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The CIBA Program is a Master Policy Layered Program utilizing mostly non-admitted licensed insurance carriers. The CIBA Program issues coverage on an individual location basis. Each location is subject to the limits identified within their individual evidence of insurance, endorsements and the policy, including a $1 billion single per occurrence Program limit, which reinstates after each occurrence. Should additional information concerning the Program's spread of risk and exposure be desired , please contact your underwriter for assistance.