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COMMERCIAL GENERAL LIABILITY INJURY LIABILITY is replaced by the phrase We will indemnify the in sured for..... 2 You must arrange to defend the in sured against and investigate or set tle any claim or suit. Neither you nor any other involved insured will make any settlement without our consent. We will pay expenses incurred with our consent for your defense of the insured against any suit seeking damages for bodily injury property damage personal injury or adver tising injury to which this insurance applies. 5 We may at our discretion participate in defending the insured against or in the settlement of any claim or suit. 3 4 2. The following is added to the DEFINITIONS Section Prohibited area means any country or juris diction while any trade sanction embargo or similar regulation imposed by the United States of America applies to and prohibits the transaction of business with or within such country or jurisdiction. D. DAMAGE TO PREMISES RENTED TO YOU 1. The following replaces the last paragraph of Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABIL ITY Exclusions c. through n. do not apply to dam age to premises while rented to you or tem porarily occupied by you with permission of the owner caused by a. Fire b. Explosion c. Lightning d. Smoke resulting from such fire explosion or lightning or e. Water. A separate limit of insurance applies to such damage to premises as described in Para graph 6. of Section Il Limits Of Insurance. This insurance does not apply to damage to premises while rented to you or temporarily occupied by you with permission of the owner caused by the prohibited area or in a settlement we agree to. With respect to occurrences that take place or personal injury or advertising injury of fenses committed within the territory de scribed in Paragraph c. above the following conditions apply U ii This insurance is excess over any valid and collectible other insurance available to the insured whether primary excess contingent or on any other basis. This insurance is not a substitute for compulsory admitted insurance in any country or jurisdiction included in Para graph c. above regardless of whether this insurance would qualify as compul sory admitted insurance in such country or jurisdiction or is accepted by the ap propriate authorities as proof of compul sory admitted insurance. You agree to maintain compulsory ad mitted insurance at the limits required by law. Your failure to do so will not invali date the coverage provided for such oc currences or offenses but we will only be liable to the same extent we would have been liable had you maintained compulsory admitted insurance. For purposes of this Paragraph ii compulsory admitted insurance means insurance that is 1 Required to be in force to satisfy the legal requirements of a specific coun try or jurisdiction and 2 Issued by an insurance fund adminis tered by such country or jurisdiction or issued by an insurer licensed or permitted by law to do business in such country or jurisdiction. iii With respect to defending the insured against or the investigation or settlement of any claim or suit brought against the insured the following will apply 1 The phrase We will pay.... in the first sentence of Paragraph 1.a. of SECTION COVERAGES COV ERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Paragraph 1.a. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING CG D467 1208 Page 3 of 9 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 5. The following replaces Paragraph 4.b.1b of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS b That is insurance for premises rented to you or temporarily occupied by you with the permission of the owner E. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of SECTION IV COMMERCIAL GENERAL LI ABILITY CONDITIONS We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of premises owned or occupied by or rented or loaned to you ongoing operations performed by you or on your behalf done under a contract with that person or organization your work or your products. We waive this right where you have agreed to do so as part of a written contract executed by you prior to loss. F. BLANKET ADDITIONAL INSURED OWNERS MANAGERS OR LESSORS OF PREMISES The following is added to SECTION Il WHO IS AN INSURED Any person or organization that is a premises owner manager or lessor and that you have agreed in a written contract or agreement to name as an additional insured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage personal injury or advertising injury that a. Is bodily injury or property damage caused by an occurrence that takes place or per sonal injury or advertising injury caused by an offense that is committed after you have signed and executed that contract or agree ment and b. Arises out of the ownership maintenance or use of that part of any premises leased to you. The insurance provided to such premises owner manager or lessor is subject to the following pro visions a. The limits of insurance provided to such premises owner manager or lessor will be the limits which you agreed to provide in the written contract or agreement or the limits shown on the Declarations of this Coverage Part whichever are less. b. The insurance provided to such premises owner manager or lessor does not apply to a. Rupture bursting or operation of pres sure relief devices b. Rupture or bursting due to expansion or swelling of the contents of any building or structure caused by or resulting from wa ter c. Explosion of steam boilers steam pipes steam engines or steam turbines. 2. The following replaces Paragraph 6. of SEC TION lll LIMITS OF INSURANCE Subject to 5. above the Damage To Prem ises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or temporarily occupied by you with permission of the owner caused by fire explosion lightning smoke resulting from such fire explosion or lightning or wa ter. The Damage To Premises Rented To You Limit will apply to all damage proximately caused by the same occurrence whether such damage results from fire explosion lightning smoke resulting from such fire ex plosion or lightning water or any combina tion of any of these. The Damage To Premises Rented To You Limit will be the higher of a. 300000 or b. The amount shown on the Declarations of this Coverage Part for Damage To Prem ises Rented To You Limit. 4. The following replaces Paragraph a. of the definition of insured contract in the DEFINI TIONS Section a. A contract for a lease of premises. How ever that portion of the contract for a lease of premises that indemnifies any person or organization for damage to premises while rented to you or tempo rarily occupied by you with permission of the owner caused by 1 Fire 2 Explosion 3 Lightning 4 Smoke resulting from such fire ex plosion or lightning or 5 Water. is not an insured contract Page 4 of 9 CG D467 1208 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 1 Bodily injury or property damage caused by an occurrence that takes place or personal injury or advertising injury caused by an offense that is com mitted after you cease to be a tenant in that premises or Structural alterations new construction or demolition operations performed by or on behalf of such premises owner manager or lessor. c. The insurance provided to such premises owner manager or lessor is excess over any valid and collectible other insurance available to such premises owner manager or lessor unless you have agreed in a written contract for this insurance to apply on a primary or contributory basis. G. BLANKET ADDITIONAL INSURED LESSORS OF LEASED EQUIPMENT The following is added to SECTION Il WHO IS AN INSURED Any person or organization that is an equipment lessor and that you have agreed in a written con tract or agreement to include as an additional in sured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage personal injury or advertis ing injury that a. s bodily injury or property damage caused by an occurrence that takes place or per sonal injury or advertising injury caused by an offense that is committed after you have signed and executed that contract or agree ment and b. s caused in whole or in part by your acts or omissions in the maintenance operation or use by you of equipment leased to you by such equipment lessor. The insurance provided to such equipment lessor is subject to the following provisions a. The limits of insurance provided to such equipment lessor will be the limits which you agreed to provide in the written contract or agreement or the limits shown on the Decla rations of this Coverage Part whichever are less. b. The insurance provided to such equipment lessor does not apply to any bodily injury or property damage caused by an occur rence that takes place or personal injury or 2 advertising injury caused by an offense that is committed after the equipment lease ex pires. The insurance provided to such equipment lessor is excess over any valid and collectible other insurance available to such equipment lessor unless you have agreed in a written contract for this insurance to apply on a pri mary or contributory basis. H. INCIDENTAL MEDICAL MALPRACTICE 1. The following is added to the definition of oc currence in the DEFINITIONS Section Unless you are in the business or occupation of providing professional health care services occurrence also means an act or omission committed in providing or failing to provide incidental medical services to a person. The following is added to the DEFINITIONS Section Incidental medical services means a. Medical surgical dental laboratory x ray or nursing service or treatment advice or instruction or the related furnishing of food or beverages b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances c. First aid or d. Good Samaritan services. Good Samaritan services means any emer gency medical services for which no compen sation is demanded or received. The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Unless you are in the business or occupation of providing professional health care services Paragraphs 1a b c and d above do not apply to any bodily injury arising out of any providing or failing to provide incidental medical services by any of your employ ees other than an employed doctor. Any such employees providing or failing to pro vide incidental medical services during their work hours for you will be deemed to be act ing within the scope of their employment by you or performing duties related to the con duct of your business. The following exclusion is added to Para graph 2. Exclusions of SECTION COV CG D467 1208 Page 5 of 9 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY mitted subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable at torneys fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of personal injury provided that a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorney fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this in surance applies are alleged. 2. The following replaces the third sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B Notwithstanding the provisions of Paragraph 2.b.2 of Section 1 Coverage A Bodily In jury And Property Damage Liability or Para graph 2.e. of Section Coverage B Per sonal and Advertising Injury Liability such payments will not be deemed to be damages because of bodily injury property damage or personal injury and will not reduce the limits of insurance. 3. The following replaces Paragraph 2.d. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B d. The allegations in the suit and the in formation we know about the occur rence or offense are such that no conflict appears to exist between the interests of the insured and the interests of the in demnitee 4. The following replaces the first subparagraph of Paragraph f. of the definition of insured contract in the DEFINITIONS Section f. That part of any other contract or agree ment pertaining to your business includ ing 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 property damage or per sonal injury to a third person or organiza tion. Tort liability means a liability that ERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Sale Of Pharmaceuticals Bodily injury or property damage arising out of the willful violation of a penal statute or ordinance relating to the sale of pharmaceuti cals committed by or with the knowledge or consent of the insured. The following is added to Paragraph 5. of SECTION Il LIMITS OF INSURANCE For the purposes of determining the applica ble Each Occurrence Limit all related acts or omissions committed in the providing or fail ing to provide incidental medical services to any one person will be considered one oc currence. The following is added to Paragraph 4.b. Ex cess Insurance of SECTION IV COM MERCIAL GENERAL LIABILITY CONDI TIONS This insurance is excess over any valid and collectible other insurance whether primary excess contingent or on any other basis that is available to any of your employees for bodily injury that arises out of providing or failing to provide incidental medical services to any person to the extent not subject to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED. I. PERSONAL INJURY ASSUMED BY CON TRACT 1. The following replaces Exclusion e. Contrac tual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE B PER SONAL AND ADVERTISING INJURY LI ABILITY e. Contractual Liability Personal injury or advertising injury for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to 1 Liability for damages that the insured would have in the absence of the contract or agreement or Liability for damages because of personal injury assumed in a con tract or agreement that is an insured contract provided that the personal injury is caused by an offense com 2 Page 6 of 9 CG D467 1208 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 1 Fifty feet long or less and 2 Not being used to carry any person or property for a charge. N. INCREASED SUPPLEMENTARY PAYMENTS 1. 2. The following replaces Paragraph 1.b. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER AGES b. Up to 2500 for cost of bail bonds re quired 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 fur nish these bonds. The following replaces Paragraph 1.d. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER AGES 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 500 a day because of time off from work. 0. KNOWLEDGE AND NOTICE OF OCCUR RENCE OR OFFENSE The following is added to Paragraph 2. Duties In The Event of Occurrence Offense Claim or Suit of SECTION IV COMMERCIAL GEN ERAL LIABILITY CONDITIONS e. The following provisions apply to Paragraph a. above but only for the purposes of the in surance provided under this Coverage Part to you or any insured listed in Paragraph 1. or 2. of Section Il Who Is An Insured 1 Notice to us of such occurrence or of fense must be given as soon as practica ble only after the occurrence or offense is known to you if you are an individual any of your partners or members who is an individual if you are a partnership or joint venture any of your managers who is an individual if you are a limited liability company any of your trustees who is an individual if you are a trust any of your executive officers or directors if you are an organization other than a partnership joint venture limited liability company or trust or any employee authorized by you to give notice of an occurrence or offense. would be imposed by law in the absence of any contract or agreement. J. EXTENSION OF COVERAGE BODILY IN JURY The following replaces the definition of bodily injury in the DEFINITIONS Section Bodily injury means bodily injury mental an guish mental injury shock fright disability hu miliation sickness or disease sustained by a per son including death resulting from any of these at any time. K. BODILY INJURY TO CO EMPLOYEES AND CO VOLUNTEER WORKERS The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Paragraph 1a above does not apply to bodily injury to a coemployee in the course of the co employee s employment by you or performing duties related to the conduct of your business or to bodily injury to your other volunteer workers while performing duties related to the conduct of your business. L. AIRCRAFT CHARTERED WITH CREW The following is added to Exclusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY This exclusion does not apply to an aircraft that is a Chartered with crew to any insured b Not owned by any insured and c Not being used to carry any person or prop erty for a charge. M. NON OWNED WATERCRAFT 1. The following replaces Paragraph 2 of Ex clusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 A watercraft you do not own that is a Fifty feet long or less and b Not being used to carry any person or property for a charge. 2. The following is added to Paragraph 2. of SECTION Il WHO IS AN INSURED Any person or organization that with your ex press or implied consent either uses or is re sponsible for the use of a watercraft that you do not own that is CG D467 1208 Page 7 of 9 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 2 If you are a partnership joint venture lim ited liability company or trust and none of your partners joint venture members managers or trustees are individuals no tice to us of such occurrence or offense must be given as soon as practicable only after the occurrence or offense is known by a Any individual who is i A partner or member of any part nership or joint venture ii A manager of any limited liability company iii A trustee of any trust or iv An executive officer or director of any other organization that is your partner joint venture member manager or trustee or Any employee authorized by such partnership joint venture limited li ability company trust or other organi zation to give notice of an occur rence or offense. 3 Notice to us of such occurrence or of fense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers compensation insurer. This applies only if you subsequently give notice to us of the occurrence or offense as soon as prac ticable after any of the persons described in Paragraphs e.1 or 2 above discov ers that the occurrence or offense may result in sums to which the insurance provided under this Coverage Part may apply. However if this policy includes an endorse ment that provides limited coverage for bod ily injury or property damage or pollution costs arising out of a discharge release or escape of pollutants which contains a re quirement that the discharge release or es cape of pollutants must be reported to us within a specific number of days after its abrupt commencement this Paragraph e. does not affect that requirement. P. UNINTENTIONAL OMISSION The following is added to Paragraph 6. Repre sentations of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS The unintentional omission of or unintentional error in any information provided by you which b we relied upon in issuing this policy will not preju dice your rights under this insurance. However this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulations.. REASONABLE FORCE BODILY INJURY OR PROPERTY DAMAGE The following replaces Exclusion a. Expected Or Intended Injury in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY a. Expected or Intended Injury or Damage Bodily injury or property damage expected or intended from the standpoint of the in sured. This exclusion does not apply to bod ily injury or property damage resulting from the use of reasonable force to protect any person or property.. TRANSPORTATION EXPENSES FOR REPA TRIATION OR RELOCATION OF INJURED OR SICK EMPLOYEES 1. The following is added to SUPPLEMENTARY PAYMENTS COVERAGE A AND B of SECTION COVERAGES We will reimburse you for the reasonable transportation expenses that you incur over and above normal transportation costs for the repatriation or relocation of any of your in jured diseased sick or deceased employ ees. But only if a. The injury disease sickness or death occurred during the policy period and while such employee was employed or assigned to work by you anywhere in the world other than 1 The United States of America includ ing its territories and possessions Puerto Rico and Canada and 2 Any country or jurisdiction in the prohibited area b. The relocation or repatriation is neces sary in the opinion of competent medical authorities and c. The relocation or repatriation is from the country where the injury disease sick ness or death occurred to a destination in another country. The most we will pay as reasonable trans portation expenses for the repatriation or re location of any one of your employees is Page 8 of 9 CG D467 1208 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 25000. The most we will pay as reasonable transportation expenses for the repatriation or relocation of all of your employees is 50000. These payments will not reduce the limits of insurance. The following is added to Paragraph 4.b. Ex cess Insurance of SECTION IV COM MERCIAL GENERAL LIABILITY CONDI TIONS This insurance is excess over any valid and collectible other insurance whether primary excess contingent or on any other basis that is available for the reasonable transportation expenses that you incur over and above normal transportation costs for the repatria tion or relocation of any of your injured dis eased sick or deceased employees. 3. The following is added to the DEFINITIONS section Normal transportation costs means the costs of transporting your employee in good health and in conformance with your busi ness travel policy from the country of injury disease sickness or death to the country of relocation or repatriation. Transportation expenses includes the fol lowing expenses a. Costs of embalming to meet United States standards and b. All reasonable expenses of transportation to return the remains of the deceased to the country of burial or funeral. CG D467 1208 Page 9 of 9 2008 The Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contrib uted concurrently or in any sequence to such injury or damage. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Personal injury or advertising injury which would not have taken place in whole or in part but for the actual al leged or threatened inhalation of inges tion of contact with exposure to exis tence of or presence of any fungi or bacteria on or within a building or struc ture including its contents regardless of whether any other cause event material or product contributed concurrently or in any sequence to such injury. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Defini tions Section Fungi means any type or form of fungus in cluding mold or mildew and any mycotoxins spores scents or byproducts produced or re leased by fungi. CG D243 01 02 Copyright The Travelers Indemnity Company 2002 Includes copyrighted material of Insurance Services Office Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE PROPERTY DAMAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PROVISIONS The definition of property damage in SECTION V DEFINITIONS is deleted in its entirety and replaced by the following 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 physi cally injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. Property damage does not include loss of or dam age to electronic media and records. As used in this definition electronic media and records means a. Electronic data processing recording or storage media such as films tapes discs drums or cells b. Data stored on such media or Programming records for electronic data process ing or electronically controlled equipment. CG D256 11 03 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY 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 Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily in jury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 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 Per sonal And Advertising Injury Liability This insurance does not apply to Personal 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 de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or The spouse child parent brother or sister of that person as a consequence of personal injury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CG D288 1103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNSOLICITED COMMUNICATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY Unsolicited Communication Bodily injury or property damage arising out of any actual or alleged violation of any law that re stricts or prohibits the sending transmitting or dis tributing of unsolicited communication. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Unsolicited Communication Personal injury or advertising injury arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication. The following is added to the DEFINITIONS Sec tion Unsolicited communication means any commu nication in any form that the recipient of such communication did not specifically request to re ceive. exclusion is added to Paragraph 2. of SECTION COVERAGES. A BODILY INJURY AND PROP GE LIABILITY Communication Page 1 of 1 CG D326 10 11 2011 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS A. Exclusion g. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section I Coverages is deleted and replaced by the fol lowing g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or en trustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property dam age involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 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 Liability assumed under any insured con tract for the ownership maintenance or use of aircraft or watercraft or 3 4 5 Bodily injury or property damage aris ing out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equip ment if it were not subject to a com pulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged or b The operation of any of the machin ery or equipment listed in Paragraph.2 or.3 of the definition of mo bile equipment.. SECTION V DEFINITIONS The definition of auto paragraph 2. is deleted and replaced by the following 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads in cluding any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged. However auto does not include mobile equipment. The definition of mobile equipment is deleted and replaced by the following 12. Mobile equipment means any of the follow ing types of land vehicles including any at tached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads CG D356 0105 Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved. Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY Vehicles maintained for use solely on or next to premises you own or rent Vehicles that travel on crawler treads Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders dig gers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers 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 genera tors including spraying welding building cleaning geophysical explo ration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers 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 con struction or resurfacing or c Street cleaning Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and genera tors including spraying welding building cleaning geophysical explo ration lighting and well servicing equipment. However mobile equipment does not in clude any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged. Land vehicles subject to a compulsory or fi nancial responsibility law or other motor vehi cle insurance law are considered autos. C. WHO IS AN INSURED Paragraph 3. of SECTION Il Who Is An Insured is deleted. 2 Page 2 of 2 Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved. CG D3 56 01 05 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following replaces Paragraph 2 of Exclusion b. Contractual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Assumed by you in a contract or agreement that is an insured contract provided that the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an insured contract rea sonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of bodily injury or property dam age provided that a Liability to such party for or for the cost of that party s defense has also been as sumed by you in the same insured con tract and b Such attorney fees and litigation ex penses are for defense of that party 3. against a civil or alternative dispute reso lution proceeding in which damages to which this insurance applies are alleged. 2. The following replaces the beginning of Para graph 2. and Paragraphs 2.a. b. c. d. and e. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVERAGES 2. If we defend you against a suit and your in demnitee is also named as a party to the suit we will have the right and duty to de fend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which you have assumed the liability of the indemnitee in a contract or agreement that is an insured con tract b. This insurance applies to such liability as sumed by you c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by you in the same in sured contract d. The allegations in the suit and the in formation we know about the occur rence or offense are such that we de termine that no conflict exists between your interests and the interests of the in demnitee e. You and the indemnitee ask us to con duct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to defend you and the indemnitee and The following replaces the last sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B of SEC TION COVERAGES Our obligation to defend your indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments settlements or medical expenses or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. CG D4 21 07 08 Page 1 of 1 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Violation Of Consumer Financial Protection Laws Bodily injury or property damage arising out of any actual or alleged violation of a consumer financial protection law or any other bodily in jury or property damage alleged in any claim or suit that also alleges any such violation. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY Violation Of Consumer Financial Protection Laws Personal injury or advertising injury arising out of any actual or alleged violation of a con sumer financial protection law or any other personal injury or advertising injury alleged in any claim or suit that also alleges any such violation. The following is added to the DEFINITIONS Section Consumer financial identity information means any of the following information for a person that is used or collected for the purpose of serving as a factor in establishing such person s eligibil ity for personal credit insurance or employment or for the purpose of conducting a business transaction a. Part or all of the account number the expi ration date or the balance of any credit debit bank or other financial account. b. Information bearing on a person s credit worthiness credit standing or credit capac ity. c. Social security number. d. Drivers license number. e. Birth date. Consumer financial protection law means a. The Fair Credit Reporting Act FCRA and any of its amendments including the Fair and Accurate Credit Transactions Act FACTA b. California s Song Beverly Credit Card Act and any of its amendments or c. Any other law or regulation that restricts or prohibits the collection dissemination transmission distribution or use of con sumer financial identity information. Page 1 of 1 CG D618 10 11 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS This insurance does not apply to any injury damage loss cost payment or expense including but not limited to defense and investigation of any kind aris ing out of resulting from caused by or contributed to by the actual or alleged presence or actual al leged or threatened dispersal release ingestion in halation or absorption of lead lead compounds or lead which is or was contained or incorporated into any material or substance. This exclusion applies but is not limited to 1. Any supervision instructions recommendations warnings or advice given in connection with the above Any obligation to share damages losses costs payments or expenses with or repay someone else who must make payment because of such injury or damage loss cost payment or ex pense or Any request order or requirement to abate mitigate remediate contain remove or dispose of lead lead compounds or materials or sub stances containing lead. CG DO 76 06 93 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DISCRIMINATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY is amended by ad ding the following additional exclusion This Insurance does not apply to Bodily injury resulting from or as a consequence of discrimination whether intentional or uninten tional based upon a person s sex sexual prefer ence marital status race creed religion na tional origin age physical capabilities character istics or condition or mental capabilities or con dition. 2. COVE ING It the fol This i Persc quenc uninte prefer nation teristic condit 2. COVERAGE B PERSONAL AND ADVERTIS ING INJURY LIABILITY is amended by adding the following additional exclusion This insurance does not apply to Personal injury resulting from or as a conse quence of discrimination whether intentional or unintentional based upon a person s sex sexual preference marital status race creed religion national origin age physical capabilities charac teristics or condition or mental capabilities or condition. CG D1420199 Copyright The Travelers Indemnity Company 1999 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION WAR This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion i. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to War Bodily injury or property damage aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force in cluding action in hindering or de fending against an actual or expected attack by any government sovereign or other authority using military per sonnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these regardless of any other cause or event that contributes concurrently or in any se quence to the injury or damage. 3 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to War Personal injury or advertising injury aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force includ ing action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by gov ernmental authority in hindering or de fending against any of these regardless of any other cause or event that contributes concurrently or in any sequence to the injury. 3 CG D2 420102 Copyright The Travelers Indemnity Company 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY This insurance does not apply to bodily injury a. Any supervision instructions recommendati property damage personal injury or advertising warnings or advice given or which should h injury arising out of the actual or alleged presence been given in connection with the above and or actual alleged or threatened dispersal of asbes b. Any obligation to share damages with or re tos asbestos fibers or products containing asbestos provided that the injury or damage is caused or con tributed to by the hazardous properties of asbestos. This includes someone else who must pay damages beca of such injury or damage. a. Any supervision instructions recommendations warnings or advice given or which should have been given in connection with the above and b. Any obligation to share damages with or repay someone else who must pay damages because of such injury or damage. Copyright The Travelers Indemnity Company. CG T4 78 02 90 Page 1 of 1 | 2 |
INTERLINE ENDORSEMENTS | 2 |
INTERLINE ENDORSEMENTS | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement applies to the insurance provided under the following COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE ELECTRONIC MANUFACTURERS AND COMPUTER SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PROVISIONS On December 26 2007 the President of the United States signed into law amendments to the Terrorism Risk Insurance Act of 2002 the Act which among other things extend the Act and expand its scope. The Act es tablishes a program under which the Federal Government may partially reimburse Insured Losses as defined in the Act caused by acts of terrorism. An act of terrorism is defined in Section 1021 of the Act to mean any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission and to have been commit ted by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. The Federal Government s share of compensation for Insured Losses is 85 of the amount of Insured Losses in excess of each Insurer s statutorily established deductible subject to the Program Trigger as defined in the Act. In no event however will the federal government or any Insurer be required to pay any portion of the amount of aggregate Insured Losses occurring in any one year that exceeds 100000000000 provided that such Insurer has met its deductible. If aggregate Insured Losses exceed 100000000000 in any one year your coverage may therefore be reduced. The charge for Insured Losses for each Coverage Part is included in the Coverage Part premium. The charge that has been included for each Coverage Part is indicated below and does not include any charge for the portion of losses covered by the Federal Government under the Act. 1 of each applicable Commercial Liability Coverage premium. ILT3 68 05 10 Page 1 of 1 2010 The Travelers Indemnity Company | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaus tion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agree ment entered into by the United States of America or any agency thereof with any person or organization. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous proper ties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily in jury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. 2. Asused in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product mate rial. IL 00 21 05 02 ISO Properties Inc. 2001 Page 1 of 2 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel component solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste c Any equipment or device used for the proc essing fabricating or alloying of special nu clear material if at any time the total amount of such material in the custody of the in sured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2001 IL 00 21 05 02 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA CHANGES EXAMINATION OF YOUR BOOKS AND RECORDS This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The Examination Of Your Books And Records Common Policy Condition is replaced by the follow ing EXAMINATION OF YOUR BOOKS AND RE CORDS 1. Except as provided in 2. below we may ex amine 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. 2. Any audit conducted to determine the pre mium due or to be refunded must be com pleted within 180 days after a. The expiration date of the policy or b. The anniversary date if this is a continu ous policy or a policy written for a term longer than one year unless you agree in writing to extend the audit period. IL 01 65 09 08 ISO Properties Inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Com c. If we cancel this policy subject to 2.a. or mon Policy Condition are replaced by the follow 2.b. above we will mail to the first Named ing Insured a written notice of cancellation 2. Cancellation Of Policies In Effect Isag the reasons for cancellation at east a. 60 Days Or Less If this policy has been in effect for 60 days or less we may cancel this policy for any reason. b. More Than 60 Days If this policy has been in effect for more than 60 days or if this is a renewal of a policy we issued we may cancel this pol icy only for one or more of the following reasons 1 Nonpayment of premium 2 The policy was obtained through ma terial misrepresentation 3 Any insured has submitted a fraudu lent claim 4 Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has sub stantially increased 6 Certification to the Director of Insur ance of our loss of reinsurance which provided coverage to us for all or a substantial part of the underlying risk insured or 1. 10 days before the effective date of cancellation if we cancel for nonpay ment of premium or 2. 60 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail our notice by first class mail to the first Named Insured s last mailing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. C. The following is added and supersedes any pro visions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 60 days prior to the expira tion date of this policy. Any notice of nonrenewal will be mailed by first class mail to the first Named Insured s last mailing address known to us. A United 7 The determination by the Director of N o o Insurance that the continuation of the Satez POSaI Semce Crtlflgate fOf Malllng policy could place us in violation of sha hedsu Icet prdoo o receptc notlcfe fh the Nebraska Insurance Laws. the third calendar day after the date of the certificate of mailing. IL 02 59 09 07 ISO Properties Inc. 2006 Page 1 of 1 IL 02 59 09 07 Page 1 of 1 | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. PN T4 54 01 08 Page 1 of 1 | 2 |
N TRAVELERS POLICYHOLDER NOTICE LEAD Dear Policyholder Lead has become a difficult problem for society as a whole and the insurance industry in particular. As a consequence we are attaching a lead exclusion to our liability policies based upon age and occupancy of buildings. Your policy contains this exclusion. If you have questions about your insurance program please contact your agent or local Company repre sentative. PN T194 08 94 Page 1 of 1 | 2 |
aoueInsul O 90UBPIAS SE PAsN aq JOULED PIED SIY SIAPOYPIED O ION PI pI TT 03 II TI una Aoyjod T I0I LETTZLIY099 X 4aquinN Adtjod TSLYTE QI X3a3aWsenuoly OTT SENYT ENITESYE sweN Auedwo ws NOINVdINOD TvE01D bmmm.mm.. aoueInsul JO 90UBPIAS SE PAsN aq JOULED PIED SIY SIAPOYPIED O JONON PI pI TT 03 II TI una Aoyjod T I0I LETTZLIY099 X 4aquinN Adtjod TSLYTE Ql X3a3wsanuolg OTT SENVI ENITASVE owepN Auedwo ws NOINVAINOD Tva019O SHITIAVYL aoueInsu O 90UBPIAS SE PAsN aq JOULED PIED SIY SI19POYPIED O JNON pI pI TT 3 II TT uua Aoljod T I0I LETTZLIV099 X oqunN Adijod TSLYTE QI X3A3Wsenuoiy OTT SENVT ENITASYE sweN Auedwod ws NOINVAINOD Tvd0T1D Abmmm.mm.. aoueInsu O 90UBPIAS SE PAsN aq JOULED PIED SIY SI19POYPIED O JNON pI pI TT 3 II TT uua Aoljod T I0I LETTZLIV099 X oqunN Adijod TSLYTE QI X3A3Wsenuoiy OTT SENVT ENITASYE sweN Auedwod ws NOINVAINOD Tvd0T1D Abmmm.mm.. | 2 |
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GLOBAL EXECUTIVE SUPPORT SERVICE AGREEMENT This agreement provides global executive support services to your employees who travel outside the United States for your business. There are of course limitations and restrictions which apply to this service agreement. As a result this service agreement should be read carefully to determine the extent of the services provided to you and your employees. Table of Contents Medical Assistance Services Hospital Admission Deposit Medical Monitoring Dispatch Of A Doctor Or Specialist Medical Emergency Evacuation Medically Supervised Repatriation Repatriation Of Mortal Remains Personal Assistance Services Pre Trip Medical Referral Information Emergency Medication Embassy And Consular Information Lost Document Assistance Emergency Message Transmission Emergency Cash Advance Legal Access Translations And Interpreters Lost Baggage Assistance Currency Exchange Rates Weather Information Benefits Verification And Claims Assistance Travel Advisories Security Related Services and Assistance Travel Assistance Services Emergency Family Travel Arrangements Transportation To Join Disabled Employees Return Of Minor Children Return Of Traveling Companion Return Of Vehicle Services And Cost Restrictions Destinations Covered General Conditions Errors And Omissions Page G R R DR DWW WWWWWWWWWORNNPONONN DO DD Transfer Of Rights Of Recovery Against Others To Us Suits Against Us Return To Work Services Not Covered Definitions a0 oo o About This Service Agreement The Global Executive Support Services provided be low are not insurance and are available to your em ployees engaged in temporary travel including their accompanying spouse children or other compan ions. Global Executive Support Services includes Medical Assistance Personal Assistance and Travel Assis tance as described below. Employees may contact the Travelers Alarm Center at any hour of any day. The Travelers Alarm Center may direct an employee to contact a Regional Alarm Center nearer to the employee s location. The Trav elers Alarm Center is operated by FrontierMEDEX Assistance Corporation a third party provider of the Global Executive Support Services Program de scribed below. We will give you fifteen 15 service cards at the be ginning of each new or renewal program service pe riod of this Global Executive Support Services Pro gram. These service cards will explain how to reach the Travelers Alarm Center. It is your responsibility to distribute the service cards to your employees who may require global executive support services during temporary travel. You may ask us for additional cards as they are required by you. Medical Assistance Services The Travelers Alarm Center is staffed with trained multi lingual personnel including doctors on round the clock call for medical emergency consultation and assistance as described below. This center han dles requests for referrals to English speaking doc tors hospitals and specialists as well as all aspects of coordinating any medical emergency evacua tions. Page AN NN NNNNN OOOOM OO0H mO O MmO 00STT T T 00 Transfer Of Rights Of Recovery Against Others To Us Suits Against Us Return To Work Services Not Covered Definitions a0 oo o About This Service Agreement The Global Executive Support Services provided be low are not insurance and are available to your em ployees engaged in temporary travel including their accompanying spouse children or other compan ions. Global Executive Support Services includes Medical Assistance Personal Assistance and Travel Assis tance as described below. Employees may contact the Travelers Alarm Center at any hour of any day. The Travelers Alarm Center may direct an employee to contact a Regional Alarm Center nearer to the employee s location. The Trav elers Alarm Center is operated by FrontierMEDEX Assistance Corporation a third party provider of the Global Executive Support Services Program de scribed below. We will give you fifteen 15 service cards at the be ginning of each new or renewal program service pe riod of this Global Executive Support Services Pro gram. These service cards will explain how to reach the Travelers Alarm Center. It is your responsibility to distribute the service cards to your employees who may require global executive support services during temporary travel. You may ask us for additional cards as they are required by you. Medical Assistance Services The Travelers Alarm Center is staffed with trained multi lingual personnel including doctors on round the clock call for medical emergency consultation and assistance as described below. This center han dles requests for referrals to English speaking doc tors hospitals and specialists as well as all aspects of coordinating any medical emergency evacua tions. 0 W W W Page 1 of 5 PN T57209 11 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
Hospital Admission Deposit We will either guarantee the payment of or wire any required emergency hospital admission deposit up to 5000. You or your employee will repay any such deposit to us or our designee within forty five 45 days without interest. If you fail to repay us such deposits in the time allowed or we are required to pay on our guarantee then such moneys become a ser vice rendered and we have the additional rights as explained under the section Transfer of Rights of Recovery Against Others to Us. Medical Monitoring We will monitor the employee s condition when hos pitalized abroad and will use our best efforts to report regularly on the employee s condition to the em ployee s family andor employer. Dispatch Of A Doctor Or Specialist If we determine based on information available to us that an employee s condition can not be adequately assessed to evaluate the need for evacuation we will dispatch a doctor or specialist to the employee s location. We will pay the cost of the doctor s or spe cialist s travel to the employee s location but we will not pay the cost of any medical services that are ren dered by the doctor or specialist at the location. Medical Emergency Evacuation When adequate medical facilities are not available locally we will arrange for medical emergency evacuation of the employee under medical supervi sion to the nearest location with adequate facilities. We will also assist in making the arrangements but not pay for any associated costs of one 1 family member or other traveling companion to continue to accompany the employee during evacuation if it is reasonably possible for that person to accompany the employee. The employee and any accompanying family mem ber or other traveling companion may be required to release us or our third party service provider from li ability during emergency evacuation. Our obligation is limited to providing one 1 emergency evacuation attributable to any single medical condition of an em ployee. Medically Supervised Repatriation If we determine based on information available to us that it is medically advisable to repatriate the em ployee to a facility which is in the country of resi dence of the employee or a location in the country of which the employee is a citizen following stabili zation we will make the arrangements for repatriation of the employee under medical supervision. We will also assist in making the arrangements but not pay any associated costs of one 1 family mem ber or other traveling companion to continue to ac company the employee during repatriation under medical supervision if it is reasonably possible for that person to accompany the employee. The employee and any accompanying family mem ber or other traveling companion may be required to release us or our third party service provider from li ability during emergency repatriation. Our obligation is limited to providing one 1 emergency repatriation attributable to any single medical condition of an em ployee. Repatriation Of Mortal Remains In the event of an employee s death while traveling we will provide every assistance possible to obtain necessary clearances and arrange for the return of the mortal remains to a location which is consistent with the known reasonable wishes of the employee or of the employee s family. We will also assist in making arrangements but not pay for any associated costs of one 1 family mem ber or other traveling companion to continue to ac company the mortal remains of the deceased em ployee during repatriation if it is reasonably possible for that person to accompany the remains. Personal Assistance Services Pre Trip Medical Referral Information We will provide pre trip medical referral information to employees regarding countries and regions to be visited including local English speaking doctors andor addresses and phone numbers of hospitals. Emergency Medication Should an employee require prescription medication that is not available locally we will make arrange ments for the transportation of such medication to the employee when possible and legally permissible upon the request of the prescribing physician. The employee is responsible for the cost of the medica tion and the transportation. Embassy And Consular Information We will provide employees with contact information for embassies and consulates worldwide. Lost Document Assistance If an employee loses important travel documents including a passport and credit cards while traveling we will assist with obtaining their replacements. We will not pay for the cost of obtaining these replace ments. 1orts 1o report 1 to the em PN T57209 11 Page 20f 5 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
Emergency Message Transmission We will make reasonable efforts to receive and transmit emergency messages between the family andor employer of an employee. Emergency Cash Advance We will whenever possible provide employees with a cash advance of up to 5000 in local currency for any medical legal or any other emergency situations related to any of the services andor assistance pro vided by this Global Executive Support Services pro gram. You or your employee will repay any such cash advances to us or our designee within forty five 45 days without interest. If you or your employee fail to repay to us such advances then such money becomes a service rendered and we have the addi tional rights set out under the heading Transfer of Rights of Recovery Against Others to Us. Legal Access We will provide employees with an introduction to local attorneys available during regular working hours. Assistance will also be provided in obtaining bail bonds in those areas where such bonds are custom arily issued. Employees are responsible for paying for any contracted legal fees. Translations And Interpreters We will provide personal emergency translation ser vices through the 24 hour Travelers Alarm Center and Regional Centers as well as referrals to interpreter services. When a personal presence or other custom ized interpreter services are required the employee will be responsible to pay locally the costs of such interpreter services. Lost Baggage Assistance We will assist employees with the proper reporting procedures if their baggage is lost stolen or delayed while traveling on a common carrier. We will also maintain contact with the appropriate companies or authorities to help resolve the problem. Currency Exchange Rates We will provide to the employee general currency exchange rates for those countries to which they are traveling. These exchange rates are for general plan ning purposes only and are not intended to be used for exact funds exchange for any specific transactions at a specific time or date. Weather Information We will provide to the employee weather information of a general nature for the locations where travel is anticipated. We will not provide any weather informa tion for a specific location on a specific date nor can we be held responsible if any weather is outside of normal patterns. Benefits Verification And Claims Assistance We will assist employees in verifying their medical insurance benefits when hospitalized overseas and in coordinating overseas claims procedures with their health insurance and any applicable Workers Com pensation insurance as you direct. Travel Advisories We will provide to the employee travel advisories as they are updated by the U. S. Department of State. Security Related Services and Assistance We will provide to the employee assistance with se curity related services such as continual updates on security events occurring around the world referrals to specialized security providers i.e. escorts drivers kidnap and ransom specialists crisis management planners etc. and coordination with an appropriate security vendor provided a political security related evacuation is required. The employee is responsible for the costs of services for security providers or the cost of the security evacuation. Travel Assistance Services Emergency Family Travel Arrangements We will coordinate emergency travel arrangements for family members who need to join a hospitalized em ployee. The costs of these travel services are the responsibility of the travelers. Transportation To Join Disabled Employees If an employee is traveling alone and is hospitalized for more than seven 7 days we will arrange but not pay the cost of economy round trip air fare to the place of hospitalization for a person chosen by the employee. Return Of Minor Children If dependent children are left unattended as a result of an employee s accident or illness we will arrange but not pay the cost of economy one way air fare to their place of residence. Qualified attendants will also be arranged when required but we will not pay the cost of such attendants. Return Of Traveling Companion When we hospitalize or medically evacuate an em ployee and a traveling companion s air ticket is no longer usable we will arrange but not pay the cost of economy one way air transportation for the compan ion to their original departure point. Return Of Vehicle In the event of an employee s hospitalization or medical evacuation we will arrange but not pay the i in obtainiung bail bonds are custom ponsible for paying oCIILE LI GUIST Lustnt equired the employee cally the costs of such Page 3 of 5 PN T57209 11 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
cost to have the employee s unattended vehicle returned to the rental agency or the employee s current principal residence. Services And Cost Restrictions We are not responsible for any services or costs Provided outside the program service period. However if before the end of the program ser vice period we have begun to assist an em ployee with any of the services described under the heading Medical Assistance Services we will continue to provide those services for up to seven 7 days after the end of the program ser vice period. Provided without our authorization andor inter vention. Provided for which no charge is normally made. If the original or ancillary purpose of the em ployee s trip is to obtain medical treatment. If the trip is made against the advices of a physi cian. For intentionally self inflicted injuries suicide or any attempt thereat regardless of mental condi tion. As aresult of any service in the Armed Forces of any country. As a result of the use of alcohol drugs or any controlled substance unless it is prescribed by a physician. As aresult of aerial flight except as a fare paying passenger on a regular scheduled airline or li censed charted aircraft. As aresult of any participation in any professional sports or high risk amateur andor recreational activities including but not limited to mountain eering scuba diving sky diving auto racing bungee jumping etc. As a result of commission of or the attempt to commit an illegal act. As a result of the active participation in war whether declared or not invasion acts of for eign enemies hostilities civil war rebellion riot revolution insurrection or as a direct result of nu clear reaction or radiation. As aresult of any existing chronic or life threaten ing health conditions except if any medical emergency occurs during the temporary travel of an employee whether or not that medical emergency is related to or caused by any exist ing chronic or life threatening health condition. For routine or minor medical problems tests and exams related to pregnancy. For transportation for an employee s vehicle that involves any intercontinental andor marine trans portation. For pregnancies except in the case of a major vital complication for the mother andor baby. Which are requested after we have paid the maximum limit of covered expenses or after we have incurred the maximum limit of covered ex penses. No services shall be available for any employee if such services are required as a result of mild lesions simple fractures or mild illness which can be treated by local doctors and which do not prevent the em ployee from continuing his her trip or returning home. Destinations Covered We will provide the Global Executive Support Ser vices described above anywhere in the world except for the United States its territories and possessions Puerto Rico Canada and any country or jurisdiction while any trade sanction embargo or similar regula tion imposed by the United States Government ap plies to and prohibits the transaction of business with or within that country or jurisdiction. But we will not consider such countries as being prohibited if such trade sanctions embargoes or regulations are re moved for any reason by the United States Govern ment or no longer operate to prevent the transaction of business with or within these countries. General Conditions Errors And Omissions We are not liable for any act or omission by a local doctor or attorney who is not our employee nor the employee of a third party provider of the support ser vices described herein. We are not liable for the failure to provide or for the delay in providing services when such failure or delay is caused by conditions beyond our control including but not limited to restricted flight conditions weather Acts of God strike riot civil commotion war or upris ing or where rendering of any services is prohibited by local laws or regulations. Transfer Of Rights Of Recovery Against Others To Us If you or the employee to whom we render assis tance have any rights to recover all or any part of the cost of any services rendered under this program from any other persons or organizations including PN T57209 11 Page 4 of 5 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
rights to recover under any Workers Compensation Law health plan or insurance policies we are enti tled to an assignment of those rights to the extent of our benefit payments. You and your employee shall transfer those rights to us and cooperate with us as may be necessary to enforce such rights. You and your employee agree to sign any papers deliver them to us and do anything else that we may rea sonably require to help us pursue such rights. Suits Against Us You agree not to bring suit against us unless you have complied with all the terms of this policy. Any such suit must be brought within two 2 years after the support services are rendered. No person or or ganization has any right to bring us into any action to determine your liability. Return To Work You have the responsibility for the decision of whether or not an employee returns to work. You are re sponsible for obtaining any medical releases and to determine an employee s suitability to travel andor resume work or not. The decision and results thereof are solely the responsibility of the employee you andor the employee s attending physician. We are not involved in such decisions and we have no liabil ity arising out of an employee s return to work. Services Not Covered You agree to reimburse us or our designee for ser vices rendered on your behalf which are not covered by this program when such services are requested or approved by a corporate officer whose name you have given us to contact or when such services are provided in good faith to any employee not covered by reason of cancellation of this program. Definitions Employee means any person working for you at your workplaces including any voluntary workers or independent contractors with whom you have a writ ten contract and any traveling companions anywhere in the World except those countries for which there is a United States governmental embargo or sanction prohibiting the transaction of business with or within that country. Medical Emergency means any sudden or unfore seen health condition that might require medical con sultation assistance or care. Program Service Period means from the effective date of the policy to which this Global Executive Sup port Services Program is attached until the expiration date of the policy including any extensions andor renewals of the policy. If the policy is canceled for any reason before its expiration date then the Global Ex ecutive Support Services Program will end as of the effective date of the policy cancellation. Temporary Travel means any travel outside of the country of an employee s permanent workplace for the purpose of conducting your business. Such travel will not require an employee to be away from their permanent workplace for a period longer than ninety 90 consecutive days on any one trip or to spend more than 180 days per year outside the country of an employee s permanent workplace. Temporary Travel includes personal travel but only if such per sonal travel is incidental to the travel for the purposes of conducting your business. y fea I WA e yedle allel rendered. No person or or 0 bring us into any action to ser ered Page 50of 5 PN T57209 11 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
ZURICH THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE OF PREMIUM RELATING TO DISPOSITION OF TRIA SCHEDULE 1 Premium attributable to risk of loss from certified acts of terrorism through the end of the policy period based on the extension of the Terrorism Risk Insurance Act of 2002 as amended by the Terrorism Risk Insurance Extension Act of 2005 TRIA for lines subject to TRIA and the Terrorism Risk Insurance Program Reauthorization Act of 2007 TRIPRA 1 OF GENERAL LIABILITY PREMIUM If TRIA terminates the portion of this premium attributable to the remaining part of the policy period as modified by any change shown in 2 of this Schedule applies to the risk of loss from terrorism after the termination of TRIA. 2 Premium change upon termination of TRIA or upon applicability of a Conditional Endorsement No change unless one of the following is completed Return Premium Additional Premium If we notify you of an additional premium charge the additional premium will be due as specified in such notice. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure of Premium In accordance with the TRIA we are required to provide you with a notice disclosing the portion of your premium if any attributable to the risk of loss from terrorist acts certified under that Act for lin subject to TRIA. That portion of your premium attributable is shown in the Schedule of this endorsement or in the Declarations. B. Disclosure of Federal Parti Terrorism Losses ation in Payment of The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. The Act currently provides for no insurance industry or United States government participation in terrorism losses that exceed 100 billion in any one calendar year. The federal program established by the Act is scheduled to terminate at the end of Includes copyrighted material of ISO Properties Inc. with its permi Copyright Zurich American Insurance Company 2013 December 31 2014 unless extended by the federal government. Possibility of Additional or Return Premium The premium attributable to the risk of loss from certified acts of terrorism coverage is calculated based on the coverage if any in effect at the beginning of your policy for certified acts of terrorism. If your policy contains a Conditional Endorsement the termination of TRIA or extension of the federal program with certain modifications as explained in that endorsement may modify the extent of coverage if any your policy provides for terrorism. If TRIA terminates or the Conditional Endorsement becomes applicable to your policy the return premium if any or additional premium if any shown in 2 of the Schedule will apply. If the level or terms of federal participation change the premium shown in 1 of the Schedule attributable to that part of the policy period extending beyond such a change may not be appropriate and we will notify you of any changes in your premium. U GU692 C CW 0613 Page L of 1 1 OF GENERAL LIABILITY PREMIUM llowing is completed 1A we are required to disclosing the portion of ibutable to the risk of loss d under that Act for lines ortion of your premium 1 the Schedule of this arations. ticipation in Payment of iment Department of the of terrorism losses insured The federal share equals e amount of such insured yplicable insurer retention.. for no insurance industry rmment participation in d 100 billion in any one l program established by terminate at the end of | 2 |
Z ZURICH CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM Insureds Name Policy Number Effective Endorsement Date Number THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. umber This endorsement modifies your insurance A. This endorsement applies to all Coverage Parts included in this policy. Cap on Losses From Certified Terrorism Losses Certified act of terrorism means an act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act TRIA. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism L. to be an act of terrorism 2. to be a violent act or an act that is dangerous to human life property or infrastructure 3. to have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA do not exceed 5000000. If aggregate insured losses attributable to one or more certified acts of terrorism exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures blished by the Secretary of Treasury. Application of Other Exclusions The terms and limitations of a terrorism exclusion or any other exclusion or the inapplicability or omission of a terrorism exclusion or any other exclusion do not serve to create coverage which would otherwise be excluded limited or restricted under this policy. Copyright 2008 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc.. with its perm U GU T67 A CW 0108 Pagel of 1 | 2 |
Z ZURICH Disclosure Statement Itis our pleasure to present the enclosed policy to you for presentation to your customer. INSTRUCTION TO AGENT OR BROKER WE REQUIRE THAT YOU TRANSMIT THE ATTACHED ENCLOSED DISCLOSURE STATEMENT TO THE CUSTOMER WITH THE POLICY. Once again thank you for your interest and we look forward to meeting your needs and those of your customers. U GU873 A CW 0611 Page 1of 1 | 2 |
Z ZURICH Disclosure Statement NOTICE OF DISCLOSURE FOR AGENT BROKER COMPENSATION If you want to learn more about the compensation Zurich pays agents and brokers visit httpwww.zurichnaproducercompensation.com or call the following toll free number 866 903 1192. This Notice is provided on behalf of Zurich American Insurance Company and its underwriting subsidiaries. U GU874 ACW 0611 Page 1 of 1 | 2 |
Z ZURICH COMMERCIAL INSURANCE COMMON POLICY DECLARATIONS Policy Number GLO 1051832 00 Renewal of Number NEW Named Insured and Mailing Address Producer and Mailing Address M.E. COLLINS CONTRACTING LOCKTON COMPANIES LLC COMPANY INC. 1015 N 98TH ST STE 101 980 E 25TH ST OMAHA NE 68114 2357 PO BOX 83 WAHOO NE 68066 5568 Producer Code 28832 000 Policy Period Coverage begins 09 01 2014 at1201 AM. Coverageends 09 01 2015 at 1201 AM. The name insured is Individual Partnership X Corporation Other This insurance is provided by one or more of the stock insurance companies which are members of the Zurich American Insurance Group. The company that provides coverage is designated on each Coverage Part Common Declarations. The company or companies providing this insurance may be referred to in this policy as The Company we us or our. The address of the companies of the Zurich American Insurance Group are provided on the next page. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGES GENERAL LIABILITY COVERAGE PREMIUM 67502.00 issued by ZURICH AMERICAN INSURANCE COMPANY THIS PREMIUM MAY BE SUBJECT TO AUDIT. TOTAL 67502.00 This premium does not include Taxes and Surcharges. SEE INSTALLMENT SCHEDULE Taxes and Surcharges TOTAL The Forms and Endorsements made a part of this policy at the time of issue are listed on the SCHEDULE of FORMS and ENDORSEMENTS. Countersigned this day of Authorized Representative THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PART DECLARATIONS COVERAGE PART FORMS FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. UGU D310 A 0193 Page 1 of 1 GENERAL LIABILITY COVERAGE N PREMIUM 67502.00 issued by ZURICH AMERICAN INSURANCE COMPANY | 2 |
Policy Number GLO 1051832 00 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured M.E. COLLINS CONTRACTING Effective Date 09 01 14 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 28832 000 COMMON POLICY FORMS AND ENDORSEMENTS U GU692 C CW 06 13 DISCL OF PREM. RELATING TO DISP. OF TRIA U GU767 A CW 01 08 CAP ON LOSSES FROM CERTIFIED ACTS OF TER U GU D310 A 01 93 COMMON POLICY DECLARATIONS U GU619 A CW 10 02 SCHEDULE OF FORMS AND ENDORSEMENTS U GU319 F 01 09 IMPORTANT NOTICE IN WITNESS CLAUSE U GU406 A 07 94 INSTALLMENT PREMIUM SCHEDULE IL 00 17 11 98 COMMON POLICY CONDITIONS IL 00 21 05 02 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 02 59 09 07 NEBRASKA CHANGES CANC NONRENL IL 00 03 08 07 CALCULATION OF PREMIUM GENERAL LIABILITY FORMS AND ENDORSEMENTS U GL1517 B CW 04 13 RECORD OR DISTRB OF MATRL OR INFO EXCL U GL1518 A CW 04 13 BROADENED NAMED INSURED U GL851 B CW 06 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL915 C CW 08 04 FELLOW EMPLOYEE COVERAGE ENDORSEMENT U GL923 B CW 06 04 SILICA OR SILICA MIXED DUST EXCLUSION U GL925 B CW 12 01 WAIVER OF SUBROGATION BLANKET ENDT. U GL D851 B CW 09 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL D1115 B CW 09 04 COMMERCIAL GL COVERAGE PART DECLARATIONS CG 00 01 COMMERCIAL GENERAL LIABILITY COV FORM CG 00 65 ELECTRONIC DATA LIABILITY COVERAGE FORM U GL1114 A COMPOSITE RATE UNIT OF EXPOSURE RESIDENTIAL DEFINITION U GL1060 E CONTRACTORS LIABILITY ENDORSEMENT UGL1171ACW FUNGI OR BACTERIA EXCLUSION U GL1175 F ADDL INSD AUTO OWNERS LESSEES CONTRACTR U GL1205 B WELDING HEALTH HAZARD EXCLUSION U GL1294 A LIMITED OPERATIONS CONSOLIDATED WRAP UP U GL1342 A LEAD LIABILITY EXCLUSION U GL1178ACW ASBESTOS EXCLUSION ENDORSEMENT U GL872 B CW PREMIUM REPORTS AGREEMENT COMP RATED U GL852 A CW EMPL BENEFITS LIAB OCCURRENCE DED ENDT 24 EARLIER NOTICE OF CANC PROVIDED BY US 00 DEDUCTIBLE LIABILITY INSURANCE 37 ELECTRONIC DATA LIABILITY ENDORSEMENT 11 ADDL INSD MANAGERS LESSORS OF PREMISES 28 ADDL INSD LESSOR OF LEASED EQUIPMENT 32 ADDL INSD ENGRS ARCHTS OR SURVEYORS 47 EMPLOYMENT RELATED PRACTICES EXCLUSION 86 EXCL EXTERIOR INSULATION FINISH SYSTEM 79 EXCL CONTRACTORS PROF LIAB 17 CONTRACTUAL LIABILITY RAILROADS 03 DESIGNATED CONSTRUCTION PROJECTS GENERAL 8 DESIGNATED LOCATIONS GENERAL AGGREGATE U GL1059 A CW LTD POLLUTION COVERAGE ENDT WORKSITE U GU619 A CW 1002 SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLO 1051832 00 FORMS AND ENDORSEMENTS can Insurance Company Effective Date 09 01 1 1201 A.M. Standard Tin OMMUN FULLILY FPOURMS AND BNDUROEMENLOS GU692 C CW GU767 A CW GU D310 A GU619 A CW 06 13 01 08 01 93 10 02 01 09 07 94 11 98 05 02 09 07 08 07 ENERAL LIABILITY FORMS AND GL1517 B CW GL1518 A CW GL851 B CW GL915 C CW GL923 B CW GL925 B CW GL D851 B CW GL D1115 B CW G 00 01 G 00 65 GL1114 A CW GL1060 E CW GL1171ACW GL1175 F CW GL1205 B CW GL1294 A CW GL1342 A CW GL1178ACW GL872 B CW GL852 A CW NI I I IDIN IR I D S 24 00 37 11 28 32 47 86 79 17 03 04 05 9 A CW 04 13 04 13 06 04 08 04 06 04 12 01 09 04 09 04 04 13 04 13 10 02 04 13 07 03 04 13 01 08 10 06 10 07 07 03 04 09 07 96 10 93 01 96 04 13 04 13 04 13 04 13 12 07 12 04 04 13 10 01 05 09 05 09 05 02 DISCL OF PREM. RELATING TO DISP. OF TRIA CAP ON LOSSES FROM CERTIFIED ACTS OF TER COMMON POLICY DECLARATIONS SCHEDULE OF FORMS AND ENDORSEMENTS IMPORTANT NOTICE IN WITNESS CLAUSE INSTALLMENT PREMIUM SCHEDULE COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDT NEBRASKA CHANGES CANC NONRENL CALCULATION OF PREMIUM ENDORSEMENTS RECORD OR DISTRB OF MATRL OR INFO EXCL BROADENED NAMED INSURED EMPLOYEE BENEFITS LIAB OCCURRENCE COV FELLOW EMPLOYEE COVERAGE ENDORSEMENT SILICA OR SILICA MIXED DUST EXCLUSION WAIVER OF SUBROGATION BLANKET ENDT. EMPLOYEE BENEFITS LIAB OCCURRENCE COV COMMERCIAL GL COVERAGE PART DECLARATIONS COMMERCIAL GENERAL LIABILITY COV FORM ELECTRONIC DATA LIABILITY COVERAGE FORM COMPOSITE RATE UNIT OF EXPOSURE RESIDENTIAL DEFINITION CONTRACTORS LIABILITY ENDORSEMENT FUNGI OR BACTERIA EXCLUSION ADDL INSD AUTO OWNERS LESSEES CONTRACTR WELDING HEALTH HAZARD EXCLUSION LIMITED OPERATIONS CONSOLIDATED WRAP UP LEAD LIABILITY EXCLUSION ASBESTOS EXCLUSION ENDORSEMENT PREMIUM REPORTS AGREEMENT COMP RATED EMPL BENEFITS LIAB OCCURRENCE DED ENDT EARLIER NOTICE OF CANC PROVIDED BY US DEDUCTIBLE LIABILITY INSURANCE ELECTRONIC DATA LIABILITY ENDORSEMENT ADDL INSD MANAGERS LESSORS OF PREMISES ADDL INSD LESSOR OF LEASED EQUIPMENT ADDL INSD ENGRS ARCHTS OR SURVEYORS EMPLOYMENT RELATED PRACTICES EXCLUSION EXCL EXTERIOR INSULATION FINISH SYSTEM EXCL CONTRACTORS PROF LIAB CONTRACTUAL LIABILITY RAILROADS DESIGNATED CONSTRUCTION PROJECTS GENERAL DESIGNATED LOCATIONS GENERAL AGGREGATE LTD POLLUTION COVERAGE ENDT WORKSITE | 2 |
Z ZURICH Important Notice In Witness Clause In return for the payment of premium and subject to the terms of this policy coverage is provided as stated in this policy. IN WITNESS WHEREOF this Company has executed and attested these presents and where required by law has caused this policy to be countersigned by its duly Authorized Representatives. FJaney DV lles D ke President Corporate Secretary QUESTIONS ABOUT YOUR INSURANCE Your agent or broker is best equipped to provide information about your insurance. Should you require additional information or assistance in resolving a complaint call or write to the following please have your policy or claim number ready Zurich in North America Customer Inquiry Center 1400 American Lane Schaumburg lllinois 60196 1056 1 800 382 2150 Business Hours 8 am 4 pm CT Email info.sourcezurichna.com 1056 1 4pm CT U GU319 F 0109 Page Lof | 2 |
INSTALLMENT PREMIUM SCHEDULE The total premium shown in the Declarations of this policy is made payable in installments on the dates and in the amount shown below. PAYMENT AR TOTAL DUE MIUM PREMIUM Failure to pay the Installment Premium by the Date Due shown shall constitute non payment of premium for which we may cancel this policy. U GU406 A 0794 PAGE 1 OF 1 YMENT E 0114 0114 10114 20114 10115 20115 30115 10115 50115 50115 DTAL STANDARD PREMIUM.00.00.00.00.00.00.00.00.00.00.00 P R R TOTAL PREMIUM 00.00.00.00.00.00.00.00.00.00.00 16877. 5625. 5625. 5625. 5625. 5625. 5625. 5625. 5625. 5625. 67502 00 00 00 00 00 00 00 00 00 00 00 L S A S S 16877. 5625. 5625. 5625. 5625. 5625. 5625. 5625. 5625. 5625. 67502 00 00 00 00 00 00 00 00 00 00 00 | 2 |
IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the firs Named Insured cancels the refund may be les than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but a to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele vators. Premiums The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelof1 O IL 00 17 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 05 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The insurance does not apply A. Under any Liability Coverage to bodily injury C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom Mutual Atomic Energy Liability Underwrit 2 The nuclear material is contained in spent ers Nuclear Insurance Association of Can fuel or waste at any time possessed han ada or any of their successors or would be dled used processed stored transported an insured under any such policy but for its or disposed of by or on behalf of an in termination upon exhaustion of its limit of li sured or ability or 3 The bodily injury or property damage 2 Resulting from the hazardous properties arises out of the furnishing by an insured of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any prop erty thereat. by the United States of America or any 2 agency thereof with any person or organi zation.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product material. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any prop erty thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product material. 3 IL 00 21 05 02 ISO Properties Inc. 2001 Page 10f 2 o | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the proc essing fabricating or alloying of special nu clear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2001 IL 00 21 05 02 o | 2 |
IL 0259 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART 6 Certification to the Director of Insurance of our loss of reinsurance which pro vided coverage to us for all or a sub stantial part of the underlying risk in. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following 2. Cancellation Of Policies In Effect a. 60 Days Or Less sured or If this policy has been in effect for 60 days 7 The determination by the Director of In or less we may cancel this policy for any surance that the continuation of the pol reason. icy could place us in violation of the Ne b. More Than 60 Days If this policy has been in effect for more than 60 days or if this is a renewal of a pol icy we issued we may cancel this policy only for one or more of the following rea sons 1 Nonpayment of premium 2 The policy was obtained through mate rial misrepresentation 3 Any insured has submitted a fraudulent claim 4 Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has substan tially increased braska Insurance Laws. c. If we cancel this policy subject to 2.a. or 2.b. above we will mail to the first Named Insured a written notice of cancellation stat ing the reasons for cancellation at least 1. 10 days before the effective date of can cellation if we cancel for nonpayment of premium or 2. 60 days before the effective date of can cellation if we cancel for any other rea son. 3. We will mail our notice by first class mail to the first Named Insured s last mailing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. IL 02 59 09 07 ISO Properties Inc. 2006 Page 1of 2 m | 2 |
B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. C. The following is added and supersedes any provi sions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named In sured at least 60 days prior to the expiration date of this policy. 2. Any notice of nonrenewal will be mailed by first class mail to the first Named Insured s last mail ing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. Page 2 of 2 ISO Properties Inc. 2006 IL 02 59 09 07 o | 2 |
IL 00 03 08 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was computed based on rates in effect at the time the policy was is sued. On each renewal continuation or anniversary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 08 07 ISO Properties Inc. 2006 Page 1of 1 m | 2 |
Z Or ZURICH Recording And Distribution Of Material Information In Violation Of Law Exclusion Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. Exclusion g. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to d. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. B. Exclusion p. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability is replaced by the following 2. Exclusions This insurance does not apply to p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or UGL1517 B CW 0413 Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. All other terms and conditions of this policy remain unchanged. UGL1517 B CW 0413 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Broadened Named Insured Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. The following is added to Section Il Who Is An Insured 1. Any current organization of yours other than a partnership joint venture or limited liability company which is not shown in the Declarations will qualify as a Named insured if a. Such entity has been incorporated or organized prior to the effective date of this policy under the laws of the United States of America including its territories and possessions Puerto Rico or Canada and b. You maintain ownership or majority interest in such organization as of the effective date of this Coverage Part. Coverage is afforded only until the 1g0th day after inception of our policy or the end of the policy period whichever is earlier unless you notify and provide information to us before the end of this timeframe as to the nature and operations of such organization. With regard to any terminated partnership or joint venture not shown in the Declarations you are an insured as respects the products completed operations hazard only for bodily injury or property damage arising out of such terminated partnership or joint venture. The insurance provided by this provision will not inure to the benefit of any party except you. To the extent only that coverage is provided in Paragraph A.2. above for organizations not shown in the Declarations the last sentence under Section Il Who Is An Insured does not apply. B. Paragraph 3. of Section Il Who Is An Insured is replaced by the following 3. Any organization you newly acquire or form during the policy period other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest in such organization 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 1g0th 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. C. Solely with respect to Paragraphs A. and B. of this endorsement the following is added to Paragraph b. Excess Insurance of Paragraph 4. Other Insurance under Section IV Commercial General Liability Conditions after Paragraphs ai through aiv b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis v Thatis or was purchased to insure UGL1518 A CW 0413 Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
aa Your participation in a partnership or joint venture which terminated or ended prior to the effective date of this policy or bb An organization not shown as a Named Insured at inception of our policy to the extent such organization is an insured as described in Paragraphs A. and B. of this endorsement. All other terms and conditions of this policy remain unchanged. UGL1518 A CW 0413 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Employee Benefits Liability Occurrence Coverage Form This Coverage Form provides occurrence coverage. Please read the entire form carefully. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declara tions. The words we us and our refer to the Company providing this insurance. Other words and phrases that appear in quotes have special meaning. Refer to the Definitions Section. Section I. Coverage Employee Benefit Liability 1. 2. Insuring Agreement A. We will pay those sums that the insured becomes legally obligated to pay as damages because of any act error or omission of the insured in the ad ministration of the insured s employee benefit programs. We will have the right and duty to de fend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit secking damages for any act error or omission for which this insurance does not apply. We may at our discretion investi gate any claim and settle any suit that may result but 1. The amount we pay for damages is limited as described in Section II. Limits of Insurance of this Coverage Part and 2. Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements un der this Employee Benefit Liability coverage. No other obligation or liability to pay sums or per form acts or services is covered unless explicitly provided for under Supplementary Payments of this Coverage Part. This only if surance applies to an act error or omi 1. The act error or omission takes place in the coverage territory 2. The insured had no knowledge of and could not have reasonably forescen any circum stances which might result in a claim or suit and 3. The act error or omi policy period. on occurs during the Exclusions This insurance does not apply to any G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation. Any claim or suit arising out of an insurer s or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured.. Any claim or suit arising out of an Insured s liability as a fiduciary under G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation Any claim or suit arising out of an insure or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured. Any claim or suit arising out of an Insured s liability as a fiduciary under U GL851 B CW 604 Page 10f 4 | 2 |
a. The Employee Retirement Income Secu rity Act of 1974 PL93 406 and its amendments or b. The Internal Revenue Code of 1986 in cluding the Internal Revenue Code of 1954 and its amendments. Supple mentary Payments We will pay in addition to the applicable Limits of Insurance with respect to any claim we investigate or settle or suit we defend A. All expenses incurred by us all costs taxed against the insured in any suit defended by us and all interest on the full amount of any judgment which accrues after entry of the judg ment and before we have paid or tendered or deposited in court that part of the judgment which does not exceed the limit of our liability. B. Premiums on appeal bonds required and on bonds to release attachments in any suit. We do not have to furnish these bonds. C. All reasonable expenses incurred by the in sured at our request to assist us in the investi gation or defense of the claim or suit includ ing actual loss of earnings up to 250 a day be cause of time off from work. D. Prejudgment interest awarded against the in sured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment in terest based on that period of time after the of fer. II. Limits of Insurance A. The Limits of Insurance shown in the Declarations and the rules below establish the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought or 3 Employees or dependents or beneficiaries of employees making claims or bringing suits. The Aggregate Limit is the most we will pay for all damages because of all claims or suits arising from the administration of your employee benefit programs during the policy period. Subject to the Aggregate Limit provisions in B. above the Each Act Error or Omission Limit is the most we will pay for all damages sustained by any one employee including the employee s de pendents and beneficiaries because of acts errors or omissions committed in the administration of your employee benefit programs.. The limits of this Coverage Part apply separately to each consecutive annual period and to any remain ing period of less than 12 months starting with the beginning of the policy period shown in the Decla rations unless the policy period is extended after is suance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for pur poses of determining the Limits of Insurance. IL Conditions A. Bankruptcy Bankruptey or insolvency of the insured or the in sured s estate will not relieve us of our obligations. Duties in the Event of an Act Error Omission Claim or Suit 1 Regardless of whether the loss exceeds any ap plicable deductible amount you mus that we are notified as soon as practicable of any act error or omission which may result in a claim. To the extent possible notice should include a. How when and where the act error or omission took place b. The names and addresses of any injured employee dependents or beneficiaries of any employee and witnes 2 If a claim is received by any insured you must a. Immediately record the specifics of the claim and the date received and b. Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. 3 You and any other involved insured must a. Immediately send us copies of any de mands notices summonses or legal papers received in connection with the claim or suit b. Authorize us to obtain records and other information. Cooperate with us in the investigation set tlement or defense of the claim or suit and d. Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of injury to which this in surance may also apply. No insureds will except at their own cost. vol untarily make a payment assume any obliga tion or incur any expense without our consent. C. Legal Action Against Us U GL851 B CW 604 Page 20f 4 | 2 |
No person or organization has a right 1 To join us as a party or otherwise bring us into a suit asking for damages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured. and the claimant or the claimant s legal representative. Other Insurance 1 This Coverage Part is primary insurance ex cept when stated to apply in excess of or con tingent upon the absence of other insurance. When this insurance is primary and the insured has other insurance which applies to the loss on an exc or contingent basis the amount of our liability under this Coverage Part shall not be reduced because of such other insurance. 2 When both this insurance and other insurance apply to the loss on the same basis whether primary excess or contingent we shall not be liable for a greater proportion of the loss than that stated in the applicable contribution provi sion below a. Contribution by Equal Shares If all of the other insurance permits contri bution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. b. Contribution by Limits If any of the other insurance does not per mit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insur ers. E. Separation of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this in surance applies 1 As if each Named Insured were Named Insured and the only 2 Separately to each insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 1V. Definitions A. B. C. D. E. F. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters For the purposes of this definition 1 Notices that are published include material placed on the Internet or on similar electronic means of communication and 2 Regarding web sites only that part of a web site that is about your goods products or ser vices for the purposes of attracting customers or supporters is considered an advertise ment. Administration means 1 Counseling employees including their de pendents and beneficiaries with respect to employee benefit programs 2 Handling records in connection with employee benefit programs or 3 Effecting or terminating an employee s par ticipation in a plan included in employee benefit programs. Bodily injury means bodily injury sickness or dis ease sustained by a person including death result ing from any of these at any time. Coverage territory means 1 The United States of America including its territories and possessions Puerto Rico and Canada or 2 All parts of the world if the insured s respon sibility to pay damages is determined in a suit on the merits in the territory described in D. 1 above or in a settlement to which we agree. Employee means Your officers and employees whether actively em ployed disabled or retired. Employee benefit programs mean Group life insurance group accident or health in surance profit sharing plans pension plans em ployee stock subscription plans workers compensa tion une mployment insurance salary continuation U GL851 B CW 604 Page 3of 4 | 2 |
G. plans social security disability benefits insurance avings plans vacation plans or any other similar plans or programs. Insured means You and any of your partners executive officers di rectors members stockholders or employees pro vided such employee is authorized to act in the administration of your employee benefit pro grams. Personal and advertising injury means Injury including consequential bodily injury aris ing out of one or more of the following offens 1 False arrest detention or imprisonment 2 Malicious prosecution 3 The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person oc cupies by or on behalf of its owner landlord or lessor 4 Oral or written publication in any manner of material that slanders or libels a person or or ganization or disparages a person s or organi zation s goods products or services or 5 Oral or written publication in any manner of material that violates a person s right of pri vacy 6 The use of another s advertising idea in your advertisement or 7 Infringing upon another s copyright trade dress or slogan in your advertise ment. Property damage means 1 Physical injury to tangible property including all resulting loss of use of that property. 2 Loss of use of tangible property that is not physically injured. For the purposes of this insurance electronic data is not tangible property. As used in this definition electronic data means in formation facts or programs stored as or on cre ated or used on or transmitted to or from computer software including systems and applications soft ware hard or floppy disks CD ROMS tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Suit means A civil proceeding in which damages to which this insurance applies is alleged. Suit includes 1 An arbitration proceeding in which such dam ages are claimed and to which you must submit or do submit with our consent or 2 Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which you submit with our consent. U GL851 B CW 604 Page dof 4 | 2 |
Fellow Employee Coverage Endorsement THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part 1. Itis agreed that paragraph 2. a. 1 of SECTION II WHO IS AN INSURED is deleted and replaced by the following 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company b For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1 a above or Arising out of his or her providing or failing to provide professional health care services. U GL915 C CW 804 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Silica or Silica Mixed Dust Exclusion Policy No. EIf. Date of Pol. Exp. Date of Pol. Eff. Date of End. AddL Prem THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Products Completed Operations Liability Coverage Part The following additional exclusion is added to 2. Exclusions of Section I. Coverages 2. Exclusions This insurance does not apply to Silica or Silica Mixed Dust A. Bodily injury property damage or personal and advertising injury caused directly or indirectly in whole or in part by the actual alleged or threatened inhalation ingestion absorption exposure to existence of or presence of silica or Loss costs or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any manner responding to or assessing the effects of sil ica by any insured or by any other person or entity. For the purposes of this exclusion the following definition applies Silica means 1 Any form of crystalline or non crystalline amorphous silica silica particles. ica mixed or combined with dust or other particles or silica compounds silica dust or sil 2 Synthetic silica including precipitated silica silica gel pyrogenic or fumed silica or silica flour. U GL923 B CW 604 Page Lof Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
ZURICH Waiver Of Subrogation Blanket Endorsement Policy No. Eff. Date of Pol Exp. Date of Pol. Eff. Date of End. Producer AddL Prem Return Prem. This endorsement modifies insurance provided under the THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Commercial General Liability Coverage Part The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition If you are required by a written contract or agreement which is executed before a loss to waive your rights of recovery from oth ers we agree to waive our rights of recovery. This waiver of rights shall not be construed to be a waiver with respect to any other operations in which the insured has no contractual interest. BLANKET WHERE REQUIRED BY WRITTEN CONTRACT U GL925 B CW 1201 Page 1 of 1 | 2 |
EMPLOYEE BENEFIT LIABILITY COVERAGE PART OCCURRENCE DECLARATIONS Policy Number GLO 1051832 00 Named Insured M.E. COLLINS CONTRACTING Policy Period Coverage begins 09 01 2014 Producer Name LOCKTON COMPANIES LLC Producer No. 28832 000 09 01 2014 at1201 AM Coverageends 09 01 2015 at1201 AM Item 1. Limits of Insurance 2000000 Aggregate Limit 1000000 Each Act Error or Omission Limit Iltem 2. Form of Business Individual Partnership Joint Venture X Corporation other Item 3. Premium Schedule Code No. Premium Basis Rate Advance Premium Estimated Number of Employees 92100 15 INCL Per Employee INCL INCL Flat Charge INCL Total Advance Premium For This Coverage Part INCL Audit Period X Annual Semi annual Quarterly Monthly Forms And Endorsements Applicable To This Coverage Part SEE SCHEDULE OF FORMS AND ENDORSEMENTS Advance Premium U GL D851 B CW 904 Page Lof | 2 |
Z ZURICH 2012 General Liability Multistate Forms Revision Notice to Policyholders This is a summary of the major changes in your policy. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary THE PROVISIONS OF THE POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage and other changes are highlighted below. This notice does not reference every editorial change made in your policy. We have followed the policy sequence of provisions in setting out this material. COMMERCIAL GENERAL LIABILITY COVERAGE FORMS CG 000104 13 AND CG 00020413 I. EXCLUSIONS A. BROADENING OF COVERAGE 1. Coverage A Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Coverage A Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. B. OTHER CHANGES 1. Coverage A Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. 2. Coverage A Exclusion 2.g. Aircraft Auto Or Watercraft is revised to delete reference to in the state. 3. Coverage A Exclusion 2.q. and Coverage B Exclusion 2.p. Recording And Distribution Of Material Or Information In Violation Of Law were previously added to your policy via mandatory endorsement. The endorsement contained an exclusion addressing injury or damage arising out of any action or omission that violates or is alleged to violate certain statutes ordinances and regulations. This exclusion has been incorporated directly into your policy. 4. Coverage B Exclusions 2.b. and 2.c. Material Published With Knowledge Of Falsity and Material Published Prior To Policy Period are revised to reference in any manner with respect to oral or written publication for consistency with the definition of personal and advertising injury. 1. CONDITIONS OTHER CHANGES Condition 4. Other Insurance is generally revised so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. lll. DEFINITIONS OTHER CHANGES 1. Definition 2. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 12. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. UGL P0008 A CW 0413 Page 1 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR CG00090413 I. EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.l Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. Il. DEFINITIONS OTHER CHANGES 1. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. LIQUOR LIABILITY COVERAGE FORMS CG 00330413 AND CG 00330413 WHO IS AN INSURED BROADENING OF COVERAGE We have included trusts as Named Insureds. In addition trustees have been included as insureds but only with respect to their duties as trustees. CG 00 35 04 13 RAILROAD PROTECTIVE LIABILITY COVERAGE FORM EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.f.3a Pollution is amended to expand the exception to the exclusion with respect to bodily injury or property damage arising out of fuel or lubricants for equipment used at the job location not just when they escape from such equipment. PRODUCTS COMPLECATED OPERATIONS LIABILITY COVERAGE FORM CG 0037 04 13 AND CG 00 38 04 13 I. EXCLUSIONS BROADENING OF COVERAGE 1. Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Exclusion 2.1 Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. IL.LDEFINITIONS OTHER CHANGES 1. Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. UGL P0008 A CW 0413 Page 2 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
2. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 3. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. CG 00 39 04 13 POLLUTION LIABILITY COVERAGE FORM DESIGNATED SITES CG 004004 13 POLLUTION LIABILITY LIMITED COVERAGE FORM DESIGNATED SITES I. EXCLUSIONS A. BROADENING OF COVERAGE Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. B. OTHER CHANGES Exclusion Aircraft Auto Rolling Stock Or Watercraft is generally revised to reinforce that the exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured. The exclusion is also revised to express that a land motor vehicle subject to compulsory or financial responsibility laws or other motor vehicle insurance laws will not be covered with respect to its over the road exposures. Il. DEFINITIONS OTHER CHANGES 1. Exclusion 2.j. Aircraft Auto Rolling Stock Or Watercraft is revised to delete reference to in the state. CG 00 40 only 2. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 3. Definition Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. CG 00 42 04 13 UNDERGROUND STORAGE TANK POLICY DESIGNATED TANKS EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.i. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. CG 00 65 04 13 ELECTRONIC DATA LIABILITY COVERAGE FORM EXCLUSIONS OTHER CHANGES Exclusion 2.g. Infringement Of Intellectual Property Rights is revised to delete the exception pertaining to the use of another s advertising idea. UGL P0008 A CW 0413 Page 3 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
MULTISTATE ENDORSEMENTS A. BROADENING OF COVERAGE 1. Electronic Data Liability Endorsement CG 04 37 is revised to introduce an exception to the electronic data exclusion in order to provide that the exclusion does not apply to liability for damages because of bodily injury. 2. Additional Insured Owners Lessees Or Contractors Automatic Status For Other Parties When Required In Written Construction Agreement Endorsement CG 20 38 is introduced to provide additional insured status to those parties whom the named insured is obligated in writing in a contract or agreement to name as an additional insured. 3. Druggists Endorsement CG 22 69 is revised to introduce an exception for the administering of vaccinations. 4. Liquor Liability Bring Your Own Alcohol Establishments Endorsement CG 24 06 is introduced to provide coverage to insureds who permit any person to bring any alcoholic beverage on an insured s premises for consumption on the insured s premises. B. REDUCTIONS OF COVERAGE 1. Additional Insured Users Of Golfmobiles Endorsement CG 20 08 is revised to include a definition of the term golfmobile. 2. Liquor Liability Exclusion Endorsements The following endorsements are revised to indicate that the liquor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured s premises for consumption on the named insured s premises CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Part CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Part CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Part CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Part 3. Total Pollution Exclusion For Designated Products Or Work Endorsement CG 21 99 is introduced to exclude coverage with respect to bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants which arises out of the product or work scheduled in the endorsement. 4. Amendment Of Personal And Advertising Injury Definition Endorsement CG 24 13 is introduced to remove from the definition of personal and advertising injury the offense of oral and written publication in any manner of material that violates a person s right of privacy. C. OTHER CHANGES 1. Limited Product Withdrawal Expense Endorsement CG 04 36 is revised in part to reinforce that the Participation Percentage is indicated in the Schedule and to reflect that the cost of the insured s participation in each product withdrawal will be borne by the named insured when due. 2. Primary And Noncontributory Other Insurance Condition Endorsement CG 20 01 is introduced to revise the Other Insurance Condition to indicated that coverage is provided to an additional insured on a primary and noncontributory basis provided that certain requirements are met. 3. Additional Insured Endorsements The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less UGL P0008 A CW 0413 Page 4 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
CG 20 03 Additional Insured Concessionaires Trading Under Your Name CG 20 05 Additional Insured Controlling Interest CG 20 07 Additional Insured Engineers Architects Or Surveyors CG 20 10 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG 20 11 Additional Insured Managers Or Lessors Of Premises CG 20 12 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations CG 20 13 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations Relating To Premises CG 20 15 Additional Insured Vendors CG 20 18 Additional Insured Mortgagee Assignee Or Receiver CG 20 23 Additional Insured Executors Administrators Trustees Or Beneficiaries CG 20 24 Additional Insured Owners Or Other Interest From Whom Land Has Been Leased CG 20 26 Additional Insured Designated Person Or Organization CG 20 27 Additional Insured Co owner Of Insured Premises CG 20 28 Additional Insured Lessor Of Leased Equipment CG 20 29 Additional Insured Grantor Of Franchise CG 20 30 Oil Or Gas Operations Nonoperating Working Interests CG 20 31 Additional Insured Engineers Architects Or Surveyors CG 20 32 Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG 20 33 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG 20 34 Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You CG 20 35 Additional Insured Grantor Of Licenses Automatic Status When Required By Licensor CG 20 36 Additional Insured Grantor Of Licenses CG 20 37 Additional Insured Owners Lessees Or Contractors Completed Operations CG 29 35 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations. Professional Services Endorsements The following endorsements are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured CG 21 16 Exclusion Designated Professional Services CG 21 52 Exclusion Financial Services CG 21 56 Exclusion Funeral Services CG 21 57 Exclusion Counseling Services CG 21 58 Exclusion Professional Veterinarian Services CG 21 59 Exclusion Diagnostic Testing Laboratories CG 22 24 Exclusion Inspection Appraisal And Survey Companies CG 22 32 Exclusion Professional Services Blood Banks CG 22 33 Exclusion Testing Or Consulting Errors And Omissions CG 22 34 Exclusion Construction Management Errors And Omissions CG 22 36 Exclusion Products And Professional Services Druggists CG 22 37 Exclusion Products And Professional Services Optical And Hearing Aid Establishments CG 22 39 Exclusion Camps Or Campgrounds CG 22 43 Exclusion Engineers Architects Or Surveyors Professional Liability UGL P0008 A CW 0413 Page 5 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
10. 11. 12 13. 14. CG 22 44 Exclusion Services Furnished By Health Care Providers CG 22 45 Exclusion Specified Therapeutic Or Cosmetic Services CG 22 48 Exclusion Insurance And Related Operations CG 22 69 Druggists CG 22 71 Colleges Or Schools Limited Form CG 22 72 Colleges Or Schools CG 22 75 Professional Liability Exclusion Computer Software CG 22 76 Professional Liability Exclusion Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities CG 22 77 Professional Liability Exclusion Computer Data Processing CG 22 79 Exclusion Contractors Professional Liability CG 22 80 Limited Exclusion Contractors Professional Liability CG 22 87 Exclusion Adult Day Care Centers CG 22 88 Professional Liability Exclusion Electronic Data Processing Services And Computer Consulting Or Programming Services CG 22 90 Professional Liability Exclusion Spas or Personal Enhancement Facilities CG 22 91 Exclusion Telecommunication Equipment Or Service Providers Errors And Omissions CG 22 96 Limited Exclusion Personal And Advertising Injury Lawyers CG 22 98 Exclusion Internet Service Providers And Internet Access Providers Errors And Omissions CG 22 99 Professional Liability Exclusion Web Site Designers CG 23 01 Exclusion Real Estate Agents Or Brokers Errors Or Omissions CG 31 15 Construction Project Management Protective Liability Coverage. Exclusion Volunteer Workers Endorsement CG 21 66 is revised to delete reference to in the state from Exclusion 2.g. Aircraft Auto Or Watercraft.. Exclusion Failure To Supply Endorsement CG 22 50 is revised to expressly state that the exclusion also applies to the failure of any insured to adequately supply biofuel.. Pesticide Or Herbicide Applicator Coverage Endorsements CG 22 64 and CG 28 12 and Lawn Care Services Coverage Endorsement CG 22 93 are revised to reflect a change in titles to Herbicide Applicator Limited Pollution Coverage endorsements and Lawn Care Services Limited Pollution Coverage.. Real Estate Property Managed Endorsement CG 22 70 is revised to reinforce that the insurance provided is excess over any other insurance available whether such insurance is primary or excess.. Colleges Or Schools Endorsements CG 22 71 and CG 22 72 are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. Waiver Of Governmental Immunity Endorsement CG 24 14 is revised to reference that the endorsement also applies to the Owners And Contractors Protective Liability Coverage Part and the Railroad Protective Liability Coverage Part. Amendment Of Insured Contract Definition Endorsement CG 24 26 and Limited Contractual Liability Railroads Endorsement CG 24 27 are revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another party to the extent the assumption of the tort liability is permitted by law. Designated Locationss Aggregate Limit Endorsement CG 25 14 is introduced to make a separate Designated Location Aggregate Limit available for each location of the insured listed in the Schedule of the endorsement. Supplemental Extended Reporting Period Endorsement CG 27 10 and Supplemental Extended Reporting Period Endorsement For Specific Accidents Products Work Or Locations Endorsement CG 27 11 are revised to amend Condition 4. Other Insurance so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. Principals Protective Liability Coverage Endorsement CG 28 07 is revised to delete reference to in the state from Exclusion 2.c.1ei. UGL P0008 A CW 0413 Page 6 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
15. Liquor Liability Exclusion Endorsements The following endorsements are revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Part CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Part CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Part CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Part ZURICH N.A. PROPRIETARY MULTISTATE ENDORSEMENTS U GL393 Exclusion Liquor Liability and Alcohol Consumption Health Hazards BROADENING OF COVERAGE Coverage A Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. OTHER CHANGES Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. U GL655 Clinical Testing Exclusion OTHER CHANGES This endorsement was revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1060 Contractors Liability Supplemental Coverages And Conditions BROADENING OF COVERAGE 1. The Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You Section has been added to provide coverage similar to the coverage provided by ISO endorsement CG 20 28. 2. The Additional Insured Managers Or Lessors Of Premises Section has been added to provide coverage similar to the coverage provided by ISO endorsement CG 20 11. 3. The Additional Insured State Or Governmental Agency Or subdivision Or Political Subdivision Permits Or Authorizations Section has been added to provide coverage similar to the coverage provided by 1ISO endorsement CG 20 12. 4. The Amendment Duties In The Event of Occurrence Offense Claim or Suit Section has been broadened to state that the reporting of an occurrence to a workers compensation carrier is not considered a violation of the Duties In The Event Of Occurrence Offense Claim Or Suit Condition under certain circumstances. OTHER CHANGES 1. The Who Is An Insured Sections of U GL1060 have been moved to U GL1518. 2. The Non owned Watercraft Liability Extended Coverage Section is revised to include a Schedule that provides an option to change the 51 feet watercraft length default. 3. The items relating to revising the peril of fire to specific perils have been grouped under the Damage To Premises Rented Or Occupied By You Section. UGL P0008 A CW 0413 Page 7 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
U GL1081 Additional Insured Owners Lessees or Contractors Primary Insurance OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Finally the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1175 Additional Insured Automatic Owners Lessees Or Contractors OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1177 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1321 Broad Form Additional Insured Coverage Owners Lessees Or Contractors Scheduled Person or Organization OTHERCHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. UGL P0008 A CW 0413 Page 8 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
10. 1. 12. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1327 Other Insurance Amendment Primary and Noncontributory OTHER CHANGES This endorsement has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1445 Electrical Contractors Liability Coverage Enhancement BROADENING OF COVERAGE Coverage A Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. U GL1452 Printers Errors and Omissions Liability Including Cost to Correct and Expenses of Withdrawal or Inspection Coverage BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. OTHER CHANGES The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion Exclusion t. for clarity. U GL1453 Printers Errors and Omissions Liability and Expenses of Withdrawal or Inspection Coverage BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. OTHER CHANGES The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion Exclusion t. for clarity. U GL1461 Additional Insured Automatic Owners Lessees Or Contractors Products Completed Operations Liability Amendment OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. UGL P0008 A CW 0413 Page 9 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
13. 14. 15. 16. U GL1462 Additional Insured Owners Lessees Or Contractors Products Completed Operations Liability Amendment Scheduled Person Or Organization OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. Finally the Architects and Engineers Exclusion in this endorsement was revised to expressly address in part claims alleging negligence or the wrongdoing in the hiring employment training supervision or monitoring of others by any insured. U GL1465 Additional Insured Owners Lessees Or Contractors Ongoing Operations Scheduled OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. U GL1466 Additional Insured Owners Lessees Or Contractors Completed Operations Scheduled OTHER CHANGES This additional insured endorsement has been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. U GL1477 General Liability Extended Coverages OTHER CHANGES This endorsement contains two additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. UGL P0008 A CW 0413 Page 10 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
17. 18. 19. 20. 21. U GL1484 Contractor s Pollution Liability Endorsement BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. OTHER CHANGES This endorsement was revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion for clarity. U GL1489 Heating And Air Conditioning Contractor Li Coverage Enhancement BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. U GL1504 General Liability Supplemental Coverage Endorsement Real Estate Enhancement OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1505 General Liability Supplemental Coverage Endorsement Real Estate Class A OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1506 General Liability Supplemental Coverage Endorsement Real Estate Trophy Asset OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. UGL P0008 A CW 0413 Page 11 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
22. 23. 24. 25. 26. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1513 Interior Trade Contractor Liability Coverage Enhancement BROADENING OF COVERAGE The Electronic Data exclusion is revised to introduce an exception for liability for damages because of bodily injury. U GL1517 Recording and Distribution of Material or Information of Law Exclusion OTHER CHANGES The word monitoring has been added to Recording and Distribution of Material or Information of Law exclusion for clarity. U GL1330 Financial Institutions Extension OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1345 General Li OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. ity Supplemental Coverage Endorsement Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. U GL1369 General Li OTHER CHANGES This endorsement contains three additional insured provisions that have been revised to indicate that when this endorsement is attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. ity Supplemental Coverage Endorsement Technology Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Also the Primary and Noncontributory wording has been revised to be consistent with the new ISO CG2001 Primary and Noncontributory Other Insurance Condition Endorsement. UGL P0008 A CW 0413 Page 12 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number GLO 1051832 00 ZURICH AMERICAN INSURANCE COMPANY Named Insured M.E. COLLINS CONTRACTING Policy Period Coverage begins 09 01 2014 at1201 AM. Coverageends 09 01 2015 at1201AM. Producer Name LOCKTON COMPANIES LLC Producer No. 28832 000 Item 1. Business Description Item 2. Limits of Insurance GENERAL AGGREGATE LIMIT 2000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 300000 Any one premises MEDICAL EXPENSE LIMIT 10000 Any one person PERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization Item 3. Retroactive Date CG 00 02 ONLY This insurance does not apply to bodily injury property damage or personal and advertising injury offense which occurs before the Retroactive Date if any shown here NONE Enter Date or None if no Retroactive Date applies Item 4. Form of Business and Location Premises Form of Business CORPORATION Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 5. Schedule of Forms and Endorsements Forms and Endorsements made a part of this Policy at time of issue See Schedule of Forms and Endorsements Item 6. Premiums Coverage Part Premium 67502.00 Other Premium Total Premi 02.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number GLO 1051832 00 ZURICH AMERICAN INSURANCE COMPANY Named Insured M.E. COLLINS CONTRACTING Policy Period Coverage begins 09 01 2014 at1201 AM. Coverageends 09 01 2015 at1201AM. ENERAL AGGREGATE LIMIT ENERAL AGGREGATE LIMIT 2000000 RODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 ACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 300000 Any one premises MEDICAL EXPENSE LIMIT 10000 Any one person ERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization 300000 Any one premises 10000 Any one person 1000000 Any one person or organization UGLD11158 CW 904 | 2 |
COMMERCIAL GENERAL LIABILITY CG00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Nl Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicity provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. 3 d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. his policy restrict coverage. arefully to determine rights 10 t covered. e words you and your refer own in the Declarations and lization qualifying as a Named y. The words we us and providing this insurance. s any person or organization r Section Il Who Is An es that appear in quotation ning. Refer to Section V S INJURY AND PROPERTY ums that the insured becomes pay as damages because of roperty damage to which this We will have the right and e insured against any suit 1aages. However. we will have 2 2 CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or faling to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or c d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoril cleaning up removing contai treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph.2 or f.3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 3 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behaf by a subcontractor. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.. Personal And Advel This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 lmpaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. ing Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or usion does not apply to ded in the products ard. ur product arising out ir work arising out of it luded in the products ard. apply if the damaged CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Ill Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Nl Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicity provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. ance applies to this coverage 1 Il Limits Of Insurance. AL AND ADVERTISING ums that the insured becomes pay as damages because of ertisina iniurv to which this Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. publishing or n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 4 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS d. 1. Insuring Agreement a. We will pay medical expenses as described Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are below for bodily injury caused by an accident 1 On premises you own or rent payable or must be provided under a workers compensation or disability benefits law or a similar law. 2 On ways next to premises you own or rent e. Athletics Activities or. To a person injured while practicing instructing 3 Because of your operations or participating in any physical exercises or provided that games sports or athletic contests. a The accident takes place in the coverage f. Products Completed Operations Hazard territory and during the policy period Included within the products completed b The expenses are incurred and reported operations hazard. to us within one year of the date of the g. Coverage A Exclusions accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend These payments will not exceed the applicable a. All expenses we incur. limit of fns.urance. We will pay reasonable b. Up to 250 for cost of bail bonds required expenses for because of accidents or traffic law violations 1 First aid administered at the time of an arising out of the use of any vehicle to which the accident Bodily Injury Liability Coverage applies. We do 2 Necessary medical surgical X ray and dental not have to furnish these bonds. services including prosthetic devices and c. The cost of bonds to release attachments but 3 Necessary ambulance hospital professional OIY for bond amounts within the appllqabe limit nursing and funeral services. glljr gssurance. We do not have to furnish these 2. Exclusions N T d. All reasonable expenses incurred by the insured We will not pay expenses for bodily injury at our request to assist us in the investigation or a. Any Insured defense of the claim or suit including actual To any insured except volunteer workers. I955 of earnings up to 250 a day because of Hired Pe time off from work. Hire rson. e. All court costs taxed against the insured in the To a person hired to do work for or on behalf of suit. However these payments do not include any insured or a tenant of any insured. attorneys fees or attorneys expenses taxed. Injury On Normally Occupied Premises against the insured. To a person injured on that part of premises you f. Prejudgment interest awarded against the own or that the occupies. rent person normally insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. as described an accident u own or rent 1 the coverage icy period 1 and roannrtad Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. b c d So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section I Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. Anindividual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. lit and the information rence are such that no etween the interests of sts of the indemnitee e insured ask us to the defense of that suit and agree that we ounsel to defend the e and CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above c For which there is any obligation to share c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. damages with or repay someone elsg vhu No person or organization is an insured with respect to must pay damages because of the injury the conduct of any current or past partnership joint described in Paragraph 1a or b venture or limited liability company that is not shown as above or a Named Insured in the Declarations. d Arising out of his or her providing or SECTION IIl LIMITS OF INSURANCE failing to provide professional health care 4 pq Limits of Insurance shown in the Declarations services. and the rules below fix the most we wil pay 2 Property damage to property regardless of the number of a Owned occupied or used by a. Insureds b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage Aand b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claimis made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. 2. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. AL VPR LY cts completed Personal And will pay under s because of tained by any e whichever the most we yerty damage Damage To most we will 5 because of while rented while rented y you with e last preceding period for purposes Limits of Insurance. DMMERCIAL GENERAL LIABILITY CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below.. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner i That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Secton I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. b. Premium shown 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. 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. in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured.. The first Named Insured must keep records of the informaton we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.. Hostile fire However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. Itincorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fufiling the terms of the contract or agreement. Wiy Gdeeiylivid it e lamed Insured this vere the only Named gainst whom claim is Against Others To ver all or part of any this Coverage Part us. The insured must them. At our request ansfer those rights to overage Part we will ed Insured shown in CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 2 b 10. 1 12 Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker..Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. Mobile equipment means any of the following ty pes of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. agreement except in ruction or demolition feet of a railroad ired by ordinance to except in connection ty S Nrearant s Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
13. 14. 15. However self propelled vehicles with following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding cleaning geophysical exploration and well servicing equipment. building lighting However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. b. c. False arrest detention or imprisonment Malicious prosecution The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services. Oral or written publication in any manner of material that violates a person s right of privacy. The use of another s advertising idea in your advertisement or Infringing upon another s copyright trade dress or slogan in your advertisement. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 3 Products or the 16. Products completed operations hazard. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still 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. 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 operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. equipment but will be imarily for but not construction milar devices mounted chassis and used to and mps and generators welding building exploration lighting oment. does not include any t to a compulsory or r other motor vehicle icensed or principally ct to a compulsory or r other motor vehicle autos. accident including ure to substantially the ns. injury means injury y injury arising out of ffenses nprisonment n wrongful entry into private occupancy of a nises that a person or on behalf of its n in any manner of r libels a person or aee a pereon s or. TR dam or r wort 2 3 CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product 18. 19. a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or warnings or instructions. failure to provide failure to provide Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
COMMERCIAL GENERAL LIABILITY CG 00650413 ELECTRONIC DATALIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section VI Definitions. SECTION COVERAGES DAMAGE TO ELECTRONIC DATA LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of loss of electronic data 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 to which this insurance does not apply. We may at our discretion investigate any electronic data incident and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section I Limit 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. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to loss of electronic data only if 1 The loss of electronic data Is caused by an electronic data incident b Takes place in the coverage territory and c Did not occur before the Retroactive Date if any shown in the Declarations or after the end of the policy period and 2 A claim for damages because of the loss of electronic data is first made against any insured in accordance with Paragraph c. below during the policy period or any Extended Reporting Period we provide under Section V Extended Reporting Period. c. A claim by a person or organization seeking damages will be deemed to have been made at the earlier of the following times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or 2 When we make a settlement in accordance with Paragraph a. above. All claims for damages because of loss of electronic data arising out of an electronic data incident shall be deemed to have been made at the time the first of those claims is made against any insured. A claim received and recorded by the insured within 30 days after the end of the policy period will be considered to have been received within the policy period. However this 30 day period does not apply to claims that are covered under any subsequent insurance you purchase or that would be covered but for the exhaustion of the amount of insurance applicable to such claims. 2. Exclusions This insurance does not apply to a. Expected Or Intended Loss Loss of electronic data expected or intended from the standpoint of the insured. CG 00650413 Insurance Services Office Inc. 2012 Page 10f 7 | 2 |
. Contractual Liability Loss of electronic data for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Computer Products Or Services Exclusion Loss of electronic data arising out of a negligent act error or omission by or for you or anyone acting on your behalf in providing computer products or services.. Bodily Injury Property Damage Or Personal And Advertising Injury Damages that are bodily injun property damage or personal and advertising injury.. Damage To Your Data Loss of electronic data that 1 Is owned by you 2 Was developed by or for you or 3 Is your work or your product.. Performance Of A Contract Loss of electronic data arising out of a delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms.. Infringement Of Intellectual Property Rights Loss of electronic data arising out of or resulting from the actual or alleged infringement of trademark copyright patent trade secret or other intellectual property rights.. Unauthorized Use Of Electronic Data Loss of electronic data arising out of theft or unauthorized viewing copying use corruption manipulation or deletion of electronic data by any Named Insured past or present employee temporary worker or volunteer worker of the Named Insured. Violation Of An Antitrust Law Any claim for damages arising out of the violation of an antitrust law. Criminal Or Fraudulent Acts Loss of electronic data arising out of a criminal or fraudulent act committed by or at the direction of the insured. SUPPLEMENTARY PAYMENTS We will pay with respect to any claim we investigate or settle or any suit against an insured we defend 1. 2. These payments will All expenses we incur. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds.. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. L. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured.. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer.. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. not reduce the limits of insurance. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. Page 20of 7 Insurance Services Office Inc. 2012 CG 00650413 | 2 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. b. Any person other than your employee or volunteer worker 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 until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage does not apply to loss of electronic data that occurred before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Aggregate Limitis the most we will pay for the sum of all damages because of loss of electronic data. 3. Subject to Paragraph 2. above the Each Electronic Data Incident Limit is the most we will pay for the sum of all damages because of the loss of electronic data arising out of any one electronic data incident. 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 ELECTRONIC DATA 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 An Electronic Data Incident a. You must see to it that we are notified as soon as practicable once you or any insured listed under Paragraph 1. of Section Il Who Is An Insured know or suspect that an electronic data incident has occurred which may result in a claim. To the extent possible notice should include 1 How when and where the known or suspected electronic data incident took place 2 The name and address of any person or organization whose electronic data was lost or damaged and The nature and location of any damage arising out of the known or suspected electronic data incident. Notice of a known or suspected electronic data incident 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. c. You and any other involved insured must 1 Immediately send wus copies of any demands notices summonses or legal papers received in connection with the claim or suit 3 CG 00650413 Insurance Services Office Inc. 2012 Page 3of 7 | 2 |
2 Authorize us to obtain records and other information Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense. 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 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 any other valid and collectible insurance is available to the insured for a loss we cover under this Coverage Part this insurance is excess over such other insurance unless that other insurance was bought specifically to apply in excess of the Limit of Insurance shown in the Declarations of this Coverage Part. When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. 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. 3 4 We will share the remaining loss if any with any other insurance.. 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 and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. 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.. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete b. Those statements are based upon representations you made to us and c. 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 a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought.. 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. Page 4of 7 Insurance Services Office Inc. 2012 CG 00650413 | 2 |
If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period from us if a. This Coverage Part is canceled or not renewed for any reason or b. We renew or replace this Coverage Part with insurance that 1 Has a Retroactive Date later than the date shown in the Declarations of this Coverage Part or 2 Does not apply to loss of electronic data on a claims made basis. 2. An Extended Reporting Period as specified in Paragraph 1. above lasts three years and is available only by endorsement and for an additional charge. You must give us a written request for the Extended Reporting Period Endorsement within 30 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the additional premium promptly when due and any premium or deductible you owe us for coverage provided under this policy. Once in effect the Extended Reporting Period may not be canceled. We will determine the additional premium in accordance with our rules and rates. In doing so we may take into account the following a. The exposures insured b. Previous types and amounts of insurance c. Limits of Insurance available under this policy for future payment of damages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this policy. 3. The Extended Reporting Period starts with the end of the policy period and does not extend the policy period or change the scope of coverage provided. It applies only to claims to which the following applies a. The claim is first made during the Extended Reporting Period b. The loss of electronic data occurs before the end of the policy period and c. The loss of electronic data did not commence before the Retroactive Date if any. 4. The Extended Reporting Period Endorsement applicable to this coverage shall set forth the terms not inconsistent with this section applicable to the Extended Reporting Period including a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and collectible insurance available under policies in force after the Extended Reporting Period starts. 5. The Extended Reporting Period does not reinstate or increase the Limits of Insurance. SECTION VI DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. 3. Coverage territory means all parts of the world provided the insured s responsibility to pay damages is determined in a suit on the merits in the United States of America including its territories and possessions Puerto Rico or Canada or in a settlement we agree to. 4. Computer products or services means a. Manufacturing developing designing creating selling handling marketing distributing licensing or disposing of computer or electronic goods by you or on your behalf. Computer or electronic goods includes but is not limited to 1 Computer software or computer programming 2 Electronic or computer equipment components or peripherals 3 Communications or broadcasting equipment or 4 Industrial or robotic equipment and any containers other than vehicles materials parts or equipment furnished in connection with such computer or electronic goods by you or on your behalf or CG 00650413 Insurance Services Office Inc. 2012 Page 50f 7 | 2 |
10. b. Computer related services performed by you or on your behalf including but not limited to 1 Installation testing service maintenance technical support repair integration networking consulting or analysis of or training for a Computer software or computer programming b Electronic or computer equipment components or peripherals c Communications or broadcasting equipment or d Industrial or robotic equipment 2 Processing storage transmission or other handling of electronic data for others or 3 Provision of broadcasting or communication services for others or consulting evaluating or advising on such services including but not limited to broadcasts or communications via television cable satellite radio Internet wireless transmissions or cellular transmissions.. 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.. Electronic data incident means an accident or a negligent act error or omission or a series of causally related accidents negligent acts or errors or omissions which results in loss of electronic data.. 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.. 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. Loss of electronic data means damage to loss of loss of use of corruption of inability to access or inability to properly manipulate electronic data. 11. 12 13. 14. 15. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. 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 d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your advertisement. 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 electronic data incident that caused it. For the purposes of this insurance electronic data is not tangible property. Suit means a civil proceeding in which damages because of loss of electronic data to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. Page 6 of 7 Insurance Services Office Inc. 2012 CG 00650413 | 2 |
16. Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 17.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. CG 00650413 Insurance Services Office Inc. 2012 Page 7of 7 | 2 |
Policy Number GLO 1051832 00 ENDORSEMENT ZURICH AMERICAN INSURANCE COMPANY Named Insured M.E. COLLINS CONTRACTING Effective Date 09 01 14 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 28832 000 COMPOSITE RATE UNIT OF EXPOSURE RESIDENTIAL DEFINITION THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE PREMIUM AND REPORTS AGREEMENT COMPOSITE RATED POLICIES ENDORSEMENT CONDITION 5 PREMIUM AUDIT E. 4 UNIT OF EXPOSURE OTHER IS DEFINED AS RECEIPTS OR PAYROLL FROM RESIDENTIAL BUILDINGS. FOR THE PURPOSES OF COMPUTING THE EARNED PREMIUM FOR THE POLICY PERIOD A RESIDENTIAL BUILDING SHALL MEAN 1. ANY SINGLE FAMILY DWELLING INCLUDING BUT NOT LIMITED TO HOUSES TOWN HOMES OR TOWNHOUSES OR 2. ANY MULTI FAMILY DWELLING INCLUDING BUT NOT LIMITED TO CONDOMINIUMS COOPERATIVES DUPLEXES TRIPLEXES OR FOURPLEXES OR 3. ANY STRUCTURE THAT COMBINES ANY OTHER USE WITH RESIDENTIAL DWELLINGS INCLUDING BUT NOT LIMITED TO THOSE LISTED IN 1. OR 2. ABOVE OR 4. ANY OTHER STRUCTURE OR IMPROVEMENT WHICH IS ATTACHED TO OR ANCILLARY TO ANY STRUCTURE IDENTIFIED IN 1 2 OR 3 ABOVE CONSTRUCTED RECONSTRUCTED REMODELED OR REPAIRED WITH THE INTENT THAT TITLE TO EACH INDIVIDUAL DWELLING OR DWELLING UNIT WILL BE TRANSFERRED SEPARATELY TO EACH OWNER. NOT WITHSTANDING THE ABOVE RESIDENTIAL BUILDING DOES NOT INCLUDE ANY STRUCTURE THAT FUNCTIONS AS APARTMENTS TIME SHARES A HOTEL A MOTEL A NURSING HOME AN ASSISTED LIVING SENIOR HOUSING CARE FACILITY A COLLEGE CAMPUS DORMITORY OR GOVERNMENT HOUSING ON MILITARY BASES. U GL1114 A CW 1002 L e e GLO 1051832 00 ENDORSEMENT ZURICH AMERICAN INSURANCE COMPANY M.E. COLLINS CONTRACTING FR ECEIPTS OR PAYROLL FROM RESIDENTIAL BUILDINGS. OR THE PURPOSES OF COMPUTING THE EARNED PREMIUM FOR THE POLICY ERIOD A RESIDENTIAL BUILDING SHALL MEAN. ANY SINGLE FAMILY DWELLING INCLUDING BUT NOT LIMITED TO HOUSES OWN HOMES OR TOWNHOUSES OR. ANY MULTI FAMILY DWELLING INCLUDING BUT NOT LIMITED TO ONDOMINIUMS COOPERATIVES DUPLEXES TRIPLEXES OR FOURPLEXES OR. ANY STRUCTURE THAT COMBINES ANY OTHER USE WITH RESIDENTIAL WELLINGS INCLUDING BUT NOT LIMITED TO THOSE LISTED IN 1. OR 2. BOVE OR. ANY OTHER STRUCTURE OR IMPROVEMENT WHICH IS ATTACHED TO OR NCILLARY TO ANY STRUCTURE IDENTIFIED IN 1 2 OR 3 ABOVE ONSTRUCTED RECONSTRUCTED REMODELED OR REPAIRED WITH THE INTENT HAT TITLE TO EACH INDIVIDUAL DWELLING OR DWELLING UNIT WILL BE RANSFERRED SEPARATELY TO EACH OWNER. OT WITHSTANDING THE ABOVE RESIDENTIAL BUILDING DOES NOT INCLUDE NY STRUCTURE THAT FUNCTIONS AS APARTMENTS TIME SHARES A HOTEL A OTEL A NURSING HOME AN ASSISTED LIVING SENIOR HOUSING CARE ACILITY A COLLEGE CAMPUS DORMITORY OR GOVERNMENT HOUSING ON ILITARY BASES. | 2 |
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