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Excess Highlights
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- Follows primary policy, but no broader than the most restrictive underlying insurance policy
- No exclusions
- Policy will not drop down due to exhaustion of sublimit, but policy will recognize payment of sublimit
- Follows the underlying policy, designated as “Followed Policy,” for key terms such as:
- Cancellation
- Discovery period
- Notice of claims
- Short policy form—only two pages in length
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