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integrated excess policies

Excess insurance policies that can apply as additional coverage over one or more different types of primary liability policies, which are usually, but not always, written on a claims-made basis. Integrated excess policies are also known as "flexible excess" policies and most often apply as excess coverage over directors and officers (D&O), employment practices liability (EPL), and fiduciary liability policies. Integrated excess policies are written with a single, aggregate limit for all of the underlying coverages to which the policy applies.

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