Nonsubscription Product Comparison

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%

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