAGE:

GPEL provides you, your spouse or domestic partner and relatives who reside with you or any other person who lives with you, is under 25 and is in your care or your spouse/domestic partner’s care additional protection if your liability in a lawsuit exceeds the insurance coverage provided under your automobile, homeowners, tenants, recreational vehicle or watercraft  insurance policies.  GPEL Insurance also covers personal injury suits including libel, slander or defamation of character, which generally are not covered by primary insurance policies.  GPEL covers the judgment and settlement amounts as well as all defense costs associated with liability claims.  It will pay the defense costs, whether the claim proves to be valid or not.  Coverage is available from $1 million per occurrence up to $10 million per occurrence.  Higher limits may be available. Please email GGB.WPPGPEL@AJG.COM for more information.

The Plan is fully insured by the Chubb Group of Insurance Companies “CHUBB”. Benefits are payable under the Plan only to the extent the insurer determines benefits are payable under the insurance contract.

 

EXCESS UNINSURED/UNDERINSURED MOTORIST COVERAGE:

Coverage is available from $1 Million to $5 Million. Your GPEL limit must be equal to or higher than your elected UM/ UIM Limit.

 

EMPLOYMENT PRACTICES LIABILTY:

 Protection is afforded to individual certificate holders who elect the optional coverage. It is designed for individuals who have 5 or fewer residence employees working 15 hours or more in the U.S., its territories or possessions, Canada or Puerto Rico.

  • Provides coverage against employment-related discrimination ,sexual harassment and wrongful termination

  • Covers damages up to the limit of liability in which the insured or resident relative is legally obligated to pay to a suit resulting in a settlement or judgment

  • Includes coverage for actions, administrative proceedings or hearings dealing with the alleged claims

  • Also, includes $25,000 expense coverage for service provided by an Employment Practices Crisis Management firm

  • Deductible $10,000

 

COST:

Premiums are based on the amount of coverage you select and are payroll deducted.

 

REQUIRED UNDERLYING PRIMARY INSURANCE:

The Group Excess Liability policy requires you to carry primary underlying liability insurance of the types and in at least the amounts listed below.  Please note, coverage for watercraft over 26 ft. and / or over 50 horsepower, motor homes, and vehicles with less than 4 wheels is excluded under this policy if you do not have the required underlying liability coverage in effect.  The Group Excess policy pays only after the required primary insurance limits have been paid.  To avoid gaps in coverage, you must maintain the following underlying liability coverages:

  • Personal Liability (Homeowners) for personal injury and property damage; minimum amount of $300,000 each occurrence.

  • Registered vehicles: $250,000 per person/$500,000 per occurrence for bodily injury and $100,000 for property damage; or $300,000/$300,000 bodily injury and $100,000 property damage; or $300,000 single limit each occurrence. This coverage is also required for motor vehicles with less than four wheels, motor homes you own, rent or that are furnished to you for longer than 30 consecutive days and for autos rented, borrowed or furnished to you for longer than 60 consecutive days.

  • Unregistered vehicles: $300,000 for bodily injury and property damage each occurrence.

  • Watercraft less than 26 feet and less than 50 horsepower: $300,000 each occurrence, including watercraft you own, rent or that are furnished to you for longer than 30 consecutive days.

  • Watercraft 26 feet or longer or watercraft more than 50 engine rated horsepower, including watercraft you own, rent or that are furnished to you for longer than 30 consecutive days, for bodily injury and property damage in the minimum amount of $500,000 each occurrence. Coverage is excluded for watercraft 26 feet or longer or 51 horsepower or more for which you do not carry the required underlying insurance or are: longer than 70 feet; or faster than 65 MPH; or chartered under a written charter party agreement; or used or operated with a full-time captain or any full-time paid crew member(s).

  • Uninsured/Underinsured Motorists’ protection: $250,000 per person, $500,000 per occurrence for bodily injury; or $300,000/$300,000 bodily injury or $300,000 single limit each occurrence.

In many cases, the GPEL Plan will pay an approved loss even if you do not carry the required underlying coverage, but the required underlying limits must first be paid by you or through other insurance and will not be covered by the GPEL Plan.  This gap in coverage can be avoided by ensuring you carry the above listed Required Underlying Primary Insurance limits. 

  

EXCLUSIONS:  Please refer to the Contract

 

 If You Terminate Employment

Your GPEL Plan coverage will end effective your termination date.

 

If You Retire

You may not continue the coverage in the group program and coverage will end effective the date of retirement.

 

If You Need to File a Claim

To report a Claim, please call Chubb directly (24 hours) at 800-252-4670 OR send them an email notification at cscfnol@chubb.com and copy Gallagher at GGB.WPPGPEL@AJG.COM

 

QUESTIONS

Call Antonietta Ruggiero from Arthur J Gallagher Risk Management Services Inc. at (212) 994-7076 or send an email to GGB.WPPGPEL@AJG.COM

 

The Group Personal Excess Liability Program is an insurance product offered through Arthur J Gallagher Risk Management Services Inc. and insured through Chubb Group of Insurance Companies “CHUBB” is not an employee benefit plan sponsored by WPP Group.  Accordingly, WPP Group has no responsibility for the administration of the program or for any amounts payable thereunder.  All inquiries with respect to the program should be directed to Arthur J Gallagher Risk Management Services Inc.

 

 **Please note, this outline merely serves to highlight some major areas of coverage and exclusions under the policy.  The actual policy, which will be sent to you, will dictate the coverage, exclusions and conditions under the GPEL Plan.