{"id":21230,"date":"2026-07-16T03:05:03","date_gmt":"2026-07-16T03:05:03","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21230"},"modified":"2026-07-16T03:05:03","modified_gmt":"2026-07-16T03:05:03","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9aumbrella-liability%ef%bc%88%e4%bc%9e%e5%bc%8f%e8%b4%a3%e4%bb%bb%e4%bf%9d%e9%99%a9%ef%bc%89-%e5%92%8c-excess-liability%ef%bc%88%e8%b6%85%e9%a2%9d%e8%b4%a3","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21230","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aUmbrella Liability\uff08\u4f1e\u5f0f\u8d23\u4efb\u4fdd\u9669\uff09 \u548c Excess Liability\uff08\u8d85\u989d\u8d23\u4efb\u4fdd\u9669\uff09"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Umbrella Liability\uff08\u4f1e\u5f0f\u8d23\u4efb\u4fdd\u9669\uff09<\/strong> \u548c <strong>Excess Liability\uff08\u8d85\u989d\u8d23\u4efb\u4fdd\u9669\uff09<\/strong> \u662f RIBO \u8003\u8bd5\u4e2d\u7ecf\u5e38\u8003\u7684\u6982\u5ff5\uff0c\u5f88\u591a\u8003\u751f\u5bb9\u6613\u6df7\u6dc6\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e00\u53e5\u8bdd\u8bb0\u5fc6<\/h1>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Excess = \u52a0\u9ad8\u4fdd\u989d<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Umbrella = \u52a0\u9ad8\u4fdd\u989d + \u6269\u5927\u4fdd\u969c\u8303\u56f4<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u8003\u8bd5\u6700\u91cd\u8981\u7684\u4e00\u53e5\u8bdd\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4ec0\u4e48\u662f Excess Liability\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Excess Liability \u7684\u4f5c\u7528\u975e\u5e38\u7b80\u5355\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u5f53\u539f\u4fdd\u9669\uff08Underlying Policy\uff09\u7684\u8d54\u507f\u9650\u989d\u7528\u5b8c\u540e\uff0c\u518d\u7ee7\u7eed\u8d54\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CGL\uff08Commercial General Liability\uff09\u4fdd\u989d\uff1a$2,000,000<\/li>\n\n\n\n<li>Excess Liability\uff1a$3,000,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u53d1\u751f\u4e8b\u6545\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u603b\u989d = <strong>$4,000,000<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\u987a\u5e8f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$2,000,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2193<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excess\u8d54\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5269\u4f59<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$2,000,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u6700\u7ec8\u8d54\u5b8c\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u679c\u635f\u5931\u53ea\u6709100\u4e07\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53ea\u9700\u8981CGL\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excess\u4e0d\u4f1a\u542f\u52a8\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u5982\u679c\u635f\u5931700\u4e07\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2M<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Excess\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">=<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u603b\u51715M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5269\u4f592M\u81ea\u5df1\u627f\u62c5\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Excess \u7684\u7279\u70b9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u53ea\u662f\u589e\u52a0\u989d\u5ea6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u4e0d\u589e\u52a0\u65b0\u7684\u4fdd\u969c<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2714; \u5fc5\u987b\u6709Underlying Policy<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL \u4e0d\u4fdd\u6c61\u67d3\u8d23\u4efb<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excess \u4e5f\u4e0d\u4f1a\u7a81\u7136\u4fdd\u6c61\u67d3\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4ec0\u4e48\u662f Umbrella Liability\uff1f<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella \u6bd4 Excess \u66f4\u9ad8\u7ea7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5b83\u6709\u4e24\u4e2a\u4f5c\u7528\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2460 \u63d0\u9ad8\u8d54\u507f\u989d\u5ea6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2461 \u6269\u5c55\u4fdd\u969c\u8303\u56f4<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\u6559\u6750\u5e38\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Umbrella fills gaps.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\uff08\u586b\u8865\u4fdd\u969c\u7a7a\u7f3a\uff09<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u53f8\u5df2\u6709\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commercial Auto<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Employer&#8217;s Liability<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6bcf\u4e2a\u90fd\u67092M\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u518d\u4e70\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella 5M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6700\u9ad8\u8d54\u507f\u53ef\u4ee5\u8fbe\u5230\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">7M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46\u4e0d\u4ec5\u5982\u6b64\u2026\u2026<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Umbrella \u8fd8\u80fd\u63d0\u4f9b\u989d\u5916\u4fdd\u969c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Underlying Policy<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6ca1\u6709\u4fdd\u969c\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\u67d0\u79cd\u4e2a\u4eba\u4fb5\u6743<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella\u53ef\u80fd\u4f1a\u4fdd\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">=<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Excess<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Additional Coverage<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e3e\u4e2a\u4f8b\u5b50<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u516c\u53f8\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d1\u751f\u4e8b\u6545\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u603b\u635f\u5931\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8d54\u507f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CGL\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4M<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7ed3\u675f\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e6\u4e00\u79cd\u60c5\u51b5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Underlying Policy<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8d54<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f46Umbrella\u8ba4\u4e3a\u5c5e\u4e8e\u4fdd\u969c\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella\u53ef\u4ee5\u76f4\u63a5\u8d54\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u8fc7\u901a\u5e38\u9700\u8981\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Self-Insured Retention (SIR)<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">SIR\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">$10,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u610f\u601d\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u524d10000\u81ea\u5df1\u627f\u62c5\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e4b\u540eUmbrella\u8d54\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">Umbrella \u548c Excess \u5bf9\u6bd4<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9879\u76ee<\/th><th>Excess Liability<\/th><th>Umbrella Liability<\/th><\/tr><\/thead><tbody><tr><td>\u589e\u52a0\u8d54\u507f\u9650\u989d<\/td><td>&#x2705;<\/td><td>&#x2705;<\/td><\/tr><tr><td>\u6269\u5927\u4fdd\u969c\u8303\u56f4<\/td><td>&#x274c;<\/td><td>&#x2705;<\/td><\/tr><tr><td>\u8986\u76d6\u591a\u4e2aUnderlying Policy<\/td><td>\u901a\u5e38\u5426\uff08\u9488\u5bf9\u7279\u5b9a\u4fdd\u5355\uff09<\/td><td>&#x2705; \u53ef\u4ee5\u8986\u76d6\u591a\u79cd\u8d23\u4efb\u4fdd\u5355<\/td><\/tr><tr><td>\u9700\u8981Underlying Policy<\/td><td>&#x2705;<\/td><td>&#x2705;\uff08\u901a\u5e38\u9700\u8981\uff09<\/td><\/tr><tr><td>\u6709Self-Insured Retention<\/td><td>\u901a\u5e38\u6ca1\u6709<\/td><td>\u53ef\u80fd\u6709<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">RIBO \u6700\u7231\u8003\u70b9<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which policy simply increases the limit of an underlying liability policy?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Umbrella<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Excess<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Property Floater<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Crime<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u56e0\u4e3a\u53ea\u662f\u589e\u52a0\u989d\u5ea6\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee2<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which liability policy may provide broader coverage than the underlying liability policy?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Excess<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. Umbrella<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. Builder&#8217;s Risk<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. Inland Marine<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aB<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u9898\u76ee3<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which statement best describes an umbrella liability policy?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. It only increases policy limits.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B. It replaces the CGL.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C. It increases limits and may broaden coverage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D. It covers only automobile liability.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u7b54\u6848\uff1aC<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u8003\u8bd5\u8bb0\u5fc6\u53e3\u8bc0<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Excess\uff1a\u9ad8\uff08Higher Limits\uff09<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u53ea\u52a0\u9ad8\uff0c\u4e0d\u52a0\u5bbd\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Umbrella\uff1a\u9ad8 + \u5bbd\uff08Higher + Broader\uff09<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u65e2\u52a0\u9ad8\uff0c\u53c8\u52a0\u5bbd\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">RIBO \u9ad8\u9891\u9677\u9631<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u9677\u9631\uff1a<\/strong> &#8220;Umbrella \u4e00\u5b9a\u4f1a\u8d54\u6240\u6709 CGL \u4e0d\u4fdd\u7684\u98ce\u9669\u3002&#8221;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; <strong>\u9519\u8bef\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Umbrella <strong>\u53ef\u80fd\uff08may\uff09<\/strong> \u63d0\u4f9b\u6bd4\u57fa\u7840\u4fdd\u5355\u66f4\u5e7f\u7684\u4fdd\u969c\uff0c\u4f46\u5e76\u4e0d\u662f\u6240\u6709\u9664\u5916\u8d23\u4efb\u90fd\u4f1a\u81ea\u52a8\u88ab\u8986\u76d6\u3002\u5177\u4f53\u662f\u5426\u627f\u4fdd\u4ecd\u53d6\u51b3\u4e8e Umbrella \u4fdd\u5355\u6761\u6b3e\u53ca\u5176\u9664\u5916\u8d23\u4efb\u3002\u8003\u8bd5\u4e2d\u5982\u679c\u9009\u9879\u5199 <strong>&#8220;may provide broader coverage&#8221;<\/strong>\uff0c\u901a\u5e38\u662f\u6b63\u786e\u7684\uff1b\u5982\u679c\u5199 <strong>&#8220;always covers risks excluded by the underlying policy&#8221;<\/strong>\uff0c\u5219\u662f\u9519\u8bef\u7684\u3002\u8fd9\u4e2a <strong>may<\/strong> \u4e0e <strong>always<\/strong> \u7684\u533a\u522b\uff0c\u662f RIBO \u5e38\u89c1\u7684\u51fa\u9898\u9677\u9631\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21230\" class=\"pvc_stats all  \" data-element-id=\"21230\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Umbrella Liability\uff08\u4f1e\u5f0f\u8d23\u4efb\u4fdd\u9669\uff09 \u548c Excess Liability\uff08\u8d85\u989d\u8d23\u4efb\u4fdd\u9669\uff09 \u662f RIBO \u8003\u8bd5\u4e2d\u7ecf\u5e38\u8003\u7684\u6982\u5ff5\uff0c\u5f88\u591a\u8003\u751f\u5bb9\u6613\u6df7\u6dc6\u3002 \u4e00\u53e5\u8bdd\u8bb0\u5fc6 Excess = \u52a0\u9ad8\u4fdd\u989d Umbrella = \u52a0\u9ad8\u4fdd\u989d + \u6269\u5927\u4fdd\u969c\u8303\u56f4 \u8fd9\u662f\u8003\u8bd5\u6700\u91cd\u8981\u7684\u4e00\u53e5\u8bdd\u3002 \u4ec0\u4e48\u662f Excess Liability\uff1f Excess Liability \u7684\u4f5c\u7528\u975e\u5e38\u7b80\u5355\uff1a \u5f53\u539f\u4fdd\u9669\uff08Underlying Policy\uff09\u7684\u8d54\u507f\u9650\u989d\u7528\u5b8c\u540e\uff0c\u518d\u7ee7\u7eed\u8d54\u3002 \u4f8b\u5982\uff1a \u5982\u679c\u53d1\u751f\u4e8b\u6545\uff1a \u8d54\u507f\u603b\u989d = $4,000,000 \u8d54\u507f\u987a\u5e8f\uff1a CGL\u8d54\uff1a $2,000,000 \u2193 Excess\u8d54\uff1a \u5269\u4f59 $2,000,000 \u6240\u4ee5\u6700\u7ec8\u8d54\u5b8c\u3002 \u5982\u679c\u635f\u5931\u53ea\u6709100\u4e07\uff1f \u53ea\u9700\u8981CGL\u8d54\u3002 Excess\u4e0d\u4f1a\u542f\u52a8\u3002 \u5982\u679c\u635f\u5931700\u4e07\uff1f CGL\uff1a 2M Excess\uff1a 3M = \u603b\u51715M \u5269\u4f592M\u81ea\u5df1\u627f\u62c5\u3002 Excess \u7684\u7279\u70b9 &#x2714; \u53ea\u662f\u589e\u52a0\u989d\u5ea6 &#x2714; &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21230\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aUmbrella Liability\uff08\u4f1e\u5f0f\u8d23\u4efb\u4fdd\u9669\uff09 \u548c Excess Liability\uff08\u8d85\u989d\u8d23\u4efb\u4fdd\u9669\uff09&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21230\" class=\"pvc_stats all  \" data-element-id=\"21230\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[198,157,197,156],"class_list":["post-21230","post","type-post","status-publish","format-standard","hentry","category-155","tag-excess-liability","tag-ribo","tag-umbrella-liability","tag-156"],"a3_pvc":{"activated":true,"total_views":1,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21230","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21230"}],"version-history":[{"count":1,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21230\/revisions"}],"predecessor-version":[{"id":21231,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21230\/revisions\/21231"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21230"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21230"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21230"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}