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Integrated Excess Policies

Definition

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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