Per Occurrence & Aggregate Limit	Deductible
$1,000,000	$500
$2,000,000	$500

Coverage	Description	Limit
A	Bodily Injury/Property Damage	As shown above
B	Personal Injury/Advertising Injury	As shown above
C	Medical Payments – Per Person Medical Payments – Per Accident	$5,000 $25,000
D	Tenant’s Legal Liability	$500,000

ENCON offers a policy form that provides coverage for both Errors & Omissions and General Liability. The policy is written on a claims-made basis. A single aggregate limit of insurance applies to both parts of the policy. Failure to keep a claims-made policy in force means that the policy holder ceases to be insured for claims reported after coverage lapses.

For these reasons, and because the policy form differs from “industry standard” Commercial General Liability wordings, many brokers and their policyholders may wish to replace the general liability portion of the expiring “combined” policy with the separate new Commercial General Liability policy form that ENCON is offering.

Upon expiry of a member’s ‘combined policy’, they will be offered two options:

1. To continue with a ‘combined’ policy underwritten on the same basis
   or
2. To purchase two separate policies:

A claims-made errors and omissions policy that replaces the expiring policy and a new occurrence-form CGL policy.

Those choosing to purchase a new occurrence-form CGL policy from ENCON will automatically receive a thirty-six (36) month extended reporting period on the general liability portion of their expiring claims-made policy, without additional premium. The expired claims-made policy will continue to apply to general liability claims made and first reported to the insurer during this extended reporting period, provided the claims arise from occurrences after the retroactive date but before the expiry date of the policy.