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Z4 ZURICH Earlier Notice of Cancellation or Non Renewal ZURICH THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE 1. Number of days required for notice of non renewal other than for nonpayment of premium 90 If the number of days is not provided above please see the nonrenewal provisions of your policy. 2. Number of days required for notice of cancellation other than for nonpayment of premium 90 If the number of days is not provided above please see the cancellation provisions of your policy. 3. Number of days required for notice of cancellation for nonpayment of premium 10 If the number of days is not provided above please see the cancellation provisions of your policy. Number of days required for notice of cancellation for nonpayment of premium 10 If the number of days is not provided above please see the cancellation provisions of your policy. A. For any statutorily permitted reason for non renewal other than nonpayment of premium the number of days required for notice of non renewal as provided in the Commercial General Liability Conditions as amended by an applicable state endorsement or as provided by an applicable state s change in coverage regulation is increased to the number of days shown in Paragraph 1. in the Schedule above. B. For any statutorily permitted reason for cancellation other than nonpayment of premium the number of days required for notice of cancellation as provided in the Common Policy Conditions as amended by an applicable state endorsement or as provided by an applicable state s change in coverage regulation is increased to the number of days shown in Paragraph 2. in the Schedule above. C. For nonpayment of premium the number of days required for notice of cancellation as provided in the Common Policy Conditions as amended by an applicable state endorsement or as provided by an applicable state s change in coverage regulation is increased to the number of days shown in Paragraph 3. in the Schedule above. All other terms and conditions of your policy remain the same. Includes copyrighted material of Insurance Services Office Inc. with its permission. U GL1298 C CW 082008 Page 1 of 1 | 2 |
Z ZURICH Deductible Policy No. Eff. Date of Pol. Eff. Date of End. ZURICH THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Employee Benefits Liability Coverage Part Liquor Liability Coverage Part Stop Gap Employers Liability Coverage Part DEDUCTIBLE SCHEDULE Coverage Deductible Amount Basis Coverage Bodily Injury and Property Damage Liability All persons or organizations 3000000 EachOccurrence Bodily Injury Liability Only All persons or organizations Each Occurrence Property Damage Liability Only All persons or organizations Each Occurrence Coverage Bodily Injuryand Property Damage Liability Each Claim Bodily Injury Liability Only Each Claim Property Damage Liability Only Each Claim Coverage Personal and Advertising Injury Liability By offense Any one person or organization 3000000 Each Claim Coverage Medical Payments 3000000 AnyOnePerson Additional Employee Benefits Liability Each Act Error or Coverage Omission Additional Liquor Liability Coverage Each Common Cause Additional Stop Gap Employers Liability Each Accident Coverage Stop Gap Employers Liability disease Each Employee Aggregate Deductible Amount Adjustable at a L rate of per of Flat Initial Exposure EEgaany Minimum Aggregate Deductible Amount U GL1326 8 CW 102007 Page 10f 6 | 2 |
ALLOCATED LOSS ADJUSTMENT EXPENSE SELECTION SCHEDULE Select One Option 1 X As respects each Deductible Amount you will reimburse us for all allocated loss adjustment expense even if there is no payment for other than allocated loss adjustment expense. Allocated loss adjustment expense reimbursements will contribute toward your Deductible Amount and your Aggregate Deductible Amount as shown in the Deductible Schedule. Option 2 As respects each Deductible Amount you will reimburse us for allocated loss a If the total amount payable for other than allocated loss adjustment expense as respects the basis for each Deductible Amount is equal to or less than the Deductible Amounts or if there is no amount payable other than allocated loss adjustment expense then you will reimburse us for all allocated loss adjustment expense. Allocated loss adjustment expense reimbursements will not contribute toward either your Deductible Amount or your Aggregate Deductible Amount as shown in the Deductible Schedule or b If the total amount payable for other than allocated loss adjustment expense exceeds the Deductible Amount you will reimburse us a pro rata share of total allocated loss adjustment expense based on the ratio of the Deductible Amount divided by the total amount payable for other than allocated loss adjustment expense as respects the basis for each Deductible Amount. Allocated loss adjustment expense reimbursements will not contribute toward either your Deductible Amount or your Aggregate Deductible Amount as shown in the Deductible Schedule. Option 3 As respects each Deductible Amount you will reimburse us for all allocated loss adjustment expense even if there is no payment for other than allocated loss adjustment expense. Allocated loss adjustment expense reimbursements will not contribute toward either your Deductible Amount or your Aggregate Deductible Amount as shown in the Deductible Schedule. If no option is selected Option 3 will apply. A. How the Deductible Amount Applies You will reimburse us for the Deductible Amounts shown in the Deductible Schedule and for allocated loss adjustment expensesincurred based on the Allocated Loss Adjustment Expense Selection Schedule. The Deductible Amounts applies as follows 1. If an Each Occurrence Deductible is shown the Deductible Amount applies to all sums payable because of any one Occurrence regardless of the number of persons or organizations who sustain damages because of that Occurrence. If an Each Claim Deductible is shown the Deductible Amount applies to all sums payable for each claim sustained by any one person or organization. a. For Other than Coverage B to all sums payable for each claim sustained by any one person or organization and b. For Coverage B to all damages sustained by any one person or organization as the result of an offense. Medical Payments If an Any One Person limit is shown the Deductible Amount applies to all sums payable to any one person as a result of an accident sustained by that person. U GL1326 8 CW 102007 Page 2of 6 | 2 |
Employee Benefits Liability If an Each Act Error or Omission Deductible is shown the Deductible Amount applies to all sums payable for all damages sustained by any one Employee including the Employee s dependents and beneficiaries because of acts errors or omissions committed in the administration of employee benefit programs. Liquor Liability If a Common Cause Deductible is shown the Deductible Amount applies to all sums payable for all injury sustained by one or more persons or organizations as the result of the selling serving or furnishing of any alcoholic beverage to any one person. Stop Gap Employers Liability If an Each Accident Deductible is shown the Deductible Amount applies to all sums payable as the result of an accident regardless of the number of people who sustain damages because of that accident. Stop Gap Employers Liability disease If an Each Employee Deductible is shown the Deductible Amount applies to all sums payable because of any one disease and applies separately to each affected Employee. B. Deductible Provisions 1. If more than one Deductible Amount applies to sums payable arising from the same incident because more than one Coverage applies you will be responsible for each and every applicable Deductible Amount. Deductible Amounts 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. Your obligation to pay the Deductible Amounts shown on this policy is not fulfilled by a. The payment of a Deductible Amount under any other policy or b. Any payment made by us or another insurance company even if 3.a. or 3.b. above applies to the same incident as the Deductible Amount due under this policy. If more than one policy issued by us applies to sums payable because of a single continuous incident the Deductible Amounts applies separately to each policy that we issue to which this endorsement or a similar Deductible Endorsement applies. Deductible Amounts also apply separately to each annual period and any remaining period of less than 12 months as described in B.2. above. If a Coverage Part or Additional Coverage of this policy specifically applies a separate deductibles a. the separate additional deductible amount applies to any loss separately and before the Deductible Amounts shown on the Schedule of this endorsement and b. the Deductible Amounts shown on the Schedule of this endorsement applies only if the loss exceeds the separate additional deductible amount described in 5.a. above subject to the other terms and conditions of this endorsement. C. Aggregate Deductible Amount 1. The Aggregate Deductible Amount shown in the Deductible Schedule is the most you must reimburse us for the sum of a. all applicable Deductible Amounts as shown in the Deductible Schedule and b. all applicable allocated loss adjustment expense in accordance with the Allocated Loss Adjustment Expense Selection Schedule above. U GL1326 8 CW 102007 Page 3of 6 | 2 |
This single Aggregate Deductible Amount applies to the entire policy period and to any remaining extension pe riod. If an Aggregate Deductible Amount is shown in the Deductible Schedule and is designated as adjustable the final Aggregate Deductible Amount will be determined at the end of the policy period by an audit of your records and will be based upon the Rate shown in the Deductible Schedule multiplied by the final audited Exposure. The amount shown in the Deductible Schedule as the Aggregate Deductible Amount is an estimated amount and is based on an estimate of what the audit of your records will develop. In no event will the final audited Aggregate Deductible Amount be less than the Aggregate Deductible Amount shown in the Deductible Schedule unless a Minimum Aggregate Deductible Amount is shown in the Deductible Schedule. If a Minimum Aggregate Deductible Amount is shown the final audited Aggregate Deductible Amount will not be less than the Minimum Aggregate Deductible Amount. If an Aggregate Deductible Amount is shown in the Deductible Schedule and is designated as Flat the Aggregate Deductible Amount will not be adjusted. In no event will the Flat Aggregate Deductible Amount be less than or more than the Aggregate Deductible Amount shown in the Deductible Schedule. If no Aggregate Deductible Amount is stated in the Deductible Schedule then your obligation to reimburse us for the sum of all applicable Deductible Amounts as shown in the Deductible Schedule and all applicable allocated loss adjustment expense in accordance with the Allocated Loss Adjustment Expense Selection Schedule above is unlimited. D. Allocated Loss Adjustment Expense Reimbursement In accordance with the Allocated Loss Adjustment Expense Selection Schedule 1. If Option 1 is selected allocated loss adjustment expense reimbursements made by you contribute to your Deductible Amount and Aggregate Deductible Amount. If Option 2 or Option 3 is selected then you will reimburse us for all or pro rata allocated loss adjustment expense as may apply in accordance with the Allocated Loss Adjustment Expense Selection Schedule above even if the Deductible Amount or the Aggregate Deductible Amount if applicable is exceeded. E. Application of the Deductible Amount to Payable Amounts 1. You will reimburse us for allocated loss adjustment expense according to the option selected in the Allocated Loss Adjustment Expense Selection Schedule. Upon settlement or final adjudication of a claim we will apply the Deductible Amount against payable amounts as follows a. Sums other than those attributable to allocated loss adjustment expense then b. Allocated loss adjustment expense already reimbursed by you then c. Allocated loss adjustment expense yet to be reimbursed by you if applicable. F. Effect of Deductible Amount on Limits of Insurance The applicable limits of insurance for the coverage part to which a Deductible Amount applies will be reduced only by that portion of the Deductible Amount that is not attributable to allocated loss adjustment expenses. G. Conditions 1. Voluntary Payments I PP U GL1326 8 CW 102007 Page 4 of 6 | 2 |
If you voluntarily make any payment assume any obligation or incur any expense without our consent then you do so at your own cost. Any such voluntary payment assumed obligation or incurred expense does not contribute towards any applicable Deductible Amounts or Aggregate Deductible Amount under this policy. 2. Application of Recovered Amounts We have your rights and the rights of persons entitled to the benefits of this insurance to recover sums that are reimbursable under this endorsement and any Deductible Amount from anyone liable for the injury or damages. You will do everything necessary to protect those rights for us and to help us enforce them. If we recover any payment made under this policy from anyone liable for injury or damages the recovered amount will first be applied to any payments made by us in excess of the Deductible Amount. The remainder of the recovery if any will then be applied to reduce the Deductible Amount reimbursed or reimbursable by you as respects that injury or damages. 3. Payment of Amounts Owed Under This Endorsement a. We may pay any part or all of any Deductible Amounts or allocated loss adjustment expense to effect settlement of any claim and upon notification of the action taken you will reimburse us for such part of any Deductible Amounts or allocated loss adjustment expense as shown on the billing from us. You must pay us for all amounts for which you are responsible under this endorsement and reimburse us for any such amounts that we pay by the due date shown on the billing from us. b. If you fail to reimburse us for any amounts as required by this endorsement or policy we may cancel this policy for nonpayment in accordance with the applicable law. Cancellation of this policy does not relieve you from any deductible obligations reimbursable by you. c. The first Named Insured shown in the Declarations is authorized to and will reimburse us for all amounts paid by us on behalf of all insureds. d. Each Named Insured is jointly and severally liable for all reimbursements due to us under this endorsement whether or not that Named Insured is involved in the claim proceeding or suit causing any such amount to be due to us. H. Definitions 1. Allocated loss adjustment expenseis an expense directly allocable to a specific claim including but not limited to all supplementary payments as set forth in this policy all court costs fees and expenses all costs fees and expenses for or incurred in connection with all attorneys witnesses experts depositions reported or recorded statements summonses service of process legal transcripts or testimony copies of any public records alternative dispute resolution proceedings interest investigative services non employee adjusters medical examinations autopsies medical cost containment declaratory judgment subrogation claims and proceedings and any other fees costs or expenses reasonably chargeable to the investigation negotiation settlement or defense of a claim or a loss under this policy. 2. Incident for purposes of this endorsement only means an occurrence offense claim accident act error or omission common cause disease or any other event as defined or used in our policy to which a Deductible Amounts applies. I. Other Terms 1. The terms of this insurance apply irrespective of the application of any Deductible Amounts including those with respect to a. Our right and duty to investigate or defend the insured against any suits seeking those damages and U GL1326 8 CW 102007 Page 50f 6 | 2 |
b. Your duties in the event of a claim or circumstances likely to result in a claim. 2. You understand that your duties under this endorsement may continue after this policy expires or is cancelled. U GL1326 8 CW 102007 Page 6 of 6 | 2 |
Z ZURICH Other Insurance Amendment Primary And Non Contributory Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Named Insured Address including ZIP Code This endorsement modifies insurance provided under the Commercial General Liability Coverage Part 1. The following paragraph is added to the Other Insurance Condition of Section IV Commercial General Liability Conditions This insurance is primary insurance to and will not seek contribution from any other insurance available to an additional insured under this policy provided that a. The additional insured is a Named Insured under such other insurance and b. You are required by a written contract or written agreement that this insurance would be primary and would not seek contribution from any any other insurance available to the additional insured. 2. The following paragraph is added to Paragraph 4.b. of the Other Insurance Condition of Section IV Commercial General Liability Conditions This insurance is excess over Any of the other insurance whether primary excess contingent or on any other basis available to an additional insured in which the additional insured on our policy is also covered as an additional insured on another policy providing coverage for the same occurrence offense claim or suit. This provision does not apply to any policy in which the additional insured is a Named Insured on such other policy and where our policy is required by written contract or written agreement to provide coverage to the additional insured on a primary and non contributory basis. All other terms and conditions of this policy remain unchanged. UGL1327 B CW 0413 Page 1of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH In Rem Policy No. Exp. Date of Pol. Eff. Date of End. Agency No. Addl. Prem. Return Prem. r 1 THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Named Insured CHICAGO BRIDGE IRON COMPANY DELAWARE Address including ZIP Code 2103 RESEARCH FOREST DR THE WOODLANDS TX 77380 2624 This endorsement modifies insurance provided under the Commercial General Liability Coverage Part It is agreed that coverage provided by the policy shall not be denied solely on the basis that a claim or suit brought against the insured is based upon an in rem proceeding. U GL1340 A CW 0208 Page 1 of | 2 |
2 ZURICH Resulting Damage To Your Work Policy No. Exp. Date of Pol. Eff. Date of End. Agency No. Addl.Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Named Insured Address including ZIP Code This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Section Coverage A Bodily Injury and Property Damage Liability 1. Insuring Agreement is deleted and replaced by the following 1. Insuring Agreement We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage subject to the property damage provisions of Paragraph g. below to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Section Supplementary Payments Coverages A and B. c. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and 3 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 Il Who Is An Insured Includes copyrighted material of Insurance Services Office Inc. with permission U GL1344 A 0907 Page 1 of 2 | 2 |
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. e. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to oceur. f. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. g. Damages because of property damage include damages the insured becomes legally obligated to pay because of property damage to your work and shall be deemed to be caused by an occurrence but only if 1 The property damage is entirely the result of work performed on your behalf by a subcontractors that is not a Named Insured 2 The work performed by the subcontractors is within the products completed operations hazard and 3 The property damage is unexpected and unintended from the standpoint of the insured. All other terms conditions provisions and exclusions of the policy not changed by this endorsement shall continue to apply as written. Includes copyrighted material of Insurance Services Office Inc. with permission U GL1344 A 0907 Page 2 of 2 | 2 |
Z ZURICH EXCLUSION RADIOACTIVE MATERIALS Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and to Paragraph 2. Exclusions of Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Radioactive Materials A. Bodily injury property damage or personal and advertising injury arising out of the actual alleged or threatened contamination by or pathogenic toxic or other harmful or hazardous properties of any radioactive material or B. 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 moni tor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of any radioactive material 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 radioactive material. All other terms and conditions of this policy remain unchanged. UGL1386 A CW 0109 Page 1 0of 1 Includes copyrighted material of Insurance Services Office Inc. withits permission. | 2 |
Z ZURICH Watercraft Exclusion Amendment Scheduled Written Contract Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part SCHEDULE Written Contract WRITTEN CONTRACT RITTEN CONTRACT A. Watercraft Exclusion Amendment Paragraph 2 of Exclusion 2.g. Aircraft Auto Or Watercraft under Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2 A watercraft you do not own that is not being used to carry persons or property for a charge B. The additional coverage provided in Paragraph A. above applies only if 1. Such additional coverage is required under the written contract described in the Schedule above and 2. Any bodily injury or property damage occurs subsequent to the execution of the written contract described in the Schedule above. All other terms and conditions of this policy remain unchanged. UGL1393 A CW 0409 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Asbestos Exclusion Endorsement Policy No Eff. Date of Pol. Exp. Date of Pol. EIf. Date of End. AddL Prem r P THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following exclusion is added to paragraph 2. Exclusions of Section I Coverage A Bodily Injury And Property Damage Liability and Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Asbestos A. Bodily injury property damage or personal and advertising injury arising out of or which would not have oc curred in whole or in part but for the actual alleged or threatened discharge dispersal release leakage leaching friability flaking escape or presence of asbestos regardless of whether any other cause event material or product contributed concurrently or in any sequence to the injury or damage or B. Any sums that any insured or other entity must pay repay or reimburse because of any 1. Request demand order statutory or regulatory requirement direction or determination that any insured or others test for investigate monitor clean up remove study. contain treat encapsulate control or take any other action regarding asbestos or 2. Claim or suit for damages arising out of or relating in any way to any request demand order statutory or regulatory requirement direction or determination that any insured or others test for investigate monitor clean up remove study contain treat encapsulate control or take any other action regarding asbestos or C. Any other loss cost or expense arising out of or relating in any way to asbestos. U GL1178 A CW 0703 Page 1 of Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Premium And Reports Agreement Composite Rated Policies THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under any of the following Commercial General Liability Coverage Part Products Completed Operations Liability Coverage Part Owners Contractors Protective Coverage Part Railroad Protective Coverage Part 1. Unit of Exposure Schedule O Gross sales O Area O Gallons O Each O Rooms O General Liability Payroll O Admissions O Units O Rounds played O Total Cost O Total Operating Expenditures O Occupied rooms O Licensed Autos O Workers Compensation Payroll X Other WC and Stop Gap payroll as developed under all written workers compensation and policies effective 07012014 to 07012015 Schedule CLASS EXPOSURE RATE 15050 If Any.0924 15050 216071.0924 Add more rows as required 3. Deposit Premium 4. Minimum Premium. INCL INCL Condition 5 Premium Audit of Section IV Commercial General Liability Conditions is replaced by the following 5. Premium Audit a. We will compute all premiums for this Coverage Part according to our rules and the composite rates shown in the Schedule above or attached hereto. b. For policies other than Annual Reporting the deposit premium shown in the Schedule is due and payable on the first day of the policy period. The first Named Insured will pay within 20 days following the mailing or delivery of the statement of audited premium for each audit period the camed premium due. U GL872 B CW 04 09 Page 1 of 2 | 2 |
Condition 5 Premium Audit of Section IV Commercial General Liability Conditions is replaced by the following Premium Audit a. e We will compute all premiums for this Coverage Part according to our rules and the composite rates shown in the Schedule above or attached hereto. For policies other than Annual Reporting the deposit premium shown in the Schedule is due and payable on the first day of the policy period. The first Named Insured will pay within 20 days following the mailing or delivery of the statement of audited premium for each audit period the carned premium due. Within 180 days after this Coverage Part expires we will conduct an audit which may not be waived. We will compute the earned premium for the policy period by multiplying the composite rate against the total developed exposure. If the earned premium is greater than the sum of the deposit and any interim adjustment premiums the first Named Insured will pay us the excess if less we will return the unearned portion to the first Named Insured. However the earned pre mium will not be less than the Minimum Premium as shown in the Schedule. The first Named Insured must maintain records of the information we need for premium computation and send us copies at such times as we may request. The units of exposure shown in the Schedule are defined as follows 1. Admissions means the total number of persons other than employees of the named insured admitted to events con ducted on the insured premises whether on paid admissions tickets complimentary tickets or passes. 2. Gallons means the total number of gallons of liquefied petroleum gass whether or not the insured actually takes possession of such gases. s invoiced on any basis to any customer 3. Gross sales means gross sales invoiced before discounts but does not include taxes collected for any governmental unit. 4. Licensed auto means the final average of the number of autos at policy inception and the number of autos at policy termination. 5. Occupied rooms means the number of rooms actually rented during the policy year in a hotel or other place of lodg ing. 6. General Liability payroll means total remuneration for all employe manuals. of the insured as defined in our rating 7. Workers Compensation payroll means total remuneration for all employees of the insured as defined in our rat ing manuals. 8. Rounds played means the number of both paid and gratuitous rounds of golf played on an 18 hole golf course dur ing the policy year. Rounds that are less then 10 holes will be counted as a half round toward the total number of rounds of golf played. 9. Each means the total number of exposure units as described in the exposure by 10. Rooms mean the total number of rooms available for rent in a hotel or other place of lodging. 11. Total cost means the total cost of all work let or sublet in connection with each specified project including the cost of all labor material and equipment furnished used or delivered in the execution of the work however do not in clude the cost of finished equipment installed but not furnished by the subcontractor if the subcontractor does no other work on or in connection with such equipment and all fees bonuses or commissions made paid or due. 12. Total Operating Expenditures means expenditures including grants entitlements and shared revenue without re gard to source of revenue including accounts payable. 13. Units means a single room or group of rooms intended for occupancy as separate living quarters by a family by a group of unrelated persons living together or by a person living alone. 14. Area means the total number of square feet of floor space at the insured premises they occupy or lease to others. 15. Other means the unit of exposure as defined in the Unit of Exposure Schedule of this endorsement U GL872 B CW 04 09 Page 2 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01 03 06 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. With regard to liability for Bodily Injury Property Damage and Personal And Advertising Injury unless we are prejudiced by the insured s or your failure to comply with the requirement no provi sion of this Coverage Part requiring you or any insured to give notice of occurrence claim or suit or forward demands notices summonses or legal papers in connection with a claim or suit will bar coverage under this Coverage Part. CG 01 03 06 06 ISO Properties Inc. 2005 Page 10f 1 m | 2 |
Z ZURICH Expanded Occurrence Definition Hawaii Policy No. Eff. Date of Pol. Exp. Date of Pol. EH. Date of End. Addl. Prem THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Solely with respect to any premises site or location in Hawaii the occurrence definition under the Definitions Section is replaced by the following Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Faulty workmanship in and of itself does not constitute an occurrence. But if the insured becomes legally obligated to pay damages because of property damage due to faulty workmanship performed 1. By you or on your behalf that causes property damage to property other than your work 2. On your behalf by a subcontractor that causes property damage to your work or any part of your work included in the products completed operations hazard or 3. By you that causes property damage to that part of your work that was performed on your behalf by a subcontractor then such property damage will be deemed to be caused by an occurrence but only if the property damage is unexpected or unintended from the standpoint of the insured. All other terms and conditions of this policy remain unchanged. UGL1464 8 HI 0910 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Deductible Endorsement Occurrence Policy No. Exp. Date of Pol. Eff. Date of End. Agency No. Addl. Prem. Return Prem. I S N N S THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Employee Benefits Liability Coverage Part It is agreed that the following deductible provisions are added to the policy as respects the Employee Benefit Li ability Coverage Part Deductible 1000 1 The deductible amount stated above shall be de ducted from the amount of all claims arising out of the same act error or omission. We shall be liable only for the difference between such deductible amount and the amount of insurance otherwise ap plicable on a per act error or omission basis. The Aggregate Limit will not be reduced by the appli cation of such deductible. The terms of this Coverage Part apply regardless of the application of the deductible amount. This in cludes those terms with respect to a. Our rights and duties with respect to the de fense of suits and b. The insured s duties in the event of an act er ror or omission or a claim or suit. We may pay any part or all of the deductible amount to effect settlement of any claim or suit. You shall promptly reimburse us for such part of the deductible amount as has been paid by us after we notify you of our action. The terms of this Coverage Part apply regardl the application of the deductible amount. This in cludes those terms with respect to a. Our rights and duties with respect to the de fense of suits and b. The insure n the event of an act er ror or omission or a claim or suit. We may pay any part or all of the deductible amount to effect settlement of any claim or suit. You shall promptly reimburse us for such part of the deductible amount as has been paid by us after we notify you of our action. U GL852 A CW 796 Page 1 of | 2 |
POLICY NUMBER GLO 5821852 01 POLICY NUMBER GLO 5821852 01 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 6 0 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 10f 1 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 04241093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR INJURY TO LEASED WORKERS 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 With respect to the Employer s Liability exclusion Section 1 only the definition of employeein the DEFINITIONS Section is replaced by the following Employee does not include a leased worker or a temporary worker. CG 04241093 Copyright Insurance Services Office Inc. 1992 Page 10f 1 m | 2 |
POLICY NUMBER GLO 5821852 01 POLICY NUMBER GLO 5821852 01 COMMERCIAL GENERAL LIABILITY CG 04370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC DATALIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Loss Of Electronic Data Limit 2000000 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Exclusion 2.p. of Coverage A Bodily Injury And D. For the purposes of the coverage provided by this Property Damage Liabilityin Section Coverages is replaced by the following 2. Exclusions This insurance does not apply to p. 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 that does not result from physical injury to tangible property. However this exclusion does not apply to liability for damages because of bodily injury. B. The following paragraph is added to Section Il Limits Of Insurance Subject to 5. above the Loss of Electronic Data Limit shown in the Schedule above is the most we will pay under Coverage A for property damage because of all loss of electronic data arising out of any one occurrence.. The following definition is added to the Definitions section 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 ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. endorsement the definition of property damage in the Definitions section is replaced by the following 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it b. 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 or c. Loss of loss of use of damage to corruption of inability to access or inability to properly manipulate electronic data resulting from physical injury to tangible property. Al such loss of electronic data 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. Insurance Services Office Inc. 2012 CG 04370413 Page 10f 1 | 2 |
POLICY NUMBER GLO 5821852 01 POLICY NUMBER GLO 5821852 01 COMMERCIAL GENERAL LIABILITY G 20 10 04 13 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 CITY OF MOUNTAIN VIEW IT S OFFICERS OFFICIALS EMPLOYEES VOLUNTEERS PO BOX 7540 MOUNTAIN VIEW CA 94039 7540 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. FFICERS OFFICIALS MPLOYEES VOLUNTEERS DUNTAIN VIEW CA 94039 7540 Insurance Services Office Inc. 2012 CG201004 13 Page 10f 2 | 2 |
C. With respect to the insurance afforded to these additional insureds the following is added to Section Ill 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 CG201004 13 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily In jury And Property Damage Liability This insurance does not apply to Bodily injuryto 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whomany of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CG 21471207 ISO Properties Inc. 2006 Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION INSPECTION APPRAISAL AND SURVEY COMPANIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to bodily injury property damage personal injury or advertising injury for which the insured may be held liable because of the rendering or failure to render professional services in the performance of any claim investigation adjustment engineering inspection appraisal survey or audit services. CG22241185 Copyright Insurance Services Office Inc. 1984 Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PROPERTY ENTRUSTED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. SCHEDULE Operations Security and Patrol Agencies Warehouse cold individual storage lockers Warehouses miniwarehouses As respects the operations shown in the Schedule this insurance does not apply to property damage to prop erty of others 1. Entrusted to you for safekeeping or 2. On premises owned by or rented to you. CG22291185 Copyright Insurance Services Office Inc. 1984 Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG22430413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ENGINEERS ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you or any engineer architect or surveyor who is either employed by you or performing work on your behalf in such capacity. Professional services include 1. The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications and 2. Supervisory inspection architectural or engineering activities. 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 or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional services by you or any engineer architect or surveyor who is either employed by you or performing work on your behalf in such capacity. CG22430413 Insurance Services Office Inc. 2012 Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG22800413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED EXCLUSION CONTRACTORS PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you but only with respect to your providing engineering architectural or surveying services in your capacity as an engineer architect or surveyor. Professional services include 1. Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications and 2. Supervisory or inspection activities performed as part of any related architectural or engineering activities. 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 or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional services by you with respect to your providing engineering architectural or surveying services in your capacity as an engineer architect or surveyor. This exclusion does not apply to your operations in connection with construction work performed by you or on your behalf. CG22800413 Insurance Services Office Inc. 2012 Page 10f 1 | 2 |
POLICY NUMBER GLO 5821852 01 POLICY NUMBER GLO 5821852 01 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization ANY PERSON OR ORGANIZATION THAT REQUIRES YOU TO WAIVE YOUR RIGHTS OF RECOVERY IN A WRITTEN CONTRACT OR AGREEMENT WITH THE NAMED INSURED THAT IS EXECUTED PRIOR TO THE ACCIDENT OR LOSS. Information required to complete this Schedule if not shown above will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. This waiver applies only to the person or organization shown in the Schedule above. HAT IS EXECUTED PRIOR TO THE ACCIDENT OR LOSS. CG 24 04 05 09 Insurance Services Office Inc. 2008 Page 10f 1 m | 2 |
POLICY NUMBER GLO 5821852 01 POLICY NUMBER GLO 5821852 01 COMMERCIAL GENERAL LIABILITY CG 24171001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTUAL LIABILITY RAILROADS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Scheduled Railroad IALL CONTRACTS FOR WORK DONE FOR IRAILROADS. Designated Job Site If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to operations performed for or affecting a Scheduled Railroad at a Designated Job Site the definition of insured contract in the Definitions sec 1 That indemnifies an architect engineer or tion is replaced by the following surveyor for injury or damage arising out 9. Insured Contract means of Paragraph f. does not include that part of any contract or agreement a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or or ganization 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 d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an in demnification 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. a Preparing approving or failing to pre pare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifi cations or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage 2 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services including those listed in Paragraph 1 above and supervisory in spection architectural or engineering activi ties. L CONTRACTS FOR WORK DONE FOR ILROADS. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to pre pare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifi cations or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage 2 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services including those listed in Paragraph 1 above and supervisory in spection architectural or engineering activi ties. ISO Properties Inc. 2000 Page 10f 1 o CG 24171001 | 2 |
COMMERCIAL GENERAL LIABILITY CG24220413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE TERRITORY WORLDWIDE COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to Section IV Conditions Expanded Coverage Territory 1. If a suit is brought in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from defending the insured the insured will initiate a defense of the suit. We will reimburse the insured under Supplementary Payments for any reasonable and necessary expenses incurred for the defense of a suit seeking damages to which this insurance applies that we would have paid had we been able to exercise our right and duty to defend. If the insured becomes legally obligated to pay sums because of damages to which this insurance applies in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from paying such sums on the insured s behalf we will reimburse the insured for such sums.. All payments or reimbursements we make for damages because of judgments or settlements will be made in U.S. currency at the prevailing exchange rate at the time the insured became legally obligated to pay such sums. Al payments or reimbursements we make for expenses under Supplementary Payments will be made in U.S. currency at the prevailing exchange rate at the time the expenses were incurred.. Any disputes between you and us as to whether there is coverage under this policy must be filed in the courts of the United States of America including its territories and possessions Puerto Rico or Canada. 4. The insured must fully maintain any coverage required by law regulation or other governmental authority during the policy period except for reduction of the aggregate limits due to payments of claims judgments or settlements. Failure to maintain such coverage required by law regulation or other governmental authority will not invalidate this insurance. However this insurance will apply as if the required coverage by law regulation or other governmental authority was in full effect. B. The following is added to Paragraph 4.b.1 under the Conditions section 4. Other Insurance b. Excess Insurance This insurance is excess over c Any of the other insurance whether primary excess contingent or on any other basis i If the insured s liability to pay damages is determined in a suit brought outside the United States of America including its territories and possessions Puerto Rico or Canada or i That is coverage required by law regulation or other governmental authority in a part of the coverage territorythat is outside the United States of America including its territories and possessions Puerto Rico or Canada. C. The definition of coverage territory in the Definitions section is replaced by the following Coverage territory means anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America. CG24220413 Insurance Services Office Inc. 2012 Page 10f 1 | 2 |
POLICY NUMBER GLO 5821852 01 CY NUMBER GLO 5821852 01 COMMERCIAL GENERAL LIABILITY CG 2503 0509 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECTS GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects A GENERAL AGGREGATE LIMIT APPLIES TO EACH CONSTRUCTION PROJECT WHERE THE NAMED INSURED IS PERFORMING OPERATIONS HOWEVER ONLY ONE GENERAL AGGREGATE LIMIT WILL APPLY TO ALL CONSTRUCTION PROJECTS WHERE THE NAMED INSURED IS PERFORMING OPERATIONS THAT ARE INSURED UNDER A WRAP UP OR ANY OTHER COMBINED CONSOLIDATED OR SIMILAR INSURANCE PROGRAM. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. 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 ongoing operations at a single designated construction project shown in the Schedule above 1. A separate Designated Construction Project General Aggregate Limit applies to each designated construction project and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated Construction Project 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 c. Persons or organizations making claims or bringing suits. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Construction Project General Aggregate Limit for that designated construction project. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Construction Project General Aggregate Limit for any other designated construction project shown in the Schedule above. 4. 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 Construction Project General Aggregate Limit. CG 2503 05 09 Insurance Services Office Inc. 2008 Page 10f 2 m | 2 |
B. 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 ongoing operations at a single designated construction project shown in the Schedule above 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 Construction Project 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 Construction Project General Aggregate Limit. D. If the applicable designated construction project has been abandoned delayed or abandoned and then restarted or if the authorized contracting parties deviate from plans blueprints designs specifications or timetables the project will still be deemed to be the same construction project. E. The provisions of Section Il Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. Page 2 of 2 Insurance Services Office Inc. 2008 CG 2503 05 09 o | 2 |
POLICY NUMBER GLO 5821852 01 POLICY NUMBER GLO 5821852 01 COMMERCIAL GENERAL LIABILITY CG 2504 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED LOCATIONS GENERAL AGGREGATELIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Locations ALL LOCATIONS OTHER THAN CONSTRUCTION PROJECTS OCCUPIED BY THE NAMED INSURED. Information required to complete this Schedule if not shown above will be shown in the Declarations. OTHER THAN CONSTRUCTION PROJECTS OCCUPIED BY THE A. 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. 2. 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 c. Persons or organizations making claims or bringing suits. 3. 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. 4. 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. CG 25 04 05 09 Insurance Services Office Inc. 2008 Page 10f 2 m | 2 |
B. 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 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 Il Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. Page 2 of 2 Insurance Services Office Inc. 2008 CG 25 04 05 09 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 391207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. 3 To any obligation to share damages with or to Exclusions of Section Coverage A Bodily In jury And Property Damage Liability This insurance does not apply to Bodily injuryto 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whomany of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. CG 26 391207 ISO Properties Inc. 2006 Page 10f 1 m | 2 |
EXT ENSION OF PROP ERTY DAMAGE COVERAGE COMPLETED OP ERATI ONS Policy No EF. Date of Pol Exp. Date of Pol Eff. Date of End. Producer Addl. Prem Return Prem. This endorsement modifies insurance provided under the following Comme rial General Liability Coverage Part SCHEDULE Deductible Amount of all damages subject to a minimum deductible of 3000000 If no entry appears above information required to complete this endorsement will be shown in the Declarations as applica ble to this endorse ment. Exclusion I. of SECTION I COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY is replaced by the following Damage to Your Work Property damage to your work arising out of it or any part of it and included in the products completed opera tions hazard. This exclusion does not apply 1 1If the damaged work or the work out of which the damage arises was performed on your behalf by a subcontrac tor or 2 If the damaged work and the work out of which the damage arises was performed by your employees and such damage was caused by a Fire b Smoke c Explosion or d Collapse of any building or structure. Our obligation to pay damages under subparagraph 1. 2 of this exclusion applies only to the amount of damages in excess of any deductible amount shown in the Schedule. That deductible amount applies to all damages because of property damage as the result of any one occurrence. The Limits of Insurance will not be reduced by the application of such deductible amount. U GL1056 A CW 502 Page 1of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
The terms of this insurance including those with respect to 1 Our right and duty to defend the insured against suits secking those damages and 2 Your duties in the event of an occurrence claim or suit apply irrespective of the application of the deductible amount. 3 We may pay any part of or all of the deductible amount to effect settlement of any claim or suit and upon noti fic ation of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 4 If another deductible amount applicable to this coverage part also applies to the property damage liability coverage provided by subparagraph 1. 2 of this exclusion the provisions of this exclusion apply and the deductible amount shown in the Schedule will apply in replacement of and not in addition to that other deductible amount. U GL1056 A CW 502 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
EARLIER NOTICE OF NON RENEWAL OR CHANGE IN COVERAGE olicy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. ddl. Prem Return Prem. This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Name Address Project Name Number Description Number or Day s Notice 90 If no entry appears above information required to complete this Schedule will be shown in the Declarations as applicable to this endorsement. A. For any statutorily permitted reason other than nonpayment of premium the number of days required for notice of non renewal as provided in the Policy Conditions as amended by an applicable state endorsement or as provided by an applicable state s change in coverage regulation is increased to the number of days shown in the Schedule above. B. We will not provide notice of non renewal andor change in coverage to the first Named Insured or any person or or ganization shown in the Schedule if 1. You have purchased insurance elsewhere 2. You have obtained replacement coverage or have agreed in writing to obtain replacement coverage 3. You have requested or agreed to non renewal or 4. We or another company within the same insurance group have offered to i U GL1093 A TX 0502 Page 1 of Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Fungi Bacteria Exclusion Disclosure Notice This insurance does not apply to or provides limited coverage as respects fungi or bacteria. You should refer to the specific fungi or bacteria endorsements indicated below for determination of specific terms and conditions as respects exclusion of any fungi or bacteria exposures that you may have. The following fungi or bacteria endorsements that are checked X apply in the indicated areas of the coverage territory 1SO FORM CG 00 01 Fungi or Bacteria Exclusion Endorsement U GL1171 ACW Fungus Exclusion Endorsement U GL1063 A CW or Limited Fungus Exclusion Endorsement U GL1046 A CW Fungi or Bacteria Exclusion I1SO form CG 2167 All states in the coverage territory except Applicable in the following states Applicable in the following states Georgia Limited Fungi or Bacteria Coverage GA Small Businesses CG 32 01 Other Applic Applicable in the following states Applicable only to risks with less than 25 employees or annual revenues less than 2.5 million. UGL11958 CW 604 Page 1 0of 1 | 2 |
Z ZURICH Advisory notice to policyholders regarding the U.S. Treasury Department s Office of Foreign Assets Control OFAC regulations 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 the U.S. Treasury Department s Office of Foreign Assets Control OFAC. Please read this Notice carefully. 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.treasury.govaboutorganizationalstructure offices Pages Office of Foreign Assets Control.aspx. 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 restrictions. When an insurance policy is considered to be such a blocked or frozen contract no payments or premium refunds may be made without authorization from OFAC. Other limitations on premiums and payments also apply. Includes copyrighted material of Insurance Services Office Inc. with its permission. UGU1041 A 311 Page 1 of 1 | 2 |
TATA AIG Tata AIG General Insurance Company Ltd. COMMERCIAL GENERAL LIABILITY SCHEDULE Agent Broker Producer Name J B Boda Insurance Brokers Pvt Ltd Agent Broker License Code DB13803 Agent Broker Contact No 022 66314949 POLICY NO. 0301004560 COMPANY NAME AREA PRODUCER NAME AREA NAMED INSURED Perkins Eastman Design Consultants India Pvt. Ltd MAILING ADDRESS Forbes Building Floor 5 Charanijit Rai Marg Fort Mumbai Maharashtra India PIN CODE 400001 POLICY PERIOD From 10 08 2016 To 09 08 2017 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. LIMITS OF INSURANCE MASTER CONTROL PROGRAM AGGREGATE LIMIT GENERAL AGGREGATE LIMIT INR 6.7 Crores Any One Occurrence and in the Aggregate. Other Than Products Completed Operations PRODUCTS COMPLETED OPERATIONS LIMIT PERSONAL ADVERTISING INJURY LIMIT INR 6.7 Crores Any One Occurrence and in the Aggregate. INR 335000 per occurrence INR 67000 per person DAMAGE TO PREMISES RENTED TO YOU MEDICAL EXPENSE LIMIT Coverage A of this insurance does not apply to bodily injury or property damage which occurs before the Retroactive Date if any shown below Retroactive Date NA. Page 1 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Tata AIG General Insurance Company Ltd. Form of Business O Individual O Partnership O Joint Venture B Organization Other than Partnership or Joint Venture Business Description Providing Architects and Engineering Consulting Services Premium INR 158120 Add 15 Service Tax INR 23718 Total Premium INR 181.838 Deductible INR 134000 each and every claim This policy is issued subject to the following 1. Defense Costs included in the Limit of Liability 2. Terrorism Legal Liability Coverage as per Endorsement subject to e Sub Limited to INR 6.7 Crores Any One Occurrence and in the Aggregate Defense Costs further sub limited to INR 6.7 Crores Any One Occurrence and in the Aggregate 3. Property Damage to Electronic Data Exclusion 4. Professional Liability Exclusion 5. Pure Financial Loss Exclusion 6. Aviation Liability Exclusion 7. Care Custody and Control Exclusion 8. Architects Engineers and Surveyors Professional Liability Exclusion 9. No cover for liability arising out of based upon or attributable to Construction Repair project exposures of any kind 10. War and Sabotage Exclusion. 11. Fines Penalties Punitive and Exemplary Damages Exclusion 12. Cancellation as per policy wordings 13. Deductible Endorsement 14. Coverage Territory General Aggregate India e Product and Completed Operations 15. Coverage Jurisdiction General Aggregate India e Product and Completed Operations IN WITNESS WHEREOF the undersigned being duly authorised by the Company and on behalf of the Company has hereunto set his hand at Mumbai this 13 day of August 2016. Service Tax Registration No AABCT3518QST004 The Stamp Duty of Rs.0.50 paise paid in cash or demand draft or by pay order vide receipt Challan no. MH001687292201617E dated the 09062016 Page 2 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 Www tatagiginsurance.in idual Venture scription ervice Tax m | 2 |
npany Ltd. TATA AIG INSURANCE For Tata AIG General Insurance Company Ltd. WWJ Atri Chakraborty National Head Operations System Tata AIG General Insurance Company Ltd. Policy Servicing Office Tata AlG General Insurance Co Ltd 6 Floor Trade World Tower A Kamla City Kamla Mills Compound Senapati Bapat Marg Lower Parel Mumbai400013.Tel No. 022 66382333 Fax No 022 66382390. Page 3 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA AIG Tata AIG General Insurance Company Ltd. 1. COMMERCIAL GENERAL LIABILITY POLICY PLEASE READ THE ENTIRE FORM CAREFULLY Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the Company providing this insurance. The word Insured means any person or organization qualifying as such under Section Il Who Is an Insured. Other words and phrases that appear in bold type have special meaning. Refer to Section V Definitions. WHEREAS you have made to us a Proposal which is hereby agreed to be the basis of this Policy and have paid to us the premium specified in the Schedule. NOW WE agree subject always to the following terms exclusions limitations and conditions to indemnify you in excess of the amount of the Deductible Retention and subject to the Limit of Indemnity against such loss as is herein provided. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Insuring Agreement a. We will pay those sums that the Insured becomes legally liable to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the Insured against any suit seeking those damages. However we will have no duty to defend the Insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. 3 Our duty to defend applies only in those countries in the coverage territory where Page 4 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 www.tataaiginsurance.in | 0 |
TATA AIG INSURANCE the laws of the territory permit us to defend. In those countries in the coverage territory where the laws of the territory do not permit us to defend we will reimburse you for your defense costs subject to our prior authorization in writing. No other liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and 3 Any claim or suit is made or brought in the coverage territory or the United States of America its territories and possessions Puerto Rico or Canada. c. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. 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 which the Insured is liable to pay as 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 legal 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 Page 5 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE b Such legal 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 claimed. c. Liquor Liability Bodily injury or property damage for which any Insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. d. Workers Compensation and Similar Laws Any liability of the Insured under a workers compensation disability benefits or unemployment compensation law or any similar law. e. 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 1 Whether the Insured may be liable as an employer or in any other capacity and 2 To any liability 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. f. Pollution Page 6 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE 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 b c d 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 from equipment used to heat that building 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 or never was owned or occupied by or rented or loaned to any Insured other than that additional Insured or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire 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 any Insured or any person or organization for whom you may be legally responsible or At or from any premises site or location on which any Insured or any contractors or subcontractors working directly or indirectly on any Insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such Insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such Insured contractor or subcontractor Page 7 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE i 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 iii 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. 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any Insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for 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 does not apply to 1 Awatercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 50 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 Page 8 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of the operation of any of the 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 due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection invasion act of foreign enemy civil commotion factional civil commotion terrorism military or usurped power rebellion or revolution. j Damage To Property Property damage to 1 Property you own rent or occupy Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 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 IIl 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. Page 9 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www in | 1 |
TATA AIG INSURANCE 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. k. 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. m. 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 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. n. 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. 0. Employment Related Practices Page 10 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA INSURANCE Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defamation harassment humiliation or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices describe in paragraphs a b or c above is directed. This exclusion applies 1 Whether the Insured may be liable as an employer or in any other capacity and 2 To any liability to share damages with or repay someone else who must pay damages because of the injury. p. Personal and advertising injury Bodily injury arising out of personal and advertising injury. q. Asbestos Property damage or bodily injury arising out of the manufacture of mining of use of sale of installation of removal of distribution of or exposure to asbestos products asbestos fibers or asbestos dust or to any liability of the Insured to indemnify any party because of damages arising out of such property damage or bodily injury as a result of manufacture of mining of use of sale of installation of removal of distribution of or exposure to asbestos products asbestos fibers or asbestos dust. r. Nuclear This policy does not cover liability for claims arising out of directly or indirectly caused by or contributed to by 1 ionizing radiations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel 2 the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof 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 Page 11 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 266 7780 1800 11 9966 Www | 1 |
TATA AIG INSURANCE a. We will pay those sums that the Insured becomes legally liable 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 IIl Limits Of Insurance and 2 Our right and duty to defend will end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. 3 Our duty to defend applies only in those countries in the coverage territory where the laws of the territory permit us to defend. In those countries in the coverage territory where the laws of the territory do not permit us to defend we will reimburse you for your defense costs subject to our prior authorization in writing. 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. Any claim or suit must be made or brought in the coverage territory or the United States of America its territories and possessions Puerto Rico or Canada. 2. Exclusions This insurance does not apply to a. Personal and advertising injury 1 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 2 Arising out of oral or written publication of material if done by or at the direction of the Insured with knowledge of its falsity 3 Avrising out of oral or written publication of material whose first publication took place before the beginning of the policy period 4 Avrising out of a criminal act committed by or at the direction of any Insured Page 12 0f 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE 5 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 6 Arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement 7 Arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement 8 Arising out of the wrong description of the price of goods products or services stated in your advertisement 9 Committed by an Insured whose business is advertising broadcasting publishing or telecasting. However this exclusion does not apply to Paragraphs 15.a. b. and c. of personal and advertising injury under the Definitions Section 10 Arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time 11 Arising out of the manufacture of mining of use of sale of installation of removal of distribution of or exposure to asbestos products asbestos fibers or asbestos dust or to any obligation of the Insured to indemnify any party because of damages arising out of the manufacture of mining of use of sale of installation of removal of distribution of or exposure to asbestos products asbestos fibers or asbestos dust or 12 Due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection invasion act of foreign enemy civil commotion factional civil commotion terrorism military or usurped power rebellion or revolution. 13 a To a person arising out of any i Refusal to employ that person i Termination of that person s employment or iii Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defamation harassment humiliation or discrimination directed at that person or b The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices describe in paragraphs i ii or iii above is directed. This exclusion 13 applies whether the Insured may be liable as an employer or in any other capacity and to any liability to share damages with or repay someone else who must pay damages because of the injury. b. Any loss cost or expense arising out of any Page 13 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www | 1 |
TATA AIG INSURANCE Request demand or order 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. 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 1 The accident takes place in the coverage territory and during the policy period 2 The expenses are incurred and reported to us within thirty days of the date of the accident and 3 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 x ray 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. To any Insured. b. To a person hired to do work for or on behalf of any Insured or a tenant of any Insured. c. To a person injured on that part of premises you own or rent that the person normally occupies. Page 14 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE d. 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. e. To aperson injured while taking part in athletics. f. Included within the products completed operations hazard. g. Excluded under Coverage A. h. Due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection invasion act of foreign enemy civil commotion factional civil commotion terrorism military or usurped power rebellion or revolution. 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. All expenses we incur. b. Up to 250 or equivalent thereof 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 applicable limit of insurance. We do not have to furnish these bonds. d. 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. e. All costs assessed or taxed against the Insured in the suit. f. 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. g. Allinterest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2. 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 Page 15 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE 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 This insurance applies to such liability assumed by the Insured 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 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 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 The indemnitee 1 Agrees in writing to a Co operate with us in the investigation settlement or defense of the suit b Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit c Notify any other insurer whose coverage is available to the indemnitee and d Co operate 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. So long as the above conditions are met legal fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b. 2 of Section Coverage A Bodily Injury and Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an Insured s indemnitee and to pay for legal 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 Page 16 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www in | 1 |
TATA AIG INSURANCE b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION II 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. An organization other than a partnership or a joint venture 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 with respect to the conduct of your business. 2. Each of the following is also an Insured a. Your employees other than either your executive officers if you are an organization other than a partnership or joint venture 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 is an Insured 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 or to a co employee while that co employee is either in the course of his or her employment or while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that co employee as a consequence of Paragraph 1a above For which there is any liability to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs 1a or b above or d Arising out of his or her providing or failing to provide professional health care services. 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 any Page 17 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www | 1 |
TATA AIG INSURANCE partner or member if you are a partnership or joint venture or any member b. Any person other than your employee or any organization while acting as your real estate manager. 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 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. With respect to mobile equipment registered in your name under any motor vehicle registration law any person is an Insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an Insured but only with respect to liability arising out of the operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an Insured with respect to a. Bodily injury to a co employee of the person driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an Insured under this provision. 4. Any organization you newly acquire or form other than a partnership or joint venture 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 or joint venture that is not shown as a Named Insured in the Declarations. SECTION Iil LIMITS OF INSURANCE Page 18 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the maximum 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 Master Control Program Aggregate is the maximum we will pay for the sum of damages paid under this policy and any local underlying policy. You will reimburse us within thirty 30 days of our request for any payment we make under this policy or any local underlying policy for damages or expenses after the Master Control Program Aggregate is exhausted. 3. Subject to 2. above the General Aggregate Limit is the maximum 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 Damages under Coverage B. 4. Subject to 2. above the Products Completed Operations Aggregate Limit is the maximum we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 5. Subject to 3. above the Personal and Advertising Injury Limit is the maximum 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. 6. Subject to 3. or 4. above whichever applies the Each Occurrence Limit is the maximum 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. 7. Subject to 6. above the Damage To Premises Rented To You Limit is the maximum we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 1. Subject to 6. above the Medical Expense Limit is the maximum we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. 2. All payments made under any local policy issued to you by us or any other insurance Page 19 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www | 1 |
TATA INSURANCE company will reduce the Limits of Insurance of this policy. 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 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. Notice of an occurrence or offense is not notice of a claim. b. If a claim is received by any Insured you must 1 Immediately record the specifics of the claim and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim as soon as practicable. 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 a suit 2 Authorize us to obtain records and other information 3 Co operate 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. Page 20 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www | 1 |
TATA AIG INSURANCE 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 in writing. 3. 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 obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 4. Other Insurance If other valid and collectible insurance is available to the Insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when 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 c. below. b. Excess Insurance This insurance is excess over 1 Any of the other insurance whether primary excess contingent or on any other basis a That is Fire Extended Coverage Builders Risk Installation Risk or similar coverage for your work b That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner c 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 Page 21 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE d If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section Coverage A Bodily injury And Property Damage Liability. Any other primary insurance available to you covering liability for damages arising out of the premises or operations for which you have been added as an additional Insured by attachment of an endorsement or 3 Any of the other insurance or your self insurance plan that that covers a loss on the same basis. When this insurance is excess we will have no duty under Coverages A or B to defend you against any suit if any other insurer has a duty to defend you against that suit. If no other insurer defends we will undertake to do so but we will be entitled to your rights against all those other insurers. 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 1 The total amount that all such other insurance would pay for the loss in the absence of this insurance and 2 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 described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. Method of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. 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. Audit premiums are due and payable on notice to the first Named Insured. 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. Page 22 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree oW 10. The statements in the Declarations are accurate and complete Those statements are based upon representations you made to us and We have issued this policy in reliance upon your representations. 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 As if each Named Insured were the only Named Insured and Separately to each Insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Others To Us If the Insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to 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. 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. Cancellation We may cancel this Policy by giving 30 days written notice of such cancellation to the last known address of the first named Insured and in such event we will return a pro rata portion of the premium subject to retaining the minimum premium prescribed under the Policy for the unexpired Policy Period. This Policy may also be cancelled by you by giving 30 days written notice to us in which event we will retain premium at the customary short period scale provided that there has been no Claim under the Policy during the Policy Period in which case no refund of premium shall be allowed. Page 23 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE c The payment or tender of any unearned premium by us shall not be a condition precedent to the effectiveness of cancellation but such payment shall be made as soon as practicable. 11. 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. 12. 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. 13. Inspections and Surveys a. We have the right to 1 make inspections and surveys at any time 2 give you reports on the conditions we find and 3 recommend changes. b. We are not obligated to make any inspections surveys reports or recommendations and such actions we do make relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake 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 warrant that conditions 1 are safe or healthful or 2 comply with laws regulations codes or standards. Paragraphs a. and b. of this condition apply not only to us but also to any rating advisory rate service or similar or other organization which makes insurance Inspections surveys reports or recommendations. d Paragraph b. of this condition does not apply to any inspections surveys reports or recommendations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or elevators. 14. Premiums The first Named Insured shown in the Declarations a. is responsible for the payment of all premiums and Page 24 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA INSURANCE b. will be the payee for any return premiums we pay. 15. 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 representative. Until your legal rep resentative is appointed anyone having proper temporary custody of your property will have your right and duties but only with respect to that property. 16. a Arbitration Any and all disputes or differences which may arise under out of in connection with or in relation to this Policy or to its existence validity or termination or to the determination of the amount or any amounts payable under this Policy shall be referred to a sole arbitrator to be appointed by the parties to the dispute within 30 days of any party giving notice of arbitration to the others. In the event that the parties are unable to agree upon the identity of a sole arbitrator the disputes or differences shall be referred to the decision of 3 arbitrators of whom one shall be appointed in writing by each of the parties within a period of 30 days after the failure to appoint a sole arbitrator and the third who shall serve as Chairman shall be appointed by the nominated arbitrators. In case either party shall refuse or fail to appoint an arbitrator within the aforesaid 30 days after receipt of notice in writing requiring an appointment the other party shall be at liberty to appoint a sole arbitrator who shall thereafter be empowered to conduct the arbitration and determine the disputes or differences referred to him as if he had been appointed a sole arbitrator with the consent of both parties. The parties shall share the expenses of the arbitrator or arbitral tribunal equally and such expenses along with the reasonable costs of the parties in the arbitration shall be awarded by the arbitrator or arbitral tribunal in favour of the successful party in the arbitration or where no party can be said to have been wholly successful to the party who has substantially succeeded. The place of arbitration shall be India the language of the arbitration shall be English the law applicable to and in the arbitration shall be Indian law and the arbitration process will be in accordance with the provisions of the Arbitration Conciliation Act 1996 as amended from time to time. It is a condition precedent to any right of action or suit upon this Policy that the award by such arbitrator or arbitrators shall be first obtained. In the event that these arbitration provisions shall be held to be invalid then all such disputes shall be referred to the exclusive jurisdiction of the Indian courts. 17. Governing Law Page 25 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 7780 1800 11 9966 Www U | 1 |
TATA AIG INSURANCE Any interpretation of this policy relating to its construction validity or operation shall be made in accordance with Indian law. 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. 2. Auto means a land motor vehicle trailer or semi trailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. 3. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. 4. Coverage territory means anywhere in the world including International waters or airspace but excluding the United States of America including its territories and possessions Puerto Rico and Canada. 9. a. 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 by laws or any other similar governing document. Hostile 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 It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by a. The repair replacement adjustment or removal of your product or your work or b. Your fulfilling the terms of the contract or agreement. Insured contract means 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 Page 26 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 Www tatagiginsurance.in | 1 |
TATA INSURANCE A sidetrack agreement Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 10. 11. 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 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 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. 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 Atfter it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto Page 27 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA INSURANCE b. While it is in or on an aircraft watercraft or auto or 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. 12. Local underlying policy means a primary policy effective on or after the inception of this policy which has been issued at our direction or coordinated by us specifically for this insurance program. 18. 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 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 f. Vehicles not described in a. b c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the 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 Page 28 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
14. 15. g. TATA AIG INSURANCE 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. 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 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 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 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. 16. 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. 17. 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 product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. Page 29 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA AIG INSURANCE c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any Insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy schedule states that products completed operations are subject to the General Aggregate Limit. 18. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. 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. 19. 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 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. 20. 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. 21. Terrorism means the unlawful use of violence against persons or property to further political objectives and which is intended to intimidate or coerce a government individuals or persons to modify their behavior or policies or an act which is verified by the United States Department of State as an act of terrorism. Terrorism does not include a. Any act of violence directed at a specific individual or individuals which is motivated by personal reasons specific to the parties i. e. robbery crime of passion murder or b. Any act of war or civil war. Page 30 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Hel 266 7780 1800 11 9966 Www | 1 |
TATA INSURANCE 22 Your product means a. Any goods or products other than real property manufactured sold handled distributed or disposed of by 1 You 2 Others trading under your name or 3 A person or organization whose business or assets you have acquired and b. Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. Your product includes a. Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and b. The providing of or failure to provide warnings or instructions. Your product does not include vending machines or other property rented to or located for the use of others but not sold. 23 Your work means a. Work or operations performed by you or on your behalf and b. Materials parts or equipment furnished in connection with such work or operations. Your work includes a. Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and b. The providing of or failure to provide warnings or instructions. Page 31 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 1 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 DEFENSE COSTS INCLUSIVE ENDORSEMENT It is hereby understood and agreed that notwithstanding anything stated to the contrary anywhere in the policy all expenses the Insurer incurs or all expenses incurred by the Insured at the Insurer s request to assist the Insurer in the investigation or defense of the claim or suit shall serve to reduce the limits of liability of this policy as stated in the Schedule. All other terms and conditions remain unchanged. Page 32 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 TERRORISM LIABILITY COVERAGE ENDORSEMENT Itis hereby agreed that SECTION COVERAGES is amended to include the following COVERAGE D TERRORISM LIABILITY 1. Insuring Agreement a. We agree to pay those sums that the insured becomes legally obligated to pay as damages because of i bodily injury or ii property damage that is caused by terrorism and 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 pursuant to Coverage D is limited in the aggregate to INR 6.7 Crores. For the avoidance of doubt the Limit applicable to Coverage D is a component of and payments made thereunder shall erode the General Aggregate Limit of the Policy. 2 Our defense obligation pursuant to Coverage D is limited to INR 6.7 Crores in the aggregate. This Limit is a component of and shall erode the Limit applicable to Coverage D described in 1 above. 3 Our duty to defend applies only to those countries in the coverage territory where legal circumstances permit us to defend. In those countries in the coverage territory where legal circumstances do not permit us to defend we will reimburse you for your defense costs subject to our prior authorization as well as paragraph 2 above. 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 involves terrorism and that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and 3 Any claim or suit is made or brought in the coverage territory. 2. Medical Payments Extension INR 67000 per injured person INR 6700000 aggregate Page 33 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U85110MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 www.tataaiginsurance.in | 2 |
a. TATA AIG INSURANCE We will pay medical expenses as described below for bodily injury caused by terrorism on premises you own or rent or on ways next to premises you own or rent provided that 1 The event takes place in the coverage territory and during the policy period 2 The expenses are incurred and reported to us within one year of the date of the accident and 3 The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. We will make these payments regardless of fault. These payments will not exceed INR 67000 per injured person and are subject to an aggregate limit of INR 6700000. The Limit applicable to the Medical Payments Extension to Coverage D is a component of and payments made thereunder shall erode the General Aggregate Limit of the Policy. We will pay reasonable expenses for 1 First aid administered at the time of an event 2 Necessary medical surgical x ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 3. Exclusions Applicable to Coverage D This insurance does not apply to a. e. Coverage A and C Exclusions injury or property damage excluded under Coverage A or Coverage C of the Computer Hacking Bodily injury or property damage caused by terrorism by electronic means including computer hacking or the introduction into any computer of any form of corrupting harmful or otherwise unauthorized instructions or code. This exclusion shall not apply to the detonation of any explosive bomb or missile which is controlled by any remote device or reliant upon electronic means in its launch guidance or firing systems. Nuclear Bodily injury or property damage due to nuclear reaction nuclear radiation or radioactive contamination however caused. Governmental Action Damages arising from any confiscation nationalization requisition or property damage by or pursuant to the order of any government or governmental entity. Financial Services Page 34 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA AIG INSURANCE Damages arising from your provision of financial services in violation of generally accepted anti money laundering andor anti terrorist financing principles and standards. 5. Definitions Applicable to Coverage D For the avoidance of doubt Coverage D is subject to all the terms of the Policy including SECTION V DEFINITIONS. a. Terrorism means the unlawful use of violence against persons or property to further political objectives and which is intended to intimidate or coerce a government individuals or persons to modify their behavior or policies or an act which is verified by the Government of India as an act of terrorism. Terrorism does not include 1 Any act of violence directed at a specific individual or individuals which is motivated by personal reasons specific to the parties i. e. robbery crime of passion murder or 2 Any act of war or civil war. All other terms conditions and exclusions shall remain the same. Page 35 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 PROPERTY DAMAGE TO ELECTRONIC DATA EXCLUSION Notwithstanding anything to the contrary stated in the policy or in any of the endorsements thereon it is hereby agreed and declared that this insurance does not apply to damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. 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. All other terms and conditions remain unchanged. Page 36 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 PROFESSIONAL LIABILITY EXCLUSION Notwithstanding anything stated to the contrary anywhere in the policy it is agreed that This insurance does not apply to any liability arising out of any act error omission malpractice or mistake of a professional nature committed by the Insured or any person for whom the Insured is legally responsible. It is understood 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. However this exclusion shall not apply to resultant Bodily Injury or Property Damage arising out of professional services performed by or on behalf of the Insured. All other terms and conditions remain unchanged. Page 37 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 PURE FINANCIAL LOSS EXCLUSION Notwithstanding anything contained in this policy to the contrary it is declared that this policy shall not apply to any liability arising out of financial monetary loss that is not a direct result of physical damage to property of a third party that was damaged bodily injury of third party All other terms and conditions remain unchanged. Page 38 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 AVIATION LIABILITY EXCLUSION Notwithstanding anything to the contrary mentioned in the policy or in any of the endorsements it is hereby declared that the policy will not cover any liability arising out of damage to aircraftsincluding missiles or spacecraft ground support or control equipment used therewith and electronic data employed in such aviation operations Itis also agreed that no coverages under this policy apply to any damages A arising out of Aircraft Products and Completed Operations or any reliance upon any representation or warranty made with respect thereto nor to any damages arising out of the grounding of any aircraft. Aircraft Product and Completed Operations It means 1 Aircraft including missiles or spacecraft and ground support or control equipment used therewith and electronic data employed in such aviation operations and any other goods or products manufactured sold handled or distributed by the Insured or any services provided or recommended by the Insured or by others trading under insured s name for use in the manufacture repair operation maintenance or use of any aircraft and 2 Any articles furnished by the Insured and installed in aircraft or used in connection with aircraft or for spare parts for aircraft including but not limited to ground handling tools and equipment training aids instructions manuals blueprints engineering or other data engineering or other advice and labor relating to such aircraft or articles. Grounding means the withdrawal of one or more aircraft for the flight operations or the imposition of speed passenger or load restrictions on such aircraft by reason of the existence of or alleged or suspected existence of any defect fault or condition in such aircraft or any part thereof sold handled or distributed by the Insured or manufactured assembled or processed by any other person or organization according to specifications plans suggestions orders or drawings of the Insured or with tools machinery or other equipment furnished to such persons or organizations by the Insured whether such aircraft so withdrawn are owned or operated by the same or different persons organizations or corporations. A grounding shall be deemed to commence on the date of an occurrence which discloses such condition or on the date an aircraft is first withdrawn from service on account of such condition whichever occurs first. B arising out of ownership maintenance use of aircrafts or any operations necessary or incidental to any airport or aircraft landing area. All other terms and conditions remain unchanged. Page 39 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 CARE CUSTODY AND CONTROL EXCLUSION It is hereby understood and agreed that the Insurer shall not be liable to make any payment for loss in connection with any claim made against the Insured arising out of based upon or attributable to any property within the Care Custody or Control of the Insured. Al other terms and conditions remain unchanged. Page 40 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 ARCHITECTS ENGINEERS OR SURVEYORS PROFESSIONAL LIABILITY EXCLUSION This endorsement modifies insurance provided as under The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you or any engineer architect or surveyor who is either employed by you or performing work on your behalf in such capacity. Professional services include 1. The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications and 2. Supervisory inspection architectural or engineering activities. All other terms and conditions remain unchanged. Page 41 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 WAR AND SABOTAGE EXCLUSION Notwithstanding anything stated in the contrary it is hereby understood and agreed that SECTION I COVERAGES 2 i in the policy which read as War Bodily injury or property damage due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection rebellion or revolution. This exclusion applies only to liability assumed under a contract or agreement. is deleted in its entirety and replaced with the following War Bodily injury or property damage due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection rebellion sabotage or revolution. All other terms and conditions remain unchanged. Page 42 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 FINES PENALTIES PUNITIVE OR EXEMPLARY DAMAGES EXCLUSION Notwithstanding anything to the contrary mentioned in the policy it is hereby declared that this Policy excludes all liability for fines penalties punitive or exemplary damages. All other terms and conditions remain unchanged. Page 43 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 SANCTIONS ENDORSEMENT The Insurer will not be liable to provide any coverage or make any payment hereunder if to do so would be in violation of any sanctions law or regulation which would expose the Insurer its parent company or its ultimate controlling entity to any penalty under any sanctions law or regulation. All other terms and conditions remain unchanged. Page 44 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 COVERAGE TERRITORY ENDORSEMENT It is hereby agreed and declared that SECTION V DEFINITIONS 4. Coverage Territory of the policy which reads as follows 4. Coverage territory means anywhere in the world including International waters or airspace but excluding the United States of America including its territories and possessions Puerto Rico and Canada is deleted in its entirety and replaced with the following 4. Coverage territory means For General Aggregate India For Product and Completed Operations All other terms and conditions remain unchanged. Page 45 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 COVERAGE JURISDICTION ENDORSEMENT It is hereby agreed and declared that SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1.Insuring Agreement b. 3 of the policy which reads as follows b. 3 Any claim or suit is made or brought in the coverage territory or the United States of America its territories and possessions Puerto Rico or Canada. is deleted in its entirety and replaced with the following b. 3 Any claim is made or suit is brought within or in accordance with the laws of countries specified below For General Aggregate India For Product and Completed Operations It is further agreed and declared that SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1.Insuring Agreement b. of the policy which reads as follows 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. Any claim or suit must be made or brought in the coverage territory or the United States of America its territories and possessions Puerto Rico or Canada. is deleted in its entirety and replaced with the following 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. Any claim or suit must be made or brought within or in accordance with the laws of countries specified above for General Aggregate. Al other terms and conditions remain unchanged. Page 46 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
TATA INSURANCE Attached to and forming part of policy no. 0301004560 DEDUCTIBLE ENDORSEMENT Notwithstanding anything to the contrary contained in the within mentioned policy it is hereby agreed and declared that 1. This insurance applies to amounts in excess of the Deductibles mentioned in the policy schedule and ultimately you are responsible for amounts within Deductibles regardless of whether we pay or incur amounts within the Deductible s. If we pay or incur damages or expenses then it is a condition of this insurance that you must reimburse us within thirty 30 days of our request for these amounts upto the amount of the applicable Deductibles shown in the policy schedule. Except in respect of Fire Damage Limit or Damage to Premises rented to you Limit to which no Deductible applies the applicable Deductible amount for coverages A B is shown in the Schedule. Each applicable Deductible or Retention shown in the Schedule applies separately from and in addition to any other applicable Deductible or Retention shown in the Schedule. The applicable Deductible or Retention amount applies separately to each separate claim made against any Insured under the applicable coverage. Deductibles apply separately to each consecutive annual period and to any remaining period and to any extension period of less than twelve 12 months starting with the beginning of the policy period shown in the Schedule. Amounts that are within the Deductibles will reduce the Aggregate Limits of Insurance. The Limits of Insurance will not be increased or reinstated by any Deductibles or any amount that you must reimburse to us in connection with any Deductibles shown in the Schedule. The amount of any applicable Deductible will not be less than the amount shown in the Schedule regardless of whether this insurance or this endorsement is i. Issued for a period of less than twelve 12 months or ii. Terminated before the end of the policy period for any reason. Regardless of the application of any Deductible i. The terms and conditions of this insurance continue to apply including those with respect to our rights to investigate any claim or other loss circumstance and to make any settlement. ii. The requirement of this insurance for you to notify us of any claims or other loss circumstances under the applicable coverage continues to apply. iii. We may at our discretion initiate or control any appeal of a judgment if we consider such a judgment or appeal may result in payment under this insurance. All other terms and conditions remain unchanged. s Page 47 of 47 TATA AIG General Insurance Company Limited Regd. Office 15th Floor Tower A Peninsula Business Park Ganpatrao Kadam Marg Lower Parel Mumbai 400013 Maharashtra India. IRDA Registration No. 108 CIN no. U851 10MH2000PLC128425 TEL 491 22 66699696 FAX 91 22 66546464 For more information call the Tata AIG Helpline 1800 266 7780 1800 11 9966 ww tataaiginsurance | 2 |
PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 Presented by LOCKTON COMPANIES LLC PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 Presented bv LOCKTON COMPANIES LLC PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 | 2 |
A TRAVELERS J One Tower Square Hartford Connecticut 06183 TRAVELERS CORP. TEL 1 800 328 2189 COMMERCIAL BUILDING COMMON POLICY DECLARATIONS ISSUE DATE 051221 POLICY NUMBER I660 4H356070 IND21 INSURING COMPANY POLICY NUMBER I660 4H356070 IND21 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY 1. NAMED INSURED AND MAILING ADDRESS NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 2. POLICY PERIOD From 070121 to 070122 1201 A.M. Standard Time at your mailing address. 3. LOCATIONS Premises Bldg. Loc. No. No. Occupancy Address SEE IL TO 03 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES COMMERCIAL GENERAL LIABILITY COV PART DECLARATIONS CG TO 01 11 03 IND. NUMBERS OF FORMS AND ENDORSEMENTS FORMING A PART OF THIS POLICY SEE IL T8 01 10 93 SUPPLEMENTAL POLICIES Each of the following is a separate policy containing its complete provisions Policy Policy No. Insuring Company DIRECT BILL 7. PREMIUM SUMMARY Provisional Premium Due at Inception Due at Each 1682 COUNTERSIGNED BY NAME AND ADDRESS OF AGENT OR BROKER LOCKTON COMPANIES LLC 54274 444 W 47TH ST STE 900 KANSAS CITY MO 64112 Authorized Representative DATE IL TO 02 11 89REV. 09 07 OFFICE KANSAS CITY PAGE 1 OF 1 | 2 |
PN TRAVELERS POLICY NUMBER I660 4H356070 IND21 EFFECTIVE DATE 07 01 21 ISSUE DATE 05 12 21 LISTING OF FORMS ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS. IL TO 02 11 89 IL T8 01 10 93 IL TO 01 01 07 IL TO 03 04 96 COMMON POLICY DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS LOCATION SCHEDULE COMMERCIAL GENERAL LIABILITY CcG cG CcG cG cG CcG cG CcG cG cG CcG cG CcG cG cG CcG cG cG 01 07 08 34 00 COML GENERAL LIABILITY COV PART DEC DECLARATIONS PREMIUM SCHEDULE KEY TO DECLARATIONS PREMIUM SCHEDULE TABLE OF CONTENTS COM GEN LIAB COV COMMERCIAL GENERAL LIABILITY COV FORM EXCL REAL ESTATE DEV ACTIVITIES COMPL OP XTEND ENDORSEMENT AMEND NON CUMULATION OF EACH OCC FUNGI OR BACTERIA EXCLUSION AMEND CONTRAC LIAB EXCL EXC TO NAMED INS EXCL VIOLATION OF CONSUMER FIN PROT LAWS EXCLUSION DISCRIMINATION EXCL AIRCRAFT PROD AND GROUNDING MISSOURI CHGS DEFINITION OF POLLUTANTS AMEND DUTIES OCCUR OFF CLAIM SUIT COND MISSOURI CHANGES MEDICAL PAYMENTS LIMIT WHEN TWO OR MORE POLICIES APPLY MO CHANGES GUARANTY ASSOCIATION INTERLINE ENDORSEMENTS IL T3 IL T4 IL T4 IL T4 IL 00 IL 02 68 12 14 FED TERRORISM RISK INS ACT DISCLOSURE AMNDT COMMON POLICY COND PROHIBITED COVG CAP ON LOSSES FROM CERT ACTS OF TERRORIS ADDITIONAL BENEFITS NUCLEAR ENERGY LIAB EXCL END BROAD FORM MISSOURI CHGS CANCELLATION NONRENEWAL PAGE ILT8011093 | 2 |
COMMON POLICY CONDITIONS A. Cancellation 1. The first Named Insured shown in the Decla rations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy or any Coverage Part by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of can cellation if we cancel for nonpayment of premium or b. 30 days before the effective date of can cellation if we cancel for any other rea son. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known tous. 4. Notice of cancellation will state the effective date of cancellation. If the policy is cancelled that date will become the end of the policy period. If a Coverage Part is cancelled that date will become the end of the policy period as respects that Coverage Part only. 5. If this policy or any Coverage Part is can celled we will send the first Named Insured any premium refund due. If we cancel the re fund will be pro rata. If the first Named In sured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a re fund. 6. If notice is mailed proof of mailing will be sufficient 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 Declara tions 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 as 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 D. All Coverage Parts included in this policy are subject to the following conditions 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 b. Give you reports on the conditions we find and c. Recommend changes. 2. We are not obligated to make any inspec tions surveys reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake 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 warrant 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 advi sory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or rec ommendations we may make relative to certi fication under state or municipal statutes or dinances or regulations of boilers pressure vessels or elevators. Premiums 1. The first Named Insured shown in the Decla rations a. Is responsible for the payment of all pre miums and b. Will be the payee for any return premi ums we pay. 2. We compute all premiums for this policy in accordance with our rules rates rating plans premiums and minimum premiums. The pre mium shown in the Declarations was com puted based on rates and rules in effect at Page 1of 2 IL TO 01 01 07 Rev. 09 18 Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
the time the policy was issued. On each re newal continuation or anniversary of the ef fective date of this policy we will compute the premium in accordance with our rates and rules then in effect. F. 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 in sured. If you die your rights and duties will be trans ferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed anyone having proper temporary cus tody of your property will have your rights and duties but only with respect to that property. Equipment Breakdown Equivalent to Boiler and Machinery On the Common Policy Declarations the term Equipment Breakdown is understood to mean and include Boiler and Machinery and the term Boiler and Machinery is understood to mean and include Equipment Breakdown. This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that declarations form. In return for payment of the premium we agree with the Named Insured to provide the insurance afforded by a Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part. One of the companies listed below each a stock company has executed this policy and this policy is counter signed by the officers listed below The Travelers Indemnity Company IND The Phoenix Insurance Company PHX The Charter Oak Fire Insurance Company COF Travelers Property Casualty Company of America TIL The Travelers Indemnity Company of Connecticut TCT The Travelers Indemnity Company of America TIA Travelers Casualty Insurance Company of America ACJ President Wty C S Page 2 of 2 Includes the copyrighted material of Insurance Services Office Inc. with its permission. IL. TO 01 01 07 Rev. 09 18 | 2 |
LOCATION SCHEDULE POLICY NUMBER I660 4H356070 IND21 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 07 01 21 to 07 01 22. Loc. Bldg. No. No. Address Occupancy 1 1 701 E 101ST TER OFFICE KANSAS CITY MO 64131 Occupancy OFFICE IL TO 03 04 96 Page 1 END | 2 |
GENERAL LIABILITY | 2 |
GENERAL LIABILITY | 2 |
A TRAVE. ERS.I One Tower Square Hartford Connecticut 06183 COMMERCIAL GENERAL LIABILITY POLICY NO. I660 4H356070 IND21 COVERAGE PART DECLARATIONS ISSUE DATE 05 12 21 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY DECLARATIONS PERIOD From 07 01 21 to 07 01 22 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial General Liability Coverage Part consists of these Declaration s and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE General Aggregate Limit 2000000 Other than Products Completed Operations Products Completed Operations Aggregate Limit 2000000 Personal Advertising Injury Limit 1000000 Each Occurrence Limit 1000000 Damage To Premises Rented To You Limit any one premises 300000 Medical Expense Limit any one person 5000 LIMITS OF INSURANCE 2000000 w v n n v 2000000 1000000 1000000 300000 5000 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS LLC 4. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMIT Page 10of 1 OFFICE KANSAS CITY 095 CGT0011103 PRODUCER LOCKTON COMPANIES LLC nan nan nan nan 54274.0 | 2 |
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER I660 4H356070 IND21 This Schedule applies to the Declarations for the period of 07 01 21 to 07 01 22 It shows all of your known rating classes as of the effective date. Any except ions will be so noted. This includes all locations you own rent or occupy. Loc CLASS PREMIUM OPN BLDG DESCRIPT BASE ADVANCE NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM MINIMUM PREMIUMS PREM OPS 234 LOB 250 234 250 1 1 BUILDINGS OR PREMISES BANK OR OFFICE MERCANTILE OR MANUFACTURING LESSOR S RISK ONLY OTHER THAN NOT FOR PROFIT PRODUCTS COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE LIMIT. 61212 PREM OPS A 22563 74.546 1682 COVERAGE PART TOTAL 1682 nan nan nan nan 1.0 This class is subject to the prem ops transition program. j If an X is entered in this box these Declarations are completed on the Premium Schedule Extension CG T0 12. CG T0 07 09 87 PAGE 1 END | 2 |
KEY TO DECLARATIONS PREMIUM SCHEDULE ABBREVIATIONS CLASS DESCRIPT means CLASS DESCRIPTION LOC BLDG NO. means LOCATION BUILDING NUMBER OPN NO. means OPERATION NUMBER PREM OPS means PREMISES OPERATIONS PROD C OPS means PRODUCTS COMPLETED OPERATIONS PREMIUM BASE Key Letter Premium Base a Area c Total Cost m Admissions o Total Operating Expense p Payroll s Gross Sales t see note below u Units How Rates Apply per 1000 square feet per 1000 of total cost per 1000 admissions per 1000 of total operating expenditures per 1000 of payroll per 1000 of gross sales see note below per unit Premium base t applies for a number o f rarely used premium bases. The specific base and how rates apply are shown with the Class Description on the DECLARATIONS PREMIUM SCHEDULE. Copyright The Travelers Indemnity Company 2003 Page 10of 1 CG T0 08 1103 | 2 |
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