The monoline ICPL policy pairs with the monoline D&O policy to provide the breadth of coverages found in the Combined, but with separate limits for the company's unique exposures as an insurer. Many larger companies utilize this approach to provide greater certainty of limits to directors and the company for their respective exposures. The ICPL policy provides coverages for the risks of being an insurance company, such as errors in underwriting, claims handling, agency relationships, and generally the business of being an insurer.
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