What happens if my risk characteristics change during the term of my excess personal umbrella policy?
If the answer to any question on your application changes or if you are required by the terms of your underlying personal umbrella insurance to notify your underlying personal umbrella insurer of a change, you must notify us. In the event that any change alters the premium for your underlying personal umbrella policy, the premium for your excess personal umbrella policy will be revised as well. Any reduction in coverage under your underlying personal umbrella policy will automatically reduce coverage under your excess personal umbrella policy as well. In some circumstances, we may be unable to continue to provide you coverage. In such a circumstance, your policy will be canceled and you will be returned pro-rata premium.
