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SCHEDULE OF NON OWNED DISPOSAL SITES Named Insured Endorsement Number Goradia Capital LLC 13 Policy Symbol Policy Number Policy Period Effective Date of Endorsement APC G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company lllinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGE D.5 SCHEDULE OF NON OWNED DISPOSAL SITES LOCATIONS Clean Harbors Hebron OHD980587364 Green Valley Environmental KY000985739 Safety Kleen WVR000001446 Stericycle Inc. Parkersburk WV Veolia Environmental Services WC OHD093945293 Veolia Environmental Services Sauget ILD098642424 Veolia Environmental Texas TXD000838896 Veolia ES Technical Solutions NJD980536593 Veolia ES Technical Solutions WI D988566543 A. ltis agreed that the coverage afforded under D.5 Off Site Non Owned Disposal Sites Liability applies only to the non owned disposal sites listed in the Schedule above. B. ltis agreed that the Definition 26. is deleted and replaced with the following Non owned disposal site means a site that is not owned or operated by the insured and in which the insured maintains no ownership interest which receives or has received the insured s waste and is listed in the Schedule above. Al other terms and conditions of this policy remain unchanged. Authorized Representative PC26876 0409 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU Named Insured Endorsement Number Goradia Capital LLC 14 Policy Symbol Policy Number Policy Period Effective Date of Endorsement G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGE A With respect to Commercial General Liability Coverage A only it is agreed that A. Who Is An Insured Section Ill is amended to include as an additional insured any person or organization from whom you lease equipment when you and such person or organization have agreed in writing in a contract or agreement that such person or organization to added as an additional insured on your policy. Such person or organization is an insured only with respect to liability for bodily injury or property damage caused in whole or in part by your maintenance operation or use of equipment leased to you by such person or organization. A person s or organization s status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. B. With respect to the insurance afforded to these additional insured this insurance does not apply to any occurrence which takes place after the equipment lease expires. Al other terms and conditions of this policy remain unchanged. Authorized Representative PC26850 0409 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
DESIGNATED ENTITY EXCLUSION Named Insured Endorsement Number Goradia Capital LLC 15 Policy Symbol Policy Number Policy Period Effective Date of Endorsement APC G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY SCHEDULE Designated Entitys All entities are excluded with the exception of Haverhill Chemical LLC Lion Copolymer LLC SBR Lion Copolymer Services LLC Lion Copolymer Geismar LLC EPDM Lion Copolymer Geismar I LLC EPDM Services LC Geismar Services LLC Lion Copolymer Holdings LLC The insurance afforded under this policy does not apply to the entity or entities designated in the Schedule above and such entity or entities are not insureds. Al other terms and conditions of the policy remain unchanged. Authorized Representative 2012 PC38221 0812 Page 1 of 1 | 2 |
UNINTENTIONAL FAILURE TO DISCLOSE ENDORSEMENT Named Insured Endorsement Number Goradia Capital LLC 16 Policy Symbol Policy Number Policy Period Effective Date of Endorsement APC G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGES A B C AND G It is agreed that with respect to Coverages A B C and G your failure to disclose all hazards or prior occurrences or pollution conditions existing as of the inception date of the policy shall not prejudice you with respect to the coverage afforded by this policy provided such failure to disclose all hazards or prior occurrences or pollution conditions is not intentional. All other terms conditions and exclusions of this policy remain unchanged. Authorized Representative PC27457 0609 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
LOT OR BATCH CLAUSE ENDORSEMENT Named Insured Endorsement Number Goradia Capital LLC 17 Policy Symbol Policy Number Policy Period Effective Date of Endorsement APC G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Tnsert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGE A Itis agreed that any damages as a result of bodily injury or property damage that A. Are included in the products completed operations hazard B. Arise from the substantially same general harmful condition cause defect error or suspected deficiency and C. Arise out of any one lot or batch of your product that is prepared or acquired by you shall be considered as a single occurrence. Such occurrence shall be deemed to occur when the bodily injury or property damage occurs for the first claim arising from such lot or batch. For the purposes of this endorsement a lot or batch means all goods or products prepared or acquired A. During the time frame that is the normal amount of time for a single lot or batch in accordance with the insured s customary procedures and B. At asingle production facility and C. Prepared in accordance with the insured s customary production and quality control lot or batch identification procedures. Al other terms and conditions of this policy remain unchanged. Authorized Representative PC26853 0409 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
NUCLEAR ENERGY LIABILITY EXCLUSION Named Insured Endorsement Number Goradia Capital LLC 18 Policy Symbol Policy Number Policy Period Effective Date of Endorsement APC G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGES A B C AND G The Exclusions applicable to Coverages A C and G are amended to include the following exclusion Nuclear Energy Liabi This insurance does not apply to 1 Bodily Injury property damage or remediation costs a With respect to which the insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada or would be an insured under any such policy but for its termination upon exhaustion of its limits of liability or b Resulting from the hazardous properties of nuclear material and with respect to which i Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or ii The insured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. 2 Under any Medical Payments coverage to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. 3 Resulting from the hazardous properties of nuclear material if a The nuclear material i Is atany nuclear facility owned by or operated by or on behalf of the insured or ii Has been discharged or dispersed therefrom b The nuclear material is contained in spent fuel or waste at any time possessed handled used processed stored transported or disposed of by or on behalf of the insured or c The bodily injury or property damage arises out of the furnishing by the insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility located within the United States of America its territories or possessions or Canada. As used in this exclusion 1 Hazardous properties include radioactive toxic or explosive properties. 2 Nuclear material means source material special nuclear material or byproduct material. 3 Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. 4 Spent fuel means any fuel element or fuel component solid or liquid which has been used or exposed to radiation in a nuclear reactor. PC26738 0309 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
5 Waste means any waste material a Containing byproduct material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content and b Resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility 6 Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for i Separating the isotopes of uranium or plutonium ii Processing or utilizing spent fuel or i Handling processing or packaging waste c Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or disposal of waste e The site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. 7 Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. 8 Property damage includes all forms of radioactive contamination of property. All other terms and conditions of this policy remain unchanged. Authorized Representative PC26738 0309 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 | 2 |
KNOWLEDGE OF OCCURRENCE POLLUTION CONDITION OR GOVERNMENT ACTION Named Insured Endorsement Number Goradia Capital LLC 19 Policy Symbol Policy Number Policy Period Effective Date of Endorsement G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY The following is added to Condition 3. Duties in the Event of Occurrence Offense Claim or Suit Coverages A B and C and to Condition 4. Duties in the Event of a Pollution Condition Claim including a Suit or Government Action Related to Pollution Coverages D E F and G It is agreed that knowledge of an occurrence pollution condition or government action by any of your agents servants or employees shall not constitute knowledge by you unless one of your executive officers or anyone responsible for administering your insurance program has received such notice from the agent servant or employee. Al other terms and conditions of the policy remain unchanged. Authorized Representative PC26856 0409 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
ANTI STACKING ENDORSEMENT Named Insured Goradia Capital LLC Endorsement Number Policy Symbol APC Policy Number G24922005 002 Policy Period 01012014 to 01012015 Effective Date of Endorsement 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Tnsert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY The policy is amended to include the following additional Condition If this insurance and any other insurance issued to the Named Insured by us or any of our affiliated companies applies to the same claim suit occurrence offense pollution condition or government action the maximum limit of insurance available for such claim suit occurrence offense pollution condition or government action will not exceed the highest applicable limit of insurance available under any one policy. This condition does not apply to any other insurance issued by us or any of our affiliated companies specifically issued to apply as excess insurance over the limits of this policy. Al other terms and conditions of the policy remain unchanged. Authorized Representative 2011 PC34062 1111 Page 1 of 1 | 2 |
SELF INSURED RETENTIONS COVERAGE D E AND F Named Insured Endorsement Number Goradia Capital LLC 21 Policy Symbol Policy Number Policy Period Effective Date of Endorsement G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Tnsert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGE D E AND F Itis agreed that Item 6. Self Insured Retention of the Declarations is deleted and replaced with Item 6. Self Insured Retention Coverage D E and F Coverage D 100000 Per Pollution Condition Coverage E Per Pollution Condition Coverage F Per Pollution Condition ition Al other terms and conditions of this policy remain unchanged. Authorized Representative PC26803 0409 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
NOTICE TO OTHERS ENDORSEMENT SCHEDULE NOTICE BY INSURED S REPRESENTATIVE Named Insured Goradia Capital LLC Endorsement Number Policy Symbol Policy Number G24922005 002 Policy Period 01012014 to 01012015 Effective Date of Endorsement 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information 1s o be completed only when this endorsement is issued subsequent o the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If we cancel this Policy prior to its expiration date by notice to you or the first Named insured for any reason other than nonpayment of premium we will endeavor as set out in this endorsement to send written notice of cancellation to the persons or organizations listed in the schedule that you or your representative create or maintain the Schedule by allowing your representative to send such notice to such persons or organizations. This notice will be in addition to our notice to you or the first Named Insured and any other party whom we are required to notify by statute and in accordance with the cancellation provisions of the Policy.. The notice referenced in this endorsement as provided by your representative is intended only to be a courtesy notification to the persons or organizations named in the Schedule in the event of a pending cancellation of coverage. We have no legal obligation of any kind to any such persons or organizations. The failure to provide advance notification of cancellation to the persons or organizations shown in the Schedule will impose no obligation or liability of any kind upon us our agents or representatives will not extend any Policy cancellation date and will not negate any cancellation of the Policy.. We are not responsible for verifying any information in any Schedule nor are we responsible for any incorrect information that you or your representative may use.. We will only be responsible for sending such notice to your representative and your representative will in turn send the notice to the persons or organizations listed in the Schedule at least 30 days prior to the cancellation date applicable to the Policy. You will cooperate with us in providing the Schedule or in causing your representative to provide the Schedule.. This endorsement does not apply in the event that you cancel the Policy. All other terms and conditions of this Policy remain unchanged. Authorized Representative ALL32686 0111 Page 1 of 1 | 2 |
ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION Named Insured Goradia Capital LLC Endorsement Number Policy Symbol Policy Number APC G24922005 002 Policy Period 01012014 to 01012015 Effective Date of Endorsement 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Tnsert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following ACE POLLUTION AND CASUALTY INSURANCE POLICY COVERAGES A B C AND G SCHEDULE Name of Additional Insured Persons or Organizations Bank of America N.A. as Administrative Agent.S.A.0.A. AT.LM.A. Bank of America Plaza Attn Monitoring and Compliance Mail Code TX1 492 14 06901 Main St. Dallas TX 75202 3714 Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omissions of those acting on your behalf A. In the performance of your ongoing operations or B. In connection with your premises owned by or rented to you. Al other terms and conditions of this policy remain unchanged. Authorized Representative PC26849 0409 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
POLICY NUMBER APC G24922005 002 ENDORSEMENT NUMBER 24 COMMERCIAL GENERAL LIABILITY CG 21730108 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added This insurance does not apply to TERRORISM Any injury or damage arising directly or indirect ly out of a certified act of terrorism. B. The following definitions are added 1. For the purposes of this endorsement any injury or damage means any injury or damage covered under any Coverage Part to which this endorsement is applicable and includes but is not limited to bodily injury property dam age personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part. 2. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act. The criteria con tained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following a. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terror ism Risk Insurance Act and b. The act is a violent act or an act that is dangerous to human life property or infra structure and is committed by an individual or individuals as part of an effort to coerce 2. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act. The criteria con tained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following a. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terror ism Risk Insurance Act and b. The act is a violent act or an act that is dangerous to human life property or infra structure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the con duct of the United States Government by coercion. CG 21730108 ISO Properties Inc. 2007 Page 1 of 1 o | 2 |
TRADE OR ECONOMIC SANCTIONS ENDORSEMENT Named Insured Endorsement Number Goradia Capital LLC 25 Policy Symbol Policy Number Policy Period Effective Date of Endorsement APC G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Tnsert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance including but not limited to the payment of claims. All other terms and conditions of policy remain unchanged. Authorized Agent ALL21101 1106 Ptd. in U.S.A. Page 1 of 1 | 2 |
SERVICE OF SUIT ENDORSEMENT Named Insured Endorsement Number Goradia Capital LLC Policy Symbol Policy Number Policy Period Effective Date of Endorsement G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Information about service of suits upon us is given below. Service of process of suits against us may be made upon the following person or another person we may designate Saverio Rocca Assistant General Counsel ACE USA Companies 436 Walnut Street Philadelphia PA 19106 3703 The person named above is authorized and directed to accept service of process on our behalf in any action suit or proceeding instituted against us. If you request we will give you a written promise that a general appearance will be entered on our behalf if a suit is brought. If you request we will submit to the jurisdiction of any court of competent jurisdiction. We will accept the final decision of that court or any Appellate Court in the event of an appeal. The law of some jurisdictions of the United States of America require that the Superintendent Commissioner or Director of Insurance or their successor in office be designated as our agent for service of process. In these jurisdictions we designate the Director of Insurance as our true and lawful attorney upon whom service of process on our behalf may be made. We also authorize the Director of Insurance to mail process received on our behalf to the company person named above. If you are a resident of Canada you may also serve suit upon us by serving the government official designated by the law of your province. NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY ALTER WAIVE OR EXTEND ANY OF THE TERMS CONDITIONS OR LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS ABOVE STATED. Authorized Agent XS1U9e 206 Readable THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Information about service of suits upon us is given below. Service of process of suits against us may be made upon the following person or another person we may designate Saverio Rocca Assistant General Counsel ACE USA Companies 436 Walnut Street Philadelphia PA 19106 3703 The person named above is authorized and directed to accept service of process on our behalf in any action suit or proceeding instituted against us. If you request we will give you a written promise that a general appearance will be entered on our behalf if a suit is brought. If you request we will submit to the jurisdiction of any court of competent jurisdiction. We will accept the final decision of that court or any Appellate Court in the event of an appeal. The law of some jurisdictions of the United States of America require that the Superintendent Commissioner or Director of Insurance or their successor in office be designated as our agent for service of process. In these jurisdictions we designate the Director of Insurance as our true and lawful attorney upon whom service of process on our behalf may be made. We also authorize the Director of Insurance to mail process received on our behalf to the company person named above. If you are a resident of Canada you may also serve suit upon us by serving the government official designated by the law of your province. NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY ALTER WAIVE OR EXTEND ANY OF THE TERMS CONDITIONS OR LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS ABOVE STATED. Authorized Agent THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Information about service of suits upon us is given below. Service of process of suits against us may be made upon the following person or another person we may designate Saverio Rocca Assistant General Counsel ACE USA Companies 436 Walnut Street Philadelphia PA 19106 3703 The person named above is authorized and directed to accept service of process on our behalf in any action suit or proceeding instituted against us. If you request we will give you a written promise that a general appearance will be entered on our behalf if a suit is brought. If you request we will submit to the jurisdiction of any court of competent jurisdiction. We will accept the final decision of that court or any Appellate Court in the event of an appeal. The law of some jurisdictions of the United States of America require that the Superintendent Commissioner or Director of Insurance or their successor in office be designated as our agent for service of process. In these jurisdictions we designate the Director of Insurance as our true and lawful attorney upon whom service of process on our behalf may be made. We also authorize the Director of Insurance to mail process received on our behalf to the company person named above. If you are a resident of Canada you may also serve suit upon us by serving the government official designated by the law of your province. nan nan nan nan 3703.0 NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY ALTER WAIVE OR EXTEND ANY OF THE TERMS CONDITIONS OR LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS ABOVE STATED. Authorized Agent | 2 |
SIGNATURE ENDORSEMENT Named Insured Endorsement Number Goradia Capital LLC 27 Policy Symbol Policy Number Policy Period Effective Date of Endorsement G24922005 002 01012014 to 01012015 01012014 Issued By Name of Insurance Company Illinois Union Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement s issued subsequent to the preparation of the policy. THE ONLY SIGNATURES APPLICABLE TO THIS POLICY ARE THOSE REPRESENTING THE COMPANY NAMED ON THE FIRST PAGE OF THE DECLARATIONS. By signing and delivering the policy to you we state that it is a valid contract when countersigned by our authorized representative. ILLINOIS UNION INSURANCE COMPANY A stock company 525 W. Monroe Street Suite 400 Chicago lllinois 60661 WESTCHESTER SURPLUS LINES INSURANCE COMPANY A stock company Royal Centre Two 11575 Great Oaks Way Suite 200 Alpharetta GA 30022 JOHN J. LUPICA. President L CARMINE A. GIGANTI Secretary Authorized Representative LD5S23i 1211 | 2 |
lllinois Union Insurance Company Insurance Company Goradia Capital LLC Policyholder APC G24922005 002 Policy Number Lockton Companies Broker Producer POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You were notified that under the Terrorism Risk Insurance Act as amended that you have the right to purchase insurance coverage for losses resulting from acts of terrorism as defined in Section 1021 of the Act The term act of terrorism means any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER SUCH POLICIES MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT COVERAGE SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 85 OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT AS AMENDED CONTAINS A 100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS LIABITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS 100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED 100 BILLION COVERAGE MAY BE REDUCED. You elected NOT to purchase terrorism coverage under the Act at the price indicated. ACCORDINGLY WE WILL NOT PROVIDE THIS COVERAGE AND YOU DO NOT OWE THE ADDITIONAL PREMIUM FOR THAT COVERAGE INDICATED BELOW. Terrorism coverage described by the Act under your policy was made available to you for additional premium in the amount of 19075 however you elected to decline such coverage. TRIA15 0108 lllinois Union Insurance Company Insurance Company Goradia Capital LLC Policyholder APC G24922005 002 Policy Number Lockton Companies Broker Producer POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE TRIA15 0108 | 2 |
ACE USA X llinois Union Insurance Company Westchester Surplus Lines Insurance Company Insured Goradia Capital LLC 16800 Imperial Valley Drive Suite 499 Houston TX 77060 Attached To Policy No. APC G24922005 002 Effective Date January 1 2014 TEXAS SURPLUS LINES NOTIFICATION THIS INSURANCE CONTRACT IS WITH AN INSURER NOT LICENSED TO TRANSACT INSURANCE IN THIS STATE AND IS ISSUED AND DELIVERED AS A SURPLUS LINE COVERAGE UNDER THE TEXAS INSURANCE STATUTES. THE TEXAS DEPARTMENT OF INSURANCE DOES NOT AUDIT THE FINANCES OR REVIEW THE SOLVENCY OF THE SURPLUS LINES INSURER PROVIDING THIS COVERAGE AND THIS INSURER IS NOT A MEMBER OF THE PROPERTY AND CASUALTY INSURANCE GUARANTY ASSOCIATION CREATED UNDER CHAPTER 462 INSURANCE CODE. CHAPTER 225 INSURANCE CODE REQUIRES PAYMENT OF 4.85 PERCENT TAX ON GROSS PREMIUM. NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY ALTER WAIVE OR EXTEND ANY OF THE TERMS CONDITIONS OR LIMITATIONS OF THE POLICY TO WHICH THIS NOTICE IS ATTACHED OTHER THAN AS STATED ABOVE. SL17905 Ed. 0409 Page 1 of 1 | 2 |
ACE USA ACE USA Phone 1.866.357.3797 Risk Control Services Fax 215.640.5084 436 Walnut Street www.aceina.com Philadelphia PA 19106 3703 National Manager Juri Phone 1.866.357.3797 Fax 215.640.5084 www.aceina.com RE RISK CONTROL SERVICES FOR TEXAS POLICYHOLDERS Commercial Automobile Liability General Liability Professional Liability and Medical Professional Liability other than Hospitals The ACE Companies are required by Texas law and regulations to maintain or provide accident prevention services for its commercial automobile general liability and professional liability policyholders. The Ace Companies offer an array of accident prevention services in Texas at no additional charge. These services are intended to help prevent andor minimize loss. These services include but are not limited to individual risk surveys improvement recommendations loss investigation specific loss problem identification and recommended improvement actions. ACE may recommend one or more of these services based upon hazard experience and size of your Texas operations. You have the choice of receiving or declining any of the services offered. If you wish to decline all of the services or wish to receive only selected risk control service please indicate that by signing and dating this letter in the space provided below. Please mail or fax to the captioned address or fax number. If you decline all of ACE s risk control services or choose only a support service such as ergonomics survey driving training or other services and not a complete risk survey we still have a responsibility under Texas law and regulation to monitor your losses. In the event you start to have a loss problem and a trend is established andor adverse loss ratio is developed we will contact you and offer to assist you in addressing the situation. Sincerely National Manager Jurisdictional Regulatory Services AGE USA Risk Control Services 436 Walnut Street Philadelphia PA 19105 1000 o call toll free at 1 866 357 3797 am aware of the loss control services offered and decline them. have made other arrangements for these services. I wish to obtain the following offered accident prevention services I have no risk control services needs now. reserve the right to request loss control services within the period. Signature Print Name Phone Policy Date Company Name Address City State Zip One of the ACE Group of Insurance Reinsurance Companies This Company has undertaken a survey of your premises equipment or operations whichever is pertinent to the type of insurance applied for or provided for the purpose of supporting the functions of risk underwriting. Any recommendations or information provided is not intended as a substitute for advice from a safety expert or legal counsel you may retain for your own purposes. It is not intended to supplant any legal duty you may have to provide a safe premises workplace product or operation. ALL11559d 1007 | 2 |
ace group Information and Complaints This information is being provided to you pursuant to the requirements of Title 28 Part 1 Chapter 1 Subchapter E. 1.601 of the Texas Administrative Code relating to our Toll Free information and complaint number. IMPORTANT NOTICE To obtain information or make a complaint You may call the Company s toll free telephone number for information or to make a complaint at 1800 352 4462 You may also write to the Company at ACE USA Customer Services PO Box 1000 Philadelphia PA 19106 3703 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at AVISO IMPORTANTE Para obtener informacion o para someter una queja Usted puede llamar al numero de telefono gratis de la Compania para informacion o para someter una queja al 1 800 352 4462 Usted tambien puede escribir a la Compania ACE USA Customer Services PO Box 1000 Philadelphia PA 19106 3703 Puede communicarse con el Departmento de Seguros de Texas para obtener informacion acerca de companias coberturas derechos o quejas al 1800 252 3439 Puede escribir al Departamento de Seguros de Texas P.O. Box 149104 AUSTIN TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.u DISPUTAS SOBRE PRIMAS O RECLAMOS Si tiene una disputa concerniente a su prima o un reclamo debe comunicarse con el agente o la compania primero. Si no se resuelve la disputa puede entonces communicarse con el departmento de Seguros en Texas UNA ESTE AVISO A SU POLIZA Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. 1800 252 3439 You may write the Texas Department of Insurance P. O. Box 149104 AUSTIN TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.u PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact your agent or the company first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. ALL4Y30d 102009 | 2 |
IL P 0010104 U. S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice 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 coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control OFAC administers and enforces sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous 1 Foreign agents 1 Front organizations 1 Terrorists 1 Terrorist organizations and 1 Narcotics traffickers as Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpwww.treas.gov ofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. 1SO Properties Inc. 2004 IL P 0010104 | 2 |
ACE Producer Compensation Practices Policies ACE believes that policyholders should have access to information about ACE s practices and policies related to the payment of compensation to brokers and independent agents. You can obtain that information by accessing our website athttpwww.aceproducercompensation.com or by calling the following toll free telephone number 1 866 512 2862. ALL20887 1006 | 2 |
BROKER Lockton Companies LLC HNI Corporation POLICY NUMBER 41GPP1010201 PREMISES POLICY PERIOD 07012019 to 07012020 rA Insurance YAICh Company a member of Arch Insurance Group | 2 |
U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice 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 coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control OFAC administers and enforces sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous Foreign agents Front organizations Terrorists Terrorist organizations and Narcotics traffickers as Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpwww.treas.gov ofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. Includes copyright material of Insurance Services Office Inc. with its permission. Page 1 of 1 00 ML0065 00 06 07 | 2 |
2 Arch Insurance Group Signature Page IN WITNESS WHEREOF Arch Insurance Company has caused this policy to be executed and attested. Dot g Patrick K. Nails Secretary CLW John Mentz President Page 1 of 1 05 ML0002 00 12 14 | 2 |
Policy Number 41GPP1010201 COMMON POLICY DECLARATIONS ARCH INSURANCE COMPANY Named Insured HNI CORPORATION Effective Date 07 01 19 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 00272 Item1. Named Insured and Mailing Address Agent Name and Address HNI CORPORATION LOCKTON COMPANIES LLC 600 EAST SECOND STREET 444 W 47TH STREET MUSCATINE IA 52761 SUITE 900 KANSAS CITY MO 64112 AgentNo.00272 Item2. Policy Period From 07 01 2019 To 07 01 2020 at 1201 A.M. Standard Time at your mailing address shown above. Item 3. Business Description FURNITURE MANUFACTURER Form of Business CORPORATION Item4. 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. This policy consists of the following coverage parts for which a premium is indicated. Where no premium is shown there is no coverage. This premium may be subject to adjustment. Coverage Parts Premium Commercial Property Coverage Part NOT COVERED Commercial General Liability Coverage Part 48183.00 Commercial Crime Coverage Part NOT COVERED Commercial Inland Marine Coverage Part NOT COVERED Commercial Auto Business or Truckers Coverage Part NOT COVERED Commercial Garage Coverage Part NOT COVERED Total Policy Premium 48183.00 Item 5. Forms and Endorsements Formss and Endorsements made a part of this policy at time of issue See Schedule of Forms and Endorsements Countersigned Date 08 06 19 By Authorized Representative COMMON POLICY DECLARATION ARCH INSURANCE COMPAN lamed Insured HNI CORPORATION 41GPP1010201 ION POLICY DECLARATIONS SURANCE COMPANY Effective Date 07 01 19 1201 A.M. Standard Time 00 EAST SECOND STREET USCATINE IA 52761 REET 0 64112 THIS COMMON POLICY DECLARATION AND THE SUPPLEMENTAL DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PARTS COVERAGE FORMS AND FORMS AND ENDORSEMENTS IF ANY COMPLETE THE ABOVE NUMBERED POLICY. FAIC SKLBUS CPD 601 | 2 |
Policy Number 41GPP1010201 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY Named Insured HNI CORPORATION Effective Date 07 01 19 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 00272 COMMON POLICY FORMS AND ENDORSEMENTS 00 ML0065 00 06 07 U.S. TREASURY DEPARTMENT S OFFICE 05 ML0002 00 12 14 ARCH INSURANCE GROUP SIGNATURE PAGE FAIC SKLBUS CPD 06 01 COMMON POLICY DECLARATIONS FAIC SKLBUS FE 06 01 SCHEDULE OF FORMS AND ENDORSEMENTS IL 11 98 COMMON POLICY CONDITIONS IL 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 07 02 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 09 08 MINNESOTA CHANGES CANC NONRENL IL 07 02 PENNSYLVANIA NOTICE IL 01 15 DISCLOSURE PURSUANT TERROR RISK INS ACT 00 ML0087 00 11 10 NOTICE OF CANC SPECIFIED DAYS GENERAL LIABILITY FORMS AND ENDORSEMENTS FAIC SKLBUS CGLDEC 06 01 COMM GENERAL LIABILITY COVERAGE SUPP DEC GL0819 33 04 19 NY SILICA OR SILICA RELATED DUST EXCLU GL0045 12 03 GENERAL LIABILITY ASBESTOS EXCLUSION GLO0173 04 04 LEAD CONTAMINATION EXCLUSION GL0356 10 11 CGL DEDUCTIBLE ENDORSEMENT GL0469 06 08 AMENDED DUTIES IN THE EVENT OF GL0474 06 08 ANTI STACKING ENDORSEMENT GL0477 06 08 PREMIUM COMPUTATION ENDORSEMENT GL0480 06 14 BROAD FORM NAMED INSURED ENDORSEMENT GL0588 04 10 BODILY INJURY DEFINITION EXTENSION ENDT GL0590 04 10 FELLOW EMPLOYEE COVERAGE ENDORSEMENT 04 10 INCIDENTAL MED MALPRACTICE LIAB COV ENDT 04 10 WHEN WE DO NOT RENEW EXTENDED NOTICE END 04 10 BI OR PD EXPECTED OR INTENDED END 04 10 NON OWNED WATERCRAFT EXTENSION END 04 10 DESIGNATED LOCATION S GENERAL AGGREGATE 12 04 MN CHANGES DUTIES CONDITION 04 13 COMMERCIAL GENERAL LIABILITY COV FORM 12 07 MN CHANGES CONT LIAB EXCL SUPP PAYMENT 10 93 EARLIER NOTICE OF CANC PROVIDED BY US 12 07 EMPLOYEE BENEFITS LIABILITY COVERAGE 04 13 PRIMARY AND NONCONTRIBUTORY OTHER INSD 04 13 ADDL INSD OWNERS LESSEES CONTRACTORS 04 13 ADDL INSD VENDORS 04 13 ADDL INSD DESIGNATED PERSON ORGANIZATION 04 13 ADDL INSD GRANTOR OF LICENSES 11 85 EXCL PRODUCTS COMPLETED OPER HAZARD 05 14 EXCL ACC DISCL OF CONFI OR PERSONAL INFO 12 07 EMPLOYMENT RELATED PRACTICES EXCLUSION 09 99 TOTAL POLLUTION EXCL. WITH HOSTILE FIRE 12 04 FUNGI OR BACTERIA EXCLUSION FAIC SKLBUS FE 601 41GPP1010201 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY amed Insured HNI CORPORATION Effective Date 07 01 1 1201 A.M. Standard Time REASURY DEPARTMENT S OFFICE ISURANCE GROUP SIGNATURE PAGE POLICY DECLARATIONS JE OF FORMS AND ENDORSEMENTS 00 00 JS CPD JS FE 00 JS CGLDEC 33 00 00 00 00 00 00 00 00 00 00 00 00 00 00 T | 2 |
Policy Number 41GPP1010201 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY Named Insured HNI CORPORATION Effective Date 07 01 19 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 00272 CAP LOSSES FROM CERTIF ACTS OF TERRORISM SILICA OR SILICA RELATED DUST EXCLUSION EXCL BODILY INJURY TO RAILROAD PASSENGER LIMITED CONTR LIABILITY COV FOR PERS ADV WAIVER OF TRANSFER RIGHTS OF RECOVERY LIQUOR LIABILITY MINNESOTA CHANGES FAIC SKLBUS FE 601 41GPP1010201 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY amed Insured HNI CORPORATION Effective Date 07 01 1 1201 A.M. Standard Time 03 05 11 85 10 01 05 09 10 93 02 07 SILICA OR SILICA RELATED DUST EXCLUSION EXCL BODILY INJURY TO RAILROAD PASSENGEEL LIMITED CONTR LIABILITY COV FOR PERS AD WAIVER OF TRANSFER RIGHTS OF RECOVERY LIQUOR LIABILITY MINNESOTA CHANGES | 2 |
IL 0017 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and. Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele vators. Premiums The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Wil be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelofl O IL 0017 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent 2 ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into 3 fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured o The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. ISO Properties Inc. 2007 Page 1 of 2 m IL 00 21 09 08 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. d Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL 00 23 07 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent 2 ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into 3 fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured o The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product material. ISO Properties Inc. 2001 Page 1 of 2 m IL 00 23 07 02 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the process ing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2001 IL 00 23 07 02 o | 2 |
IL 02 45 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART When this endorsement is attached to the Stan dard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy.. The following provisions apply except when Para graph C. of this endorsement applies The Cancellation Common Policy Condition is re placed by the following CANCELLATION 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliv ering to us advance written notice of cancella tion. 2. We may cancel this policy subject to the provi sions of Paragraph B.3. below by first class mailing or by delivery of a written notice of cancellation to the first Named Insured and any agent to their last mailing addresses known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 3. Policies In Effect a. Less Than 90 Days If this policy is a new policy and has been in effect for fewer than 90 days we may cancel for any reason by giving notice at least 1 10 days before the effective date of cancellation if we cancel for nonpay ment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. b. 90 Days Or More If this policy has been in effect for 90 days or more or if it is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Misrepresentation or fraud made by you or with your knowledge in obtaining the policy or in pursuing a claim under the policy An act or omission by you that substan tially increases or changes the risk in sured Refusal by you to eliminate known con ditions that increase the potential for loss after notification by us that the con dition must be removed 3 4 5 Substantial change in the risk assumed except to the extent that we should rea sonably have foreseen the change or contemplated the risk in writing the con tract ISO Properties Inc. 2007 Page 1 of 3 m IL 02 45 09 08 | 2 |
6 Loss of reinsurance by us which pro vided coverage to us for a significant amount of the underlying risk insured. Any notice of cancellation pursuant to this item shall advise the policyholder that he or she has 10 days from the date of receipt of the notice to appeal the cancellation to the commissioner of commerce and that the commissioner will render a decision as to whether the cancellation is justified because of the loss of reinsurance within 30 business days after receipt of the appeal 7 A determination by the commissioner that the continuation of the policy could place us in violation of the Minnesota in surance laws or Nonpayment of dues to an association or organization other than an insurance association or organization where pay ment of dues is a prerequisite to obtain ing or continuing such insurance. This provision for cancellation for failure to pay dues shall not be applicable to per sons who are retired at 62 years of age or older or who are disabled according to social security standards. Under this Item B.3.b. we will give notice at least 1 10 days before the effective date of cancellation if we cancel for nonpay ment of premium. The cancellation no tice shall contain the information regard ing the amount of premium due and the due date and shall state the effect of nonpayment by the due date. Cancella tion shall not be effective if payment of the amount due is made prior to the ef fective date of cancellation or 60 days before the effective date if we cancel for a reason described in Para graphs B.3.b.2 through 8 above. The notice of cancellation will state the rea son for cancellation. 4. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 5. Proof of mailing of any notice shall be sufficient proof of notice. 8 2 C. The following applies with respect to coverage provided under the following FARM COVERAGE PART 1. Policies In Effect 60 Days Or More a. If this Coverage Part covers buildings used for residential purposes and has been 1 In effect for at least 60 days or 2 Renewed by us Paragraphs A.2. and A.6. of the Cancella tion Common Policy Condition do not ap ply and the following is added to the Can cellation Common Policy Condition b. We may not cancel this policy except for 1 Nonpayment of premium 2 Misrepresentation or fraud made by you or with your knowledge a In obtaining this policy or b In connection with a claim under this policy 3 An act or omission by you that materially increases the risk we originally accepted or 4 A physical change in the Covered Prop erty which a Is not corrected or restored within a reasonable time after it occurs and b Results in the property becoming uninsurable. c. We may cancel this policy by giving the first Named Insured written notice of cancella tion at least 1 20 days before the effective date of cancellation if we cancel for nonpay ment of premium or 2 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs C.1.b.2 through 4. Such notice will be mailed or delivered to the first Named Insured and will contain the reason for cancellation. Proof of mailing of any notice shall be sufficient proof of no tice. Page 2 of 3 ISO Properties Inc. 2007 IL 02 45 09 08 o | 2 |
2. Policies In Effect Less Than 60 Days When this Coverage Part covers buildings used for residential purposes and is a new pol icy which has been in effect fewer than 60 days cancellation is subject to the terms of the Cancellation Common Policy Condition except for Paragraphs A.2. and A.6. and is not sub ject to Paragraph B. or Paragraph C.1. of this endorsement. Under this Item C.2. Para graphs A.2. and A.6. of the Cancellation Com mon Policy Condition are replaced by the fol lowing We may cancel this policy by giving the first Named Insured written notice of cancellation at least 20 days before the effective date of can cellation. Such notice will be mailed or deliv ered to the first Named Insured. Proof of mail ing of any notice shall be sufficient proof of notice. If we cancel this policy for underwriting con siderations we will inform you of the source from which the information was received. D. The following is added and supersedes any provi sions to the contrary NONRENEWAL If we decide not to renew this policy we may do so by giving the first Named Insured and any agent written notice of our intent not to renew at least 60 days before the expiration date of this pol icy. Such notice will be delivered or mailed by first class mail to their last mailing addresses known to us. Proof of mailing of any notice shall be sufficient proof of notice. We need not mail or deliver this notice if you have 1. Insured elsewhere 2. Accepted replacement coverage or 3. Agreed not to renew this policy. ISO Properties Inc. 2007 Page 3 of 3 m IL 02 45 09 08 | 2 |
IL 09 10 07 02 PENNSYLVANIANOTICE An Insurance Company its agents employees or service contractors acting on its behalf may provide services to reduce the likelihood of injury death or loss. These services may include any of the following or related services incident to the application for issuance renewal or continuation of a policy of in surance 1. Surveys 2. Consultation or advice or 3. Inspections. The Insurance Consultation Services Exemption Act of Pennsylvania provides that the Insurance Com pany its agents employees or service contractors acting on its behalf is not liable for damages from injury death or loss occurring as a result of any act or omission by any person in the furnishing of or the failure to furnish these services. The Act does not apply 1. If the injury death or loss occurred during the actual performance of the services and was caused by the negligence of the Insurance Com pany its agents employees or service contractors. To consultation services required to be performed under a written service contract not related to a policy of insurance or. If any acts or omissions of the Insurance Com pany its agents employees or service contractors are judicially determined to constitute a crime ac tual malice or gross negligence. Instruction to Policy Writers Attach the Pennsylvania Notice to all new and renewal certificates insuring risks located in Pennsylvania. ISO Properties Inc. 2001 Page 1 of 1 m IL 09 10 07 02 | 2 |
POLICY NUMBER 41GPP1010201 POLICY NUMBER 41GPP1010201 IL 09 850115 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE PART Terrorism Premium Certified Acts 1000 This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies GENERAL LIABILITY PREMISES Additional information if any concerning the terrorism premium SCHEDULE PART Il Federal share of terrorism losses 81 Year20 19 Refer to Paragraph B. in this endorsement. Federal share of terrorism losses 80 Year20 20 Refer to Paragraph B. in this endorsement. Information required to complete this Schedule if not shown above will be shown in the Declarations. ENERAL LIABILITY PREMISES dditional information if any concerning the terrorism premium Year20 19 Year20 20 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. Insurance Services Office Inc. 2015 Page 1 of 2 IL 09 850115 | 2 |
B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage as shown in Part Il of the Schedule of this endorsement or in the policy Declarations of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Page 2 of 2 Insurance Services Office Inc. 2015 IL09850115 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION CERTIFIC ATE HOLDERS SPECIFIED DAYS The persons or organizations listed or described in the Schedule below have requested that they receive written notice of cancellation when this policy is cancelled by us. We will mail or deliver to the Persons or Organizations listed or described in the Schedule a copy of the written notice of cancellation that we sent to you. If possible such copies of the notice will be mailed at least 30 days except for cancellation for non payment of premium which will be mailed 10 days prior to the effective date of the cancellation to the address or addresses of certificate holders as provided by your broker or agent. Schedule Persons or Organizations including mailing address Al certificate holders where written notice of the cancellation of this policy is required by written contract permit or agreement with the Named Insured and whose names and addresses will be provided by the broker or agent listed in the Declarations Page of this policy for the purposes of complying with such request. This notification of cancellation of the policy is intended as a courtesy only. Our failure to provide such notification to the persons or organizations shown in the Schedule will not extend any policy cancellation date nor impact or negate any cancellation of the policy. This endorsement does not entitle the persons or organizations listed or described in the Schedule above to any benefit rights or protection under this policy. Any provision of this endorsement that is in conflict with a statute or rule is hereby amended to conform to that statute or rule. All other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 Page 1 of 1 00 ML0087 00 11 10 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION CERTIFIC ATE HOLDERS SPECIFIED DAYS The persons or organizations listed or described in the Schedule below have requested that they receive written notice of cancellation when this policy is cancelled by us. We will mail or deliver to the Persons or Organizations listed or described in the Schedule a copy of the written notice of cancellation that we sent to you. If possible such copies of the notice will be mailed at least 30 days except for cancellation for non payment of premium which will be mailed 10 days prior to the effective date of the cancellation to the address or addresses of certificate holders as provided by your broker or agent. Schedule Persons or Organizations including mailing address CHOATE CONSTRUCTION 8200 ROBERTS DRIVE SUITE 600 ATLANTA GA 30350 Al certificate holders where written notice of the cancellation of this policy is required by written contract permit or agreement with the Named Insured and whose names and addresses will be provided by the broker or agent listed in the Declarations Page of this policy for the purposes of complying with such request. This notification of cancellation of the policy is intended as a courtesy only. Our failure to provide such notification to the persons or organizations shown in the Schedule will not extend any policy cancellation date nor impact or negate any cancellation of the policy. This endorsement does not entitle the persons or organizations listed or described in the Schedule above to any benefit rights or protection under this policy. Any provision of this endorsement that is in conflict with a statute or rule is hereby amended to conform to that statute or rule. All other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 Page 1 of 1 00 ML0087 00 11 10 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION CERTIFIC ATE HOLDERS SPECIFIED DAYS The persons or organizations listed or described in the Schedule below have requested that they receive written notice of cancellation when this policy is cancelled by us. We will mail or deliver to the Persons or Organizations listed or described in the Schedule a copy of the written notice of cancellation that we sent to you. If possible such copies of the notice will be mailed at least 30 days except for cancellation for non payment of premium which will be mailed 10 days prior to the effective date of the cancellation to the address or addresses of certificate holders as provided by your broker or agent. Schedule Persons or Organizations including mailing address BEAZER HOMES USA INC. ITS SUBSIDIARIES OFFICERS DIRECTORS AGENTS EMPLOYEES PO BOX 313 MARBLE HILL GA 30148 Al certificate holders where written notice of the cancellation of this policy is required by written contract permit or agreement with the Named Insured and whose names and addresses will be provided by the broker or agent listed in the Declarations Page of this policy for the purposes of complying with such request. This notification of cancellation of the policy is intended as a courtesy only. Our failure to provide such notification to the persons or organizations shown in the Schedule will not extend any policy cancellation date nor impact or negate any cancellation of the policy. This endorsement does not entitle the persons or organizations listed or described in the Schedule above to any benefit rights or protection under this policy. Any provision of this endorsement that is in conflict with a statute or rule is hereby amended to conform to that statute or rule. All other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 Page 1 of 1 00 ML0087 00 11 10 | 2 |
Policy Number 41GPP1010201 COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL DECLARATIONS ARCH INSURANCE COMPANY Named Insured HNI CORPORATION Effective Date 07 01 19 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 00272 Item 1. Business Description FURNITURE MANUFACTURER Item 2. Limits of Insurance Coverage Limit of Liability Aggregate Limits of Liability Products Completed NOT COVERED Operations Aggregate General Aggregate other than 2000000 Products Completed Operations Coverage A Bodily Injury and Property any one occurrence subject to Damage Liability the Products Completed Operations and General 1000000 Aggregate Limits of Liability any one premises subject to the Coverage A occurrence and the Damage To Premises General Aggregate Limits of Rented To You 1000000 Liability Coverage B Personal and any one person or organization Advertising Injury subject to the General Aggregate Liability 1000000 Limits of Liability Coverage C Medical Payments any one person subject to the Coverage A occurrence and the General Aggregate Limits of 5000 Liability Item 3. Retroactive Date Coverage A of this Insurance does not apply to bodily injury or property damage which occurs before the Retroactive Date if any shown here Enter Date or None if no Retroactive Date applies Item 4. Form of Business and Location of Premises Forms of Business CORPORATION Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 5. 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 48183.00 Other Premium Total Premium 48183.00 41GPP1010201 COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL DECLARATIONS ARCH INSURANCE COMPANY amed Insured HNI CORPORATION Effective Date 07 01 1 1201 A.M. Standard Time NOT COVERED pleted jregate jate other than 1000000 Damage To Premises THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD. FAIC SKLBUS CGLDEC 601 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK SILICA OR SILICA RELATED DUST 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 Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Silica Or Silica Related Dust b. Bodily injury arising in whole or in part out of the harmful and deleterious health effects associated with the actual alleged threatened or suspected inhalation of or ingestion of silica or silica related dust. Property damage arising in whole or in part out of the actual alleged threatened or suspected contact with exposure to existence of or presence of silica or silica related dust. Any loss cost or expense arising in whole or in part 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 silica or silica related dust by any insured or by any other person or entity. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Lial 2. Exclusions This insurance does not apply to Silica Or Silica Related Dust Personal and advertising injury arising in whole or in part out of the harmful and deleterious health effects associated with the actual alleged threatened or suspected inhalation of ingestion of contact with exposure to existence of or presence of silica or silica related dust. Any loss cost or expense arising in whole or in part 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 silica or silica related dust by any insured or by any other person or entity. C. The following definitions are added to the Definitions Section 1. Silica means silicon dioxide occurring in crystalline amorphous and impure forms silica particles silica dust or silica compounds. 00 GL0819 33 04 19 Page 1 0of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission 2019 Arch Insurance Group Inc. | 2 |
2. Silica related dust means a mixture or combination of silica and other dust or particles. Al other terms and conditions of this Policy remain unchanged. Endorsement Number This endorsement is effective on the inception date of this policy unless otherwise stated herein. The information below is required only when this endorsement is issued subsequent to preparation of the policy. Policy Number 41GPP1010201 Named Insured HNT CORPORATION Endorsement Effective Date 07012019 00 GL0819 33 04 19 Includes copyrighted material of Insurance Services Office Inc. with its permission 2019 Arch Insurance Group Inc. Page 2 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY ASBESTOS EXCLUSION This policy does not apply to Any claim suit demand or loss that alleges bodily injury property damage or personal and advertising injury including but not limited to compliance with any request demand order or statutory or regulatory requirement or any other action authorized or required by law including any costs fees expenses penalties judgments fines or sanctions arising there from which arises out of or would not have occurred in whole or in part but for the asbestos hazard. As used in this exclusion asbestos hazard means 1 actual alleged or threatened exposure to asbestos in any manner or form whatsoever either directly or indirectly or 2 the failure to warn advise or instruct related to asbestos in any manner or form whatsoever or 3 the failure to prevent exposure to asbestos in any manner or form whatsoever or 4 the presence of asbestos in any place whatsoever whether or not within a building or structure. 2 3 4 Al other terms and conditions of this Policy remain unchanged. Endorsement Number This endorsement is effective on the inception date of this policy unless otherwise stated herein. The information below is required only when this endorsement is issued subsequent to preparation of the policy. Policy Number 41GPP1010201 Named Insured HNI CORPORATION Endorsement Effective Date 00 GL0045 00 12 03 Page 10f 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LEAD CONTAMINATION EXCLUSION This insurance does not apply to and we will not have the duty to investigate or defend any suit brought against you or pay any costs or expenses of such investigation and defense for liability claims damage or loss arising out of the ingestion inhalation or absorption of lead in any form. Al other terms and conditions of this policy remain unchanged. This endorsement is effective on the inception date of this policy unless otherwise stated herein. The information below is required only when this endorsement is issued subsequent to preparation of the policy. Policy Number 41GPP1010201 Named Insured HNI CORPORATION Endorsement Effective Date 07 01 19 00 GL0173 00 04 04 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY DEDUCTIBLE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS AND COMPLETED OPERATIONS LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM PROFESSIONAL LIABILITY COVERAGE FORM Schedule An Xin the table below indicates how a Deductibles applies to your policy or coverage form Indicate below Coverage Deductible Amount Each Occurrence Per Claim Bodily Injury Liability and Property Damage Liability Bodily Injury Liability and 250000 Property Damage Liability Other than Products Completed Operations Bodily Injury Liability and Property Damage Liability Products Completed Operations Personal and Advertising Each Person or Organization Injury Employee Benefits 250000 Each Employee Liability Liquor Liability Per Per Claim Common Cause Other Other Deductible Aggregate Medical Payments Included X Excluded A DEDUCTIBLE Our obligation to pay damages costs benefits or medical payments subject to the Limit of Insurance as shown in the Declarations will be reduced by the Deductible shown in the Schedule. Our Limit of Insurance includes and is not in addition to the Deductible. This deductible can not be satisfied by the payment of any other deductible as required by any other insurance issued by us or any other carrier that may also apply to our obligation to pay damages costs benefits or medical payments. 00 GL0356 00 10 11 Page 10f 3 | 2 |
DEDUCTIBLE AGGREGATE this provision applies only if an amount is shown as the Deductible Aggregate in the Schedule Subject to the applicable Limit of Insurance and related policy provisions we will pay for all damages costs benefits or medical payments payable under the policy without reduction by the Deductible when as a result of the application of the Deductibles to damages costs benefits or medical payments payable under the policy the sum of all Deductibles paid by you exceeds the amount shown in the Schedule as the Deductible Aggregate. If the policy period is longer than one year the Deductible Aggregate amount applies separately to each policy year. Each policy year begins with the inception or anniversary date of the policy and ends at the earlier of the next anniversary date or the expiration of the policy. The Deductible Aggregate amount shown above is not subject to adjustment unless a basis of adjustment is shown below. The Deductible Aggregate is adjustable at the rate of per however the minimum amount of the aggregate deductible will be no less than the Deductible Aggregate amount shown above. The adjustment basis is and is estimated at the inception of this policy as the amount of If any payments are made by us under this policy for damages or Allocated Loss Adjustment Expenses the Deductibles shown in this endorsement applies regardless of whether any other policies issued by us or any other carrier also apply. ALLOCATED LOSS ADJUSTMENT EXPENSES You must reimburse us for Allocated Loss Adjustment Expenses incurred by us as part of Supplementary Payments in defending a claim or suit as indicated by one of the options below 1. Option Allocated Loss Adjustment Expenses Are Included In The Deductible Shown In The Schedule. Your total reimbursement for damages costs benefits medical payments and Allocated Loss Adjustment Expenses combined shall not exceed the Deductible shown in the Schedule. 2. Option Il Allo cated Loss Adjustment Expenses Are Payable In Addition To The Deductible Shown In The Schedule On A Shared Basis. The portion of Allocated Loss Adjustment Expenses that you must pay will be calculated by dividing the smaller of a the Deductible shown in the Schedule or b the damages costs benefits and medical payments we pay by c the damages costs benefits and medical payments we pay. If we pay no damages costs benefits and medical payment you must reimburse us for all Allocated Loss Adjustment Expenses up to the Deductible shown in the Schedule and if no amount is shown 50 will apply of all remaining Allocated Loss Adjustment Expenses. Your combined reimbursement for damages costs benefits medical payments and Allocated Loss Adjustment Expenses under this option may exceed the Deductible shown in the Schedule. 3. Option Il Allocated Loss Adjustment Expenses Are Payable In Addition To The Deductible Shown In The Schedule And Are Your Full Responsibility. You must pay all Allocated Loss Adjustment Expenses attributed to all damages costs benefits and medical payments paid by us. Your total reimbursement for damages costs benefits medical payments and Allocated Loss Adjustment Expenses under this option may exceed the Deductible shown in the Schedule. and is estimated at the inception of this policy as the 00 GL0356 00 10 11 Page 20f 3 | 2 |
4. Option IV Allocated Loss Adjustment Expenses Are Payable By Us. We will pay all Allocated Loss Adjustment Expenses attributed to all damages costs benefits and medical payments paid by us. Your obligation to reimburse us for Allocated Loss Adjustment Expense applies separately to each occurrence claim employee common cause or person or organization. Allocated Loss Adjustment Expenses means such claim adjustment expenses directly allocated by us to a particular claim. Such expenses shall include but not be limited to attorney s fees for claims in suit court costs pre and post judgment interest undercover operatives and detective services employing experts medical examination medical cost containment expenses laboratory x ray and autopsy stenographic witnesses summons and copies of documents and transcripts or expenses reasonably chargeable to the investigation negotiation settlement or defense of any claim or suit against you or for the protection and perfection of your or our subrogation rights. Allocated Loss Adjustment Expenses does not include our general overhead the salary and benefits of any our employees nor the fees of any attorney who is our employee or under our permanent retainer nor the fees of any attorney we retain to provide counsel to us about our obligations if any under any policy issued by us with respect to a claim or suit against you. D. OURRIGHT TO REIMBURSEMENT When we pay all or any part of any Deductible shown in the Schedule you must promptly reimburse us for a the Deductible or the part of the Deductible paid by us and b all Allocated Loss Adjustment Expenses incurred by us in defending a claim or suit according to the option selected in Section C. above. If we require collateral or other security to secure the Deductible and other obligations under this Commercial General Liability Deductible Endorsement you shall provide such collateral or other security in an amount and form as we may determine. Upon notification of payment by us you will promptly reimburse us for any such amounts that we have paid. If you fail to reimburse us or fail to provide us with any security or collateral in an amount or form as we may require we may treat such failure as non payment of premium and we may at our option cancel this policy by mailing or delivering to you advance written notice in accordance with the CANCELLATION Common Policy Condition. Any resulting return premium may be applied to the reimbursement amounts due. We may mutually agree upon a final payment amount to satisfy your present and future payment obligations under this Commercial General Liability Deductible Endorsement. Payment by you of such amount will end your obligations to make payments to us under this endorsement. Al other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 00 GL0356 00 10 11 Page 30f 3 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDED DUTIES IN THE EVENT OF OCCURRENCE CLAIM OR SUIT AND REPRESENTATIONS CONDITIONS ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM 1. Under SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Condition 2. Duties in the Event of Occurrence Claim or Suitis amended by the addition of the following paragraphs e. It is agreed that where you report an occurrence to an insurer providing other than Commercial General Liability insurance which later develops into a General Liability claim covered under this policy failure to report such occurrence to us at the time of the occurrence shall not be deemed in violation of these conditions. However you shall give immediate notification of the occurrenceto us as soon as it is reasonably possible that the occurrence is a General Liability claim. f. It is agreed that knowledge of an occurrence by any of your agents servants or employees shall not constitute knowledge by you unless one of your executive officers or anyone responsible for administering your insurance program has received such notice from the agent servant or employee. If Employee Benefits Liability Coverage applies to this policy the following shall apply Under SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONSas amended by the Employee Benefits Liability Coverage Condition 2. Duties In The Event Of An Act Error Or Omission Claim or Suitis amended by the addition of the following paragraphs f. It is agreed that where you report an act error or omission to an insurer providing other than Commercial General Liability insurance which later develops into a General Liability claim covered under this policy failure to report such act error or omission to us at the time of the act error or omission shall not be deemed in violation of these conditions. However you shall give immediate notification of the act error or omission to us as soon as it is reasonably possible that the act error or omission is a General Liability claim. g. It is agreed that knowledge of an act error or omission by any of your agents servants or employees shall not constitute knowledge by you unless one of your executive officers or anyone responsible for administering your insurance program has received such notice from the agent servant or employee. Under SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Condition 6. Representations is amended by the addition of the following paragraph d. Your failure to disclose all hazards existing as of the inception date of the policy shall not prejudice you with respect to the coverage afforded by this policy provided such failure or omission is not intentional or grossly negligent. 00 GL0469 00 06 08 Page 10of 2 | 2 |
Al other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 00 GL0469 00 06 08 Page 2 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ANTI STACKING ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE LIQUOR LIABILITY COVERAGE FORM STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT Under SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS and SECTION IV LIQUOR LIABILITY CONDITIONS the following condition is added Two Or More Coverage Forms Or Policies Issued By Us If any occurrence or offense covered under this policy is also covered in whole or in part under any other coverage form or policy issued to you by us or by any of our related or affiliated companies including but not limited to prior policies issued to you by us or by any of our related or affiliated companies the most that will be paid under all such coverage forms and policies covering the occurrence or offense is the single highest applicable limit of liability of one of the policies which cover the occurrence or offense. This provision does not apply to policies written by us or by any of our related or affiliated companies as insurance that specifically applies in excess of this insurance. Al other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 00 GL0474 00 06 08 Page 10f 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PREMIUM COMPUTATION ENDORSEMENT This endorsement applies to the lines of business indicated below COMMERCIAL GENERAL LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE LIQUOR LIABILITY COVERAGE FORM STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT Your Premium will be calculated as follows 1. Audit Period 07012019 through 07012020 X Annual O Semi Annual 0 Monthly O Other Deposit Premium 48183 2. The deposit premium set forth above is adjustable and is only an estimated premium for the Audit Period shown in 1. above. The final earned premium for the Audit Period will be determined as specified in Condition 5. Premium Audit of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS and Condition 5. Premium Audit of SECTION IV LIQUOR LIABILITY CONDITIONS. The Audit Premium will be computed by applying the Composite Rates against the Audited Exposure and Exposure Reporting Basis listed in the Premium Adjustment Table below. Such rates are prior to any applicable taxes licenses or fees. 3. Premium Adjustment Table Class Class Description Estimated Exposure Composite Estimated LOB Code Exposure Reporting Basis Rate Premium GL 20350 COMPOSITE 2059092973 PER 1000.0234 48183 REVENUE Al other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNT CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 2019 00 GL0477 00 06 08 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BROAD FORM NAMED INSURED ENDORSEMENT This Endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The Named Insured includes all subsidiaries affiliated associated controlled or allied companies corporations or firms now or hereafter constituted in which there is common ownership of more than fifty percent 50 and for which similar coverage is not separately provided. The person or organization first named in Item 1 of the Declarations by acceptance of this policy is authorized to act and agrees to act on behalf of all persons or organizations insured under the policy with respect to all matters pertaining to the insurance afforded by the policy including the giving or receipt of notice of cancellation the payment of premiums and deductibles and the receiving of return premiums if any. The insurance provided by this endorsement remains subject to paragraph 3. under SECTION Il WHO IS AN INSURED regarding newly acquired or formed organizations. Further nothing in this endorsement shall be construed to affect any of our rights to amend the policy premium during the policy period upon the acquisition of a new subsidiary or other entity by the Named Insured. The first Named Insured shall report to us as soon as practicable any acquisitions dissolution mergers or ownership changes that occur at any time throughout the policy period. Al other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNT CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 2019 00 GL0480 00 06 14 Pag Page 10of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BODILY INJURY DEFINITION EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM Under the 1. COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION V DEFINITIONS Definition 3. Bodily injury 2. LIQUOR LIABILITY COVERAGE FORM SECTION V DEFINITIONS Definition 1. Bodily injury or 3. PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM SECTION V DEFINITIONS Definition 2. Bodily injury is deleted and replaced by the following definition Bodily injury means physical injury sickness or disease sustained by a person including death resulting from any of these. Bodily injury includes mental anguish shock or emotional distress when accompanied by physical injury sickness or disease. All other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 00 GL0588 00 04 10 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FELLOW EMPLOYEE COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM Under Section Il WHO IS AN INSURED paragraphs 2.a.1a 2.a1b and 2.a1c are deleted in their entirety. Al other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNI CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 19 00 GL0590 00 04 10 Page 10f 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INCIDENTAL MEDICAL MALPRACTICE LIABILITY COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM A SECTION V DEFINITIONS is amended by the addition of the following definition Incidental medical malpractice injury means bodily injury arising out of the rendering of or failure to render the following services a. Medical surgical dental x ray or nursing service or treatment or the furnishing of food or beverages in connection therewith or b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances. B. Under Section Il WHO IS AN INSURED Paragraph 2. a. 1d is deleted in its entirety and replaced with the following d. Arising out of his or her providing or failing to provide professional health care except for bodily injury arising out of incidental medical malpractice injury by any physician dentist emergency medical technician nurse or other medical practitioner employed or retained by you. However the insurance provided hereunder to such persons will not apply to liability arising out of services performed outside of the scope of their duties as your employees. Any series of continuous repeated or related acts will be treated as the occurrence of a single negligent professional healthcare service. The Coverage provided by this endorsement does not apply to you or any insured if you are engaged in the business or occupation of providing any of the services described in the definition of incidental medical malpractice injury. The Coverage provided by this endorsement will be excess over any other insurance available to you or any insured. All other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNT CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 2019 00 GL0593 00 04 10 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WHEN WE DO NOT RENEW EXTENDED NOTICE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM Under Section IV Condition 9. When We Do Not Renew is deleted in its entirety and replaced by the following 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 90 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. If the state nonrenewal endorsement provides for more than the number of days notice of nonrenewal shown above this provision does not apply. All other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNT CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 07 01 2019 00 GL0595 00 04 10 Pag Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BODILY INJURY OR PROPERTY DAMAGE EXPECTED OR INTENDED ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM Under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Exclusion 2.a. Expected or Intended Injury is deleted in its entirety and replaced by the following exclusion 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 or property damage resulting from the use of reasonable force to protect persons or property. Endorsement Number Policy Number 41GPP1010201 Named Insured HNT CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 712019 00 GL0599 00 04 10 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NON OWNED WATERCRAFT EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM Under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Exclusion 2. g. 2 a is deleted in its entirety and replaced with the following a Lessthan 100 feet long. Al other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number 41GPP1010201 Named Insured HNT CORPORATION This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 712019 00 GL0600 00 04 10 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED LOCATIONSS GENERAL AGGREGATE LIMIT WITH A POLICY GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Designated Locations ALL LOCATIONS AND PROJECTS Information required to complete this Schedule if not shown above will be shown in the Declarations. A Subject to paragraph F. below for all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to operations at a single designated location shown in the Schedule above 1. A separate Designated Location General Aggregate Limit applies to each designated location and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and for medical expenses under Coverage C regardless of the number of a. Insureds b. Claims made or suits brought or A Persons or organizations making claims or bringing suits. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Location General Aggregate Limit for that designated location. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Location General Aggregate Limit for any other designated location shown in the Schedule above. The limits shown in the Declarations for Each Occurrence Damage To Premises Rented To You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such limits will be subject to the applicable Designated Location General Aggregate Limit. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attributed only to operations at a single designated location shown in the Schedule above 00 GL0604 00 04 10 Page 1 of 2 | 2 |
1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Designated Location General Aggregate Limit. C. When coverage for liability arising out of the products completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products Completed Operations Aggregate Limit and not reduce the General Aggregate Limit nor the Designated Location General Aggregate Limit. D. For the purposes of this endorsement the Definitions Section is amended by the addition of the following definition Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. E. The provisions of Section Ill Limits Of Insurance not otherwise modified by this endorsement shall continue to apply. F. Regardless of the number of locations and any other circumstances the most we will pay for all sums which the insured becomes legally obligated to pay that are subject to the Commercial General Liability Coverage Form s General Aggregate Limit as described in SECTION Il LIMITS OF INSURANCE and any Designated Location General Aggregate Limits as described above shall be no more than the Policy General Aggregate Limit shown below Policy General Aggregate Limit 10 000 000 In the event that no dollar amount is shown next to the Policy General Aggregate Limit above the Policy General Aggregate Limit is 10000000. Al other terms and conditions of this Policy remain unchanged. Endorsement Number This endorsement is effective on the inception date of this policy unless otherwise stated herein. The information below is required only when this endorsement is issued subsequent to preparation of the policy. Policy Number 41GPP1010201 Named Insured HNT CORPORATION Endorsement Effective Date 07012019 00 GL0604 00 04 10 Page 2 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26811204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES DUTIES CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGECG 04 35 LIMITED PRODUCT WITHDRAWAL EXPENSE ENDORSEMENT CG 04 36 LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PERSONAL INJURY LIABILITY ENDORSEMENT CG 28 05 POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following is added to the Duties Condition The requirement to notify us can be satisfied by notifying our agent. Notice can be by any means of communication. CG 26811204 ISO Properties Inc. 2003 Page 1 of 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 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 I 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 Nl 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 c.. Bodily injury or. Damages because of bodily 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. 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 I 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 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. injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. nis policy restrict coverage. arefully to determine rights 10 t covered. e words you and your refer own in the Declarations and nization qualifying as a Named y. The words we us and providing this insurance. s any person or organization r Section Il Who Is An es that appear in quotation ning. Refer to Section V s INJURY AND PROPERTY ums that the insured becomes pay as damages because of roperty damage to which this We will have the right and e insured against any suit 1acges. However. we will have 2 M 4 CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
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 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. b 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 00010413 | 1 |
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 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 i 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 i Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location 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 i Any person or organization for whom you may be legally responsible or c 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 Ilubricants 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. ii CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
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 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. 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 b 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 f.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 3 Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. 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 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
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 Il 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. 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.. Personal And Advertising 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 AR dli el e TIEVED or rental by you. nd 6 of this exclusion ity assumed under a usion does not apply to ded in the products ard. 3 ur product arising out ur work arising out of it luded in the products ard. apply if the damaged CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
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 Il 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 Nl 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 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 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 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 Il Limits Of Insurance. AL AND ADVERTISING ums that the insured becomes pay as damages because of ertising injury to which this Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
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. 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. 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. 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 3 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. 4 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the 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. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical Xray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies.. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law.. Athlefics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests.. Products Completed Operations Hazard Included within the products completed operations hazard.. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. b. All expenses we incur. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds.. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work.. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured.. Prejudgment interest awarded against the 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 1 and renarted Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
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 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 limits of 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 conditons 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 1 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. Anindividual 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. suit and the information urrence are such that no t between the interests of rests of the indemnitee the insured ask us to the defense of that 1 suit and agree that we counsel to defend the tee and CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
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 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 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. b c d 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.. 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 lll 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. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
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 damageto 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 suitand 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 2 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 4 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.. 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. i IpIELEL Personal And will pay under s because of tained by any e whichever the most we erty damage Damage To most we will because of while rented while rented y you with he last preceding perio for purposes Limits of Insurance. DMMERCIAL GENERAL LIABILITY CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
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 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 Installaton 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 Secton 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. i iii 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 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 informaton we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree The statements in the Declarations accurate and complete are Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based representations you made to us and c. We have issued this policy in reliance upon your 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. upon 3.. Hostile 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 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 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 in a settlement we agree to. 2 3. 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. fire 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 fuffiling the terms of the contract or agreement. Wy deviylivid it e lamed Insured this vere the only Named igainst whom claim is Against Others To yver all or part of any this Coverage Part us. The insured must them. At our request ansfer those rights to overage Part we will ed Insured shown in CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
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 b. 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 d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. 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. 1 12 Leased worker means a person leased to you by 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 it is in or on an aircraft watercraft or sor 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 b. 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 e. 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 transportaton of persons or cargo. agreement except in ruction or demolition 0 feet of a railroad ired by ordinance to except in connection ty rAreement Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
13. 14. 15. 3 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 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. g. 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. b. 1 Products 2 3 the 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your productor your work except that are still possession or in your physical 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. 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. 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. Does not include bodily injury or property damage arising out of b c 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 The existence of tools uninstalled equipment or abandoned or unused materials or Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means 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 milar devices mounted k 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 mprisonment 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 gee a person s or 2 3 CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
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.. 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 20 S 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 durability performance or use of your product and 2 The providing of or failure warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. to provide 22.Your work a. 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. b. 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 failure warnings or instructions. to provide o Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
COMMERCIAL GENERAL LIABILITY CG 01221207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CONTRACTUAL LIABILITY EXCLUSION AND SUPPLEMENTARY PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2.b. of Exclusions of Section Cover age A Bodily Injury And Property Damage Liabil ity is replaced by the following 2. Exclusions This insurance does not apply to d. All reasonable expenses incurred by the insured at our request to assist us in the in vestigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. e. All court costs taxed against the insured in b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay dam ages 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 ab sence 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 oc curs subsequent to the execution of the the suit. However this coverage does not include attorneys fees or attorneys ex penses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. g. All interest on the full amount of any judg ment that accrues after entry of the judg ment 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. contract or agreement. These payments will not reduce the limits of in B. Section Supplementary Payments Coverages surance. AAnd Bis replaced by the following 2. If we defend an insured against a suit and an 1. We will pay with respect to any claim we inves indemnitee of the insured is also named as a tigate or settle or any suit against an insured party to the suit we will defend that indem we defend nitee if all of the following conditions are met a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the appli cable limit of insurance. We do not have to furnish these bonds. a. The suit against the indemnitee seeks damages for which the insured has as sumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability as sumed 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 in sured contract CG 01221207 ISO Properties Inc. 2006 Page 1 of 2 m | 2 |
d. The allegations in the suit and the informa tion we know about the occurrence are such that no conflict appears to exist be tween 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 in demnitee 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 investiga tion settlement or defense of the suit Immediately send us copies of any demands notices summonses or le gal papers received in connection with the suit Notify any other insurer whose cov erage is available to the indemnitee and Cooperate with us with respect to coordinating other applicable insur ance available to the indemnitee and b c d 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. So long as the above conditions are met attor neys fees incurred by us in the defense of that indemnitee necessary litigation expenses in curred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Our obligation to defend an insured s indem nitee and to pay for attorneys fees and neces sary litigation expenses as Supplementary Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments or settlements or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. Page 2 of 2 ISO Properties Inc. 2006 CG01221207 o | 2 |
POLICY NUMBER 41GPP1010201 CY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 02241093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EARLIER NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Number of Days Notice 90 If no entry appears above information required to complete this Schedule will be shown in the Declarations as applicable to this endorsement. For any statutorily permitted reason other than nonpayment of premium the number of days required for notice of cancellation as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement is increased to the number of days shown in the Schedule above. CG 02241093 Copyright Insurance Services Office Inc. 1992 Page 1 of 1 o | 2 |
POLICY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 04351207 POLICY NUMBER 41GPP1010201 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Deductible 250000 Premium INCLUDED Limit Of Insurance 1000000 each employee 2000000 aggregate Retroactive Date 07 01 2005 Information required to complete this Schedule if not shown above will be shown in the Declarations. Employee Benefits Programs A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supple mentary Payments. a. We will pay those sums that the insured b. This insurance applies to damages only if becomes legally obligated to pay as dam ages because of any act error or omission 1 The act error or omission is negligently of the insured or of any other person for zommlted in the admmst atlon of your whose acts the insured is legally liable to employee benefit program which this insurance applies. We will have 2 The act error or omission did not take the right and duty to defend the insured place before the Retroactive Date if any against any suit seeking those damages. shown in the Schedule nor after the end However we will have no duty to defend the of the policy period and insured against any suit seeking damages 3 Aclaim for damages because of an act to which thsvmsuranog does not apply. We error or omission is first made against may at our discretion investigate any report any insured in accordance with Para of an act error or omission and settle any graph c. belw during the policy period claim or suit that may result. But or an Extended Reporting Period we pro 1 The amount we will pay for damages is vide under Paragraph F. of this en limited as described in Paragraph D. dorsement. Section Il Limits Of Insurance and c. A claimseeking damages will be deemed to 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. have been made at the earlier of the follow ing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or CG 04351207 ISO Properties Inc. 2006 Page 1 of 6 m | 2 |
2 When we make settlement in accordance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the pol icy period will be considered to have been received within the policy period if no sub sequent policy is available to cover the claim. d. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefici aries will be deemed to have been made at the time the first of those claims is made against any insured.. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless viola tion of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. e. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termination of employment discrimination or other em ployment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and Bare replaced by Supplemen tary Payments Coverages A B and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal represen tative is appointed. Page 2 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
c. 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 Endorsement. 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 no other similar insurance ap plies 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 pol icy period whichever is earlier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section lll Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the ad ministration of your employee benefit pro gram. c. Subject to the Aggregate Limit the Each Employee Limitis the most we will pay for all damages sustained by any one employee including damages sustained by such em ployee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administration of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be sub ject to the limits and restrictions that apply to the payment of benefits in any plan in cluded in the employee benefit program. The Limits of Insurance of this endorsement ap ply separately to each consecutive annual pe riod and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached 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. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The limits of insurance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Sched ule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this in surance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are re placed by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the ex tent possible notice should include 1 Wnat the act error or omission was and when it occurred and CG 04351207 ISO Properties Inc. 2006 Page 3 of 6 m | 2 |
2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is 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 no tice of the claim or suit as soon as practi cable. c. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit 2 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 4 Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission 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 without our consent. 4. Other Insurance If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is primary except when Para graph 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. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 Wnen this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has aduty 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. 3 Wnen this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that ex ceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorse ment. c. Method Of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer 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 con tribute by limits. Under this method each in surer s share is based on the ratio of its ap plicable limits of insurance to the total applicable limits of insurance of all insurers. 4 Page 4 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Pe riod provisions are added or if this endorsement is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this endorse ment or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of cover age provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not be fore the Retroactive Date if any shown in the Schedule. Once in effect the Extended Report ing Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this en dorsement for future payment of damages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period ag gregate limit of insurance described below but only for claims first received and recorded dur ing the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement un der Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to ap ply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees includ ing their dependents and beneficiaries with respect to eligibility for or scope of em ployee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. CG 04351207 ISO Properties Inc. 2006 Page 5 of 6 m | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafe teria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eli gibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disabil ity benefits d. Vacation plans including buy and sell pro grams leave of absence programs including military maternity family and civil leave tui tion assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively employed formerly employed on leave of absence or dis abled or retired. Employee includes a leased worker. Employee does not include a tempo rary worker. 18. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured 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. Page 6 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 20010413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance 2 You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary primary and would not seek contribution i from any other insurance available to the Primary And Noncontributory L utory nsuraoe additional insured. This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that 1 The additional insured is a Named Insured under such other insurance and CG 20010413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER 41GPP1010201 POLICY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations ALL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT PROVIDED SUCH CONTRACT WAS EXECUTED PRIOR TO LOSS Information required to complete this Schedule if not shown above will be shown in the Declarations. ALL LOCATIONS A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injur property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. WRITTEN CONTRACT PROVIDED UCH CONTRACT WAS EXECUTED RIOR TO LOSS Insurance Services Office Inc. 2012 CG 20100413 Page 1 of 2 | 2 |
C. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20100413 | 2 |
POLICY NUMBER 41GPP1010201 POLICY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations BEAZER HOMES USA INC. AND ITS SUBSIDIARIES OFFICERS DIRECTORS AGENTS EMPLOYEES Information required to complete this Schedule if not shown above will be shown in the Declarations. ANY ALL A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injur property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. r s SUBSIDIARIES OFFICERS RECTORS AGENTS EMPLOYEES Insurance Services Office Inc. 2012 CG 20100413 Page 1 of 2 | 2 |
C. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20100413 | 2 |
POLICY NUMBER 41GPP1010201 POLICY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations BALFOUR BEATTY CONSTRUCTION LLC Information required to complete this Schedule if not shown above will be shown in the Declarations. ALL LOCATIONS A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injur property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. Insurance Services Office Inc. 2012 CG 20100413 Page 1 of 2 | 2 |
C. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20100413 | 2 |
POLICY NUMBER 41GPP1010201 POLICY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations CALATLANTIC GROUP INC. THE RYLAND GROUP INC. INCLUDING ITS AFFILIATES THE OWNER S OF THE PROJECT WHERE THE WORK OF THE NAMED INSURED IS TO BE COMPLETED PROJECT THE PROJECT LENDERS IF ANY AND THE AFFILIATED ENTITES OF EACH OF THEM. ALL LOCATIONS Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. Insurance Services Office Inc. 2012 CG 20100413 Page 1 of 2 | 2 |
C. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20100413 | 2 |
POLICY NUMBER 41GPP1010201 POLICY NUMBER 41GPP1010201 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations CB RICHARD ELLIS INC. AND ITS EMPLOYEES AGENTS SUBSIDIARIES AND AFFILIATES AND ALL BENEFICIARIES IF ANY AND SIEMENS REALESTATE INC. AND ITS EMPLOYEES AGENT SUBSIDIARIES AND AFFILIATES Ir AND ALL BENEFICIARIES Information required to complete this Schedule if not shown above will be shown in the Declarations. ALL LOCATIONS A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. Insurance Services Office Inc. 2012 CG 20100413 Page 1 of 2 | 2 |
C. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20100413 | 2 |
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