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Disappearance or Shortage We will not pay for loss caused by or resulting from disappearance or shortage disclosed on taking inventory or where there is no physical evidence to show what happened to the fine arts. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. Dishonest Acts We will not pay for loss or damage caused by or resulting from fraudulent dishonest or criminal acts or omissions committed by you your partners members officers managers employees including leased or temporary employees directors trustees authorized representatives or anyone else to whom you have entrusted the fine arts for any purpose a. Acting alone or in collusion with others or b. Whether or not occurring during the hours of employment. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. This exclusion does not apply to a. Acts of vandalism committed by your employees including leased or temporary employees or b. Carriers for hire or anyone claiming to be a carrier for hire at the time the property is entrusted to them. Earth Movement We will not pay for loss or damage caused directly or indirectly by earth movement. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if earth movement results in fire explosion or theft we will pay for that portion of the loss or damage which was solely caused by that fire explosion or theft. If loss of or damage to fine arts caused by leakage from fire protection sprinkler system piping results from earth movement and there is no other loss or damage from earth movement to that same property we will pay for the direct physical loss or damage caused solely from the fire protection sprinkler system piping leakage. Expected Preventable or Accumulated Losses We will not pay for loss or damage caused by or resulting from a. Wear and tear b. Smoke vapor or gas from agricultural smudging or industrial operations c. Smog d. Rust or other corrosion decay deterioration fading hidden or latent defect or any quality of the property that causes it to damage or destroy itself e. Nesting or infestation or discharge or release of waste products or secretions by insects birds rodents or other animals or f. Inherent vice. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0114 03 14 Page 2 of 5 | 6 |
Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Flood We will not pay for loss or damage caused directly or indirectly by flood. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if flood results in fire explosion or theft we will pay for that portion of the loss or damage which was solely caused by that fire explosion or theft. Governmental Action We will not pay for loss or damage caused directly or indirectly by any seizure confiscation expropriation nationalization or destruction of property by order of governmental authority. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. This exclusion does not apply to a. Seizure or destruction of fine arts by order of governmental authority and taken at the time of fire to prevent its spread or b. Demolition orders issued pursuant to any ordinance or law in effect at the time of loss or damage regulating construction use or repair of any property provided such demolition order has become legally enforceable as a result of physical damage to 1 Covered real property or 2 Covered personal property directly caused by a covered cause of loss. However this exception does not apply to demolition orders issued pursuant to any ordinance or law which requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or microorganisms. Loss of Market or Delay We will not pay for loss or damage caused by or resulting from loss of market loss of use or delay. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. Microorganisms We will not pay for loss or damage consisting of directly or indirectly caused by contributed to or aggravated by the presence growth proliferation spread or any activity of microorganisms unless resulting from fire or lightning. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0114 03 14 Page 3 of 5 | 6 |
10. 11. 12. 13. But if a result of one of these excluded causes of loss is a specified cause of loss other than fire or lightning we will pay that portion of the loss or damage which was solely caused by that specified cause of loss. We will also not pay for loss cost or expense arising out of any request demand order or statutory or regulatory requirement that requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of microorganisms. Nuclear Hazard We will not pay for loss or damage caused directly or indirectly by nuclear reaction or radiation or radioactive contamination however caused. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if nuclear reaction or radiation or radioactive contamination results in fire we will pay for that portion of the loss or damage which was solely caused by that fire. Pollutants We will not pay for loss or damage caused by or resulting from the discharge dispersal seepage migration release or escape of pollutants. Bult if the discharge dispersal seepage migration release or escape is caused by a specified cause of loss we will pay only for that portion of the loss or damage which was solely caused by that specified cause of loss. We will also not pay for loss cost or expense arising out of any request demand order or statutory or regulatory requirement that requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. Repair Restoration or Retouching We will not pay for loss of or damage to fine arts caused by or resulting from repair restoration or retouching. War and Military Action We will not pay for loss or damage arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority by hindering or defending against any of these. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. DEDUCTIBLE We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the applicable Deductibles shown on the Declarations. We will then pay the amount of loss or damage in excess of the Deductibles up to the applicable Limits of Insurance. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0114 03 14 Page 4 of 5 | 6 |
D. VALUATION 1. Fine arts are valued based on the lesser of a. Market value at the time of loss or damage or b. The value of fine arts that are individually listed and described on the schedule on file with us. 2. Pairs or Sets In case of loss to any part of a pair or set we may a. Repair or replace any part to restore the pair or set to its value before the loss or b. Pay the difference between the value of the pair or set before and after the loss. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0114 03 14 Page 5 of 5 | 6 |
ZURICH Installation and Service Property Coverage Form Table of Contents Section Coverages Excluded Causes of Loss Valuation...... | 6 |
ZURICH Installation and Service Property Coverage Form A. COVERAGES 1. Stock to be Installed We will pay for di while such stock t physical loss of or damage to stock directly caused by a covered cause of loss a. Atan installation or service premises b. Atatemporary storage location or c. In transit to or from an installation or service premises or a temporary storage location. Coverage ends at the earlier of the following a. Your insurable interest in the stock ceases b. The stock is accepted by the purchaser c. The stock is installed and you have been paid d. The stock is installed and put to its intended use or e. The policy expires or is cancelled. The most we will pay under this Marine Coverage in any one occurrence is the applicable Limit of Insurance shown on the Declarations for Installation and Service Property Stock to be Installed. Tools and Equipment We will pay for direct physical loss of or damage to a. Personal property that are tools and equipment and b. Vehicles that are not licensed for use on public roads used by you to install or service property at an installation or service premises directly caused by a covered cause of loss. Coverage applies while such property is a. Atan installation or service premises or b. In transit to or from an installation or service premises. The most we will pay under this Marine Coverage for any one item and in any one occurrence is the applicable Limit of Insurance shown on the Declarations for Installation and Service Property Tools and Equipment or in a schedule on file with us. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0115 03 14 Page 1 of 6 | 6 |
B. EXCLUDED CAUSES OF LOSS 1. Artificially Maintained Conditions We will not pay for loss of or damage to personal property caused by or resulting from the loss of or change in any artificially maintained or generated temperature humidity or atmosphere. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from an equipment breakdown cause of loss mistake or malfunction. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. This exclusion does not apply to electronic data processing hardware or duplicate information property. 2. Disappearance or Shortage We will not pay for loss caused by disappearance or shortage disclosed on taking inventory or where there is no physical evidence to show what happened to the property. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. 3. Dishonest Acts We will not pay for loss caused by or resulting from fraudulent dishonest or criminal acts or omissions committed by you your partners members officers managers employees including leased or temporary employees directors trustees authorized representatives or anyone else to whom you have entrusted the property for any purpose a. Acting alone or in collusion with others or b. Whether or not occurring during the hours of employment. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. This exclusion does not apply to a. Acts of vandalism committed by your employees including leased or temporary employees or b. Carriers for hire or anyone claiming to be a carrier for hire at the time the property is entrusted to them. 4. Expected Preventable or Accumulated Losses We will not pay for loss or damage caused by or resulting from a. Wear and tear b. Smoke vapor or gas from agricultural smudging or industrial operations c. Smog d. Rust or other corrosion decay deterioration fading hidden or latent defect or any quality of the property that causes it to damage or destroy itself e. Nesting or infestation or discharge or release of waste products or secretions by insects birds rodents or other animals or Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0115 03 14 Page 2 of 6 | 6 |
f. Inherent vice. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Governmental Action We will not pay for loss or damage caused directly or indirectly by any seizure confiscation expropriation nationalization or destruction of property by order of governmental authority. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. This exclusion does not apply to a. Seizure or destruction of property by order of governmental authority and taken at the time of fire to prevent its spread or b. Demolition orders issued pursuant to any ordinance or law in effect at the time of loss or damage regulating construction use or repair of any property provided such demolition order has become legally enforceable as a result of physical damage to real property containing covered personal property directly caused by a covered cause of loss. However this exception does not apply to demolition orders issued pursuant to any ordinance or law which requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of microorganisms. Loss of Market or Delay We will not pay for loss or damage caused by or resulting from loss of market loss of use or delay. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. Microorganisms We will not pay for loss or damage consisting of directly or indirectly caused by contributed to or aggravated by the presence growth proliferation spread or any activity of microorganisms unless resulting from fire or lightning. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if a result of one of these excluded causes of loss is a specified cause of loss other than fire or lightning we will pay that portion of the loss or damage which was solely caused by that specified cause of loss. We will also not pay for loss cost or expense arising out of any request demand order or statutory or regulatory requirement that requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of microorganisms. Nuclear Hazard We will not pay for loss or damage caused directly or indirectly by nuclear reaction or radiation or radioactive contamination however caused. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0115 03 14 Page 3 of 6 | 6 |
10. to the loss even if such other cause or event would otherwise be covered. But if nuclear reaction or radiation or radioactive contamination results in fire we will pay for that portion of the loss or damage which was solely caused by that fire. Precipitation We will not pay for loss or damage caused by or resulting from rain hail snow ice or sleet to property in the open. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. This exclusion does not apply to a. Stock in the custody of a carrier for hire or b. Vehicles that are not licensed for use on public roads. Process Failures Defects or Errors We will not pay for any of the following a. Loss or damage due to spoilage destruction adulteration discard reduction in value or any other loss or damage to stock caused by or resulting from a mistake or malfunction in the alteration development distribution installation manufacturing maintenance processing repair or testing of such stock. b. Loss or damage including the costs of correcting or making good caused by or resulting from 1 Amistake in planning zoning development surveying siting 2 Amistake in design specifications workmanship repair construction renovation remodeling grading compaction 3 Amistake in materials used in repair construction renovation or remodeling or 4 Insufficient or failure of maintenance or servicing of part or all of any property on or off an installation or service premises. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. c. Loss or damage including the costs of correcting or making good caused by or resulting from incorporating defective materials into part or all of any property on or off an installation or service premises. But if a result of this excluded cause of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. d. Loss of or damage to machinery or equipment while undergoing a pressure or electrical test. This exclusion applies even this excluded cause of loss was caused by or resulted from an equipment breakdown cause of loss mistake or malfunction. But if a result of this excluded cause of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0115 03 14 Page 4 of 6 | 6 |
11. Suspended Equipment We will not pay for loss or damage caused by or resulting from an equipment breakdown cause of loss to suspended equipment. This exclusion applies even if this excluded cause of loss was caused by or resulted from a mistake or malfunction. But if a result of this excluded cause of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. 12. War and Military Action We will not pay for loss or damage arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority by hindering or defending against any of these. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. 13. Weight of Load We will not pay for loss of or damage to personal property that are tools and equipment or vehicles used by you to install or service property caused by or resulting from the weight of a load exceeding the manufacturer s rated lifting or supporting capacity of any machine under the operating conditions at the time of loss or damage. DEDUCTIBLE We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the applicable Deductibles shown on the Declarations. We will then pay the amount of loss or damage in excess of the Deductibles up to the applicable Limits of Insurance. ADDITIONAL CONDITIONS The following conditions apply in addition to the COMMERCIAL PROPERTY CONDITIONS and the COMMON POLICY CONDITIONS 1. In the event of any loss or damage to Covered Property in transit you must immediately make a claim in writing against the carrier bailee or others involved. 2. The coverage provided for stock by this Coverage Form is primary to any other insurance not subject to the same plan terms conditions and provisions as this Coverage Form. VALUATION We will determine the value of covered loss or damage as follows 1. Except as provided in 2. 3. 4. 5. 6. and 7. below the lesser of the following amounts a. The replacement cost or Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0115 03 14 Page 5 of 6 PPP0115 03 14 Page 5 of 6 | 6 |
b. The amount you actually spend to repair rebuild or replace Covered Property. Except as provided in 3. 5. 6. and 7. below Covered Property which is not repaired rebuilt or replaced will be valued at the actual cash value at the time and place of loss or damage. If you commence the repair rebuilding or replacement of the lost or damaged Covered Property within 24 months from the date the loss or damage occurred upon completion of the repair rebuilding or replacement we will pay you the difference between the actual cash value previously paid and the replacement cost at the time of loss or damage. Merchandise and finished stock at the regular cash selling price less any discounts and expenses you otherwise would have had. Stock in process at the value of raw stock your labor expended and your materials incorporated plus the proper proportion of your overhead charges calculated in accordance with principles of Direct Costing. In no event will overhead be calculated in accordance with the principles of Absorption Costing. Covered Property which has been permanently removed from service at actual cash value. Duplicate information property at the lesser of a. The cost to purchase a duplicate copy if a duplicate copy exists and is available for sale or b. The cost of blank materials plus any cost incurred to copy data onto blank materials from a duplicate source on the same type of materials provided such copying does not violate licensing or contract agreements. Subject to 1. 2. and 5. above the most we will pay for any one item for scheduled equipment is the value per item shown on the schedule on file with us. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0115 03 14 Page 6 of 6 | 6 |
ZURICH Original Information Property Coverage Form Table of Contents Section Coverages Excluded Causes of Loss Deductible Valuation...... | 6 |
ZURICH Original Information Property Coverage Form A. COVERAGES 1. Original Information Property We will pay for direct physical loss of or damage to original information property at a premises or reported unscheduled premises directly caused by a covered cause of loss. The most we will pay under this Marine Coverage at any one premises or reported unscheduled premises is the Limit of Insurance shown on the Declarations for Original Information Property. Original Information Property Away From Premises We will also pay for direct physical loss of or damage to original information property away from a premises or reported unscheduled premises directly caused by a covered cause of loss. The most we will pay under this Marine Coverage in any one occurrence is the Limit of Insurance shown on the Declarations for Original Information Property Away From Premises. B. EXCLUDED CAUSES OF LOSS 1. Alteration Falsification Concealment or Destruction We will not pay for loss or damage caused by or resulting from alteration falsification concealment or destruction of original information property done to conceal the wrongful giving taking or withholding of money securities or other property. Bookkeeping Accounting or Billing Mistakes We will not pay for loss or damage caused by or resulting from a mistake or malfunction in bookkeeping accounting or billing. Defects or Errors We will not pay for any of the following a. Loss or damage caused by or resulting from a mistake i 1 Programming 2 Instructions to a machine or 3 Installation or maintenance of electronic data processing hardware or component parts. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. b. Loss or damage including the costs of correcting or making good caused by or resulting from 1 Amistake in planning zoning development surveying siting 2 A mistake in design specifications workmanship repair construction renovation remodeling grading compaction Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0116 03 14 Page 1 of 4 | 6 |
3 Amistake in materials used in repair construction renovation or remodeling or 4 Insufficient or failure of maintenance or servicing of part or all of any original information property on or off a premises or reported unscheduled premises. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. c. Loss or damage including the costs of correcting or making good caused by or resulting from incorporating defective materials into part or all of any original information property on or off a premises or reported unscheduled premises. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Disappearance or Shortage We will not pay for loss caused by or resulting from disappearance or shortage disclosed on taking inventory or where there is no physical evidence to show what happened to the original information property. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. Dishonest Acts We will not pay for loss or damage caused by or resulting from fraudulent dishonest or criminal acts or omissions committed by you your partners members officers managers employees including leased or temporary employees directors trustees authorized representatives or anyone else to whom you have entrusted the original information property for any purpose a. Acting alone or in collusion with others or b. Whether or not occurring during the hours of employment. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. This exclusion does not apply to a. Acts of vandalism committed by your employees including leased or temporary employees or b. Carriers for hire or anyone claiming to be a carrier for hire at the time the property is entrusted to them. Earth Movement We will not pay for loss or damage caused directly or indirectly by earth movement. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if earth movement results in fire explosion or theft we will pay for that portion of the loss or damage which was solely caused by that fire explosion or theft. If loss of or damage to ol al information property caused by leakage from fire protection sprinkler system piping results from earth movement and there is no other loss or damage from earth movement to that same property we will pay for the direct physical loss or damage caused solely from the fire protection sprinkler system piping leakage. Electronic Vandalism Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0116 03 14 Page 2 of 4 PPP0116 03 14 Page 2 of 4 | 6 |
10. 11. 12. We will not pay for loss or damage caused by or resulting from electronic vandalism. This exclusion applies even if the electronic vandalism was caused by or resulted from a mistake or malfunction. Expected Preventable or Accumulated Losses We will not pay for loss or damage caused by or resulting from a. Wear and tear b. Smoke vapor or gas from agricultural smudging or industrial operations c. Smog d. Rust or other corrosion decay deterioration fading hidden or latent defect or any quality of the property that causes it to damage or destroy itself e. Nesting or infestation or discharge or release of waste products or secretions by insects birds rodents or other animals or f. Inherent vice. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Flood We will not pay for loss or damage caused directly or indirectly by flood. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if flood results in fire explosion or theft we will pay for that portion of the loss or damage which was solely caused by that fire explosion or theft. Governmental Action We will not pay for loss or damage caused directly or indirectly by any seizure confiscation expropriation nationalization or destruction of property by order of governmental authority. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. This exclusion does not apply to acts of destruction of original information property ordered by governmental authority and taken at the time of fire to prevent its spread. Loss of Market or Delay We will not pay for loss or damage caused by or resulting from loss of market loss of use or delay. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. Microorganisms Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0116 03 14 Page 3 of 4 | 6 |
13. 14 We will not pay for loss or damage consisting of directly or indirectly caused by contributed to or aggravated by the presence growth proliferation spread or any activity of microorganisms unless resulting from fire or lightning. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if a result of one of these excluded causes of loss is a specified cause of loss other than fire or lightning we will pay that portion of the loss or damage which was solely caused by that specified cause of loss. We will also not pay for loss cost or expense arising out of any request demand order or statutory or regulatory requirement that requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of microorganisms. Nuclear Hazard We will not pay for loss or damage caused directly or indirectly by nuclear reaction or radiation or radioactive contamination however caused. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if nuclear reaction or radiation or radioactive contamination results in fire we will pay for that portion of the loss or damage which was solely caused by that fire. War and Military Action We will not pay for loss or damage arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority by hindering or defending against any of these. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. C. DEDUCTIBLE We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the applicable Deductibles shown on the Declarations. We will then pay the amount of loss or damage in excess of the Deductibles up to the applicable Limits of Insurance. VALUATION We will determine the value of covered loss or damage to lost or damaged original information property at the full cost necessary to research and reproduce a master copy including the information and material on which it resides. However we will only pay for costs of research and reproduction if you reproduce your original information property. We will not include the cost of making additional copies. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0116 03 14 Page 4 of 4 | 6 |
ZURICH Transit Coverage Form Table of Contents Section Coverage Property Not Covered Excluded Causes of Loss Deductible Additional Conditions.... Valuation...... | 6 |
ZURICH Transit Coverage Form A. COVERAGE We will pay for direct physical loss of or damage to personal property in transit including 1. Your interest in shipments sold under Free on Board or Freight Allowed terms 2. Personal property when the purchaser refuses to accept delivery or returns it to the shipper or 3. General average and salvage charges on shipments while waterborne directly caused by a covered cause of loss. The most we will pay under this Marine Coverage in any one occurrence is the Limit of Insurance shown on the Declarations for Transit Personal Property. B. PROPERTY NOT COVERED This Coverage Form does not apply to 1. Personal property in transit to or from a fair or exhibition 2. Salespersons samples 3. Property of others in your care custody or control if you are acting as a carrier for hire broker loader consolidator or freight forwarder with a written contract or bill of lading 4 Personal property used by you to install or service property at an installation or service premises 5. Stock in transit to or from an installation or service premises or a temporary storage location 6. Furs fur garments and garments trimmed with fur 7. Jewelry watches watch movements jewels pearls precious or semiprecious stones bullion gold silver platinum and other precious alloys or metals except for a. Jewelry or watches worth 100 or less per item or b. Precious or semiprecious stones or metals used for industrial purposes or 8. Lottery tickets held for sale. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0117 03 14 Page 1 of 5 | 6 |
C. EXCLUDED CAUSES OF LOSS 1. Artificially Maintained Conditions We will not pay for loss of or damage to personal property caused by or resulting from the loss of or change in any artificially maintained or generated temperature humidity or atmosphere. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from an equipment breakdown cause of loss mistake or malfunction. But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. This exclusion does not apply to electronic data processing hardware or duplicate information property. Dishonest Acts We will not pay for loss or damage caused by or resulting from fraudulent dishonest or criminal acts or omissions committed by you your partners members officers managers employees including leased or temporary employees directors trustees authorized representatives or anyone else to whom you have entrusted the personal property for any purpose a. Acting alone or in collusion with others or b. Whether or not occurring during the hours of employment. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. This exclusion does not apply to a. Acts of vandalism committed by your employees including leased or temporary employees or b. Carriers for hire or anyone claiming to be a carrier for hire at the time the property is entrusted to them. Expected Preventable or Accumulated Losses We will not pay for loss or damage caused by or resulting from a. Wear and tear b. Smoke vapor or gas from agricultural smudging or industrial operations c. Smog d. Rust or other corrosion decay deterioration fading hidden or latent defect or any quality of the property that causes it to damage or destroy itself e. Nesting or infestation or discharge or release of waste products or secretions by insects birds rodents or other animals or f. Inherent vice. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0117 03 14 Page 2 of 5 | 6 |
But if a result of one of these excluded causes of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Governmental Action We will not pay for loss or damage caused directly or indirectly by any seizure confiscation expropriation nationalization or destruction of property by order of governmental authority. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. This exclusion does not apply to seizure or destruction of property by order of governmental authority and taken at the time of fire to prevent its spread. Loss of Market or Delay We will not pay for loss or damage caused by or resulting from loss of market loss of use or delay. This exclusion applies even if one of these excluded causes of loss was caused by or resulted from a mistake or malfunction. Microorganisms We will not pay for loss or damage consisting of directly or indirectly caused by contributed to or aggravated by the presence growth proliferation spread or any activity of microorganisms unless resulting from fire or lightning. Such loss or damage is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if a result of one of these excluded causes of loss is a specified cause of loss other than fire or lightning we will pay that portion of the loss or damage which was solely caused by that specified cause of loss. We will also not pay for loss cost or expense arising out of any request demand order or statutory or regulatory requirement that requires any insured or others to test for monitor clean up remove treat detoxify or neutralize or in any way respond to or assess the effects of microorganisms. Nuclear Hazard We will not pay for loss or damage caused directly or indirectly by nuclear reaction or radiation or radioactive contamination however caused. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. But if nuclear reaction or radiation or radioactive contamination results in fire we will pay for that portion of the loss or damage which was solely caused by that fire. Process Failures Defects or Errors We will not pay for any of the following a. Loss or damage due to spoilage destruction adulteration discard reduction in value or any other loss or damage to stock caused by or resulting from a mistake or malfunction in the alteration development distribution installation manufacturing maintenance processing repair or testing of such stock. b. Loss or damage including the costs of correcting or making good caused by or resulting from incorporating defective materials into part or all of any property on or off the premises. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0117 03 14 Page 3 of 5 | 6 |
10. But if a result of this excluded cause of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. Suspended Equipment We will not pay for loss or damage caused by or resulting from an equipment breakdown cause of loss to suspended equipment. This exclusion applies even if this excluded cause of loss was caused by or resulted from a mistake or malfunction. But if a result of this excluded cause of loss is a covered cause of loss we will pay for that portion of the loss or damage which was solely caused by that covered cause of loss. War and Military Action We will not pay for loss or damage arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority by hindering or defending against any of these. Such loss or damage is excluded regardless of any other cause or event including a mistake or malfunction that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. D. DEDUCTIBLE We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the applicable Deductibles shown on the Declarations. We will then pay the amount of loss or damage in excess of the Deductibles up to the applicable Limits of Insurance. E. ADDITIONAL CONDITIONS The following conditions apply in addition to the COMMERCIAL PROPERTY CONDITIONS and the COMMON POLICY CONDITIONS 1. In the event of any loss or damage to personal property in transit you must immediately make a claim in writing against the carrier bailee or others involved. 2. If personal property in transit which was sold under Free on Board or Freight Allowed terms is lost or damaged and the consignee refuses to pay for such personal property because of the loss or damage we will not attempt to enforce collection from the consignee without your written permission. F. VALUATION We will determine the amount of covered loss or damage as follows 1. Except as provided in 2. 3. 4. 5. and 6. below the lesser of the following amounts a. The replacement cost or b. The amount you actually spend to repair rebuild or replace personal property. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0117 03 14 Page 4 of 5 | 6 |
Except as provided in 3. 5. and 6. below personal property which is not repaired rebuilt or replaced will be valued at the actual cash value at the time and place of loss or damage. If you commence the repair rebuilding or replacement of the lost or damaged personal property within 24 months from the date the loss or damage occurred upon completion of the repair rebuilding or replacement we will pay you the difference between the actual cash value previously paid and the replacement cost at the time of loss or damage. Merchandise which has been sold but not delivered and finished stock at the regular cash selling price less any discounts and expenses you otherwise would have had. Stock in process at the value of raw stock your labor expended and your materials incorporated plus the proper proportion of your overhead charges calculated in accordance with principles of Direct Costing. In no event will overhead be calculated in accordance with the principles of Absorption Costing. Personal property which has been permanently removed from service at actual cash value. Duplicate information property at the lesser of a. The cost to purchase a duplicate copy if a duplicate copy exists and is available for sale or b. The cost of blank materials plus any cost incurred to copy data onto blank materials from a duplicate source on the same type of materials provided such copying does not violate licensing or contract agreements. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0117 03 14 Page 5 of 5 | 6 |
ZURICH Business Income Coverage Form Excluding Extra Expense Table of Contents Section Coverage Additional Coverages 1 Exclusions...... we 4 Limitations...... 5 Deductible 6 Loss Determination..... sees sees we 6 Optional Coverages 7 | 6 |
ZURICH Business Income Coverage Form Excluding Extra Expense COVERAGE We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations during the period of restoration. The suspension must be caused by direct physical loss of or damage to property at a premises at which a Limit of Insurance is shown on the Declarations for Business Income. The loss or damage must be directly caused by a covered cause of loss. We will not pay more than the applicable Limit of Insurance shown on the Declarations for Business Income at that premises. ADDITIONAL COVERAGES 1. Civil Authority We will pay for the actual loss of business income you sustain for up to the number of days shown on the Declarations for Civil Authority resulting from the necessary suspension or delay in the start of your operations if the suspension or delay is caused by order of civil authority that prohibits access to the premises or reported unscheduled premises. That order must result from a civil authority s response to direct physical loss of or damage to property located within one mile from the premises or reported unscheduled premises which sustains a business income loss. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage is the Limit of Insurance shown on the Declarations for Business Income at the premises or reported unscheduled premises where access was prohibited. The Limit for this Additional Coverage is included in and not in addition to the applicable Limit of Insurance. Contractual Penalties We will pay contractual penalties you are legally liable to pay under the provisions of a written contract due to late or non completion of orders. Those penalties must be the result of direct physical loss of or damage to property at a premises or reported unscheduled premises at which a Limit of Insurance is shown on the Declarations for Business Income. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage in any one occurrence is the Limit of Insurance shown on the Declarations for Contractual Penalties. Electronic Vandalism We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations provided the suspension was directly caused by electronic vandalism. The most we will pay under this Additional Coverage in any one policy year is the Annual Aggregate Limit of Insurance shown on the Declarations for Electronic Vandalism Business Income. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 1 of 7 | 6 |
Expense to Reduce Loss We will pay reasonable and necessary expenses you incur except the cost of extinguishing a fire to reduce the amount of loss of business income. We will pay for such expenses to the extent that they do not exceed the amount of loss that otherwise would have been payable under this Coverage Form and subject to the applicable Limit of Insurance shown on the Declarations for Business Income at that premises or reported unscheduled premises. Extended Period of Indemnity If the necessary suspension of your operations produces a business income loss payable under this Coverage Form and you resume operations with reasonable speed we will pay for the actual loss of business income you sustain during the extended period of indemnity. The most we will pay under this Additional Coverage is the Limit of Insurance shown on the Declarations for Business Income at the premises or reported unscheduled premises where the direct physical loss or damage occurred. The Limit for this Additional Coverage is included in and not in addition to the applicable Limit of Insurance. Fairs or Exhibitions We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations during the period of restoration. The suspension must be caused by direct physical loss of or damage to property at or while in transit to or from any fair or exhibition. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage in any one occurrence is the Limit of Insurance shown on the Declarations for Fairs or Exhibitions Business Income. Ingress Egress We will pay for the actual loss of business income you sustain for up to the number of days shown on the Declarations for Ingress Egress following the necessary suspension of your operations when ingress or egress by your suppliers customers or employees to the premises or reported unscheduled premises is physically obstructed due to direct physical loss or damage. The actual loss of business income you sustain must be caused by direct physical loss or damage to property not owned occupied leased or rented by you or insured under this Commercial Property Coverage Part. That property must be located within one mile from the premises or reported unscheduled premises which sustains a business income loss. The obstruction can not be the result of an order of civil authority that prohibits access to that premises or reported unscheduled premises. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage is the Limit of Insurance shown on the Declarations for Business Income at the premises or reported unscheduled premises where ingress or egress was obstructed. The Limit for this Additional Coverage is included in and not in addition to the applicable Limit of Insurance. Microorganisms We will pay for the actual loss of business income you sustain due to the a. Necessary suspension of your operations from direct physical loss of or damage to Covered Property caused by icroorganisms when the microorganisms are the result of a covered cause of loss or Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 2 of 7 PPP0130 03 14 Page 2 of 7 | 6 |
10. 11. b. Prolonged period of restoration due to the remediation of microorganisms from a covered loss. The most we will pay under this Additional Coverage in any one policy year is the Annual Aggregate Limit of Insurance shown on the Declarations for Microorganisms Business Income. Regardless of the number of claims this Limit of Insurance is the most we will pay for the total of all loss even if the microorganisms continue to be present active or recur. Newly Acquired Premises We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations during the period of restoration. The suspension must be caused by direct physical loss of or damage to your property at a newly acquired premises. The loss or damage must be directly caused by a covered cause of loss. This Additional Coverage will automatically expire on the earliest of the following dates a. The date you report the newly acquired premises to us b. The number of days shown on the Declarations from the date the location becomes a newly acquired premises or c. The date this policy expires or is cancelled. We will charge you additional premium for values reported from the date the location becomes a newly acquired premises. The most we will pay under this Additional Coverage at any one newly acquired premises is the Limit of Insurance shown on the Declarations for Newly Acquired Premises Business Income. Reported Unscheduled Premises We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations during the period of restoration. The suspension must be caused by direct physical loss of or damage to property at a reported unscheduled premises. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage at any one reported unscheduled premises is the Limit of Insurance shown on the Declarations for Reported Unscheduled Premises Business Income. Transit We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations during the period of restoration. The suspension must be caused by direct physical loss of or damage to property in transit other than while in transit to or from any fair or exhibition. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Marine Coverage in any one occurrence is the Limit of Insurance shown on the Declarations for Transit Business Income. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 3 of 7 | 6 |
12. Unreported Premises We will pay for the actual loss of business income you sustain due to the necessary suspension of your operations during the period of restoration. The suspension must be caused by direct physical loss of or damage to your property or property of your landlord at an unreported premises. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage at any one unreported premises is the Limit of Insurance shown on the Declarations for Unreported Premises Business Income. Cc. EXCLUSIONS 1. Real or Personal Property The exclusions in paragraphs 5. 6. and 7. below and the excluded causes of loss in the REAL AND PERSONAL PROPERTY COVERAGE FORM except Off Premises Service Interruption apply to loss of business income caused by or resulting from loss of or damage to any property other than a. Fine arts b. Original information property c. Outdoor trees shrubs plants or lawns d. Green roofing systems or e. Personal property in transit. Fine Arts The exclusions in paragraphs 5. 6. and 7. below and the excluded causes of loss in the FINE ARTS COVERAGE FORM apply to loss of business income caused by or resulting from loss of or damage to fine arts. Original Information Property The exclusions in paragraphs 5. 6. and 7. below and the excluded causes of loss in the ORIGINAL INFORMATION PROPERTY COVERAGE FORM apply to loss of business income caused by or resulting from loss of or damage to original information property. Personal Property in Transit The exclusions in paragraphs 5. 6. and 7. below and the excluded causes of loss in the TRANSIT COVERAGE FORM apply to loss of business income caused by or resulting from loss of or damage to personal property in transit. Finished Stock We will not pay for loss of business income caused by or resulting from a. Loss of or damage to ished stock or b. The time required to replace finished stock. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 4 of 7 | 6 |
Off Premises Service Interruption We will not pay for loss of business income caused by or resulting from any off premises service interruption. Such loss is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. Suspension Lapse or Cancellation We will not pay for any loss of business income caused by or resulting from a suspension lapse or cancellation of any license lease or contract unless the suspension lapse or cancellation is directly caused by the suspension of your operations. If the suspension lapse or cancellation of any license lease or contract is directly caused by the suspension of your operations we will not pay for that portion of any loss from such suspension lapse or cancellation which occurs after the extended period of indemnity. D. LIMITATIONS 1. Idle Periods We will not pay for loss of business income during any period in which business would not or could not have been conducted for any reason other than a. Direct physical loss of or damage to property as described in Section A. Coverage above b. A civil authority prohibiting access to the premises or reported unscheduled premises as described in the Civil Authority Additional Coverage above or c. A physical obstruction affecting ingress or egress to the premises or reported unscheduled premises as described in the Ingress Egress Additional Coverage above. Strikers or Others Causing Delay We will not pay for any loss of business income caused by or resulting from delay in rebuilding repairing or replacing property or resuming operations due to the interference at the location of the rebuilding repair or replacement by strikers or other persons. Outdoor Trees Shrubs Plants or Lawns We will not pay for loss of business income caused by or resulting from loss of or damage to outdoor trees shrubs plants or lawns unless the loss or damage is directly caused by fire lightning explosion riot or civil commotion or aircraft. Green Roofing Systems We will not pay for loss of business income caused by or resulting from loss of or damage to green roofing systems unless the loss or damage is directly caused by a covered cause of loss other than loss or damage caused by or resulting from a. Nesting or infestation or discharge or release of waste products or secretions by insects birds rodents or other animals b. Disease c. Changes in or extremes of temperature Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 5 of 7 | 6 |
d. Dampness or dryness of atmosphere or of soil supporting the vegetation or e. Rain snow hail ice or sleet. DEDUCTIBLE We will not pay for any loss of business income in any one occurrence until the amount of loss exceeds the applicable Deductibles or is incurred after the applicable Waiting Periods shown on the Declarations. We will then pay the amount of actual business income loss sustained in excess of the Deductibles or incurred after the Waiting Periods up to the applicable Limits of Insurance. If a Waiting Period is shown on the Declarations the Waiting Period begins immediately following the direct physical loss of or damage to property directly caused by a covered cause of loss. LOSS DETERMINATION 1. Sources of Information The amount of actual business income loss sustained will be based on relevant sources of information including but not limited to a. Your financial records tax returns and accounting procedures b. Bills invoices and other vouchers and c. Deeds liens and contracts. Net Income The amount of net income will be determined based on a. The net income of the business before the direct physical loss or damage occurred and b. The likely net income of the business if no direct physical loss or damage had occurred. Continuing Expenses The amount of continuing expenses will be determined based on those expenses which are necessary to resume your operations with the same quality of service that existed just before the direct physical loss or damage and which are incurred during the period of restoration or extended period of indemnity. Resumption of Operations We will reduce the amount of the business income loss payment a. To the extent you could resume your operations in whole or in part by using damaged or undamaged property including stock or b. To the extent you could resume your operations in whole or in part by using any other location Finished Stock and Merchandise Lost or damaged finished stock or merchandise that is valued at regular cash selling price will be considered to have been sold to your customers and will be credited against the lost sales. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 6 of 7 | 6 |
G. OPTIONAL COVERAGES If shown on the Declarations the following Optional Coverages apply separately to each item 1. Maximum Period of Indemnity The most we will pay for loss of business income is the lesser of a. The amount of loss incurred during the 120 days immediately following the beginning of the period of restoration or b. The Limit of Insurance shown on the Declarations. The Additional Condition Coinsurance endorsement does not apply to this Optional Coverage. The Extended Period of Indemnity Additional Coverage does not apply. 2. Monthly Limit of Indemnity The most we will pay for loss of business income in each period of 30 consecutive days after the beginning of the period of restoration is a. The Limit of Insurance multiplied by b. The fraction shown on the Declarations for this Optional Coverage. The Additional Condition Coinsurance endorsement does not apply to this Optional Coverage. The Extended Period of Indemnity Additional Coverage does not apply. Example If a. The Limit of Insurance is 120000. b. The fraction shown on the Declarations for this Optional Coverage is 14. The most we will pay for loss in each period of 30 consecutive days is 30000. If in this example the actual amount of the loss is Days 1 30 40000 Days 31 60 20000 Days 61 90 30000 90000 We will pay Days 1 30 30000 Days 31 60 20000 Days 61 90 30000 80000 The remaining 10000 of loss is not covered. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0130 03 14 Page 7 of 7 | 6 |
ZURICH Extra Expense Coverage Form Table of Contents Section Coverage Additional Coverages 1 Exclusions...... coe 2 Limitations...... 3 Deductible...... 4 Loss Determination..... | 6 |
ZURICH ZURICH Extra Expense Coverage Form A. COVERAGE We will pay for the actual and necessary extra expense you incur due to direct physical loss of or damage to property at a premises at which a Limit of Insurance is shown for Extra Expense on the Declarations. The loss or damage must be directly caused by a covered cause of loss. We will not pay more than the applicable Limit of Insurance shown on the Declarations for Extra Expense at that premises. ADDITIONAL COVERAGES 1. Civil Authority We will pay for the actual and necessary extra expense you incur for up to the number of days shown on the Declarations for Civil Authority when an order of civil authority prohibits access to the premises or reported unscheduled premises. That order must result from a civil authority s response to direct physical loss of or damage to property located within one mile from the premises or reported unscheduled premises where the extra expense was incurred. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage is the Limit of Insurance shown on the Declarations for Extra Expense at the premises or reported unscheduled premises where access was prohibited. The Limit for this Additional Coverage is included in and not in addition to the applicable Limit of Insurance. Ingress Egress We will pay for the actual and necessary extra expense you incur for up to the number of days shown on the Declarations for Ingress Egress when ingress or egress by your suppliers customers or employees to the premises or reported unscheduled premises is physically obstructed due to direct physical loss or damage. The actual and necessary extra expense you incur must be caused by direct physical loss of or damage to property not owned occupied leased or rented by you or insured under this Commercial Property Coverage Part. That property must be located within one mile from the premises or reported unscheduled premises where the extra expense was incurred. The obstruction can not be the result of an order of civil authority that prohibits access to that premises or reported unscheduled premises. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under the Additional Coverage is the Limit of Insurance shown on the Declarations for Extra Expense at the premises or reported unscheduled premises where ingress or egress was obstructed. The Limit for this Additional Coverage is included in and not in addition to the applicable Limit of Insurance. Newly Acquired Premises We will pay for the actual and necessary extra expense you incur due to direct physical loss of or damage to your property at a newly acquired premises. The loss or damage must be directly caused by a covered cause of loss. This Additional Coverage will automatically expire on the earliest of the following dates a. The date you report the newly acquired premises to us Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0132 03 14 Page 1 of 4 | 6 |
b. The number of days shown on the Declarations from the date the location becomes a newly acquired premises or c. The date this policy expires or is cancelled. We will charge you additional premium for values reported from the date the location becomes a newly acquired premises. The most we will pay under this Additional Coverage at any one newly acquired premises is the Limit of Insurance shown on the Declarations for Newly Acquired Premises Extra Expense. Reported Unscheduled Premises We will pay for the actual and necessary extra expense you incur due to direct physical loss of or damage to property at a reported unscheduled premises. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage at any one reported unscheduled premises is the Limit of Insurance shown on the Declarations for Reported Unscheduled Premises Extra Expense. Unreported Premises We will pay for the actual and necessary extra expense you incur due to direct physical loss of or damage to your property at an unreported premises. The loss or damage must be directly caused by a covered cause of loss. The most we will pay under this Additional Coverage at any one unreported premises is the Limit of Insurance shown on the Declarations for Unreported Premises Extra Expense. Cc. EXCLUSIONS 1. Real or Personal Property The exclusions in paragraphs 4. and 5. below and the excluded causes of loss in the REAL AND PERSONAL PROPERTY COVERAGE FORM except Off Premises Service Interruption apply to extra expense incurred caused by or resulting from loss of or damage to any property other than a. Fine arts b. Original information property c. Outdoor trees shrubs plants or lawns or d. Green roofing systems. Fine Arts The exclusions in paragraphs 4. and 5. below and the excluded causes of loss in the FINE ARTS COVERAGE FORM apply to extra expense incurred caused by or resulting from loss of or damage to fine arts. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0132 03 14 Page 2 of 4 | 6 |
Original Information Property The exclusions in paragraphs 4. and 5. below and the excluded causes of loss in the ORIGINAL INFORMATION PROPERTY COVERAGE FORM apply to extra expense incurred caused by or resulting from loss of or damage to original information property. Off Premises Service Interruption We will not pay for extra expense incurred caused by or resulting from any off premises service interruption. Such loss is excluded regardless of any other cause or event including a mistake malfunction or weather condition that contributes concurrently or in any sequence to the loss even if such other cause or event would otherwise be covered. Suspension Lapse or Cancellation We will not pay for extra expense incurred caused by or resulting from a suspension lapse or cancellation of any license lease or contract unless the suspension lapse or cancellation is directly caused by the suspension of your operations. If the suspension lapse or cancellation of any license lease or contract is directly caused by the suspension of your operations we will not pay for that portion of any extra expense incurred from such suspension lapse or cancellation which occurs after the period of restoration. D. LIMITATIONS 1. Idle Periods We will not pay for extra expense incurred during any period in which business would not or could not have been conducted for any reason other than a. Direct physical loss of or damage to property as described in Section A. Coverage above b. A civil authority prohibiting access to the premises or reported unscheduled premises as described in the Civil Authority Additional Coverage above or c. A physical obstruction affecting ingress or egress to the premises or reported unscheduled premises as described in the Ingress Egress Additional Coverage above. Strikers or Others Causing Delay We will not pay for any increase in extra expense incurred caused by delay in rebuilding repairing or replacing property or resuming operations due to the interference at the location of the rebuilding repair or replacement by strikers or other persons. Outdoor Trees Shrubs Plants or Lawns We will not pay for extra expense incurred caused by or resulting from loss of or damage to outdoor trees shrubs plants or lawns unless the loss or damage is directly caused by fire lightning explosion riot or civil commotion or aircraft. Green Roofing Systems We will not pay for extra expense incurred caused by or resulting from loss of or damage to green roofing systems unless the loss or damage is directly caused by a covered cause of loss other than loss or damage caused by or resulting from Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0132 03 14 Page 3 of 4 | 6 |
a. Nesting or infestation or discharge or release of waste products or secretions by insects birds rodents or other animals b. Disease c. Changes in or extremes of temperature d. Dampness or dryness of atmosphere or of soil supporting the vegetation or e. Rain snow hail ice or sleet. DEDUCTIBLE We will not pay for any extra expense incurred in any one occurrence until the amount of extra expense incurred exceeds the applicable Deductibles shown on the Declarations. We will then pay the actual and necessary extra expense incurred in excess of the Deductibles up to the applicable Limits of Insurance. LOSS DETERMINATION 1. Sources of Information The amount of actual and necessary extra expense incurred will be based on relevant sources of information including but not limited to a. Your financial records tax returns and accounting procedures b. Bills invoices and other vouchers and c. Deeds liens and contracts. Extra Expense The amount of actual and necessary extra expense incurred will be determined based on a. All extra expense that exceeds the normal operating expenses that would have been incurred by your operations during the period of restoration if no direct physical loss or damage had occurred and b. All expenses that reduce the extra expense that otherwise would have been incurred. We will deduct from the total extra expense incurred the salvage value of any property bought for temporary use during the period of restoration once operations are resumed. Resumption of Operations We will reduce the amount of extra expense paid to the extent you can return operations to normal and discontinue such extra expense. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0132 03 14 Page 4 of 4 | 6 |
ZURICH Flood Coverage THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACCOUNTS RECEIVABLE COVERAGE FORM REVENUE LOSS BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY EXTRA EXPENSE COVERAGE FORM FINE ARTS COVERAGE FORM ORIGINAL INFORMATION PROPERTY COVERAGE FORM REAL AND PERSONAL PROPERTY COVERAGE FORM RESEARCH AND DEVELOPMENT PROPERTY COVERAGE FORM A. COVERAGE The Flood exclusion does not apply to loss or damage at a premises at which a Limit of Insurance is shown on the Declarations for Flood. However we will not pay for loss or damage caused directly or indirectly by flood that begins before the inception of this Commercial Property Coverage Part. If the Earth Movement and Flood Coverage Specified Property endorsement is included in this Commercial Property Coverage Part this endorsement does not apply to property covered by that endorsement. B. ADDITIONAL EXCLUDED CAUSES OF LOSS Off Premises Damage We will not pay for loss or damage that is caused directly or indirectly by flood at any of the following locations 1. Cloud facility 2. Dependent premises 3. Fairs or exhibitions 4. Newly acquired premises 5. Reported unscheduled premises 6. Unreported premises or 7. Any location used to provide power or other utility service to premises. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0310 03 14 Page 1 of 2 | 6 |
C. LIMITS OF INSURANCE 1. Premises Limits The most we will pay in any one occurrence for loss or damage caused directly or indirectly by flood at any one premises is the Limit of Insurance shown on the Declarations for Flood for that premises. 2. Occurrence Limit The most we will pay in any one occurrence for all loss or damage caused directly or indirectly by flood regardless of the number of premises involved is the occurrence Limit of Insurance shown on the Declarations for Flood. 3. Annual Aggregate Limit The most we will pay for loss or damage caused directly or indirectly by flood in any one policy year regardless of the number of occurrences or premises involved is the Annual Aggregate Limit of Insurance shown on the Declarations for Flood. These Limits are included in and not in addition to any other applicable Limits of Insurance. D. DEDUCTIBLE 1. The Flood Deductible only applies to loss or damage that but for the application of the Deductible would be paid by us under this Commercial Property Coverage Part. 2. With respect to loss or damage caused directly or indirectly by flood the Deductible section is replaced by the following We will not pay for loss damage cost or expense at any one premises in any one occurrence until the amount of covered loss damage cost or expense exceeds the Flood Deductible shown on the Declarations for that premises. We will then pay for the amount of covered loss damage cost or expense in excess of the Deductible up to the applicable Limits of Insurance. If more than one premises suffers loss or damage in one occurrence the applicable Deductibles shown on the Declarations will apply separately and individually to covered loss damage cost or expense at each premises. The Flood Deductibles apply to all covered loss damage cost or expense covered by time element coverage when the loss damage cost or expense is caused directly or indirectly by covered flood even if no other deductible applies to the time element coverage. E. COINSURANCE The Additional Condition Coinsurance endorsement does not apply to coverage provided by this endorsement. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0310 03 14 Page 2 of 2 | 6 |
ZURICH Off Premises Service Interruption Direct Damage THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies the following ADDITIONAL COVERAGES FORM COMMERCIAL PROPERTY DEFINITIONS SCHEDULE POWER COMMUNICATION With Without With Without Overhead Overhead Overhead Overhead Premises Water TD Property TD Property TD Property TD Property 1 Y Y N Y N A. The Off Premises Service Interruption Direct Damage Additional Coverage in Section A. Additional Coverages in the ADDITIONAL COVERAGES FOR is replaced by the following We will pay for direct physical loss of or damage to real property and personal property at a premises or reported unscheduled premises directly caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises or reported unscheduled premises and b. Used to provide the services checked by an X in the Schedule above to the premises or reported unscheduled premises. The most we will pay under this Additional Coverage at any one premises or reported unscheduled premises is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Direct Damage. The Limit for this Additional Coverage is included in and not in addition to any other applicable Limits of Insurance. B. With respect to loss or damage covered by this endorsement the terms used in the Schedule above mean 1. Communication Communication includes video voice and data but does not include information technology services. PPP0320 03 14 Page 1 of 2 | 6 |
2. Power Power includes all sources of power including steam and natural gas. 3. Reported Unscheduled Premises RUP The Premises Symbol RUP means all reported unscheduled premises. 4. TD Property The terms With Overhead TD Property and Without Overhead TD Property have the following meanings a. With Overhead TD Property means that the property providing the applicable service includes overhead transmission and distribution property and transmission and distribution property. b. Without Overhead TD Property means that the property providing the applicable service includes transmission and distribution property but does not include overhead transmission and distribution property.. The following are added to the COMMERCIAL PROPERTY DEFINITIONS Overhead transmission and distribution property means property located away from premises and reported unscheduled premis and used to provide power or communications services to premises and reported unscheduled premises which consists of a. Overhead wires cables lines conductors including related equipment used with such property and b. Poles towers similar structures and any property mounted on them including antennae transmitters and transformers. Overhead transmission and distribution property does not mean satellites or any other orbiting equipment. Transmission and distribution property means property located away from premises and reported unscheduled premises and used to provide power or communications services to premises and reported unscheduled premises which consists of ground level or underground wires cables lines conductors including related ground level or underground equipment used with such property. Transmission and distribution property does not mean overhead transmission and distribution property.. The Additional Condition Coinsurance endorsement does not apply to coverage provided by this endorsement. PPP0320 03 14 Page 2 of 2 | 6 |
ZURICH Off Premises Service Interruption Time Element THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies the following BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY COMMERCIAL PROPERTY DEFINITIONS EXTRA EXPENSE COVERAGE FORM SCHEDULE POWER COMMUNICATION With Without With Without Water Overhead Overhead Overhead Overhead Premises Sewer TD Property TD Property TD Property TD Property 20 x x x 19 x x x 18 Xx Xx x A. COVERAGE 1. Blanket Business Income and Extra Expense For those premises and reported unscheduled premises at which a Blanket Business Income and Extra Expense Limit of Insurance is shown on the Declarations a. The following Additional Coverage is added to the following forms BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY We will pay for the actual loss of business income you sustain as determined by the applicable Coverage Form provided such loss was caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises or reported unscheduled premises and b. Used to provide the services checked by an X in the Schedule above to the premises or reported unscheduled premises. The most we will pay under this Additional Coverage at any one premises or reported unscheduled premises is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Business Income and Extra Expense. PPP0321 03 14 Page 1 of 5 | 6 |
ZURICH Off Premises Service Interruption Time Element THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies the following BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY COMMERCIAL PROPERTY DEFINITIONS EXTRA EXPENSE COVERAGE FORM SCHEDULE POWER COMMUNICATION With Without With Without Water Overhead Overhead Overhead Overhead Premises Sewer TD Property TD Property TD Property TD Property 13 x x x 16 x x x Xx Xx x 1 A. COVERAGE 1. Blanket Business Income and Extra Expense For those premises and reported unscheduled premises at which a Blanket Business Income and Extra Expense Limit of Insurance is shown on the Declarations a. The following Additional Coverage is added to the following forms BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY We will pay for the actual loss of business income you sustain as determined by the applicable Coverage Form provided such loss was caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises or reported unscheduled premises and b. Used to provide the services checked by an X in the Schedule above to the premises or reported unscheduled premises. The most we will pay under this Additional Coverage at any one premises or reported unscheduled premises is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Business Income and Extra Expense. PPP0321 03 14 Page 2 of 5 | 6 |
The Limit for this Additional Coverage is included in and not in addition to any other applicable Limits of Insurance. b. The following Additional Coverage is added to the EXTRA EXPENSE COVERAGE FORM We will pay for the actual and necessary extra expense you incur provided such extra expense was caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises or reported unscheduled premises and b. Used to provide the services checked by an X in the Schedule above to the premises or reported unscheduled premises. The most we will pay under this Additional Coverage at any one premises or reported unscheduled premises is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Business Income and Extra Expense. The Limit for this Additional Coverage is included in and not in addition to any other applicable Limits of Insurance. Business Income For those premises and reported unscheduled premises at which a Business Income Limit of Insurance is shown on the Declarations the following Additional Coverage is added to the following forms BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY We will pay for the actual loss of business income you sustain as determined by the applicable Coverage Form provided such loss was caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises or reported unscheduled premises and b. Used to provide the services checked by an X in the Schedule above to the premises or reported unscheduled premises. The most we will pay under this Additional Coverage at any one premises or reported unscheduled premises is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Business Income. The Limit for this Additional Coverage is included in and not in addition to any other applicable Limits of Insurance. Extra Expense For those premises and reported unscheduled premises at which an Extra Expense Limit of Insurance is shown on the Declarations the following Additional Coverage is added to the EXTRA EXPENSE COVERAGE FORM We will pay for the actual and necessary extra expense you incur provided such extra expense was caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises or reported unscheduled premises and PPP0321 03 14 Page 3 of 5 | 6 |
b. Used to provide the services checked by an X in the Schedule above to the premises or reported unscheduled premises. The most we will pay under this Additional Coverage is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Extra Expense. The Limit for this Additional Coverage is included in and not in addition to any other applicable Limits of Insurance. 4. Research and Development Continuing Expenses For those premises at which a Research and Development Continuing Expenses Limit of Insurance is shown on the Declarations the following Additional Coverage is added to the BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSE TECHNOLOGY We will pay for the actual and necessary research and development continuing expenses you incur provided such research and development continuing expenses were caused by an off premises service interruption. The interruption must result from direct physical loss or damage directly caused by a covered cause of loss to property a. Located away from the premises and b. Used to provide the services checked by an X in the Schedule above to the premises. The most we will pay under this Additional Coverage is the Limit of Insurance shown on the Declarations for Off Premises Service Interruption Research and Development Continuing Expenses. The Limit for this Additional Coverage is included in and not in addition to any other applicable Limits of Insurance. B. With respect to loss or expense covered by this endorsement the terms used in the Schedule above mean 1. Communication Communication includes video voice and data but does not include information technology services. 2. Power Power includes all sources of power including steam and natural gas. 3. Reported Unscheduled Premises RUP The Premises Symbol RUP means all reported unscheduled premises. 4. TD Property The terms With Overhead TD Property and Without Overhead TD Property have the following meanings a. With Overhead TD Property means the property providing the applicable service includes overhead transmission and distribution property and transmission and distribution property. b. Without Overhead TD Property means the property providing the applicable service includes transmission and distribution property but does not include overhead transmission and distribution property. C. ADDITIONAL COVERAGES 1. The Civil Authority and Contractual Penalties Additional Coverages contained in the BUSINESS INCOME COVERAGE FORM EXCLUDING EXTRA EXPENSE apply to loss of business income covered by this PPP0321 03 14 Page 4 of 5 | 6 |
endorsement. However these Additional Coverages will not increase the applicable Off Premises Service Interruption Limits of Insurance. 2. The Civil Authority Contractual Penalties and Delayed Net Income Additional Coverages contained in the BUSINESS INCOME COVERAGE FORM INCLUDING RESEARCH AND DEVELOPMENT CONTINUING EXPENSES EXCLUDING EXTRA EXPENSETECHNOLOGY apply to loss of business income and research and development continuing expenses covered by this endorsement. However these Additional Coverages will not increase the applicable Off Premises Service Interruption Limits of Insurance. 3. The Civil Authority Additional Coverage contained in the EXTRA EXPENSE COVERAGE FORM is extended to apply to extra expense covered by this endorsement. However this Additional Coverage will not increase the applicable Off Premises Service Interruption Limits of Insurance. D. ADDITIONAL DEFINITIONS The following definitions are added to the COMMERCIAL PROPERTY DEFINITIONS Overhead transmission and distribution property means property located away from premises and reported unscheduled premises and used to provide power or communications services to premises and reported unscheduled premises which consists of a. Overhead wires cables lines conductors including related equipment used with such property and b. Poles towers similar structures and any property mounted on them including antennae transmitters and transformers. Overhead transmission and distribution property does not mean satellites or any other orbiting equipment. Transmission and distribution property means property located away from premises and reported unscheduled premises and used to provide power or communications services to premises and reported unscheduled premises which consists of ground level or underground wires cables lines conductors including related ground level or underground equipment used with such property. Transmission and distribution property does not mean overhead transmission and distribution property. E. The Additional Condition Coinsurance endorsement does not apply to coverage provided by this endorsement. F. DEDUCTIBLE We will not pay for any loss of business income extra expense or research and development continuing expenses incurred in any one occurrence until the amount of loss or expense incurred exceeds the applicable Deductibles or is incurred after the applicable Waiting Periods shown on the Declarations for Off Premises Service Interruption Time Element. We will then pay the amount of actual business income loss sustained or actual and necessary extra expense or research and development continuing expenses incurred in excess of the Deductibles or incurred after the Waiting Periods up to the applicable Limits of Insurance. If a Waiting Period is shown on the Declarations the Waiting Period begins immediately following the direct physical loss of or damage to property directly caused by a covered cause of loss. With the exception of any applicable Named Storm Deductibles any other deductible otherwise applicable to business income extra expense or research and development continuing expenses does not apply to coverage provided by this endorsement. PPP0321 03 14 Page 5 of 5 | 6 |
ZURICH Loss Payable Provisions THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies the following COMMERCIAL PROPERTY CONDITIONS If loss or damage occurs to Covered Property in which both you and a Loss Payee shown on the Declarations have an insurable interest the applicable paragraph below will be added to the Loss Payment Condition. If the Loss Payee is described as Loss Payable paragraph 1. below applies. If the Loss Payee is described as Lender s Loss Payable paragraph 2. below applies. A Lender s Loss Payable is a creditor including a mortgageholder or trustee whose interest in Covered Property is established by a written instrument including a warehouse receipt a contract for deed bill of lading financing statement mortgage deed of trust or security agreement. If the Loss Payee is described as Contract of Sale paragraph 3. below applies. A Contract of Sale is a person or organization that you have entered into a contract with for the sale of Covered Property. If the Loss Payee is described as Building Owner paragraph 4. below applies. A Building Owner is the owner of the building in which you are a tenant. 1. LOSS PAYABLE For Covered Property in which both you and the Loss Payee have an insurable interest we will a. Adjust losses with you and b. Pay any claim for covered loss or damage jointly to you and the Loss Payee as interests may appear. 2. LENDER S LOSS PAYABLE a. For Covered Property in which both you and the Loss Payee have an insurable interest 1 Wewill adjust losses with you and pay for covered loss or damage to each Loss Payee in their order of precedence as interests may appear. 2 The Loss Payee has the right to receive loss payment even if the Loss Payee has started foreclosure or similar action on the Covered Property. 3 If we deny your claim because of your acts or because you failed to comply with the terms of this Commercial Property Coverage Part the Loss Payee will still have the right to receive loss payment if the Loss Payee a Pays any premium due under this Commercial Property Coverage Part at our request if you have failed to do so b Submits a signed sworn proof of loss within 60 days after receiving notice from us of your failure to do so and c Has notified us of any change in ownership occupancy or substantial change in risk known to the Loss Payee. All of the terms of this Commercial Property Coverage Part will then apply directly to the Loss Payee. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0502 03 14 Page 1 of 2 | 6 |
4 If we pay the Loss Payee for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Commercial Property Coverage Part a The Loss Payee s rights will be transferred to us to the extent of the amount we pay and b The Loss Payee s rights to recover the full amount of the Loss Payee s claim will not be impaired. At our option we may pay to the Loss Payee the principal of the debt plus any accrued interest. In this event you will pay your remaining debt to us. If we cancel this policy we will give written notice to the Loss Payee at least 1 10 days before the effective date of cancellation if we cancel for your nonpayment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. If we elect not to renew this policy we will give written notice to the Loss Payee at least 10 days before the expiration date of this policy. 3. CONTRACT OF SALE a. For Covered Property in which both you and the Loss Payee have an insurable interest we will 1 Adjust losses with you and 2 Pay any claim for covered loss or damage jointly to you and the Loss Payee as interests may appear. The following is added to the Other Insurance Condition For Covered Property that is the subject of a contract of sale the word you includes the Loss Payee. 4. BUILDING OWNER a. We will adjust losses to the building with the Loss Payee. Any loss payment made to the Loss Payee will satisfy your claims against us for the owner s property. b. We will adjust losses to improvements and betterments with you unless the lease provides otherwise. Includes copyrighted material of Insurance Services Office Inc. with its permission PPP0502 03 14 Page 2 of 2 | 6 |
Commercial Property Coverage Part ZURICH Property Portfolio Protection Revision of Forms and Endorsements Advisory Notice to Policyholders This is a summary of the major changes in your Commercial Property Coverage Part. No coverage is provided by this summary nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations Page for complete information on the coverage you are provided. If there is any conflict between the policy and this summary THE PROVISIONS OF THIS POLICY SHALL PREVAIL. The areas within the policy that broaden or reduce coverage and other changes are highlighted below. This notice does not reference every editorial change made in your policy. The material in this notice makes reference to form and endorsement numbers however not all forms and endorsements are included in a particular policy. Commercial Property Coverage Part General Provisions PPP0101 e Language has been added under the Deductibles section to contemplate that water damage and theft may be subject to separate deductible amounts. The wind or wind hail deductible language has been modified to clarify the all other peril deductible applies unless there is a separate wind or wind hail deductible on the policy. Commercial Property Conditions PPP0102 Reduction or Potential Reduction in Coverage e The Coverage Territory condition has been modified to eliminate Canada for other than transit losses. Our Envoy product would cover Canada risks. Commercial Property Definitions PPP0103 Four new definitions have been added e Cloud Facility to specify intent for new Cloud Coverage form PPP0417 e Computer systems added as a term within Cloud Coverage form PPP0417 e Green roofing systems to provide coverage without the optional Better Green endorsement e Information technology services added as a term within Cloud Coverage form PPP0417 A number of definitions have been modified e Continuing expenses was amended to clarify that continuing expenses does not include non continuing expenses e Contractor s equipment was amended to add what contractor s equipment does not mean as temporary forms shoring and false work are provided as an additional coverage with a sub limit in the Contractors Equipment Coverage Form. Contributing locations was amended to clarify the intent Electronic vandalism was broadened to include research and development property Improvements and betterments was broadened to include additional cover for tenant contract responsibility Installation or service premises was broadened to include a location where you are constructing property Landscaping materials was amended to include green roofing systems Outdoor trees shrubs plants or lawns was amended for what green roofing systems does not mean Personal property was amended for what green roofing systems does not mean Real property was amended to include green roofing systems Temporary storage location was amended to expand coverage for locations leased rented or occupied for less than one year PPP9901 03 14 Page 1 of 5 Includes copyrighted material of Insurance Services Office Inc. with its permission | 6 |
ZURICH Real and Personal Property Coverage Form PPP0110 e Language under the exclusion of Process Failures Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance Language under Dishonest Acts has been reformatted Broadened Coverage e Green roofing systems has been added to the form with a broadened peril set than previously provided under the optional Better Green endorsement. Additional Coverages Form PPP0111 e Language under Electronic Vandalism Direct Damage was expanded to include research and development property and will apply when the Research and Development Property Coverage Form PPP0118 applies to a premises. Accounts Receivable Coverage Form Revenue Loss PPP0112 Fine Arts Coverage Form PPP0114 Original Information Property Coverage Form PPP0116 e Language under Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance. e Language under Dishonest Acts has been reformatted Installation and Service Property Coverage Form PPP0115 e Language under Process Failures Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance. e Language under Dishonest Acts has been reformatted Transit Coverage Form PPP0117 e Language under Dishonest Acts has been reformatted Research and Development Property Coverage Form PPP0118 e Language under the Additional Coverages has been revised to clarify that the additional coverage applies to a premises for which you have purchased the optional coverage for research and development property e Language under the Artificially Maintained Conditions and the Off Premises Service Interruption exclusion had been clarified to indicate the exception for coverage provided in the Additional Coverages section e Language under Process Failures Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance. e Language under Dishonest Acts has been reformatted Business Income Coverage Form Excluding Extra Expense PPP0130 Business Income Coverage Form Including Research and Development Continuing Expenses Excluding Extra ExpenseTechnology PPP0131 e Language under Civil Authority has been revised to clarify the intent e Language under Expense to Reduce loss has been amended to clarify it is subject to the Business Income limit e Language under Ingress Egress has been amended to clarify the loss or damage but be directly caused by a covered cause of loss e Green roofing systems has been added to the list of excepted property types under the Real or Personal Property exclusion. e Green roofing systems has been added to the Limitations to remain consistent with the causes of loss excepted in the Real and Personal Property Coverage Form. PPP9901 03 14 Page 2 of 5 Includes copyrighted material of Insurance Services Office Inc. with its permission | 6 |
ZURICH ewe enews Extra Expense Coverage Form PPP0132 e Language under Civil Authority has been revised to clarify the intent e Language under Ingress Egress has been amended to clarify the loss or damage but be directly caused by a covered cause of loss e Green roofing systems has been added to the list of excepted property types under the Real or Personal Property exclusion. e Green roofing systems has been added to the Limitations to remain consistent with the causes of loss excepted in the Real and Personal Property Coverage Form. Contractor s Equipment Coverage Form PPP0140 e Language under the exclusion for Process Failures Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance e Language was modified in the Deductible section to allow for an option of waiting period e Language under Dishonest Acts has been reformatted Broadened Coverage e Language was amended to include two new additional coverages 1. Contractor s Equipment Continuing Lease or Rental Payments 2. Contractor s Equipment Fire Department Service Charge e Language was modified in the Deductible section to 0 out the deductible for theft if the contractors equipment was registered with National Equipment Register prior to the loss Installation Property Coverage Form PPP0141 e Language under the exclusion for Process Failures Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance e Language under the valuation for installation property was clarified to reflect what the cost was at the time of loss or damage if not repaired replaced or rebuilt e Language under Dishonest Acts has been reformatted Broadened Coverage e Language was amended to include two new additional coverages 1. Installation Property Fire Department Service Charge 2. Installation Property Pollutant Clean Up Land and Water e Language was added to the Additional Conditions section to address additional insured s as respects to their financial interest Reduction or Potential Reduction in Coverage e A Property Not Covered section was added to the policy to exclude coverage for contraband or property in the course of illegal transportation or trade. Riggers Liability Coverage Form PPP0142 e Language under the exclusion for Process Failures Defects or Errors has been modified to clarify the coverage intent of lack of maintenance and not an error while performing maintenance Reduction or Potential Reduction in Coverage e Language under Property Not Covered has been modified from lawns to land e Buildings or other structures has been added to the list of Property Not Covered e Precipitation damage to property in the open has been added as an exclusion Increased Cost of Construction Exclusion PPP0210 e Language has been amended under the definition for replacement cost to reflect new materials e Language has been clarified under the definition of period of restoration with no change in intent PPP9901 03 14 Page 3 of 5 Includes copyrighted material of Insurance Services Office Inc. with its permission | 6 |
Named Storm Direct Damage Deductible PPP0216 ZURICH Named Storm Direct Damage and Time Element Deductible PPP0217 Named Storm Direct Damage and Time Element Deductible Premises and Reported Unscheduled Premises PPP0218 Named Storm Occurrence Direct Damage and Time Element Deductible PPP0219 Named Storm Sublimit Contractor s Equipment and Installation Property PPP0247 Reduction or Potential Reduction in Coverage e The definition of named storm has been amended by separating out the occurrence portion of the definition. e Language has been added to clarify an occurrence of when a named storm begins and ends Personal Property Redefined Contractors PPP0240 e Green roofing systems was added to the list of what personal property does not mean. This is to remain consistent with adding green roofing systems under what real property does mean within the Commercial Property Definitions form Dependent Premises Business Income Coverage Scheduled Limits and Locations PPP0301 e Language under Additional Coverages for Civil Authority has been modified to clarify intent e Language with respect to civil authority has been added to the Optional Coverage section The Deductible section has been moved to follow the Optional Coverage section Dependent Premises Business Income Coverage Unscheduled Locations PPP0302 e Language under Additional Coverages for Civil Authority has been modified to clarify intent e Language with respect to civil authority has been added to the Optional Coverage section Dependent Premises Extra Expense Coverage Scheduled Limits and Locations PPP0303 e Language was restated to include the time limitation for Civil Authority within the Civil authority coverage grant Earth Movement Coverage PPP0304 Earth Movement Coverage Premises and Reported Unscheduled Premises PPP0306 Flood Coverage PPP0310 Flood Coverage Premises and Reported Unscheduled Premises PPP0311 e These optional endorsements were modified to reflect that a cloud facility as part of the new Cloud Facility Coverage is added as a location under Off Premises Damage locations excluded from coverage. Off Premises Service Interruption Direct Damage PPP0320 e Language referencing Including or Excluding was modified to With or Without e Language was added to advise what the term Communication does and does not include to clarify information technology systems is not included Off Premises Service Interruption Time Element PPP0321 e Language referencing Including or Excluding was modified to With or Without e Language was added to advise what the term Communication does and does not include to clarify information technology systems is not included e Language was modified by splitting out how the policy responds to Business Income and Extra Expense when the policy is issued with a Blanket Business Income and Extra Expense limit e Language under the deductible section was clarified to restate what we pay after the deductible or waiting period is exceeded PPP9901 03 14 Page 4 of 5 Includes copyrighted material of Insurance Services Office Inc. with its permission | 6 |
Better Green Coverage PPP0331 Z U RICH e Language throughout the form relating to green roofing systems was removed from this Optional Endorsement as it is now provided with a broader peril set under the Real and Personal Property Coverage Form PPP0110 Scheduled Contractor s Equipment Special Valuation PPP0340 Broadened Coverage e Language has been amended to reflect new materials for valuation e Language has been added to include the costs of in force service contracts warranties and the like in the valuation Financial Institution Coverage PPP0402 e Language has been modified under the definitions of newly acquired premises and unreported premises to add rigging premises to what each does not mean. This remains consistent with their definitions as listed in the Commercial Property Definitions Form PPP0103 e Language for the definition of personal property does not mean was modified to include Green roofing systems which remains consistent with its definitions as listed in the Commercial Property Definitions Form PPP0103 03 14 Golf Course Outdoor Grounds Coverage PPP0404 Limited Golf Course Outdoor Grounds Coverage PPP0407 Reduction or Potential Reduction in Coverage e The valuation provision has been amended to reduce the number of months from 24 to 12 in which you have to replace damaged trees and receive loss payment. e The valuation provision has been amended to sub limit per occurrence the amount payable for all damaged trees that are not replaced. Healthcare Industry Coverage PPP0409 e Language has been added to the mobile medical equipment provision to reflect how the amount of covered damage will be determined in a loss. e Language has been added to optionally choose a per item limit lower than the occurrence limit Broadened Coverage e The definition of Mobile medical equipment has been amended to include any trailer to which the equipment is permanently attached. e Language has been added to include the costs of in force service contracts warranties and the like in the valuation Contingent Real Property Coverage PPP0410 e Amodification of language was made as to reasons this insurance is primary Loss Payable Provisions PPP0502 Broadened Coverage e A provision has been added to include Building Owner as an option for Loss payee PPP9901 03 14 Page 5 of 5 Includes copyrighted material of Insurance Services Office Inc. with its permission | 6 |
Or ZURICH Recording And Distribution Of Material Information In Violation Of Law Exclusion Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. Exclusion q. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to q. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. B. Exclusion p. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability is replaced by the following 2. Exclusions This insurance does not apply to p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or U GL1517 B CW 0413 Page 1 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. All other terms and conditions of this policy remain unchanged. U GL1517 B CW 0413 Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
Employee Benefits Liability Occurrence Coverage Form 2 ZURICH This Coverage Form provides occurrence coverage. Please read the entire form carefully. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declara tions. The words we us and our refer to the Company providing this insurance. Other words and phrases that appear in quotes have special meaning. Refer to the Definitions Section. Section I. Coverage Employee Benefit Liability 1. 2. Insuring Agreement A. We will pay those sums that the insured becomes legally obligated to pay as damages because of any act error or omission of the insured in the ad ministration of the insured s employee benefit programs. We will have the right and duty to de fend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for any act error or omission for which this insurance does not apply. We may at our discretion investi gate any claim and settle any suit that may result but 1. The amount we pay for damages is limited as described in Section II. Limits of Insurance of this Coverage Part and 2. Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements un der this Employee Benefit Liability coverage. No other obligation or liability to pay sums or per form acts or services is covered unless explicitly provided for under Supplementary Payments of this Coverage Part. This only if surance applies to an act error or omi 1. The act error or omission takes place in the coverage territory 2. The insured had no knowledge of and could not have reasonably foreseen any circum stances which might result in a claim or suit and 3. The act error or omi policy period. jon occurs during the Exclusions This insurance does not apply to any G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation. Any claim or suit arising out of an insurer s or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant c. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured.. Any claim or suit arising out of an Insured s liability as a fiduciary under G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation Any claim or suit arising out of an insure or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant c. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured. Any claim or suit arising out of an Insured s liability as a fiduciary under U GL851 B CW 604 Page 1 of 4 | 6 |
a. The Employee Retirement Income Secu rity Act of 1974 PL93 406 and its amendments or b. The Internal Revenue Code of 1986 in cluding the Internal Revenue Code of 1954 and its amendments. Supple mentary Payments We will pay in addition to the applicable Limits of Insurance with respect to any claim we investigate or settle or suit we defend A. All expenses incurred by us all costs taxed against the insured in any suit defended by us and all interest on the full amount of any judgment which accrues after entry of the judg ment and before we have paid or tendered or deposited in court that part of the judgment which does not exceed the limit of our liability. B. Premiums on appeal bonds required and on bonds to release attachments in any suit. We do not have to furnish these bonds. C. All reasonable expenses incurred by the in sured at our request to assist us in the investi gation or defense of the claim or suit includ ing actual loss of earnings up to 250 a day be cause of time off from work. D. Prejudgment interest awarded against the in sured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment in terest based on that period of time after the of fer. II. Limits of Insurance A. The Limits of Insurance shown in the Declarations and the rules below establish the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought or 3 Employees or dependents or beneficiaries of employees making claims or bringing suits. The Aggregate Limit is the most we will pay for all damages because of all claims or suits arising from the administration of your employee benefit programs during the policy period. Subject to the Aggregate Limit provisions in B. above the Each Act Error or Omission Limit is the most we will pay for all damages sustained by any one employee including the employee s de pendents and beneficiaries because of acts errors or omissions committed in the administration of your employee benefit programs.. The limits of this Coverage Part apply separately to each consecutive annual period and to any remain ing period of less than 12 months starting with the beginning of the policy period shown in the Decla rations unless the policy period is extended after is suance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for pur poses of determining the Limits of Insurance. Ill. Conditions A. Bankruptcy Bankruptcy or insolvency of the insured or the in sured s estate will not relieve us of our obligations. Duties in the Event of an Act Error Omission Claim or Suit 1 Regardless of whether the loss exceeds any ap plicable deductible amount you must see to it that we are notified as soon as practicable of any act error or omission which may result in a claim. To the extent possible notice should include a. How when and where the act error or omission took place b. The names and addresses of any injured employee dependents or beneficiaries of any employee and witnes 2 If a claim is received by any insured you must a. Immediately record the specifics of the claim and the date received and b. Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. 3 You and any other involved insured must a. Immediately send us copies of any de mands notices summonses or legal papers received in connection with the claim or suit b. Authorize us to obtain records and other information c. Cooperate with us in the investigation set tlement or defense of the claim or suit and d. Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of injury to which this in surance may also apply. e No insureds will except at their own cost vol untarily make a payment assume any obliga tion or incur any expense without our consent. C. Legal Action Against Us U GL851 B CW 604 Page 2 of 4 | 6 |
No person or organization has a right 1 To join us as a party or otherwise bring us into a suit asking for damages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Other Insurance 1 This Coverage Part is primary insurance ex cept when stated to apply in excess of or con tingent upon the absence of other insurance. When this insurance is primary and the insured has other insurance which applies to the loss on an exc or contingent basis the amount of our liability under this Coverage Part shall not be reduced because of such other insurance. 2 When both this insurance and other insurance apply to the loss on the same basis whether primary excess or contingent we shall not be liable for a greater proportion of the loss than that stated in the applicable contribution provi sion below a. Contribution by Equal Shares Tf all of the other insurance permits contri bution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. b. Contribution by Limits If any of the other insurance does not per mit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insur ers. E. Separation of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this in surance applies 1 As if each Named Insured were Named Insured and the only 2 Separately to each insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. IV. Definitions A. B. Cc. D. E. FE Advertise ment means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters For the purposes of this definition 1 Notices that are published include material placed on the Internet or on similar electronic means of communication and 2 Regarding web sites only that part of a web site that is about your goods products or ser vices for the purposes of attracting customers or supporters is considered an advertise ment. Administration means 1 Counseling employees including their de pendents and beneficiaries with respect to employee benefit programs 2 Handling records in connection with employee benefit programs or 3 Effecting or terminating an employee s par ticipation in a plan included in employee benefit programs. Bodily injury means bodily injury sickness or dis ease sustained by a person including death result ing from any of these at any time. Coverage territory means 1 The United States of America including its territories and possessions Puerto Rico and Canada or 2 All parts of the world if the insured s respon sibility to pay damages is determined in a suit on the merits in the territory described in D. 1 above or in a settlement to which we agree. Employee means Your officers and employees whether actively em ployed disabled or retired. Employee benefit programs mean Group life insurance group accident or health in surance profit sharing plans pension plans em ployee stock subscription plans workers compensa tion une mployment insurance salary continuation U GL851 B CW 604 Page 3 of 4 | 6 |
G. plans social security disability benefits insurance avings plans vacation plans or any other similar plans or programs. Insured means You and any of your partners executive officers di rectors members stockholders or employees pro vided such employee is authorized to act in the administration of your employee benefit pro grams. Personal and advertising injury means Injury including consequential bodily injury aris ing out of one or more of the following offens 1 False arrest detention or imprisonment 2 Malicious prosecution 3 The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person oc cupies by or on behalf of its owner landlord or lessor 4 Oral or written publication in any manner of material that slanders or libels a person or or ganization or disparages a person s or organi zation s goods products or services or 5 Oral or written publication in any manner of material that violates a person s right of pri vacy 6 The use of another s advertising idea in your advertise ment or 7 Infringing upon another s copyright trade dress or slogan in your advertisement Property damage means 1 Physical injury to tangible property including all resulting loss of use of that property. 2 Loss of use of tangible property that is not physically injured. For the purposes of this insurance electronic data is not tangible property. As used in this definition electronic data means in formation facts or programs stored as or on cre ated or used on or transmitted to or from computer software including systems and applications soft ware hard or floppy disks CD ROMS tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Suit means A civil proceeding in which damages to which this insurance applies is alleged. Suit includes J An arbitration proceeding in which such dam ages are claimed and to which you must submit or do submit with our consent or 2 Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which you submit with our consent. U GL851 B CW 604 Page 4 of 4 | 6 |
Silica or Silica Mixed Dust Exclusion Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End Add. Prem THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Products Completed Operations Liability Coverage Part The following additional exclusion is added to 2. Exclusions of Section I. Coverages 2. Exclusions This insurance does not apply to Silica or Silica Mixed Dust A. Bodily injury property damage or personal and advertising injury caused directly or indirectly in whole or in part by the actual alleged or threatened inhalation ingestion absorption exposure to existence of or presence of silica or Loss costs or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any manner responding to or assessing the effects of sil ica by any insured or by any other person or entity. For the purposes of this exclusion the following definition applies Silica means 1 Any form of crystalline or non crystalline amorphous silica silica particles silica compounds silica dust or sil ica mixed or combined with dust or other particles or 2 Synthetic silica including precipitated silica silica gel pyrogenic or fumed silica or silica flour. U GL923 B CW 604 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
EMPLOYEE BENEFIT LIABILITY COVERAGE PART OCCURRENCE DECLARATIONS Policy Number CPO 5833412 02 Named Insured HEALTH TECH LLC Policy Period Coverage begins 09 30 2014 Producer Name LOCKTON COMPANIES LLC Producer No. 37385 000 09 30 2014 at1201AM Coverage ends 09 30 2015 at1201AM Item 1. Limits of Insurance 2000000 Aggregate Limit 1000000 Each Act Error or Omission Limit Item 2. Form of Business i m Individual Partnership Joint Venture Corporation J Other Item 3. Premium Schedule Code No. Premium Basis Rate Advance Premium Estimated Number of Employees 92100 121 INCL. Per Employee INCL. INCL Flat Charge INCL Total Advance Premium For This Coverage Part INCL Audit Period Annual Semi annual Quarterly Monthly Forms And Endorsements Applicable To This Coverage Part SEE SCHEDULE OF FORMS AND ENDORSEMENTS Advance Premium U GL D851 B CW 904 Page 1 of 1 | 6 |
ZURICH 2012 General Liability Multistate Forms Revision Notice to Policyholders This is a summary of the major changes in your policy. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary THE PROVISIONS OF THE POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage and other changes are highlighted below. This notice does not reference every editorial change made in your policy. We have followed the policy sequence of provisions in setting out this material. COMMERCIAL GENERAL LIABILITY COVERAGE FORMS CG 00 01 04 13 AND CG 00 02 04 13 1. EXCLUSIONS A. BROADENING OF COVERAGE 1. Coverage A Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Coverage A Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. B. OTHER CHANGES 1. Coverage A Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. 2. Coverage A Exclusion 2.g. Aircraft Auto Or Watercraft is revised to delete reference to in the state. 3. Coverage A Exclusion 2.q. and Coverage B Exclusion 2.p. Recording And Distribution Of Material Or Information In Violation Of Law were previously added to your policy via mandatory endorsement. The endorsement contained an exclusion addressing injury or damage arising out of any action or omission that violates or is alleged to violate certain statutes ordinances and regulations. This exclusion has been incorporated directly into your policy. 4. Coverage B Exclusions 2.b. and 2.c. Material Published With Knowledge Of Falsity and Material Published Prior To Policy Period are revised to reference in any manner with respect to oral or written publication for consistency with the definition of personal and advertising injury. Il. CONDITIONS OTHER CHANGES Condition 4. Other Insurance is generally revised so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. Ill. DEFINITIONS OTHER CHANGES 1. Definition 2. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 12. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. U GL P0008 A CW 0413 Page 1 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR CG 00 09 04 13 1. EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.1. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. Il. DEFINITIONS OTHER CHANGES 1. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. LIQUOR LIABILITY COVERAGE FORMS CG 00 33 04 13 AND CG 00 33 04 13 WHO IS AN INSURED BROADENING OF COVERAGE We have included trusts as Named Insureds. In addition trustees have been included as insureds but only with respect to their duties as trustees. CG 00 35 04 13 RAILROAD PROTECTIVE LIABILITY COVERAGE FORM EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.f.3a Pollution is amended to expand the exception to the exclusion with respect to bodily injury or property damage arising out of fuel or lubricants for equipment used at the job location not just when they escape from such equipment. PRODUCTS COMPLECATED OPERATIONS LIABILITY COVERAGE FORM CG 00 37 04 13 AND CG 00 38 04 13 1. EXCLUSIONS BROADENING OF COVERAGE 1. Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Exclusion 2.1. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. I.DEFINITIONS OTHER CHANGES 1. Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. U GL P0008 A CW 0413 Page 2 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
2. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 3. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. CG 00 39 04 13 POLLUTION LIABILITY COVERAGE FORM DESIGNATED SITES CG 00 40 04 13 POLLUTION LIABILITY LIMITED COVERAGE FORM DESIGNATED SITES 1. EXCLUSIONS A. BROADENING OF COVERAGE Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. B. OTHER CHANGES Exclusion Aircraft Auto Rolling Stock Or Watercraft is generally revised to reinforce that the exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured. The exclusion is also revised to express that a land motor vehicle subject to compulsory or financial responsibility laws or other motor vehicle insurance laws will not be covered with respect to its over the road exposures. Il. DEFINITIONS OTHER CHANGES 1. Exclusion 2j. Aircraft Auto Rolling Stock Or Watercraft is revised to delete reference to in the state. CG 00 40 only 2. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 3. Definition Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. CG 00 42 04 13 UNDERGROUND STORAGE TANK POLICY DESIGNATED TANKS EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.i. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. CG 00 65 04 13 ELECTRONIC DATA LIABILITY COVERAGE FORM EXCLUSIONS OTHER CHANGES Exclusion 2.g. Infringement Of Intellectual Property Rights is revised to delete the exception pertaining to the use of another s advertising idea. U GL P0008 A CW 0413 Page 3 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
MULTISTATE ENDORSEMENTS A. BROADENING OF COVERAGE 1. Electronic Data Liability Endorsement CG 04 37 is revised to introduce an exception to the electronic data exclusion in order to provide that the exclusion does not apply to liability for damages because of bodily injury. 2. Additional Insured Owners Lessees Or Contractors Automatic Status For Other Parties When Required In Written Construction Agreement Endorsement CG 20 38 is introduced to provide additional insured status to those parties whom the named insured is obligated in writing in a contract or agreement to name as an additional insured. 3. Druggists Endorsement CG 22 69 is revised to introduce an exception for the administering of vaccinations. 4. Liquor Liability Bring Your Own Alcohol Establishments Endorsement CG 24 06 is introduced to provide coverage to insureds who permit any person to bring any alcoholic beverage on an insured s premises for consumption on the insured s premises. B. REDUCTIONS OF COVERAGE 1. Additional Insured Users Of Golfmobiles Endorsement CG 20 08 is revised to include a definition of the term golfmobile. 2. Liquor Liability Exclusion Endorsements The following endorsements are revised to indicate that the liquor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured s premises for consumption on the named insured s premises CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Part CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Part CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Part CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Part 3. Total Pollution Exclusion For Designated Products Or Work Endorsement CG 21 99 is introduced to exclude coverage with respect to bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants which arises out of the product or work scheduled in the endorsement. 4. Amendment Of Personal And Advertising Injury Definition Endorsement CG 24 13 is introduced to remove from the definition of personal and advertising injury the offense of oral and written publication in any manner of material that violates a person s right of privacy. C. OTHER CHANGES 1. Limited Product Withdrawal Expense Endorsement CG 04 36 is revised in part to reinforce that the Participation Percentage is indicated in the Schedule and to reflect that the cost of the insured s participation in each product withdrawal will be borne by the named insured when due. 2. Primary And Noncontributory Other Insurance Condition Endorsement CG 20 01 is introduced to revise the Other Insurance Condition to indicated that coverage is provided to an additional insured on a primary and noncontributory basis provided that certain requirements are met. 3. Additional Insured Endorsements The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less U GL P0008 A CW 0413 Page 4 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
CG 20 03 Additional Insured Concessionaires Trading Under Your Name CG 20 05 Additional Insured Controlling Interest CG 20 07 Additional Insured Engineers Architects Or Surveyors CG 20 10 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG 20 11 Additional Insured Managers Or Lessors Of Premises CG 20 12 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations CG 20 13 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations Relating To Premises CG 20 15 Additional Insured Vendors CG 20 18 Additional Insured Mortgagee Assignee Or Receiver CG 20 23 Additional Insured Executors Administrators Trustees Or Beneficiaries CG 20 24 Additional Insured Owners Or Other Interest From Whom Land Has Been Leased CG 20 26 Additional Insured Designated Person Or Organization CG 20 27 Additional Insured Co owner Of Insured Premises CG 20 28 Additional Insured Lessor Of Leased Equipment CG 20 29 Additional Insured Grantor Of Franchise CG 20 30 Oil Or Gas Operations Nonoperating Working Interests CG 20 31 Additional Insured Engineers Architects Or Surveyors CG 20 32 Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG 20 33 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG 20 34 Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You CG 20 35 Additional Insured Grantor Of Licenses Automatic Status When Required By Licensor CG 20 36 Additional Insured Grantor Of Licenses CG 20 37 Additional Insured Owners Lessees Or Contractors Completed Operations CG 29 35 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations. Professional Services Endorsements The following endorsements are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured CG 21 16 Exclusion Designated Professional Services CG 21 52 Exclusion Financial Services CG 21 56 Exclusion Funeral Services CG 21 57 Exclusion Counseling Services CG 21 58 Exclusion Professional Veterinarian Services CG 21 59 Exclusion Diagnostic Testing Laboratories CG 22 24 Exclusion Inspection Appraisal And Survey Companies CG 22 32 Exclusion Professional Services Blood Banks CG 22 33 Exclusion Testing Or Consulting Errors And Omissions CG 22 34 Exclusion Construction Management Errors And Omissions CG 22 36 Exclusion Products And Professional Services Druggists CG 22 37 Exclusion Products And Professional Services Optical And Hearing Aid Establishments CG 22 39 Exclusion Camps Or Campgrounds CG 22 43 Exclusion Engineers Architects Or Surveyors Professional Liability U GL P0008 A CW 0413 Page 5 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
10. 11. 12. 13. 14. CG 22 44 Exclusion Services Furnished By Health Care Providers CG 22 45 Exclusion Specified Therapeutic Or Cosmetic Services CG 22 48 Exclusion Insurance And Related Operations CG 22 69 Druggists CG 22 71 Colleges Or Schools Limited Form CG 22 72 Colleges Or Schools CG 22 75 Professional Liability Exclusion Computer Software CG 22 76 Professional Liability Exclusion Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities CG 22 77 Professional Liability Exclusion Computer Data Processing CG 22 79 Exclusion Contractors Professional Liability CG 22 80 Limited Exclusion Contractors Professional Liability CG 22 87 Exclusion Adult Day Care Centers CG 22 88 Professional Liability Exclusion Electronic Data Processing Services And Computer Consulting Or Programming Services CG 22 90 Professional Liability Exclusion Spas or Personal Enhancement Facilities CG 22 91 Exclusion Telecommunication Equipment Or Service Providers Errors And Omissions CG 22 96 Limited Exclusion Personal And Advertising Injury Lawyers CG 22 98 Exclusion Internet Service Providers And Internet Access Providers Errors And Omissions CG 22 99 Professional Liability Exclusion Web Site Designers CG 23 01 Exclusion Real Estate Agents Or Brokers Errors Or Omissions CG 31 15 Construction Project Management Protective Liability Coverage. Exclusion Volunteer Workers Endorsement CG 21 66 is revised to delete reference to in the state from Exclusion 2.g. Aircraft Auto Or Watercraft.. Exclusion Failure To Supply Endorsement CG 22 50 is revised to expressly state that the exclusion also applies to the failure of any insured to adequately supply biofuel.. Pesticide Or Herbicide Applicator Coverage Endorsements CG 22 64 and CG 28 12 and Lawn Care Services Coverage Endorsement CG 22 93 are revised to reflect a change in titles to Herbicide Applicator Limited Pollution Coverage endorsements and Lawn Care Services Limited Pollution Coverage. 3 Real Estate Property Managed Endorsement CG 22 70 is revised to reinforce that the insurance provided is excess over any other insurance available whether such insurance is primary or excess.. Colleges Or Schools Endorsements CG 22 71 and CG 22 72 are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. Waiver Of Governmental Immunity Endorsement CG 24 14 is revised to reference that the endorsement also applies to the Owners And Contractors Protective Liability Coverage Part and the Railroad Protective Liability Coverage Part. Amendment Of Insured Contract Definition Endorsement CG 24 26 and Limited Contractual Liability Railroads Endorsement CG 24 27 are revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another party to the extent the assumption of the tort liability is permitted by law. Designated Locationss Aggregate Limit Endorsement CG 25 14 is introduced to make a separate Designated Location Aggregate Limit available for each location of the insured listed in the Schedule of the endorsement. Supplemental Extended Reporting Period Endorsement CG 27 10 and Supplemental Extended Reporting Period Endorsement For Specific Accidents Products Work Or Locations Endorsement CG 27 11 are revised to amend Condition 4. Other Insurance so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. Principals Protective Liability Coverage Endorsement CG 28 07 is revised to delete reference to in the state from Exclusion 2..1ei. U GL P0008 A CW 0413 Page 6 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
15. Liquor Liability Exclusion Endorsements The following endorsements are revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Part CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Part CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Part CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Part ZURICH N.A. PROPRIETARY MULTISTATE ENDORSEMENTS U GL393 Exclusion Liquor Liability and Alcohol Consumption Health Hazards BROADENING OF COVERAGE Coverage A Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. OTHER CHANGES Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. U GL655 Clinical Testing Exclusion OTHER CHANGES This endorsement was revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1060 Contractors Liability Supplemental Coverages And Conditions BROADENING OF COVERAGE 1. The Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You Section has been added to provide coverage similar to the coverage provided by ISO endorsement CG 20 28. 2. The Additional Insured Managers Or Lessors Of Premises Section has been added to provide coverage similar to the coverage provided by ISO endorsement CG 20 11. 3. The Additional Insured State Or Governmental Agency Or subdivision Or Political Subdivision Permits Or Authorizations Section has been added to provide coverage similar to the coverage provided by ISO endorsement CG 20 12. 4. The Amendment Duties In The Event of Occurrence Offense Claim or Suit Section has been broadened to state that the reporting of an occurrence to a workers compensation carrier is not considered a violation of the Duties In The Event Of Occurrence Offense Claim Or Suit Condition under certain circumstances. OTHER CHANGES 1. The Who Is An Insured Sections of U GL1060 have been moved to U GL1518. 2. The Non owned Watercraft Liability Extended Coverage Section is revised to include a Schedule that provides an option to change the 51 feet watercraft length default. 3. The items relating to revising the peril of fire to specific perils have been grouped under the Damage To Premises Rented Or Occupied By You Section. U GL P0008 A CW 0413 Page 7 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
U GL1081 Additional Insured Owners Lessees or Contractors Primary Insurance OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Finally the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1175 Additional Insured Automatic Owners Lessees Or Contractors OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1177 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1321 Broad Form Additional Insured Coverage Owners Lessees Or Contractors Scheduled Person or Organization OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. U GL P0008 A CW 0413 Page 8 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
10. 11. 12. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1327 Other Insurance Amendment Primary and Noncontributory OTHER CHANGES This endorsement has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1445 Electrical Contractors Liability Coverage Enhancement BROADENING OF COVERAGE Coverage A Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. U GL1452 Printers Errors and Omissions Liability Including Cost to Correct and Expenses of Withdrawal or Inspection Coverage BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. OTHER CHANGES The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion Exclusion t. for clarity. U GL1453 Printers Errors and Omissions Liability and Expenses of Withdrawal or Inspection Coverage BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. OTHER CHANGES The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion Exclusion t. for clarity. U GL1461 Additional Insured Automatic Owners Lessees Or Contractors Products Completed Operations Liability Amendment OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL P0008 A CW 0413 Page 9 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
13. 14. 15. 16. U GL1462 Additional Insured Owners Lessees Or Contractors Products Completed Operations Liability Amendment Scheduled Person Or Organization OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1465 Additional Insured Owners Lessees Or Contractors Ongoing Operations Scheduled OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. U GL1466 Additional Insured Owners Lessees Or Contractors Completed Operations Scheduled OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. U GL1477 General Liability Extended Coverages OTHER CHANGES This endorsement contains two additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL P0008 A CW 0413 Page 10 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
17. 18. 19. 20. 21. U GL1484 Contractor s Pollution Liability Endorsement BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. OTHER CHANGES This endorsement was revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion for clarity. U GL1489 Heating And Air Conditioning Contractor Li Coverage Enhancement BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. U GL1504 General Liability Supplemental Coverage Endorsement Real Estate Enhancement OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. lity Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1505 General Liability Supplemental Coverage Endorsement Real Estate Class A OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1506 General Liability Supplemental Coverage Endorsement Real Estate Trophy Asset OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. U GL P0008 A CW 0413 Page 11 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
22. 23. 24 25. 26. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1513 Interior Trade Contractor Liability Coverage Enhancement BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. U GL1517 Recording and Distribution of Material or Information of Law Exclusion OTHER CHANGES The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion for clarity. U GL1330 Financial Institutions Extension OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1345 General Lia OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. ity Supplemental Coverage Endorsement Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1369 General Liability Supplemental Coverage Endorsement Technology OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL P0008 A CW 0413 Page 12 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number CPO 5833412 02 ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS Named Insured HEALTH TECH LLC Policy Period Coverage begins 09 30 2014 at1201AM.Coverageends 09 30 2015 at1201AM. Producer Name LOCKTON COMPANIES LLC Producer No. 37385 000 Item 1. Business Description Item 2. Limits of Insurance GENERAL AGGREGATE LIMIT 2000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 1000000 EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 300000 Any one premises MEDICAL EXPENSE LIMIT 5000 Any one person PERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization Item 3. Retroactive Date CG 00 02 ONLY This insurance does not apply to bodily injury property damage or personal and advertising injury offense which occurs before the Retroactive Date if any shown here NONE Enter Date or None if no Retroactive Date applies Item 4. Form of Business and Location Premises Form of Business LIMITED LIABILITY COMPANY Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 5. Schedule of Forms and Endorsements Forms and Endorsements made a part of this Policy at time of issue See Schedule of Forms and Endorsements Item 6. Premiums Coverage Part Premium 5832.00 Other Premium 32.00 Total Premi COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number CPO 5833412 02 ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS Named Insured HEALTH TECH LLC Policy Period Coverage begins 09 30 2014 at1201AM.Coverageends 09 30 2015 at1201AM. IENERAL AGGREGATE LIMIT IENERAL AGGREGATE LIMIT 2000000 RODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 1000000 ACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 300000 Any one premises MEDICAL EXPENSE LIMIT 5000 Any one person ERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization 300000 Any one premises 5000 Any one person 1000000 Any one person or organization U GL D1115 B CW 904 | 6 |
Policy Number CPO 5833412 02 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS Named Insured HEALTH TECH LLC Agent Name LOCKTON COMPANIES LLC ISQUARE FEET NEAREST THOUSAND Effective Date 09 30 14 1201 A.M. Standard Time Agent No. 37385 000 Premises Operations Location 001001 Exposure 850 Rate Premium lassification UILDINGS OR PREMISES OFFICE OTHER THAN NOT FOR PROFIT Code No. Premium Basis 61226 ISQUARE FEET NEAREST THOUSAND 147.852 126. Products Completed Operations Rate Premium Premises Operations Location 013001 Exposure 18464 Rate Premium lassification ISQUARE FEET NEAREST THOUSAND 125.159 2311. Products Completed Operations Rate Premium Premises Operations Location 016001 Exposure 6 Rate Premium lassification UILDINGS OR PREMISES OFFICE OTHER THAN NOT FOR PROFIT Code No. Premium Basis 61226 ISQUARE FEET NEAREST THOUSAND 119.246 Products Completed Operations Rate Premium Premises Operations Location 018001 Exposure 6656 Rate Premium lassification UILDINGS OR PREMISES OFFICE OTHER THAN NOT FOR PROFIT U GL1113 A CW 1002 133.488 888. Products Completed Operations Rate Premium COMMERCIAL GENERAL LIABILITY COVERAGI ZURICH AMERICAN INSURANCE C NE WEINAIC 12 02 NO.2nN.1 A PILDINGS OR PREMISES OFFICH OLHER IAN NOT FOR PROFIT JILDINGS OR PREMISES OFFICE OTHER IAN NOT FOR PROFIT JILDINGS OR PREMISES OFFICK OTHER IAN NOT FOR PROFIT JILDINGS OR PREMISES OFFICE OTHER IAN NOT FOR PROFIT | 6 |
Policy Number CPO 5833412 02 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS Named Insured HEALTH TECH LLC Effective Date 09 30 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 SQUARE FEET NEAREST THOUSAND Premises Operations Location 019001 Exposure 7585 Rate Premium lassification UILDINGS OR PREMISES OFFICE OTHER 244.537 1855.00 HAN NOT FOR PROFIT Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 61226 SQUARE FEET NEAREST THOUSAND remises Operations Location 020001 Exposure 50 Rate Premium lassification 171.569 Products Completed Operations Rate Premium Premises Operations Location Exposure Rate Premium lassification L SUPPLEMENTAL COVERAGE ENDORSEMENT 350.00 Products Completed Operations Rate Premium Code No. Premium Basis Premises Operations Location Exposure Rate Premium lassification 114.00 TERRORISM CAT Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGI ZURICH AMERICAN INSURANCE C NE WEINAIC 12 02 NO.2nN.1 A PILDINGS OR PREMISES OFFICH OLHER IAN NOT FOR PROFIT JILDINGS OR PREMISES OFFICE OTHER IAN NOT FOR PROFIT 1 SUPPLEMENTAL COVERAGE ENDORSEMENT RRORISM CAT | 6 |
Policy Number CPO 5833412 02 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS Named Insured HEALTH TECH Agent Name LOCKTON COMPANIES LLC of Employees LLC Effective Date 09 30 14 1201 A.M. Standard Time Agent No. 37385 000 Premises Operations Location Exposure 121 Premium lassification mployee Benefits Liability Code No. Premium Basis 178.00 Products Completed Operations Rate Premium Premises Operations Location Exposure Rate Premium lassification Products Completed Operations Rate Premium Premises Operations Location Exposure Rate Premium lassification Code No. Premium Basis Products Completed Operations Rate Premium Premises Operations Location Exposure Rate Premium lassification U GL1113 A CW 1002 Products Completed Operations Rate Premium COMMERCIAL GENERAL LIABILITY COVERAGI ZURICH AMERICAN INSURANCE C NE WEINAIC 12 02 NO.2nN.1 A Ilployee Benerits Liability | 6 |
COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or Bor medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. 3 d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. his policy restrict coverage. carefully to determine rights not covered. e words you and your refer own in the Declarations and ization qualifying as a Named y. The words we us and providing this insurance. s any person or organization sr Section Il Who Is An es that appear in quotation ining. Refer to Section V Ss INJURY AND PROPERTY ums that the insured becomes pay as damages because of roperty damage to which this We will have the right and le insured against any suit mages. However. we will have 2 CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 1 of 16 | 4 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location iil which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or Bodily injury or property damage arising out of heat smoke or fumes froma hostile fire b At or from any premises site or location c which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 3 of 16 | 5 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitori cleaning up removing contai treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph f.2 or.3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 3 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Ill Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.. Personal And Advel This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. ing Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or usion does not apply to ded in the products ard. ur product arising out ir work arising out of it luded in the products ard. apply if the damaged CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 5 of 16 | 5 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services. stated in your advertisement. ance applies to this coverage 1 Ill Limits Of Insurance. AL AND ADVERTISING ums that the insured becomes pay as damages because of ertising iniurv to which this Page 6 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. j. Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. publishing or n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 4 CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 7 of 16 | 5 |
COVERAGE C MEDICAL PAYMENTS d. 1. Insuring Agreement a. We will pay medical expenses as described Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are below for bodily injury caused by an accident 1 On premises you own or rent payable or must be provided under a workers compensation or disability benefits law or a similar law. 2 On ways next to premises you own or rent e. Athletics Activities or. To a person injured while practicing instructing 3 Because of your operations or participating in any physical exercises or provided that games sports or athletic contests. a The accident takes place in the coverage f. Products Completed Operations Hazard territory and during the policy period Included within the products completed b The expenses are incurred and reported operations hazard. to us within one year of the date of the g. Coverage A Exclusions accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend These payments will not exceed the applicable a. All expenses we incur. limit of fn ance We will pay reasonable b. Up to 250 for cost of bail bonds required expenses Tor because of accidents or traffic law violations 1 First aid administered at the time of an arising out of the use of any vehicle to which the accident Bodily Injury Liability Coverage applies. We do 2 Necessary medical surgical X ray and dental not have to furnish these bonds. services including prosthetic devices and c. The cost of bonds to release attachments but 3 Necessary ambulance hospital professional only for bond amounts within the applicable limit nursing and funeral services of insurance. We do not have to furnish these. bonds. 2. Exclusions thai tei oom d. All reasonable expenses incurred by the insured We will not pay expenses for bodily injury at our request to assist us in the investigation or a. Any Insured defense of the claim or suit including actual To any insured except volunteer workers. loss of earnings up to 250 a day because of Hired Pe time off from work.. re rson. e. All court costs taxed against the insured in the To a person hired to do work for or on behalf of suit. However these payments do not include any insured or a tenant of any insured. attorneys fees or attorneys expenses taxed. Injury On Normally Occupied Premises against the insured. To a person injured on that part of premises you f. Prejudgment interest awarded against the own or that occupies. rent the person normally insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. as described an accident u own or rent 1 the coverage icy period J and rannrtad Page 8 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. b c d So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. lit and the information rence are such that no etween the interests of sts of the indemnitee e insured ask us to the defense of that suit and agree that we counsel to defend the e and CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 9 of 16 | 5 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or Volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or d Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION III LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. jy or control itrol is being Page 10 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claimis made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. 2 4 Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. ar BEBE cts completed Personal And will pay under 2s because of stained by any e whichever the most we erty damage Damage To most we will because of while rented while rented by you with ne last preceding period for purposes Limits of Insurance. IMMERCIAL GENERAL LIABILITY CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 11 of 16 | 5 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below.. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. ii iil Cc 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. b. We will compute all premiums for this Coverage Part in accordance with our rules and rates. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured.. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Page 12 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your 3. representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.. Hostile fire However auto does not include mobile equipment. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or ina settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. means one which becomes uncontrollable or breaks out from where it was intended to be. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. wy Sst eee Jamed Insured this vere the only Named gainst whom claim is Against Others To ver all or part of any this Coverage Part us. The insured must them. At our request ansfer those rights to overage Part we will CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 13 of 16 | 5 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality. An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 2 b 10. Leased worker means a person leased to you by 1 1 i a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker..Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. 2 agreement except in ruction or demolition feet of a railroad ired by ordinance to except in connection ly anraamant Page 14 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
13. 14. 15. However self propelled vehicles with following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. b. c. False arrest detention or imprisonment Malicious prosecution The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services. Oral or written publication in any manner of material that violates a person s right of privacy The use of another s advertising idea in your advertisement or Infringing upon another s copyright trade dress or slogan in your advertisement. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. the 16. Products completed operations hazard. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. in your physical b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or ina policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. equipment but will be imarily for but not construction nilar devices mounted chassis and used to and mps and generators welding building exploration lighting pment. does not include any t to a compulsory or r other motor vehicle icensed or principally ct to a compulsory or r other motor vehicle autos. accident including ure to substantially the ns. injury means injury y injury arising out of ffenses nprisonment n wrongful entry into private occupancy of a nises that a person or on behalf of its n in any manner of r libels a person or aes a nerson s or 2 3 CG 00 01 04 13 Insurance Services Office Inc. 2012 Page 15 of 16 | 5 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 20. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21. Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality or use of your durability performance product and 2 The providing of or warnings or instructions. failure to provide c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22. Your work a. b. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or warnings or instructions. failure to provide Page 16 of 16 Insurance Services Office Inc. 2012 CG 00 01 04 13 | 5 |
Fungi Or Bacteria Exclusion Endorsement Policy No. Eff. Date of Pol. Exp. Date of Pol Eff. Date of End. Producer Addl Prem Return Prem THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following exclusion is added to paragraph 2. Exclusions of Section I. Coverage A Bodily Injury And Property Damage Liability and paragraph 2. Exclusions of Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi or Bacteria A. Bodily injury property damage or personal and advertising injury caused directly or indirectly by the actual alleged or threatened inhalation of ingestion of contact with exposure to existence of or presence of any 1. Fungior bacteria or 2. Substance vapor or gas produced by or arising out of any fungi or bacteria. Loss costs or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. For the purposes of this exclusion the following definitions are added 1. Fungi means any type or form of fungus including mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. 2. Spores means reproductive bodies produced by or arising out of fungi. 3. Bacteria means any type or form of bacteria and any materials or substances that are produced or released by bacteria. This exclusion does not apply to any fungior bacteria that are are on or are contained in an edible good or edible product intended for human or animal consumption. U GL II7I AC W 0703 Page of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission | 6 |
ZURICH Lead Liability Exclusion Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End Add. Prem THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following exclusion is added to Paragraph 2. Exclusions of Section I Coverage A Bodily Injury And Property Dam age Liability and Paragraph 2. Exclusions of Coverage B Personal And Advertising Injury Liability This insurance does not apply to Lead 1 Bodily injury property damage or personal and adver to the actual alleged or threatened sing injury arising out of resulting from caused by or related a Exposure to or existence of lead paint containing lead or any other material product or substance containing lead or b Manufacture distribution sale resale re branding installation repair removal encapsulation abatement replace ment or handling of lead paint containing lead or any other material product or substance containing lead whether the lead is or was at any time airborne ingested inhaled absorbed transmitted in any fashion or found in any form whatsoever or whether any other cause event material product or substance contributed concurrently or in any se quence to the injury or damage. 2 Any sums that any insured or other entity must pay repay or reimburse because of any a Request demand order or statutory or regulatory requirement that any insured or others test for sample monitor clean up remove abate cover contain treat mitigate or neutralize lead paint containing lead or any other mate rial product or substance containing lead or in any way respond to or asses s the effects of lead in any form or b Claim or suit for damages relating to testing for sampling monitoring cleaning up removing abating covering containing treating mitigating or neutralizing lead paint containing lead or any other material product or sub stance containing lead or in any way responding to or assessing the effects of lead in any form. 3 Any other loss cost or expense arising out of caused by or relating in any way to lead. U GL 1342 4 CW 1007 Page of 1 | 6 |
Asbestos Exclusion Endorsement Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End Add. Prem a THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following exclusion is added to paragraph 2. Exclusions of Section I Coverage A Bodily Injury And Property Damage Liability and Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Asbestos A. Bodily injury property damage or personal and advertising injury arising out of or which would not have oc curred in whole or in part but for the actual alleged or threatened discharge dispersal release leakage leaching friability flaking escape or presence of asbestos regardless of whether any other cause event material or product contributed concurrently or in any sequence to the injury or damage or B. Any sums that any insured or other entity must pay repay or reimburse because of any 1. Request demand order statutory or regulatory requirement direction or determination that any insured or others test for investigate monitor clean up remove study contain treat encapsulate control or take any other action regarding asbest Ss Or 2. Claim or suit for damages arising out of or relating in any way to any request demand order statutory or regulatory requirement direction or determination that any insured or others test for investigate monitor clean up remove study contain treat encapsulate control or take any other action regarding asbestos or C. Any other loss cost or expense arising out of or relating in any way to asbestos. U GL1178 A CW 0703 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 6 |
ZURICH Deductible Endorsement Occurrence Policy No. Exp. Date of Pol. Eff. Date of End. Agency No. Addl. Prem Return Prem CC THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Employee Benefits Liability Coverage Part It is agreed that the following deductible provisions are added to the policy as respects the Employee Benefit Li ability Coverage Part The terms of this Coverage Part apply regardless of the application of the deductible amount. This in cludes those terms with respect to a. Our rights and duties with respect to the de Deductible 1000 c Peri tatt a fense of suits and 1. The deductible amount stated above shall be de ducted from the amount of all claims arising out of the same act error or omission. We shall be liable only for the difference between such deductible amount and the amount of insurance otherwise ap plicable on a per act error or omission basis. The Aggregate Limit will not be reduced by the appli cation of such deductible. b. The insured s duties in the event of an act er ror or omission or a claim or suit. We may pay any part or all of the deductible amount to effect settlement of any claim or suit. You shall promptly reimburse us for such part of the deductible amount as has been paid by us after we notify you of our action. The terms of this Coverage Part apply regardless of the application of the deductible amount. This in cludes those terms with respect to a b. The insured s duties in the event of an act er ror or omission or a claim or suit. We may pay any part or all of the deductible amount to effect settlement of any claim or sui You shall promptly reimburse us for such part of the deductible amount as has been paid by us after we notify you of our action. U GL852 A CW 796 Page of 1 | 6 |
COMMERCIAL GENERAL LIABILITY CG 21 47 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily In. jury And Property Damage Li ity This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CG 21 47 1207 ISO Properties Inc. 2006 Page 1 of 1 o | 6 |
ZURICH THIS NOTICE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. NOTICE REGARDING TERRORISM PREMIUM FOR COMMERCIAL AUTOMOBILE INS URANCE SCHED ULE Premium attributable to risk of loss resulting from terrorism for the Commercial Automobile line of insurance Automobile 22.00 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Terrorism Risk Insurance Act TRIA The Commercial Automobile line is not part of TRIA. On December 22 2005 the President of the United States signed the first TRIA extension act into law and at that time the Commercial Auto line was removed from the program. The federal government does not share in Commercial Automobile terrorism losses.. B. Disclosure of Terrorism Premium We have elected to provide notice to you of the amount of the total policy premium attributable to the risk of loss from terrorism for the Commercial Automobile line of insurance. Copyright 2008 Zurich American Insurance Compnay Includes copyrighted materi ices Office Inc. with its permission U CA531 B 208 Page 1 of 1 | 6 |
POLICY NUMBER CPO 5833412 02 ZURICH AMERICAN INSURANCE COMPANY OF ILLINOIS 1400 American Lane Schaumburg Ill is 60196 1056 1 800 382 2150 BUSINESS AUTO DECLARATIONS COMMERCIAL AUTO ITEM ONE PRODUCER LOCKTON COMPANIES LLC NAMED INSURED HEALTH TECH LLC SEE NAMED INSURED ENDORSEMENT MAILING ADDRESS 5110 MARYLAND WAY SUITE 200 BRENTWOOD TN 37027 POLICY PERIOD From 09 302014 to 09302015 at 1201 A.M. Standard Time at your mailing address shown above PREVIOUS POLICY NUMBER CPO 5833412 01 FORM OF BUSINESS CORPORATION X LIMITED LIABILITY COMPANY INDIVIDUAL PARTNERSHIP OTHER IN RETURN FOR THE PAYMENT OF THE PREMIUM AND SUBJECT TO ALL THE TERMS OF THIS POLICY WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. Premium shown is payable at inception 2185.39 AUDIT PERIOD IF APPLICABLE ANNUALLY SEMI QUARTERLY MONTHLY ANNUALLY ENDORSEMENTS ATTACHED TO THIS POLICY IL 00 17 Common Policy Conditions IL 01 46 in Washington IL 00 21 Broad Form Nuclear Exclusion not Applicable in New York IL 01 98 in Washington SEE SCHEDULE OF FORMS AND ENDORSEMENTS COUNTERSIGNED BY Date Authorized Representative U CA D600 C 0414 Page 1 | 6 |
ITEM TWO Schedule Of Coverages And Covered Autos This policy provides only those coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those autos shown as covered autos. Autos are shown as covered autos for a particular coverage by the entry of one or more of the symbols from the Covered Autos section of the Business Auto Coverage Form next to the name of the coverage. COVERED COVERAGES AUTOS LIMIT PREMIUM COVERED AUTOS LIABILITY 1000000 2000 PERSONAL INJURY SEPARATELY STATED IN EACH P.I.P. PROTECTION or equivalent ENDORSEMENT MINUS No fault Coverage DEDUCTIBLE. ADDED PERSONAL INJURY SEPARATELY STATED IN EACH ADDED P.L.P. PROTECTION or equivalent ENDORSEMENT Added No fault Coverage. SEPARATELY STATED IN THE PROPERTY PROPERTY PROTECTION PROTECTION INSURANCE ENDORSEMENT INSURANCE Michigan only MINUS DEDUCTIBLE FOR EACH ACCIDENT. AUTO MEDICAL PAYMENTS EACH INSURED MEDICAL EXPENSE AND SEPARATELY STATED IN THE MEDICAL INCOME LOSS BENEFITS EXPENSE AND INCOME LOSS BENEFITS Virginia only ENDORSEMENT. UNINSURED MOTORISTS UNDERINSURED MOTORISTS When not included in Uninsured Motorists Coverage ACTUAL CASH VALUE OR COST OF REPAIR WHICHEVER IS LESS MINUS SEE ENDT PHYSICAL DAMAGE DEDUCTIBLE FOR EACH COVERED AUTO BUT COE Ee NSIVE 8 NO DEDUCTIBLE APPLIES TO LOSS 60 CAUSED BY FIRE OR LIGHTNING. See ITEM FOUR For Hired or Borrowed Autos. ACTUAL CASH VALUE OR COST OF REPAIR SeLCIRED MASE WHICHEVER IS LESS MINUS CAUSES OF LOSS DEDUCTIBLE FOR EACH COVERED AUTO FOR COVERAGE LOSS CAUSED BY MISCHIEF OR VANDALISM. See ITEM FOUR For Hired Or Borrowed Autos. ACTUAL CASH VALUE OR COST OF REPAIR PHYSICAL DAMAGE 8 WHICHEVER IS LESS MINUS SEE ENDT 60 COLLISION COVERAGE DEDUCTIBLE FOR EACH COVERED AUTO. See ITEM FOUR For Hired Or Borrowed Autos. PHYSICAL DAMAGE FOR EACH DISABLEMENT TOWING AND LABOR OF A PRIVATE PASSENGER AUTO. TAX SURCHARGE FEE 39 PREMIUM FOR ENDORSEMENTS 65 ESTIMATED TOTAL PREMIUM 2185.39 This policy may be subject to final audit. TT MAGE SIVE U CA D600 C 0414 Page 2 | 6 |
ITEM FOUR SCHEDULE OF HIRED OR BORROWED COVERED AUTO COVERAGE AND PREMIUMS COVERED AUTOS LIABILITY COVERAGE Cost Of Hire Rating Basis for Autos Used In Your Motor Carrier Operations Other Than Mobile Or Farm Equipment ESTIMATED ANNUAL COST OF HIRE FOR EACH STATE COVERED AUTOS. LIABILITY COVERAGE PREMIUM Primary Coverage Excess Coverage GA IF ANY INCL TOTAL HIRED AUTO PREMIUM For autos used in your motor carrier operations cost of hire means 1. The total dollar amount of costs you incurred for the hire of automobiles includes trailers and semitrailers and if not included therein 2. The total remunerations of all operators and drivers helpers of hired automobiles whether hired with a driver by lessor or an employee of the lessee or any other third party and 3. The total dollar amount of any other costs i.e. repair maintenance fuel etc. directly associated with operating the hired automobiles whether such costs are absorbed by the insured paid to the lessor or owner or paid to others. COVERED AUTOS LIABILITY COVERAGE Cost Of Hire Rating Basis for Autos NOT Used In Your Motor Carrier Operations Other Than Mobile Or Farm Equipment COVERED AUTOS. ESTIMATED ANNUAL LIABILITY COVERAGE STATE COST OF HIRE FOR EACH STATE PREMIUM Primary Coverage Excess Coverage TOTAL HIRED AUTO PREMIUM For autos NOT used in your motor carrier operations cost of hire means the total amount you incur for the hire of autos you do nt own not including autos you borrow or rent from your partners or employees or their family members. Cost of hire does not include charges for services performed by motor carriers of property or passengers. biles includes trailers and U CA D600 C 0414 Page 3 | 6 |
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