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 Federal  Insurance Company (“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 coverage limits may be available.  Contact Arthur J. Gallagher Risk Management Services Inc.

The Plan is fully insured by Federal Insurance Company “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.

 

UNDERLYING PRIMARY INSURANCE:

 The GPEL Plan requires you carry the following primary insurance and pays only after your primary insurance policy limits are exceeded:

  • 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 per person $300,000 per occurrence for bodily injury and $100,000 for property damage or $300,000 combined single limit each occurrence.
  • Unregistered vehicles: $300,000 for bodily injury and property damage each occurrence.
  • Registered Vehicles with less than four wheels and motorhomes in the minimum amount of:

$250,000 per person/$500,000 per occurrence for bodily injury and $100,000 for property damage; or $300,000 per person/$300,000 per occurrence for bodily injury and $100,000 for property damage or $300,000 combined single limit each occurrence. 

  • Watercraft less than 26 feet and less than 50 horsepower: $300,000 each occurrence.
  • Watercraft 26 feet or longer or more than 50 horsepower: $500,000 each occurrence.
  • Uninsured/Underinsured Motorists’ protection: $250,000 per person, $500,000 and $100,000 for property damage; per occurrence for bodily injury or 300,000 per person/$300,000 per occurrence for bodily injury and $100,000 for property damage or $300,000 combined single limit occurrence.

 

The GPEL Plan will pay an approved loss even if you do not carry underlying coverage, but the underlying limits must first be paid by you or through other insurance and will not be covered by the GPEL Plan.

  

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 Federal Insurance Company “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.