Product / Options
|
North American Capacity
|
North American VIP
|
American Fidelity Occ Acc
|
AM Best Rating |
A+XV
|
A+XV
|
A+IX
|
Policy Form |
Non-Admitted
|
Non-Admitted
|
Admitted
|
Per Occurrence SIR Range |
$1,000 - $5,000,000
|
$1,000 - $100,000
|
$1,000 - $250,000
|
Per Occurrence CSIL option |
1 - 25 million
|
500K to 1 million
|
500K to 1 million
|
Disability Period Limit / Option |
156 or 260 weeks up to 1K per week
|
104 or 156 weeks up to 1k per week
|
104 or 156 weeks up to 1K per week
|
Medical Period Limit |
None
|
104 or 156 weeks
|
104 or 156 weeks
|
Employer Liability Limit |
None
|
104 or 156 weeks
|
No employer liability
|
Legal Defense Costs |
First dollar outside policy limits (optional)
|
During max coverage period in CSL
|
None
|
Pay on Behalf Option |
Available
|
Available
|
Available
|
Policy Aggregate |
$25,000,000
|
$15,000,000
|
$10,000,000
|
Commissions |
12.5%
|
15%
|
15%
|
|