American Academy of Emergency Medicine


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AAEM Insurance Program Open Enrollment: Group Personal Excess and Umbrella Liability Policy

Posted Monday, February 9th, 2015

The next enrollment period for the Group Personal Excess and Umbrella Liability Policy is under way! This benefit is available to all members of AAEM. The policy provides additional protection above and beyond what is covered by your current auto, homeowners and/or watercraft & recreational vehicle insurance and is underwritten by Crum & Forster Specialty Insurance Company (“A” Rated).

You will be able to purchase limits from $1M up to $5M at specified flat rates. This comprehensive coverage is offered at competitive group rates and includes broad coverage (including $1M of excess Uninsured/Underinsured Motorists coverage in every policy).

Additional information and the enrollment form is available on a website set up for our employees: www.aaemxs.com. If you have specific questions on the policy, you can contact us directly at (609) 818-9534.

Here are a few reasons why you should sign up for this coverage:

  • Your 17 year old daughter received her license yesterday and gets into a car accident today that is her fault. Will your primary auto insurance limits of $500,000 CSL (combined single limit) cover the bodily injuries of the occupants in the other vehicle and the property damage to the other vehicle?
  • Brownie, your lovable Chocolate Lab, decided he was tired of the adorable little girl next door poking him through the fence with a stick and he gets out of your yard and bites her. Will your primary homeowner's insurance limits of $300,000 CSL cover the medical bills as well as the lawsuit expenses?
  • You and your family are on vacation and a few of the neighborhood kids decide to go night swimming in your in-ground pool. One of them dives in and sustains serious injuries.  Will your primary homeowner's insurance cover the medical expenses?