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Yes I am very familiar with CIBA as I worked for their competitor for a while. They offer 2 types of policies - each with different limits/coverages. It is written under a master policy. One expires on 3/31 and the other on 6/1 so if you were to place business with them all policies would be pro-rated. Since it is a master policy all their members (insureds) share all the limits. Not something most people are comfortable hence the competitive premiums.
Thank you for responding. I got appointed and sold couple policies so far.As far as I know, only Umbrella is shared, otherwise every member gets its own policy.