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Crest Industrial Chemicals Inc. Endorsement Number 14 Named Insured Endorsement This endorsement effective 8292017 attaches to and forms a part of Policy Number FEL PPL17496 04. It modifies insurance provided under the Environmental Impairment Liability Policy. This endorsement changes the Policy. Please read it carefully. In consideration of additional premium of 0 it is hereby agreed that the following entityies isare included as Additional Named Insureds Named Insureds Crest Industrial Chemicals Inc. 1737 County Road 57 Rosharon TX 77583 Crest Industrial Sales Inc. 1737 County Road 57 Rosharon TX 77583 Correia Holdings Inc. 1737 County Road 57 Rosharon TX 77583 EIL085 0712 All other terms and conditions remain the same. | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 15 ADMIRAL zsizsere Non Owned Disposal Site Coverage Endorsement This endorsement effective 8292017 attaches to and forms a part of Policy Number FEL PPL17496 04. It modifies insurance provided under the Environmental Impairment Liability Policy. This endorsement changes the Policy. Please read it carefully. The Environmental Impairment Liability Coverage Form I. Insuring Agreements is deleted in its entirety and replaced with the following COVERAGE The Company shall pay up to the Limits of Liability and in excess of the Self Insured Retention on behalf of the Insured all. Cleanup Costs of the Insured e Liabilities for Property Damage to a Third Party including Cleanup Costs e Liabilities for Bodily Injury to a Third Party and e Liabilities for Bodily Injury or Property Damage at Non Owned Disposal Sites and Defense Expenses resulting from Pollution Conditions at upon within under or migrating from a Scheduled Location which commenced during the Policy Period or after the Retroactive Date if any and were Discovered and reported to the Company during the Policy Period the Automatic Extended Reporting Period or the Optional Extended Reporting Period if any. A Claim under this coverage must be reported to the Company in accordance with Section VII. Conditions. Crest Industrial Chemicals Inc. Endorsement Number 15 In addition it is hereby agreed that the Environmental Impairment Liability Coverage Form II. Definitions Liabilities is deleted in its entirety and replaced with the following Liabilities The term Liabilities means those sums that the Insured becomes legally obligated to pay to Third Parties as a result of Claims for o Bodily Injury EIL096 0513 All other terms and conditions remain the same. EIL096 0513 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 15 Property Damage o Cleanup Cost or Non Owned Disposal Sites. Scheduled Non Owned Disposal Sites Any location that e accepts the Insured s wastes or recyclable materials and e s properly permitted by applicable federal state or local regulatory agencyies to accept the Insured s wastes and e isnot listed on the CERCLA information system CERCLIS as defined by 40 CFR Part 300.5 of the Code of Federal Regulations or any equivalent state or local programs The retroactive date applicable to this endorsement is 8292013. If no date appears the retroactive date shown on the declarations page shall apply. All other terms and conditions remain the same. EIL096 0513 EIL096 0513 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 16 Exclusion Of Terrorism This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART CONTRACTORS POLLUTION LIABILITY COVERAGE PART ENVIRONMENTAL IMPAIRMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART STORAGE TANK ENVIRONMENTAL IMPAIRMENT LIABILITY COVERAGE PART A. The following definitions are added and apply under this endorsement wherever the term terrorism or the phrase any injury or damage are enclosed in quotation marks 1. Terrorism means activities against persons organizations or property of any nature a. That involve the following or preparation for the following 1 Use or threat of force or violence or 2 Commission or threat of a dangerous act or 3 Commission or threat of an act that interferes with or disrupts an electronic communication information or mechanical system and b. When one or both of the following applies 1 The effect is to intimidate or coerce a government or the civilian population or any segment thereof or to disrupt any segment of the economy or 2 Itappears that the intent is to intimidate or coerce a government or to further political ideological religious social or economic objectives or to express or express opposition to a philosophy or ideology. Any injury or damage means any injury or damage covered under any Coverage Part or Policy to which this endorsement is applicable and includes but is not limited to bodily injury property damage personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part or Policy. CG 21900106 I1SO Properties Inc. 2004 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 16 B. The following exclusion is added EXCLUSION OF TERRORISM We will not pay for any injury or damage caused directly or indirectly by terrorism including action in hindering or defending against an actual or expected incident of terrorism. Any injury or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage. But this exclusion applies only when one or more of the following are attributed to an incident of terrorism 1. The terrorism is carried out by means of the dispersal or application of radioactive material or through the use of a nuclear weapon or device that involves or produces a nuclear reaction nuclear radiation or radioactive contamination or Radioactive material is released and it appears that one purpose of the terrorism was to release such material or The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials or The total of insured damage to all types of property exceeds 25000000. In determining whether the 25000000 threshold is exceeded we will include all insured damage sustained by property of all persons and entities affected by the terrorism and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions or Fifty or more persons sustain death or serious physical injury. For the purposes of this provision serious physical injury means a. Physical injury that involves a substantial risk of death or b. Protracted and obvious physical disfigurement or c. Protracted loss of or impairment of the function of a bodily member or organ. Multiple incidents of terrorism which occur within a 72 hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident for the purpose of determining whether the thresholds in Paragraphs B.5. or B.6. are exceeded. CG 21900106 I1SO Properties Inc. 2004 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 16 With respect to this Exclusion Paragraphs B.5. and B.6. describe the threshold used to measure the magnitude of an incident of terrorism and the circumstances in which the threshold will apply for the purpose of determining whether this Exclusion will apply to that incident. When the Exclusion applies to an incident of terrorism there is no coverage under this Coverage Part or Policy. In the event of any incident of terrorism that is not subject to this Exclusion coverage does not apply to any injury or damage that is otherwise excluded under this Coverage Part or Policy. CG 21900106 I1SO Properties Inc. 2004 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 17 ADMIRAL 5 Hired and Non Owned Auto Liability Coverage Endorsement This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. In consideration of an additional premium of 0 and notwithstanding anything contained in this policy to the contrary it is hereby agreed that this insurance applies only to that coverage for which specific limits of insurance are shown COVERAGE NON OWNED AUTO LIABILITY HIRED AUTO LIABILITY LIMITS OF INSURANCE 1000000 Each Occurrence 1000000 Aggregate included in General Aggregate of Policy HIRED AUTO LIABILITY The insurance provided under this policy applies to bodily injury or property damage arising out of the maintenance or use of a hired auto by you or your employee in the course of your business. NON OWNED AUTO LIABILITY The insurance provided under this policy applies to bodily injury or property damage arising out of the use of a non owned auto in your business by any person other than you. With respect to the insurance provided by this endorsement 1. The COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION I COVERAGES COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2. Exclusions items c. e. g. h. i. j k. m. n. and o. are deleted and replaced by the following a. Bodily injury 1 To an employee of the insured arising out of and in the course of employment by the insured or 2 To the spouse child parent brother or sister of that employee as a consequence of 1 above. Crest Industrial Chemicals Inc. Endorsement Number 17 1000000 1000000. ECC353 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 17 b. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of injury. This exclusion does not apply to 1 Liability assumed by the insured under an insured contract or 2 Bodily injury to domestic employees not entitled to worker s compensation benefits. Property damage 1. To any vehicle rented or hired under a written rental contract or agreement or 2. To property owned or transported by the insured or in the insured s care custody or control. The COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION II WHO IS AN INSURED is deleted in its entirety with respect to coverage afforded by this endorsement and replaced by the following Each of the following is an insured under this insurance to the extent set forth below a. You b. Any other person using a hired auto with your permission c. With respect to a non owned auto any partner or executive officer of yours but only while such non owned auto is being used in your business d. Any other person or organization but only with respect to their liability because of acts or omissions of an insured under a. b. or c. above. of the following is an insured under this insurance a. Any person engaged in the business of his or her employer with respect to bodily injury to any co employee of such person injured in the course of employment Any partner or executive officer with respect to an auto owned by such partner or executive officer or a member of their household Any person while employed in or otherwise engaged in duties in connection with an auto business other than an auto business you own or operate The owner or lessee of whom you are a sublessee of a hired auto or the owner of a non owned auto or any agent or employee of any such owner or lessee ECC353 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 17 e. Any person or organization with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. DEFINITIONS The following additional definitions apply to coverage provided by this endorsement 1. Auto business means the business or occupation of selling repairing servicing storing or parking autos. 2. Domestic employees are persons engaged in household or domestic work performed principally in connection with a residence premises. 3. Hired auto means any auto you lease hire or borrow. This does not include any auto you lease hire or borrow from any of your employees or members of their households or from any of your partners or executive officers. 4. Non owned auto means any auto you do not own lease hire or borrow which is used in connection with your business. However if you are a partnership a non owned auto does not include any auto owned by any partner. ECC353 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 Employee Benefits Liability Declarations Policy No. FEI PPL17496 04 POLICY TERM Effective 8292017 Expiration 8292018 NAMED INSURED AND ADDRESS Crest Industrial Chemicals Inc. 1737 County Road 57 Rosharon TX 77583 RETROACTIVE DATE Section I of this insurance does not apply to negligent acts errors or omissions which occur before the following Retroactive Date if any 8292013 LIMITS OF INSURANCE Aggregate Limit 1.000.000 Each Employee Limit 1000.000 DEDUCTIBLE The deductible is 1.000. This reduces the Limit of Insurance shown as applicable to Each Employee Limit. PREMIUM NO. OF EMPLOYEES RATE PER EMPLOYEE ESTIMATED PREMIUM 20 Not Applicable first 5000 80 next 5 000 RATE PER EMPLOYEE OYEE le first 5000 next 5000 over 10000 Minimum Premium Advance Premium ESTIMATED PREMIUM 0 0 0 ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 EMPLOYEE BENEFITS LIABILITY 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. 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 II WHO IS AN INSURED. Other words and phrases that appear in quotation marks have special meaning. Refer to Section VII DEFINITIONS. SECTION I COVERAGE L Insuring Agreement. A. We will pay those sums that the insured becomes legally obligated to pay as damages because of any negligent act error or omission of the insured or of any other person for whose acts the insured is legally liable. The negligent act error or omission must be committed in the administration of your employee benefit program. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS. This insurance does not apply to any negligent act error or omission which occurred before the Retroactive Date if any shown in the Declarations or which occurs after the policy expires. The negligent act error or omission must take place in the coverage territory. We will have the right and duty to defend any suit seeking those damages. But 1. The amount we will pay for damages is limited as described in SECTION III LIMITS OF INSURANCE 2. We may at our discretion investigate any report of a negligent act error or omission and settle any claim or suit that may result and ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 B. 3. Ourright and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements. This insurance applies to any negligent act error or omission of the insured but only if a claim for damages because of the negligent act error or omission is first made against any insured during the policy period. 1. A claim by a person or organization seeking damages will be deemed to have been made when notice of such claim is received and recorded by any insured or by us whichever comes first. 2. All claims for damages sustained by any one employee including the employee s dependents and beneficiaries will be deemed to have been made at the time the first of those claims is made against any insured. 1I. Exclusions. This insurance does not apply to A. Loss arising out of any dishonest fraudulent criminal or malicious act or omission committed by any insured Bodily injury property damage or personal injury Loss arising out of failure of performance of contract by any insured Loss arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program Any claim or suit based upon 1. Failure of any investment to perform as represented by an insured or 2. Advice given to any person to participate or not to participate in any plan included in the employee benefit program ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 Loss arising out of your failure to comply with the mandatory provisions of any law concerning workers compensation unemployment insurance social security or disability benefits Loss for which the insured is liable because of liability imposed on a fiduciary by the Employee Retirement Security Act of 1974 as now or hereafter amended or Loss or damage for which benefits have accrued under the terms of an employee benefit plan to the extent that such benefits are available from funds accrued by the insured for such benefits or from collectible insurance notwithstanding the insured s act error or omission in administering the plan which precluded the claimant from receiving such benefits. 1II. Supplementary Payments. We will pay with respect to any claim or suit we defend A. B. 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 100 a day because of time off from work.. All costs taxed against the insured in the suit. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we made 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. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 These payments will not reduce the limits of insurance. SECTION II 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. C. An organization other than a partnership or joint venture you are an insured. Your directors and stockholders are also insureds but only with respect to their liability as your directors or stockholders. II. Each of the following is also an insured A. Each of your partners executive officers and employees who is authorized to administer your employee benefit program. B. 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. III. Any organization you newly acquire or form other than a partnership or joint venture and over which you maintain ownership or majority interest will be deemed to be 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 and B. Coverage under this provision does not apply to any negligent act error or omission 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 or joint venture that is not shown as a Named Insured in the Declarations. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 SECTION III LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of A. Insureds B. Claims made or suits brought C. Persons or organizations making claims or bringing suits D. Acts errors or omissions which result in loss or E. Plans included in your employee benefit program. II. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions committed in the administration of your employee benefit program. 1L Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including the employee s dependents and beneficiaries because of acts errors or omissions committed in the administration of your employee benefit program. The limits 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 1V DEDUCTIBLE 1. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in Item 4 of the Declarations as applicable to Each Employee. The limits of insurance applicable to Each Employee will be reduced by the amount of this deductible. The Aggregate limit shall not be reduced by the application of such deductible amount. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 II. The deductible amount stated in the Declarations applies to all damages sustained by an employee because of an act error or omission covered by this insurance. III. The terms of this insurance including those with respect to A. Our right and duty to defend any suits seeking those damages and B. Your duties in the event of an act error or omission claim or suit apply irrespective of the application of the deductible amount. IV. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. SECTION V EMPLOYEE BENEFITS 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. II. Duties In The Event Of Act Error Or Omission Claim Or Suit. A. You must see to it that we are notified as soon as practicable of an act error or omission which may result in a claim. Notice should include 1. What the act error or omission was and when it occurred and 2. The names and addresses of any employees who may suffer damages as a result of the act error or omission. Notice of an act error or omission is not notice of a claim. B. Ifa claim is received by any insured you must 1. Immediately record the specifics of the claim and the date received and ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 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 us copies of any demands notices summonses or legal papers received in connection with the claim or a suit 2. Authorize us to obtain records and other information 3. Cooperate with us in the investigation settlement or defense of the claim or 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 damage to which this insurance may also apply. D. No insureds will except at their own cost voluntarily make a payment assume any obligation or incur any expense without our consent. III. Legal Action Against Us. No person or organization has a right under this Coverage Part A. To join us as a party or otherwise bring us into a suit asking for damages from an insured or B. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 IV. Other Insurance. If other valid and collectible insurance is available to the insured for a loss we cover under this Coverage Part our obligations are limited as follows A. Primary Insurance. This insurance is primary except when paragraph 4. of Section VI Extended Reporting Periods 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 b. below. B. 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. V. Premium Audit. A. We will compute all premiums for this Coverage Part in accordance with our rules and rates. B. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period. Audit premiums are due and payable on notice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium we will return the excess to the first Named Insured. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 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. VI. 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. VII.Separation of Insureds. Except with respect to the Limits of Insurance and any rights or duties specifically assigned to the first Named Insured this insurance applies A. Asif each Named Insured were the only Named Insured and B. Separately to each insured against whom claim is made or suit is brought. VIIITransfer 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. IX. Cancellation Non renewal Renewal and Reduction or Deletion of Coverage. The following conditions also apply to this Coverage Part All conditions relating to cancellation non renewal renewal and reduction or deletion of coverage which would apply to a Commercial General Liability Coverage Part attached to this policy. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 SECTION VI EXTENDED REPORTING PERIODS 1L We will provide an automatic Extended Reporting Period as described in paragraph 3. or if you purchase it an Extended Reporting Period Endorsement as described in paragraph 4. only if A. This Coverage Part is cancelled or not renewed for any reason or B. We renew or replace this Coverage Part with other insurance that has a Retroactive Date later than the one shown in this Coverage Part s Declarations.. If we provide an Extended Reporting Period the following is added to paragraph 1.b. of SECTION I INSURING AGREEMENT Section 1 A claim first made during the Extended Reporting Period will be deemed to have been made on the last day of the policy period provided that the claim is for damages because of an act error or omission that occurred before the end of the policy period of this policy but not before any applicable Retroactive Date. The Extended Reporting Period will not reinstate or increase the Limits of Insurance or extend the policy period. The automatic Extended Reporting Period will be for 60 days starting with the end of the policy period of this policy. This automatic Extended Reporting Period applies only if no subsequent insurance you purchase applies to the claim or would apply but for the exhaustion of its applicable limit of insurance. This automatic Extended Reporting Period may not be cancelled.. If you purchase the optional Extended Reporting Period Endorsement the Extended Reporting Period will be for one year starting with the end of the policy period of this policy. We will issue that Endorsement if the first Named Insured shown in the Declarations ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 A. Makes a written request for it which we receive within 60 days after the end of the policy period and Promptly pays the additional premium when due. The Extended Reporting Period Endorsement will not take effect unless the additional premium is paid when due. If that premium is paid when due the endorsement may not be cancelled. The Extended Reporting Period Endorsement will also amend paragraph 4.a. of SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Other Insurance so that the insurance provided will be excess over any other valid and collectible insurance available to the insured whether primary excess contingent or on any other basis whose policy period begins or continues after the Endorsement takes effect. V. We will determine the actual premium for the Extended Reporting Period Endorsement in accordance with our rules and rates. In doing so we may take into account the following A. B. C. D. The exposures insured Previous types and amounts of insurance Limits of Insurance available under this Coverage Part for future payment of damages and Other related factors. The premium for the Extended Reporting Period Endorsement will not exceed 200 of the annual premium for the Coverage Part to which the endorsement would be attached and will be fully earned when the Endorsement takes effect. SECTION VII DEFINITIONS 1. Administration means ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 Counseling employees including their dependents and beneficiaries with respect to the employee benefit program Handling records in connection with the employee benefit program or Effecting or terminating any employee s participation in a plan included in the employee benefit program. 1I. Bodily injury means bodily injury sickness or disease sustained by a I VL L person including death resulting from any of these at any time. Coverage territory means the United States of America including its territories and possessions Puerto Rico and Canada.. Employees means your officers partners and employees whether actively employed disabled or retired. Employee benefit program means the following plans A. Group life insurance group accident or health insurance profit sharing plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such insurance or plans Unemployment insurance social security benefits workers compensation and disability benefits or Any other similar plan designated in the Declaration or added thereto by endorsement. Personal injury means injury other than bodily injury arising out of one or more of the following offenses A. B. False arrest detention or imprisonment Malicious prosecution Wrongful entry into or eviction of a person from a room dwelling or premises that the person occupies ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 18 D. Oral or written publication of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services or E. Oral or written publication of material that violates a person s right of privacy. VILProfit sharing plans mean only such plans that are equally available to all full time employees. VIILProperty damage means A. Physical injury to tangible property including all resulting loss of use of that property or B. Loss of use of tangible property that is not physically injured IX. Stock subscription plans mean only such plans that are equally available to all full time employees. Suit means a civil proceeding in which damages because of an act error or omission to which this insurance applies are alleged. Suit includes an arbitration proceeding alleging such damages to which you must submit. ECC359 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 19 ADMIRAL zsizsere Amendment of Cancellation Notice Endorsement This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. In consideration of an additional premium of 0 this endorsement modifies insurance provided under the following Notwithstanding the appropriate provision of this policy in the event cancellation of this policy is instigated by the Company for any reason except nonpayment of premium the Company will endeavor to provide 30 days advance notice of such cancellation to the following Crest Industrial Chemicals Inc. Endorsement Number 19 ECC502 0712 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 20 Mold and Mildew Exclusion This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. This endorsement modifies insurance provided under the Coverage Parts indicated below In consideration of the premium charged and not withstanding anything contained in this policy to the contrary it is hereby agreed that this insurance does not apply to any loss or expense arising directly or indirectly out of or in concurrence with actual alleged or threatened existence growth spread proliferation discharge dispersal seepage release cross contamination or escape of any form of fungus including mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi regardless of whether or not any such loss or expense arises out of professional services or any air testing air monitoring air sampling physical testing sample collection evaluation assessment remediation abatement investigation clean up analytical testing andor containment activities performed or rendered by the Named Insured or by anyone acting on behalf or at the request or under the direct or indirect supervision of the Named Insured. The Company will have no duty to defend any legal proceeding or to pay for any claim excluded by this endorsement. ECC510 0317 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 21 Punitive or Exemplary Damage Amendment This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. This endorsement modifies insurance provided under the Coverage Parts indicated below In consideration of the premium charged it is agreed that this policy shall not apply to a claim of or indemnification for punitive or exemplary damages or any damages awarded pursuant to statute in the form of double treble or other multiple damages in excess of compensatory damages. If suit is brought against the insured for a claim falling within coverage provided under the policy seeking both compensatory and punitive or exemplary damages then we will afford a defense to such action however we will have no obligation to pay for any costs interest or damages attributable to punitive or exemplary damages. This amendment does not apply in states where punitive or exemplary damages are insurable by law. ECC528 0317 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 22 Automatic Primary and Non Contributory Insurance Endorsement Designated Work Or Projects This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. This endorsement modifies insurance provided under the Coverage Parts indicated below SCHEDULE Name of Person or Organization Any persons or organizations whom the Named Insured agrees in a written contract to provide Primary andor Non contributory status of this insurance. However this status exists only for the project specified in that contract. In consideration of an additional premium of 0 and notwithstanding anything contained in this policy to the contrary it is hereby agreed that this policy shall be considered primary to any similar insurance held by third parties in respect to work performed by you under any written contractual agreement with such third party. It is further agreed that any other insurance which the persons or organizations named in the schedule may have is excess and non contributory to this insurance. ECC548 0317 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 23 Additional Insured Vendors This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. In consideration of an additional premium of 0 this endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIBILITY COVERAGE PART SCHEDULE Name and Address of Person or Any persons or organizations whom the Named Insured agrees Organization in a written contract to name as an Additional Insured. Your Products Your Products Those products where this Additional Insured coverage is required are per the written contract. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. WHO IS AN INSURED Section II is amended to include as an insured any person or organization referred to below as vendor shown in the Schedule but only with respect to bodily injury or property damage arising out of your products shown in the Schedule which are distributed or sold in the regular course of the vendor s business subject to the following additional exclusions 1. The insurance afforded the vendor does not apply to a. Bodily injury or property damage for which the vendor 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 vendor would have in the absence of the contract or agreement b. Any express warranty unauthorized by you c. Any physical or chemical change in the product made intentionally by the vendor d. Repackaging unless unpacked solely for the purpose of inspection demonstration CG20151188 Copyright Insurance Services Office Inc. 1986 1988 | 2 |
Crest Industrial Chemicals Ir Endorsement Number ADMIRAL 25izzise testing or the substitution of parts under instructions from the manufacturer and then repackaged in the original container e. Any failure to make such inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products f. Demonstration installation servicing or repair operations except such operations performed at the vendor s premises in connection with the sale of the product g. Products which after distribution or sale by you have been labeled or relabeled or used as a container part or ingredient of any other thing or substance by or for the vendor. 2. This insurance does not apply to any insured person or organization from whom you have acquired such products or any ingredient part or container entering into accompanying or containing such products. Crest Industrial Chemicals Inc. Endorsement Number 23 CG20151188 Copyright Insurance Services Office Inc. 1986 1988 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 24 ADMIRAL zsizsere Additional Insured Owners Lessees or Contractors Completed Operations This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name and Address of Person or Organization Any persons or organizations whom the Named Insured agrees in a written contract to name as an Additional Insured. Location And Description of Completed Operations Those project locations where this additional insured coverage is required by contract. Additional Premium 0 If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. Section II Who Is An Insured is amended to include as an insured the person or organization shown in the Schedule but only with respect to liability arising out of your work at the location designated and described in the schedule of this endorsement performed for that insured and included in the products completed operations hazard. Crest Industrial Chemicals Inc. Endorsement Number 24 ALY PEdUIG y U1 Ul pdlUlZallULis WU LI INdIICA HLUICU divls 1l 4 Wil Lulitlavt W lallle as an Additional Insured. CG 20371001 Copyright ISO Properties Inc. 2000 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 25 Amendment Aggregate Limits of Insurance Per Project This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. In consideration of an additional premium of 0 this endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The General Aggregate Limit under LIMITS OF INSURANCE SECTION III applies separately to each of your projects away from premises owned by or rented to you. Copyright Insurance Services Office Inc. 1984 CG 2503 1185 | 2 |
Crest Industrial Chemicals Inc. Endorsement Number 26 Service of Suit This endorsement effective 8292017 attaches to and forms a part of Policy Number FEI PPL17496 04. This endorsement changes the Policy. Please read it carefully. The Named Insured and the Company agree to the following In the event of the failure by the Company to pay any amount claimed to be due under this policy the Company will at the Named Insured s request submit to the jurisdiction of any court of competent Jjurisdiction within the United States of America and will comply with all requirements necessary to give the Court jurisdiction. Nothing in this endorsement constitutes or should be understood to constitute a waiver of the Company s rights to commence an action in any court of competent jurisdiction in the United States to remove an action to a United States District Court or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state in the United States. In a suit instituted against the Company under this contract the Company agrees to abide by the final decision of the court or of any appellate court in the event of an appeal. Pursuant to any statute of any state territory or district of the United States of America which makes a provision therefore the Company will designate the Superintendent Commissioner or Director of Insurance or other officer specified for that purpose in the statute or his successor or successors in office as the Company s true and lawful attorney upon whom may be served any lawful process in any action suit or proceeding instituted by or on behalf of the Named Insured or the Named Insured s beneficiary arising out of this contract of insurance. The officer named below is authorized and directed to accept service of process on the Company s behalf Rene A. Miller Freberg Environmental Insurance Inc. 2000 South Colorado Boulevard Tower II Suite 800 Denver CO 80222 Having accepted service of process on the Company s behalf the officer is authorized to mail the process or a true copy to Claims Berkley Custom Insurance Managers 3 Stamford Plaza 301 Tresser Blvd. 8 Floor Stamford CT 06901 ECC326 0712 | 2 |
nan nan nan nan 2.0 Crest Industrial Chemicals Inc. Endorsement Number 27 This insurance contract is with an insurer not licensed to transact insurance in this state and is issued and delivered as surplus line coverage under the Texas insurance statutes. The Texas Department of Insurance does not audit the finances or review the solvency of the surplus lines insurer providing this coverage and this insurer is not a member of the Property and Casualty Insurance Guaranty Association created under Chapter 462 Insurance Code. Chapter 225 Insurance Code requires payment of a 4.85 percent tax on gross premium. Texas Notice | 2 |
ADMIRAL 25izzise TEXAS IMPORTANT NOTICE To obtain information or make a complaint You may call the company s telephone number for information or to make a complaint at 1 213 270 7000 You may write the Company at Claims Berkley Custom Insurance Managers 3 Stamford Plaza 301 Tresser Blvd. 8 Floor Stamford CT 06901 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at 1 800 252 3439 You may write the Texas Department of Insurance PO Box 149104 Austin TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.us PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact the company first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. Crest Industrial Chemicals Inc. Endorsement Number 28 AVISO IMPORTANTE Para obtener informacion o para someter una queja Usted puede llamar al numero de telefono de la compania para informacion o para someter una queja al 1 213 270 7000 Usted tambien puede escribir a Claims Berkley Custom Insurance Managers 3 Stamford Plaza 301 Tresser Blvd. 8 Floor Stamford CT 06901 Puede communicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias coberturas derechos o quejas al 1 800 252 3439 Puede escribir al Departamento de Seguros de Texas PO Box 149104 Austin TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.us DISPUTAS SOBRE PRIMAS O RECLAMOS Si tiene una disputa concerniente a su prima 0 a un reclamo debe comunicarse con la compania primero. Si no se resuelve la disputa puede entonces comunicarse con el departamento TDI. UNA ESTE AVISO A SU POLIZA Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. Crest Industrial Chemicals Inc. Endorsement Number 28 IMP OTICE omplaint AVISO IMPORTANTE 1 213 270 7000 Y ou may write the Company at Claims Berkley Custom Insurance Managers 3 Stamford Plaza 301 Tresser Blvd. 8 Floor Stamford CT 06901 1 213 270 7000 Usted tambien puede escribir a Claims Berkley Custom Insurance Managers 3 Stamford Plaza 301 Tresser Blvd. 8 Floor Stamford CT 06901 800 252 3439 Insurance 04 1 li.state.tx.us rotectionts S Austin TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.us Texas State Policyholder Notice | 2 |
Figure 28 TAC 1.60a3 1 IMPORTANT NOTICE To obtain information or make a complaint 2 You may contact your title at telephone number. 3 You may call company s toll free telephone number for information or to make a complaint at 4 You may also write to company at 5 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at 1 800 252 3439 6 You may write the Texas Department of Insurance PO Box 149104 Austin TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.us 7 PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact either the agent or the company first. If the dispute is not resolved you may contact the Texas Department of Insurance. 8 ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. AVISO IMPORTANTE Para obtener informacion o para someter una queja Puede comunicarse con su title al telephone number. Usted puede llamar al numero de telefono gratis de company s para informacion o para someter una queja al Usted tambien puede escribir a company Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias coberturas derechos o quejas al 1 800 252 3439 Puede escribir al Departamento de Seguros de Texas PO Box 149104 Austin TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.state.tx.us E mail ConsumerProtectiontdi.state.tx.us DISPUTAS SOBRE PRIMAS O RECLAMOS Si tiene una disputa concerniente a su prima o a un reclamo debe comunicarse con el agente o la Compania primero. Si no se resuelve la disputa puede entonces comunicarse con el departamento TDI. UNA ESTE AVISO A SU POLIZA Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. u may also write to company at 149104 X 78714 9104 475 1771 pwww.tdi.state.tx.us onsumerProtectiontdi.state.tx.us T N LAy | 2 |
Policy Declarations Policy No. G27097121 001 Renewal of NEW NAMED INSURED MAILING ADDRESS Craneworks Inc. See Named Insured GLE0034 0199 7795 E. Little York Road Houston Texas 77016 POLICY PERIOD When Coverage Begins 11082013 When Coverage Ends 11082014 1201 A. M. Local Time At Named Insured s Address 1201 A. M. Local Time At Named Insured s Address INSURING COMPANY Producer s Name Address lllinois Union Insurance Company Worldwide Facilities 300 South Wacker Drive Chicago IL 60606 Producer No 701286 Policy Declarations See Named Insured GLE0034 0199 795 E. Little York Road louston Texas 77016 00 South Wacker Drive hicago IL 60606 This insurance contract is with an insurer not licensed to transact insurance in this state and is issued and delivered as a surplus line coverage under the Texas insurance statutes. The Texas Department of Insurance does not audit the finances or review the solvency of the surplus lines insurer providing this coverage and this insurer is not a member of the property and casualty insurance guaranty association created under Chapter 462 Insurance Code. Chapter 225 Insurance Code requires payment of 4.91 insert appropriate tax rate percent tax on gross premium. ATTACHED FORMS This policy is completed by the following WSG 054 0110 and forms and endorsements attached thereto. Authorization Information Dated 11202013 JOHN J. LUPICA. President Authorized Representative SLPD 0308 | 2 |
Commercial General Lia y Policy Declarations Policy No G27097121 001 Renewal of NEW Item 1. NAMED INSURED MAILING ADDRESS Craneworks Inc. See Named Insured GLE0034 0199 7795 E. Little York Road Houston Texas 77016 Item 2. POLICY PERIOD When Coverage Begins 11082013 When Coverage Ends 11082014 1201 AM. Local Time At Named Insured s Address 1201 AM. Local Time At Named Insured s Address Item 3. INSURING COMPANY Producer s Name Address Illinois Union Insurance Company Worldwide Facilities 300 South Wacker Drive Chicago IL 60606 Producer No. 701286 Item 4. LIMITS OF INSURANCE A. EACH OCCURRENCE LIMIT DAMAGE TO PREMISES RENTED TO YOU MEDICAL EXPENSE LIMIT B. PERSONAL ADVERTISING INJURY LIMIT C. GENERAL AGGREGATE LIMIT OTHER THAN PRODUCTS COMPLETED OPERATIONS D. PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 1000000 100000 Any One Premises Exclude Any One Person Any One Person 1000000 Or Organization 2000000 2000000 Item 5. ATTACHED FORMS Endorsements as Listed on Schedule of Endorsements No. CPFS2 This insurance contract is with an insurer not licensed to transact insurance in this state and is issued and delivered as a surplus line coverage under the Texas insurance statutes. The Texas Department of Insurance does not audit the finances or review the solvency of the surplus lines insurer providing this coverage and this insurer is not a member of the property and casualty insurance guaranty association created under Chapter 462 Insurance Code. Chapter 225 Insurance Code requires payment of 4.85 tax on gross premium. Worldwide Facillties Inc. License 14971 WSG 054 01 10 Texas Surplus Lines Tax Stamping Fee Premium 100685.00 Broker Fee Company Fee 3 4.85 State Tax S 488322 06 Stamping Fee n Page 10f 2 Commercial General Liability Policy Declarations 0034 0199 5 11082013 1201 A.M. Local Time At Named Insured s Address 11082014 1201 A.M. Local Time At Named Insured s Address 00 South Wacker Drive hicago IL 60606 Liviet S RENTED TO YOU MIT ISING INJURY LIMIT E LIMIT OTHER THAN ED OPERATIONS D OPERATIONS Page 10f 2 | 2 |
Commercial General Liability Policy Declarations Policy No 627097121 001 Renewal of NEW Item 6. PREMIUM FLAT except for acquisitions X ADJUSTABLE Minimum premium applies X Yes No Advance Premium 100685.00 Rate 1.81 Annual Minimum Premium 100685.00 Per 1000 of Gross Sales Total Amount Due 100685.00 Estimated Annual Exposure 55500000 Gross Sales Item 7. Authorization Information Countersigned by JOHN J. LUPICA. President nual Minimum Premium or 1 000. of Gross Sales WSG 054 01 10 Page 2 of 2 | 2 |
Forms Schedule lllinois Union Insurance Company Policy ID G27097121 001 When Coverage Begins 11082013 1201 AM. Local Time At Named Insured s Address When Coverage Ends 11082014 1201 AM. Local Time At Named Insured s Address WEIIIVY Vvifvvwie Company lllinois Union Insurance Company SYM GLW Policy ID G27097121 001 Policy Period When Coverage Begins 11082013 1201 AM. Local Time At Named Insured s Address When Coverage Ends 11082014 1201 AM. Local Time At Named Insured s Address Form Number Form Title SLPD 0308 WSG 054 0110 LD5S23i 1211 CG 000104 13 CG 201004 13 CG 20370413 CG 21340187 CG 21351001 CG 2147 1207 CG 214909 99 CG 2167 1204 CG 2186 1204 CG 22430413 GLE0092 1008 GLX0001 0196 IL 00 21 09 08 LD15270 0104 MANAOQ073 0201 MANAO115 0903 ULX0005 0197 ULX0006 0498 CG 24 04 05 09 CG 241007 98 CG 2503 05 09 CG 2504 05 09 GLE0027 0898 GLEO0034 0199 GLE0052 0113 GLEO0095 07 10 IL0017 1198 MANAQ097 1202 SL34255 0911 ALL21101 1106 G 21700108 IL 09 850108 Surplus Lines Declarations Commercial General Liability Policy Declarations Signature Endorsement Commercial General Liability Coverage Form Additional Insured Owners Lessees or Contractors Schedule Person or Organization Additional Insured Owners Lessees Or Contractors Completed Operations Exclusion Designated Work Exclusion Coverage C Medical Payments Employment Related Practices Exclusion Total Pollution Exclusion Endorsement Fungi Or Bacteria Exclusion Exclusion Exterior Insulation And Finish Systems Exclusion Engineers Architects Or Surveyors Professional Liability Exclusion Operations Covered By Dedicated Insurance Program Wrap Ups Discrimination Exclusion Nuclear Energy Liability Exclusion Endorsement Silica Dust and Particulate Matter Exclusion Aircraft Products or Grounding Exclusion Cross Suits Exclusion Lead Exclusion Absolute Asbestos Exclusion Waiver of Transfer of Rights of Recovery Against Others To Us Excess Provision Vendors Designated Construction Projects General Aggregate Limit Designated Locations General Aggregate Limit Employee Benefits Liability Endorsement Named Insured Amended Premium Audit Term Minimum Premium Minimum Earned Premium Non Contributory Other Insurance Endorsement Common Policy Conditions Deductible Liability Insurance Applicable to Indemnity And Expense Service of Suit Endorsement Trade Or Economic Sanctions Endorsement Cap On Losses From Certified Acts Of Terrorism Disclosure Pursuant To Terrorism Risk Insurance Act Copyright 2011 E CPfs2 0111 Page 1 of 1 | 2 |
SIGNATURE ENDORSEMENT Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 to 11082014 Effective Dale of Endorsement 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company THE ONLY SIGNATURES APPLICABLE TO THIS POLICY ARE THOSE REPRESENTING THE COMPANY NAMED ON THE FIRST PAGE OF THE DECLARATIONS. By signing and delivering the policy to you we state that it is a valid contract when countersigned by our authorized representative. ILLINOIS UNION INSURANCE COMPANY A stock company 525 W. Monroe Street Suite 400 Chicago lllinois 60661 WESTCHESTER SURPLUS LINES INSURANCE COMPANY A stock company Royal Centre Two 11575 Great Oaks Way Suite 200 Alpharetta GA 30022 JOHN J. LUPICA President CARMINE A. GIGANTI Secretary Authorized Representative LD5523i 1211 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM arious provisions in this policy restrict coverage. ead the entire policy carefully to determine rights uties and what is and is not covered. hroughout this policy the words you and your efer to the Named Insured shown in the Declarations nd any other person or organization qualifying as a lamed Insured under this policy. The words we us and our refer to the company providing this 1surance. he word insured means any person or organization ualifying as such under Section Il Who Is An sured. dther words and phrases that appear in quotation narks have special meaning. Refer to Section V efinitions. SECTION COVERAGES OVERAGE A BODILY INJURY AND PROPERTY JAMAGE LIABILITY. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 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. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to 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 CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. b 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 c Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. 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 monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton 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 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. 6. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it.. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 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 Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to. Contractual Liabili 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. 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. 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 publishing or telecasting 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. 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 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or ecause of your operations 3 B f ti provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. f. Products Completed Operations Hazard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. e. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. 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. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee 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 d 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. o b c So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b c d c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION Il LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property 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 claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written 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 Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. 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. 2 3 4 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. b. 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 i That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner iii That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section 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. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part.. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. 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. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete o 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 ToUs 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. 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.. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. 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 2 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 b 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. 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 types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
13. 14. 15. However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. 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. 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. 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your 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. When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. 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 b c insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 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 b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. 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 ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 20.Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality 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. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
POLICY NUMBER G27097121 001 POLICY NUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations As required by written contract signed by both parties prior to loss. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. C. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20100413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER G27097121 001 POLICY NUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY CG 20370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Location And Description Of Completed Operations As required by written contract signed by both parties prior to loss. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury or property damage caused in whole or in part by your work at the location designated and described in the Schedule of this endorsement performed for that additional insured and included in the products completed operations hazard. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20370413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED WORK This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of your work Construction of any single family dwelling townhouse condominium or multi tract housing development. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. This insurance does not apply to bodily injury or property damage included in the products completed opera tions hazard and arising out of your work shown in the Schedule. Page 1 of 1 a CG 21340187 Copyright Insurance Services Office Inc. 1986 | 2 |
POLICY NUMBER G27097121 001 POLICY NUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY CG 21351001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION COVERAGE C MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification All locations If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to any premises or classification shown 2. The following is added to Section Supple in the Schedule mentary Payments 1. Section Coverage C Medical Payments h. Expenses incurred by the insured for first does not apply and none of the references to it aid administered to others at the time of an in the Coverage Part apply and accident for bodily injury to which this in surance applies. locations 2. The following is added to Section Supple mentary Payments h. Expenses incurred by the insured for first aid administered to others at the time of an accident for bodily injury to which this in surance applies. CG21351001 ISO Properties Inc. 2000 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED COMMERCIAL GENERAL LIABILITY COVERAGE PART. 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 demotion evaluation reassignment discipline defamation harassment humiliation discrimination or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after employment of that person 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. PRACTICES EXCLUSION This endorsement modifies insurance provided under the following B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defamation harassment humiliation discrimination or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after employment of that person 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. 2 3 rson n s employment or tices policies acts or coercion demotion discipline defamation n discrimination or cbord b S o tme i y of the employment related n Paragraphs a b or c CG 21471207 ISO Properties Inc. 2006 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 2149 09 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under Paragraph 2. Exclusions of 2 Any loss cost or expense arising out of any Section Coverage A Bodily Injury And Prop a Re ol dly. quest demand order or statutory or erty Damage Liability is replaced by the following regulatory requirement that any insured or This insurance does not apply to others test for monitor clean up remove. Pollution contain treat detoxify or neutralize or in o. any way respond to or assess the effects 1 Bodily injury or property damage which of pollutants or would not have occurred in whole or part but for the actual alleged or threatened discharge b dispersal seepage migration release or es cape of pollutants at any time. Claim or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up remov ing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. CG 214909 99 Copyright Insurance Services Office Inc. 1998 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG21671204 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 Liability 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 threat ened 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 contributed conc urrently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing 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 bodily 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 and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened 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 contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any in sured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG21671204 ISO Properties Inc. 2003 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG21861204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION EXTERIOR INSULATION AND FINISH SYSTEMS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. This insurance does not apply to bodily injury B. The following definition is added to the Definitions property damage or personal and advertising in jury arising out of caused by or attributable to whether in whole or in part the following 1. The design manufacture construction fabrica tion preparation distribution and sale installa tion application maintenance or repair includ ing remodeling service correction or replacement of any exterior insulation and fin ish system or any part thereof or any substan tially similar system or any part thereof includ ing the application or use of conditioners primers accessories flashings coatings caulking or sealants in connection with such a system or 2. Your product or your work with respect to any exterior component fixture or feature of any structure if an exterior insulation and finish system or any substantially similar system is used on the part of that structure containing that component fixture or feature. Section Exterior insulation and finish system means a non load bearing exterior cladding or finish sys tem and all component parts therein used on any part of any structure and consisting of 1. A rigid or semi rigid insulation board made of expanded polystyrene and other materials 2. The adhesive andor mechanical fasteners used to attach the insulation board to the sub strate 3. Areinforced or unreinforced base coat 4. A finish coat providing surface texture to which color may be added and 5. Any flashing caulking or sealant used with the system for any purpose. CG21861204 I1SO Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 22430413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ENGINEERS ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you or any engineer architect or surveyor who is either employed by you or performing work on your behalf in such capacity. Professional services include 1. The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications and 2. Supervisory inspection architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional services by you or any engineer architect or surveyor who is either employed by you or performing work on your behalf in such capacity. CG 22430413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
EXCLUSION OPERATIONS COVERED BY A DEDICATED INSURANCE PROGRAM Named Insured Craneworks Inc. Endorsement Number Policy Symbol Policy Number Policy Period Effective Date of Endorsement GLW G27097121 001 11082013 7o 11082014 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE PART. The following additional exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury 1. arising out of your ongoing operations at or 2. included within the products completed operations hazard and arising out of your work at any construction project which is or was subject to a dedicated insurance program. This exclusion applies whether or not the dedicated insurance program 1 Provides coverage to one or more contractors 2 Provides multiple lines of coverage 3 Provides coverage identical to that provided by this Coverage Part 4 Has limits adequate to cover all claims or 5 Remains in effect. For the purposes of this endorsement dedicated insurance program means Wrap Up programs Owner Controlled Insurance Programs and any other job or project specific insurance programs whether provided by you or any other person or entity. Copyright 2008 2 GLE0092 1008 Page 1 of 1 | 2 |
DISCRIMINATION EXCLUSION Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 7o 11082014 Effective Dale of Endorsement 11082013 Insured By Name of Insurance Company Illinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM This policy does not apply to any liability or damage caused by the acts or omissions of any insured or insured s employee or any person acting on behalf of the insured arising out of 1. Discrimination of any kind and 2. Any actual or alleged defamation emotional distress humiliation or harassment which arises out of discrimination of any kind. All other terms and conditions of this policy remain unchanged. Copyright 1996 GLX0001 0196 Page 1 of 1 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under 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 Underwriters Nuclear Insurance Associa tion of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion 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 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 by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured 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 property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured 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 property thereat.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. 2 3 ISO Properties Inc. 2007 Page 1 of 2 a IL 00 21 09 08 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste c Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing 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 support ing chain reaction or to contain a critical mass of fissionable material. d Property damage includes all forms of radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 a | 2 |
Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 7o 11082014 Effective Date of Endorsement 11082013 Insured By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA DUST AND PARTICULATE MATTER EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM This insurance does not apply to any injury damage expense cost loss liability or legal obligation arising out of resulting from or in any way related to in whole or in part the respiration inspiration inhalation or breathing in of dust or particulate matter. Dust or particulate matter may include but is not limited to dust particulate matter inspirable dust respirable dust smoke mist dirt fibers grit soot salt acids bases metals aerosols crystals minerals sand silicates or silica. The addition of this endorsement does not imply that other policy provisions including but not limited to any pollution exclusion or asbestos exclusion do not also exclude coverage for dust or particulate matter related injury damage expense cost loss liability or legal obligation. Authorized Representative LD15270 0104 Reprinted in part with permission of ISO Properties Inc. 2001 Page 1 of 1 | 2 |
AIRCRAFT PRODUCTS OR GROUNDING EXCLUSION Named Insured Craneworks Inc. Endorsement Number Policy Symbol Policy Number Policy Period Effective Date of Endorsement GLW G27097121 001 11082013 7o 11082014 11082013 Insured By Name of Insurance Company Illinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM This insurance does not apply to Bodily Injury or Property Damage included in the Products Completed Operations Hazard and arising out of Aircraft Products upon which you have performed work or which were designed manufactured sold handled distributed or disposed of by you or by another trading under your name when such products are used in or on or attached to any aircraft or missile or any component part or sub assembly thereof or in connection with the use of aircraft. Aircraft Products means 1. Aircraft including missiles or spacecraft and any ground support maintenance of control equipment used therewith 2. Any articles furnished by an insured and installed in aircraft or used in connection with aircraft or for spare parts for aircraft 3. Ground handling tools and equipment 4. Training aids instruction manuals blueprints maps and guides engineering or other data engineering or other advice and services and labor relating to such aircraft or articles described above. This insurance does not apply to any damage of any kind whatsoever which arises out of grounding liability. Grounding means the withdrawal of aircraft whether or not owned or operated by you from flight operations in the interest of safety or for any other reason whether or not such grounding was ordered by a governmental agency. All other terms and conditions of this policy remain unchanged. Copyright 2001 MANAOQ073 0201 Page 1 of 1 | 2 |
CROSS SUITS EXCLUSION Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 to 11082014 Effective Date of Endorsement 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM This policy does not apply to bodily injury property damage or personal and advertising injury arising out of suits brought by any Named Insured against another Named Insured. All other terms and conditions of this policy remain unchanged. Copyright 2003 MANAO115 0903 Page 1 of 1 | 2 |
LEAD EXCLUSION Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 7o 11082014 Effective Date of Endorsement 11082013 Insured By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM This policy does not apply to 1. Bodily injury property damage personal injury advertising injury or any other liability or damage arising out of or involving lead paint containing lead or any other product containing lead or 2. Any fees costs or expenses of any nature whatsoever in the investigation or defense of any claim or suit arising out of or involving lead paint containing lead or any other product containing lead. All other terms and conditions of this policy remain unchanged. Copyright 1997 ULX0005 0197 Page 1 of 1 | 2 |
ABSOLUTE ASBESTOS EXCLUSION Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 7o 11082014 Effective Dale of Endorsement 11082013 Insured By Name of Insurance Company Illinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM This policy does not apply to bodily injury property damage personal injury or advertising injury or any other liability or damage arising out of or involving asbestos asbestos fibers or any product containing asbestos or asbestos fibers. Coverage for any fees costs or expenses of any nature whatsoever in the investigation or defense of any claim or suit arising out of or involving asbestos asbestos fibers or any product containing asbestos or asbestos fibers. All other terms and conditions of this policy remain unchanged. Copyright 1998 4 ULX0006 0498 Page 1 of 1 | 2 |
POLICY NUMBER G27097121 001 POLICY NUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization As required by written contract signed by both parties prior to loss Information required to complete this Schedule if not shown above will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. This waiver applies only to the person or organization shown in the Schedule above. CG 24 04 05 09 Insurance Services Office Inc. 2008 Page 1 of 1 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 24100798 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCESS PROVISION VENDORS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART When you are added to a manufacturer s or distributor s policy as an additional insured because you are a vendor for such manufacturer s or distributor s products Paragraph 4. Other Insurance of Conditions Section IV is amended by the addition of the following The coverage afforded the insured under this Coverage Part will be excess over any valid and collectible insur ance available to the insured as an additional insured under a policy issued to a manufacturer or distributor for products manufactured sold handled or distributed. CG 24100798 Copyright Insurance Services Office Inc. 1997 Page 1 of 1 a | 2 |
POLICY NUMBER G27097121 001 IUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY CG 2503 0509 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECTS GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects All projects Information required to complete this Schedule if not shown above will be shown in the Declarations. A. For all sums which the insured becomes legally obli 3. Any payments made under Coverage A for dam gated to pay as damages caused by occurrences under Section Coverage A and for all medical e xpenses caused by accidents under Section I Co verage C which can be attributed only to ongoing operations at a single designated construction pro ject shown in the Schedule above 1. A separate Designated Construction Project Ge neral Aggregate Limit applies to each designated construction project and that limit is equal to t he amount of the General Aggregate Limit sho wn in the Declarations. 2. The Designated Construction Project General Ag gregate Limit is the most we will pay for the sum of all damages under Coverage A except dam ages because of bodily injury or property da mage included in the products completed ope rations hazard and for medical expenses under Coverage C regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bri nging suits. ages or under Coverage C for medical expenses shall reduce the Designated Construction Proje ct General Aggregate Limit for that designated c onstruction project. Such payments shall not re duce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Des ignated Construction Project General Aggregate Limit for any other designated construction pro ject shown in the Schedule above. 4. The limits shown in the Declarations for Each O ccurrence Damage To Premises Rented To You and Medical Expense continue to apply. Howev er instead of being subject to the General Aggr egate Limit shown in the Declarations such lim its will be subject to the applicable Designated Construction Project General Aggregate Limit. CG 25030509 Insurance Services Office Inc. 2008 Page 1 of 2 | 2 |
B. For all sums which the insured becomes legally ob ligated to pay as damages caused by occurrences under Section Coverage A and for all medical e xpenses caused by accidents under Section I Cov erage C which can not be attributed only to ongoing operations at a single designated construction proje ct shown in the Schedule above 1. Any payments made under Coverage A for dam ages or under Coverage C for medical expenses shall reduce the amount available under the Ge neral Aggregate Limit or the Products completed Operations Aggregate Limit whichever is applic able and 2. Such payments shall not reduce any Designated Construction Project General Aggregate Limit. C. When coverage for liability arising out of the prod ucts completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products comp leted operations hazard will reduce the Products completed Operations Aggregate Limit and not red uce the General Aggregate Limit nor the Designated Construction Project General Aggregate Limit. D. If the applicable designated construction project has been abandoned delayed or abandoned and then restarted or if the authorized contracting parties de viate from plans blueprints designs specifications or timetables the project will still be deemed to be the same construction project. E. The provisions of Section Ill Limits Of Insurance not otherwise modified by this endorsement shall c ontinue to apply as stipulated. CG 2503 0509 Page 2 of 2 Insurance Services Office Inc. 2008 | 2 |
POLICY NUMBER G27097121 001 POLICY NUMBER G27097121 001 COMMERCIAL GENERAL LIABILITY CG 25 04 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED LOCATIONS GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Locations All locations. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. For all sums which the insured becomes legally b. Claims made or suits brought or obligated to pay as damages caused by occur rences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to operations at a single designated loca tion shown in the Schedule above 1. A separate Designated Location General Aggregate Limit applies to each designated location and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated Location General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A except dam ages because of bodily injury or property damage included in the products completed operations hazard and for medical expenses under Coverage C regardless of the number of a. Insureds c. Persons or organizations making claims or bringing suits. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Loca tion General Aggregate Limit for that desig nated location. Such payments shall not re duce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Location General Aggre gate Limit for any other designated location shown in the Schedule above. 4. The limits shown in the Declarations for Each Occurrence Damage To Premises Rented To You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Decla rations such limits will be subject to the appli cable Designated Location General Aggre gate Limit. CG 2504 05 09 Insurance Services Office Inc. 2008 Page 1 of 2 o | 2 |
C. When coverage for liability arising out of the products completed operations hazard is pro vided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products completed Operations Ag gregate Limit and not reduce the General Ag gregate Limit nor the Designated Location Gen eral Aggregate Limit. D. For the purposes of this endorsement the Defi nitions Section is amended by the addition of the following definition Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. E. The provisions of Section Ill Limits Of Insur ance not otherwise modified by this endorsement shall continue to apply as stipulated. B. For all sums which the insured becomes legally obligated to pay as damages caused by occur rences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attrib uted only to operations at a single designated location shown in the Schedule above 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Desig nated Location General Aggregate Limit. Page 2 of 2 Insurance Services Office Inc. 2008 CG 2504 05 09 o | 2 |
Named Insured Craneworks Inc. Policy Symbol Policy Number Endorsement Number GLW G27097121 001 Issued By Name of Insurance Company Policy Period 11082013 to 11082014 Effective Dale of Endorsement 11082013 lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY ENDORSEMENT Item Four of the Declarations Limits of Insurance is amended to include the following E 1000000 EACH WRONGFUL ACT OR SERIES OF RELATED WRONGFUL ACTS 1000000 EMPLOYEE BENEFITS LIABILITY AGGREGATE INSURING AGREEMENT A. We will pay those sums which the insured shall become legally obligated to pay as damages because of a wrongful act in the administration of Employee Benefits. We will have the right and duty to defend any suit seeking those damages. We may at our discretion investigate any wrongful act and settle any claim or suit that may result. But 1 The amount that we will pay for damages is limited as described above in paragraph 1. and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements. B. This insurance applies only to a wrongful act in the administration of the insured s Employee Benefits which occur during the policy period and take place in the coverage territory. EXCLUSIONS This insurance does not apply to 3 Any dishonest fraudulent criminal or malicious act or omission libel slander discrimination or humiliation or willful or reckless violation of any statute. Any fines penalties or taxes. Any claim or suit arising out of loss of currency coins bank notes bullion checks money orders and all negotiable and non negotiable instruments or contracts representing money. Any claim or suit arising out of the insured s failure to comply with any law concerning Workers Compensation Unemployment Insurance Social Security Disability Benefits or any similar law. GLE0027 08 98 Page 10f 3 | 2 |
5 Any claim or suit arising out of failure of performance of contract by any insurer. 6 Any claim or suit based upon i Failure of any investment to perform as represented by any insured or ii Advice given by an insured to participate or not to participate in any Employee Benefit Plan. Any claim or suit arising out of an insufficiency of funds to meet any obligation under any Employee Benefits Plan. 8 Any known claims or suits arising out of any wrongful act which has occurred been notified to any insurer or known to the insured prior to the inception of this policy. 9 Any breach of fiduciary duty by any other person for which the insured is legally responsible and arising out of the insured s activity as a fiduciary of any plan covered by this endorsement. For the purpose of this endorsement the term breach of fiduciary duty shall mean the violation of any of the responsibilities or obligations of duties imposed upon fiduciaries by the EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 or amendments thereto with respect to any plan covered by this endorsement. 10 Any claim or suit made against the insured based on or attributable to any wrongful act or failure on the part of the insured to effect and maintain insurance or bonding for plan property or assets. 11 Any liability arising out of the bankruptcy or insolvency of the insured. 12 Bodily Injury Property Damage Personal Injury or Advertising Injury. DEFINITIONS For the purposes of this endorsement the following Definitions are added to the policy EMPLOYEE BENEFITS means group life insurance group accident or health insurance profit sharing plans pension plans employee stock subscription plans 401 K savings plan workers compensation unemployment insurance social security and disability benefits insurance. ADMINISTRATION. As respects the insurance afforded hereby the unqualified word administration wherever used shall mean a Giving counsel to employees including their dependents and beneficiaries with respect to the Employee Benefits b Interpreting Employee Benefits c Handling records in connection with Employee Benefits d Effecting enrollment termination or cancellaton of employees under Employee Benefit Programs performed by a person authorized by the Named Insured to do such acts. GLE0027 08 98 Page 2 of 3 | 2 |
3 WRONGFUL ACT means any actual or alleged negligent act error or omission in the administration of the Employee Benefits Plan. LIMITS OF INSURANCE The following is added to Section Ill LIMITS OF INSURANCE as paragraph 8. 8. The Employee Benefits Liability Aggregate is the most we will pay for all damages because of a wrongful act included in the Employee Benefits Liability Endorsement. CONDITIONS The Conditions of the policy apply to this insurance unless specifically modified below Insured s Duties In The Event Of Occurrence Offense Claim Or Suit. Condition 2. of the policy applies provided that wherever the word occurrence appears it is deleted and the phrase wrongful act is substituted. Authorized Representative GLE0027 08 98 Page 3 of 3 | 2 |
NAMED INSURED AMENDED Named Insured Endorsement Number Craneworks Inc. Policy Symbol Policy Number Policy Period Effective Date of Endorsement GLW G27097121 001 11082013 to 11082014 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM Item One of the Declarations Named Insured is completed to read as follows Craneworks Inc. Craneworks Rentals LLC Collis Craneworks Inc. All other terms and conditions of this policy remain unchanged. GLE 0034 0199 Page 1 of 1 | 2 |
PREMIUM AUDIT TERM MINIMUM PREMIUM MINIMUM EARNED PREMIUM Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 to 11082014 Effective Dale of Endorsement 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM 1. Premium Audit The Premium Audit condition under SECTION 1V is deleted and replaced by the following Premium Audit a. Atthe close of each audit period we may at our sole discretion compute the audit premium for that period. If the audit premium is less than any applicable Term Minimum Premium as determined by item 3. below then there will be no return premium due. If the audit premium exceeds the advance premium paid then you will be responsible for paying as additional premium the difference between the audit premium and advance premium paid. b. 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. Minimum Earned Premium In the event this policy is cancelled before the expiration date shown in Item 2. of the Declarations the Minimum Earned Premium for this policy is the greater of a. The audit premium if applicable as described in 1. above or b. The pro rata amount of the advance premium based on the length of the cancelled policy term or c. 25 of the advance premium if cancellation is at the request of the insured. If no percentage is stated here then item 2. of this endorsement does not apply. If cancellation is at the request of the insured the premium specified in items a. or b. above may also be subject to a short rate adjustment calculated at 90 pro rata unearned premium amount. Copyright 2013 GLE 0052 0113 Page 1 0of 2 | 2 |
3. Term Minimum Premium If this policy continues in effect until the expiration date shown in Item 2. of the Declarations and if the premium is to be determined on an adjustable basis then the Term Minimum Premium for this policy is 100 of the advance premium. If no percentage is stated here then item 3. of this endorsement does not apply. Al other terms and conditions of the policy remain unchanged. Copyright 2013 GLE 0052 0113 Page 2 of 2 | 2 |
NON CONTRIBUTORY OTHER INSURANCE ENDORSEMENT Named Insured Craneworks Inc. Endorsement Number Policy Symbol GLW Policy Number G27097121 001 Policy Period 11082013 7o 11082014 Effective Date of Endorsement 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM Paragraph 4. c. of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted in its entirety and replaced by the following Method of Sharing If all of the other insurance permits contribution by equal shares we will follow this method unless you are required by written contract to provide insurance that is primary and non contributory and the contract has been signed by you prior to any loss. Where required by such a written contract this insurance will be primary and non contributory only when and to the extent required by that written contract. However under the contributory 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. All other terms and conditions remain unchanged. Cnpyrigm 2010E GLE0095 0710 Page 1 of 1 | 2 |
IL 0017 1198 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be ef fective 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 rec ords as they relate to this policy at any time during the policy period and up to three years afterward. D. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time b. Give you reports on the conditions we find and c. Recommend changes. 2. We are not obligated to make any 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 warrant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recom mendations we may make relative to certifica tion under state or municipal statutes ordi nances or regulations of boilers pressure ves sels or elevators. E. Premiums The first Named Insured shown in the Declara tions 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 trans ferred to your legal representative but only while acting within the scope of duties as your legal rep resentative. Until your legal representative is ap pointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Copyright Insurance Services Office Inc. 1998 Page 1 of 1 a IL0017 1198 | 2 |
Named Insured Craneworks Inc. Policy Symbol Policy Number Policy Period Endorsement Number GLW G27097121 001 Issued By Name of Insurance Company 11082013 to 11082014 Effective Dale of Endorsement 11082013 lllinois Union Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE APPLICABLE TO INDEMNITY AND EXPENSE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Not Applicable Not Applicable Not Applicable Not Applicable Not Applicable 5000 Coverage Bodily Injury Liability OR Property Damage Liability OR Bodily Injury Liability andor Property Damage Liability Combined OR Personal and Advertising Injury Liability Not Applicable 5000 If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury property damage and personal and advertising injury however caused A. Our obligation under the Bodily Injury Liability in the Schedule above. Expenses include all costs and Property Damage Liability and under and expenses payable under the Supplementary Personal and Advertising Injury Liability Payments section of the Coverage Form. Coverages to pay damages on your behalf B. You may select a deductible amount on either applies only to the amount of damages and a per claim or a per occurrence basis. Your se expenses in excess of any deductible amounts lected deductible applies to the coverage option stated in the Schedule above as applicable to and to the basis of the deductible indicated by such coverages. the placement of the deductible amount in the Both damages and expenses shall contribute to Schedule above. The deductible amount stated the exhaustion of the deductible amounts stated in the Schedule above applies as follows MANAQ097 12 02 Page 1 of 2 in the Schedule above. Expenses include all costs and expenses payable under the Supplementary Payments section of the Coverage Form.. You may select a deductible amount on either a per claim or a per occurrence basis. Your se lected deductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above applies as follows Page 1 of 2 | 2 |
1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis that deductible applies as follows a. Under Bodily Injury Liability Coverage to all damages sustained by any one person because of bodily injury b. Under Property Damage Liability Coverage to all damages sustained by any one person because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages sustained by any one person because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence. If damages are claimed for care loss of ser vices or death resulting at any time from bodily injury a separate deductible amount will be applied to each person making a claim for such damages. With respect to property damage person includes an organization. d. Under Personal and Advertising Injury Lia bility to all damages sustained by any one person or organization because of personal and advertising injury as a result of any one offense. 2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a per occurrence basis that deductible amount applies as follows a. Under Bodily Injury Liability Coverage to all damages because of bodily injury b. Under Property Damage Liability Coverage to all damages because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence regard less of the number of persons or organizations who sustain damages because of that occurrence. d. Under Personal and Advertising Injury Li ability to all damages because of Personal and Advertising Injury as a result of any one offense regardless of the number of persons or organizations who sustain damage because of that offense. C. The terms of this insurance including those with respect to 1. Our right and duty to defend the insured against any suits seeking those damages and. Your duties in the event of an occurrence claim or suit apply irrespective of the application of the deductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. MANA0097 12 02 Page 2 of 2 | 2 |
SERVICE OF SUIT ENDORSEMENT Named Insured Endorsement Number Craneworks Inc. Policy Symbol Policy Number. Policy Period Effective Date of Endorsement GLW G27097121 001 11082013 to 11082014 11082013 Tssued By Name of Insurance Company lllinois Union Insurance Company Insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Information about service of suits upon the company is given below. Service of process of suits against the company may be made upon the following person or another person the company may designate Saverio Rocca Assistant General Counsel ACE Group of Insurance Companies 436 Walnut Street Philadelphia PA 19106 3703 The person named above is authorized and directed to accept service of process on the company s behalf in any action suit or proceeding instituted against the company. If the insured requests the company will give the insured a written promise that a general appearance will be entered on the company s behalf if a suit is brought. If the insured requests the company will submit to the jurisdiction of any court of competent jurisdiction. The company will accept the final decision of that court or any Appellate Court in the event of an appeal. However nothing in this endorsement constitutes a waiver of company s right to remove an action to a United States District Court or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state in the United States. The law of some jurisdictions of the United States of America requires that the Superintendent Commissioner or Director of Insurance or their successor in office be designated as the company s agent for service of process. In these jurisdictions the company designates the Director of Insurance as the company s true and lawful attorney upon whom service of process on the company s behalf may be made. The company also authorizes the Director of Insurance to mail process received on the company s behalf to the company person named above. If the insured is a resident of Canada the insured may also serve suit upon the company by serving the government official designated by the law of the insured s province. NOTHING HEREIN CONTAINED SHALL BE HELD TO VARY ALTER WAIVE OR EXTEND ANY OF THE TERMS CONDITIONS OR LIMITATIONS OF THE POLICY TO WHICH THIS ENDORSEMENT IS ATTACHED OTHER THAN AS ABOVE STATED. Authorized Representative SL34255 0911 | 2 |
TRADE OR ECONOMIC SANCTIONS ENDORSEMENT Named Insured Endorsement Number Craneworks Inc. Policy Symbol Policy Number Policy Period Effective Date of Endorsement GLW G27097121 001 11082013 to 11082014 11082013 Issued By Name of Insurance Company lllinois Union Insurance Company Insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance including but not limited to the payment of claims. All other terms and conditions of policy remain unchanged. Authorized Agent ALL21101 11 06 Ptd. In U.S.A. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21700108 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insur ance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insur ance 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 ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied 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 pursu ant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. CG 21700108 ISO Properties Inc. 2007 Page 1 of 1 o | 2 |
POLICY NUMBER G27097121 001 IL 09 8501 08 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE Terrorism Premium Certified Acts 4000 Forms andor Policys This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Additional information if any concerning the terrorism premium Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insur ance Act we are required to provide you with a no tice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses in sured 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. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a Program Year January 1 through December 31 the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a 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 established by the Secretary of the Treasury. dditional information if any concerning the terrorism premium ISO Properties Inc. 2007 Page 1 of 1 IL 09 850108 | 2 |
ACE Producer Compensation Practices Policies ACE believes that policyholders should have access to information about ACE s practices and policies related to the payment of compensation to brokers and independent agents. You can obtain that information by accessing our website athttpwww.aceproducercompensation.com or by calling the following toll free telephone number 1 866 512 2862. ALL20887 1006 Page 1 of 1 | 2 |
ace group Information and Complaints This information is being provided to you pursuant to the requirements of Title 28 Part 1 Chapter 1 Subchapter E. 1.601 of the Texas Administrative Code relating to our Toll Free information and complaint number. IMPORTANT NOTICE To obtain information or make a complaint You may call the Company s toll free telephone number for information or to make a complaint at 1800 352 4462 You may also write to the Company at ACE USA Customer Services PO Box 1000 Philadelphia PA 19106 3703 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at AVISO IMPORTANTE Para obtener informacion o para someter una queja Usted puede llamar al numero de telefono gratis de la Compania para informacion o para someter una queja al 1800 352 4462 Usted tambien puede escribir a la Compania ACE USA Customer Services PO Box 1000 Philadelphia PA 19106 3703 Puede communicarse con el Departmento de Seguros de Texas para obtener informacion acerca de companias coberturas derechos o quejas al 1800 252 3439 Puede escribir al Departamento de Seguros de Texas P.O. Box 149104 AUSTIN TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov DISPUTAS SOBRE PRIMAS O RECLAMOS Si tiene una disputa concerniente a su prima o un reclamo debe comunicarse con el agente o la compania primero. Si no se resuelve la disputa puede entonces communicarse con el departmento de Seguros en Texas UNA ESTE AVISO A SU POLIZA Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. 1800 252 3439 You may write the Texas Department of Insurance P. 0. Box 149104 AUSTIN TX 78714 9104 FAX 512 475 1771 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact your agent or the company first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. ALL4Y30e 0713 | 2 |
IL P 001 01 04 U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control OFAC administers and enforces sanctions policy based on Presiden tial declarations of national emergency. OFAC has identified and listed numerous Foreign agents Front organizations Terrorists Terrorist organizations and Narcotics traffickers as Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpwww.treas.gov ofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. IL P 001 01 04 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
POLICYHOLDER NOTICE TEXAS POLICYHOLDERS The Texas Department of Insurance requires that policies containing certain exclusionary endorsements be specifically pointed out to our policyholders. In compliance with this provision this notice is to advise you that one or more of the following exclusionary endorsements may be attached to your policy. These are not all of the exclusions contained in your policy and you are advised to read your policy and all attached endorsements carefully and discuss any questions with your agent or a company representative. ULX 0005 Lead Exclusion ULX 0006 Absolute Asbestos Exclusion LD15270 Silica Dust and Particulate Matter Exclusion X X XX E121 Silica Dust and Particulate Matter Exclusion LD15739 11 04 Page 1 of 1 | 2 |
Claims Directory Primary General Liability and Auto Claims or Loss Notices related to this policy should be reported to the following Claim Office Email and Fax Location ACE First Notices Email P.O. Box 5119 Westchester WSGCASCLAIMSACEGROUP.COM Scranton PA Claims 18505 0549 First Notices Fax 215.640.5041 or 1.877.746.4686 General Correspondence Fax 1 866 635 5688 H or 686 dence Fax 688 MA608255 g 0809 Page 1 of 1 | 2 |
Illinois Union Insurance Company 525 West Monroe Street Suite 400 Chicago IL 60661 NOTICE POLICY NO. G27097121 001 NAME OF INSURED Craneworks Inc. ADDRESS 7795 E. Little York Road Houston Texas 77016 We are pleased to enclose your policy for this account. Please be advised that by binding this risk with the above referenced Surplus Lines Insurance Company you agree that as the Surplus Lines Broker responsible for the placement of this insurance policy it is your obligation to comply with all States Surplus Lines Laws including completion of any declarations affidavits that must be filed as well as payment of any and all Surplus Lines taxes that must be remitted to the States. We will look to you for indemnification if controlling Surplus Lines Laws are violated by you as the Surplus Lines broker responsible for the placement. You further confirm that any applicable state requirement concerning a diligent search for coverage by admitted carriers has been fulfilled in accordance with state law. Thank you for this placement and your regulatory compliance. Date 11202013 WSG084 0511 Page 1 of 1 | 2 |
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