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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT NON CUMULATION OF EACH OCCURRENCE LIMIT OF LIABILITY and NON CUMULATION OF PERSONAL and ADVERTISING INJURY LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 5 of SECTION Ill LIMITS OF INSUR ANCE is amended to include the following Non cumulation of Each Occurrence Limit If one occurrence causes bodily injury andor prop erty damage during the policy period and during the policy period of one or more prior andor future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company the amount we will pay is limited. This policy s Each Occurrence Limit will be reduced by the amount of each payment made by us and any affiliated insurance company under the other policies because of such occur rence. 2. Paragraph 4 of SECTION Ili LIMITS OF INSUR ANCE is amended to include the following Non cumulation of Personal and Advertising Limit If personal injury andor advertising injury is sustained by any one person or organization dur ing the policy period and during the policy period of one or more prior andor future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company the amount we will pay is limited. This policy s Personal Injury and Advertis ing Injury Limit will be reduced by the amount of each payment made by us and any affiliated in surance company under the other policies be cause of such personal injury andor advertising injury. IO A o 9 5 Page 1 of 1 Copyright Travelers Indemnity Company 1997 CG D203 1297 001408 | 2 |
COMMERCIAL GENERAL LIABILITY GENERAL PURPOSE ENDORSEMENT POLICY NUMBER TC2U GLSA1009A614 TIL13 STATE APPLICABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART POLLUTION EXCLUSION ca ca cG ele CcG cG 18 21 89 59 49 74 11 11 11 11 1 1 03 03 03 03 03 03 APPLICABLE APPLICABLE APPLICABLE APPLICABLE APPLICABLE APPLICABLE IN IN IN IN IN IN THE THE THE THE THE ALL STATE OF VA ONLY. STATE OF TX ONLY. STATE OF SC ONLY. STATE OF OH ONLY. STATE OF NY ONLY. REMAINING STATES COVERED ON THIS POLICY. EMPLOYMENT RELATED PRACTICES EXCLUSION CG F2 66 11 03 APPLICABLE IN THE STATE OF WA ONLY. CG D2 88 11 03 APPLICABLE IN ALL REMAINING STATES COVERED ON THIS POLICY. CG T8 00 Page 1 | 2 |
COMMERCIAL GENERAL LIABILITY GENERAL PURPOSE ENDORSEMENT POLICY NUMBER TC2u GLSA1009A614 TIL13 COVERAGE B LIMITED PERSONAL INJURY LIAB ADVERTISING INJURY LIABILITY NOT INCLU COVERAGE B LIMITED PERSONAL INJURY LIABILITY ONLY ADVERTISING INJURY LIABILITY NOT INCLUDED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS A. Item 1. Coverage and Limits of Insurance of the Declarations Page is changed to replace COVERAGE B PERSONAL AND ADVERTISING INJURY with COVERAGE B PERSONAL INJURY. B. Paragraph o. Personal And Advertising Injury Part 2. Exclusions of SECTION I COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY is deleted and replaced by the following o. Personal Injury Bodily injury arising out of personal injury. COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY SECTION I COVERAGES is deleted in its entirety and replaced by the following 1. Insuring Agrement. a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal 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 injury to which this insurance does not apply. We may at our discretion investigate any occurrence or 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 III Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable Timit of insurance in the payment of judgments or settlements under Coverage 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.. This insurance applies to personal injury caused by an offense arising out of your business excluding advertising publishing broadcasting or telecasting done by or for you but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions. This insurance does not apply to a. Knowing Violation Of Rights Of Another O A O O CG T8 ot 001408 Page 1 | 2 |
COMMERCIAL GENERAL LIABILITY GENERAL PURPOSE ENDORSEMENT POLICY NUMBER TC2J GLSA1009A614 TIL13 COVERAGE B LIMITED PERSONAL INJURY LIABILITY ONLY ADVERTISING INJURY LIABILITY NOT INCLUDED Personal 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 injury. b. Material Published With Knowledge Of Falsity Personal injury arising out of oral or written publication of material if done by or at the direction of the insured with knowledge of its falsity. c. Material Published Prior To Policy Period Personal injury arising out of oral or written publication of material whose first publication took place before the beginning of the policy period. d. Criminal Acts Personal injury arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liability Personal 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. f. Electronic Chatrooms Or Bulletin Boards Personal injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. g. Unauthorized Use Of Another s Name Or Product Personal 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 activities that misiead another s potential customers. h. Pollution Personal injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. i. Pollution Related Any loss cost or expense arising out of any 1 Request demand or order that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or CG T8 01 Page 2 | 2 |
COMMERCIAL GENERAL LIABILITY GENERAL PURPOSE ENDORSEMENT POLICY NUMBER TC2J GLSA1009A614 TIL13 COVERAGE B LIMITED PERSONAL INJUURY LIAB ADVERTISING INJURY LIABILITY NOT INCLU COVERAGE B LIMITED PERSONAL INJURY LIABILITY ONLY ADVERTISING INJURY LIABILITY NOT INCLUDED 2 Claim or suit by or on behalf of a governmental authority 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. SECTION II WHO IS AN INSURED The introductory sentence of paragraph 2. a. 1 SECTION II WHO IS AN INSURED is deleted and replaced by the following 2. a. 1 Bodily injury or personal injury Section II Who Is An Insured paragraph 4. c. is deleted and replaced by the following 4. c. Coverage B does not apply to personal injury arising out of an offense committed before you acquired or formed the organization. SECTION III LIMITS OF INSURANCE paragraph 4. is deleted and replaced by the following 4 Subject to 2. above the Personal Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal injury sustained by any one person or organization. SECTION V DEFINITIONS ADVERTISEMENT The definition of Advertisement SECTION V DEFINITIONS is deleted in its entirety. COVERAGE TERRITORY The definition of Coverage Territory SECTION V DEFINITIONS is deleted in its entirety and replaced by the following 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 a. above or c. A1l 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 a. above or 0 0 0O CG T8 01 001410 Page 3 | 2 |
COMMERCIAL GENERAL LIABILITY GENERAL PURPOSE ENDORSEMENT POLICY NUMBER TC2U GLSA1009A614 TIL13 COVERAGE B LIMITED PERSONAL INJURY LIABILITY ONLY ADVERTISING INJURY LIABILITY NOT INCLUDED PERSONAL AND ADVERTISING INJURY The definition of Personal and advertising injury SECTION V DEFINITIONS is deleted in its entirety and replaced by the following definition of personal injury Personal injury means injury other than 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 by or on behalf of its owner landlord or lessor provided that the wrongful eviction wrongful entry or invasion of the right of private occupancy is performed by or on behalf of the owner landlord or lessor of that room dwelling or premises or d. Oral material that slanders a person or organization or disparages a person s or organization s goods products or services provided that claim is made or suit is brought by a person or organization that claims to have been slandered or whose goods products or services have allegedly been disparaged. SUIT The definition of Suit SECTION V DEFINITONS is deleted in its entirety and replaced by the following Suit means a civil proceeding in which damages because of bodily injury property damage or personal 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 b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. CG T8 o1 Page 4 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE PROPERTY DAMAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PROVISIONS The definition of property damage in SECTION V DEFINITIONS is deleted in its entirety and replaced by the following Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physi cally injured. All such loss of use shall be deemed to occur at the time of the occurence that caused it. Property damage does not include loss of or dam age to electronic media and records. As used in this definition electronic media and records means a. Electronic data processing recording or storage media such as films tapes discs drums or cells b. Data stored on such media or c. Programming records for electronic data process ing or electronically controlled equipment. property damage in SECTION V deleted in its entirety and replaced f a o maane A 00O 0 O v v Page 1 of 1 Copyright The Travelers indemnity Company 2003 CG D256 1103 001411 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily in jury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal injury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer orin any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CGD2881103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNSOLICITED COMMUNICATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY Unsolicited Communication Bodily injury or property damage arising out of any actual or alleged violation of any law that re stricts or prohibits the sending transmitting or dis tributing of unsolicited communication. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Unsolicited Communication Personal injury or advertising injury arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication. The following is added to the DEFINITIONS Sec tion Unsolicited communication means any commu nication in any form that the recipient of such communication did not specifically request to re ceive. y exclusion is added to Paragraph 2. of SECTION COVERAGES. A BODILY INJURY AND PROP GE LIABILITY Communication N 0 AR A CGD32610 11 01412 Page 1 of 1 2011 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS A. Exclusion g. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section I Coverages is deleted and replaced by the fol lowing g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or en trustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property dam age involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 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 con tract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage aris ing out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equip ment if it were not subject to a com pulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged or b The operation of any of the machin ery or equipment listed in Paragraph.2 or.3 of the definition of mo bile equipment.. SECTION V DEFINITIONS The definition of auto paragraph 2. is deleted and replaced by the following 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads in cluding any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged. However auto does not include mobile equipment. The definition of mobile equipment is deleted and replaced by the following 12. Mobile equipment means any of the follow ing types of land vehicles including any at tached machinery or equipment a. Bulidozers farm machinery forklifts and other vehicles designed for use principally off public roads CG D356 0105 Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved. Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY Vehicles maintained for use solely on or next to premises you own or rent Vehicles that travel on crawler treads Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders dig gers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers Vehicles not described in a. b.. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and genera tors including spraying welding building cleaning geophysical explo ration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However seif propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not con struction or resurfacing or c Street cleaning Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and Air compressors pumps and genera tors including spraying welding building cleaning geophysical expio ration lighting and well servicing equipment. However mobile equipment does not in clude any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged. Land vehicles subject to a compulsory or fi nangcial responsibility law or other motor vehi cle insurance law are considered autos. C. WHO IS AN INSURED Paragraph 3. of SECTION Il Who Is An Insured is deleted. 2 3 I il I MR v Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved. CG D3 56 01 05 Page 2 of 2 01212 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following replaces Paragraph 2 of Exclusion b. Contractual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Assumed by you in a contract or agreement that is an insured contract provided that the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an insured contract rea sonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of bodily injury or property dam age provided that a Liability to such party for or for the cost of that party s defense has also been as sumed by you in the same insured con tract and b Such attorney fees and litigation ex penses are for defense of that party 3. against a civil or alternative dispute reso lution proceeding in which damages to which this insurance applies are alleged. 2. The following replaces the beginning of Para graph 2. and Paragraphs 2.a. b. c. d. and e. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVERAGES 2. If we defend you against a suit and your in demnitee is also named as a party to the suit we will have the right and duty to de fend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which you have assumed the liability of the indemnitee in a contract or agreement that is an insured con tract b. This insurance applies to such liability as sumed by you c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by you in the same in sured contract d. The allegations in the suit and the in formation we know about the occur rence or offense are such that we de termine that no confiict exists between your interests and the interests of the in demnitee e. You and the indemnitee ask us to con duct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to defend you and the indemnitee and The following replaces the last sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B of SEC TION COVERAGES Our obligation to defend your indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments settlements or medical expenses or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. CG D4 2107 08 Page 1 of 1 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Violation Of Consumer Financial Protection Laws Bodily injury or property damage arising out of any actual or alleged violation of a consumer financial protection law or any other bodily in jury or property damage alleged in any claim or suit that also alleges any such violation. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY Violation Of Consumer Financial Protection Laws Personal injury or advertising injury arising out of any actual or alleged violation of a con sumer financial protection law or any other personal injury or advertising injury alleged in any claim or suit that also alleges any such violation The following is added to the DEFINITIONS Section Consumer financial identity information means any of the following information for a person that is used or collected for the purpose of serving as a factor in establishing such person s eligibil ity for personal credit insurance or employment or for the purpose of conducting a business transaction a. Part or all of the account number the expi ration date or the balance of any credit debit bank or other financial account. b. Information bearing on a person s credit worthiness credit standing or credit capac ity. c. Social security number. d. Drivers license number. e. Birth date. Consumer financial protection law means a. The Fair Credit Reporting Act FCRA and any of its amendments including the Fair and Accurate Credit Transactions Act FACTA b. California s Song Beverly Credit Card Act and any of its amendments or c. Any other law or regulation that restricts or prohibits the collection dissemination transmission distribution or use of con sumer financial identity information. Page 1 of 1 CGD6181011 001414 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
POLICY NUMBER TC2J GLSA1009A614 TIL13 POLICY NUMBER TC2J GLSA1009A614 TIL13 COMMERCIAL GENERAL LIABILITY ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF LIQUOR LIABILITY EXCLUSION EXCEPTION FOR SCHEDULED ACTIVITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Activityies A11 Activities which do not generate revenue to any insureds. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. Exclusion c. of COVERAGE A Section is replaced 1 Manufacture sell or distribute alcoholic by the following beverages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Is for the purpose of financial gain or livelihood or 3 Serve or furnish alcoholic beverages without a charge if a license Is required for such c. 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.. activity. 3 Any statute ordinance or regulation relating However this exclusion does not apply to bodily to the sale git distribution or use of injury or property damage arising out of the alcoholic beverages. selling serving or furnishing of alcoholic beverages This exclusion applies only if you at the specific activityies described above. 1 Manufacture sell or distribute alcoholic beverages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Is for the purpose of financial gain or livelihood or 3 Serve or furnish alcoholic beverages without a charge if a license Is required for such activity. However this exclusion does not apply to bodily injury or property damage arising out of the selling serving or furnishing of alcoholic beverages at the specific activityies described above. Copyright Insurance Services Office Inc. 1988 Page 1 of 1 CG 21510989 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DISCRIMINATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY is amended by ad ding the following additional exclusion This Insurance does not apply to Bodily injury resulting from or as a consequence of discrimination whether intentional or uninten tional based upon a person s sex sexual prefer ence marital status race creed religion na tional origin age physical capabilities character istics or condition or mental capabilities or con dition. 2. COVE ING It the fol This i Persc quenc uninte prefer nation teristic condit 2. COVERAGE B PERSONAL AND ADVERTIS ING INJURY LIABILITY is amended by adding the following additional exclusion This insurance does not apply to Personal injury resulting from or as a conse quence of discrimination whether intentional or unintentional based upon a person s sex sexual preference marital status race creed religion national origin age physical capabilities charac teristics or condition or mental capabilities or condition. 0 A0 Copyright The Travelers Indemnity Company 1999 Page 1 of 1 CG D1420199 001415 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT POLLUTION EXCLUSION INCLUDING LIMITED COVERAGE FOR POLLUTION COSTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building ii Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion 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 dam age arising out of heat smoke or fumes from a hostile fire b At or from any premises site or loca tion which is or was at any time used by or for any insured or others for the handling storage disposal process ing or treatment of waste c Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for any insured or any person or or ganization for whom you may be le gally responsible At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pol lutants or e If any such discharge dispersal seepage migration release or escape of pollutants at or from any prem ises site or location commences in whole or in part before the policy pe riod. All discharges dispersals seep ages migrations releases or escapes of pollutants at or from any prem ises site or location shall be deemed to commence at the time of the initial discharge release or escape. How ever subparagraph e does not apply to bodily injury or property damage included within the Products Completed Operations Hazard. Subparagraphs a b and c do not apply to bodily injury or property dam age if 1 the discharge release or escape of pollutants is at or from any premises site or location other than at or from an underground storage tank which is owned or occupied or managed by CGD1741103 Copyright The Travelers Indemnity Company 2003 Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY or rented or loaned to you during the policy period and 2 the discharge release or escape of poliutants commences abruptly dur ing the policy period and ends within a period of 7 consecutive days after the initial discharge release or escape and the discharge release or escape of pollutants becomes known to the in sured and reported in writing to us within thirty 30 days from its abrupt commencement and the bodily injury or property dam age arises only out of the discharge release or escape of poliutants de scribed in 1 2 and 3 above. 2 This insurance also does not apply to Pollution costs. Il. COVERAGE D. LIMITED COVERAGE FOR POLLUTION COSTS 1. Insuring Agreement 4 a. We will pay those sums that the insured becomes legally obligated to pay as lim ited covered pollution costs to which this insurance applies. We will have the right and duty to defend any suit seeking limited covered pollution costs. We may at our discretion investigate any occur rence and settle any claim or suit that may result. But 1 The amount we will pay for limited covered pollution costs shall be in cluded within and not in addition to the Each Occurrence Limit because of all bodily injury and property dam age arising out of any one occur rence. The total amount we will pay for limited covered pollution costs shall be included within and not in addition to the limits set forth in LIMIT OF INSURANCE Section Hil para graphs 2. and 3. whichever is appli cable 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 under Cov erages A or B medical expenses un der Coverage C or limited covered pollution costs under Coverage D. 2 Page 2 of 3 Copyright The Travelers Indemnity Company 2003 No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A B and D. b. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered pollution costs also causes bodily injury or property damage to which Coverage A ap plies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. b. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. c. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. lil. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered pollution costs means any cost or expense arising out of a. Any request demand or order that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants or CGD1741103 Includes copyrighted material of Insurance Services Office Inc. with its permission. cota18 No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A B and D. b. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered pollution costs also causes bodily injury or property damage to which Coverage A ap plies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. b. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. c. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. lil. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered pollution costs means any cost or expense arising out of a. Any request demand or order that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants or TNy 10 A O 000 OO v | 2 |
COMMERCIAL GENERAL LIABILITY b. Any claim or suit by or on behalf of a gov ernmental authority demanding that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants. Limited covered pollution costs shall not include i. Punitive or exemplary damages or statutory or administrative fines or penalties or ii. Salaries or benefits paid to your employees or iii. Any cost or expense arising out of any re quest demand or order that the insured test for monitor cleanup remove contain treat detoxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by or rented or loaned to you or iv. Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for monitor cleanup remove contain treat de toxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by rented or loaned to you. Pollution costs means any cost or expense arising out of a. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor cleanup remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pol lutants or b. Any claim or suit by or on behalf of a gov ernmental authority because of testing for monitoring cleaning up removing contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of pollutants. Underground storage tank means any one or combination of tanks including pipes connected thereto the volume of which including the vol ume of underground pipes connected thereto is 10 or more beneath the ground surface or oth erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. CGD1741103 Copyright The Travelers indemnity Company 2003 Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION WAR This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion i. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to War Bodily injury or property damage aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force in cluding action in hindering or de fending against an actual or expected attack by any government sovereign or other authority using military per sonnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these regardless of any other cause or event that contributes concurrently or in any se quence to the injury or damage. 3 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to War Personal injury or advertising injury aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force includ ing action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by gov ernmental authority in hindering or de fending against any of these regardless of any other cause or event that contributes concurrently or in any sequence to the injury. 1 A 0 Ol CG D2420102 001417 Copyright The Travelers Indemnity Company 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT POLLUTION EXCLUSION INCLUDING LIMITED COVERAGE FOR POLLUTION COSTS VIRGINIA This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section I Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of poliutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building ii Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion 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 dam age arising out of heat smoke or fumes from a hostile fire b At or from any premises site or loca tion which is or was at any time used c d e by or for any insured or others for the handling storage disposal process ing or treatment of waste Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for any insured or any person or organization for whom you may be legally responsible At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pollutants or If any such discharge dispersal seepage migration release or es cape of pollutants at or from any premises site or location commences in whole or in part before the policy period. All discharges dispersals seepages migrations releases or escapes of pollutants at or from any premises site or location shall be deemed to commence at the time of the initial discharge release or es cape. However subparagraph e does not apply to bodily injury or property damage included within the Products Completed Operations Hazard. Subparagraphs a b and c do not apply to bodily injury or property dam age if. 1 the discharge release or escape of pollutants is at or from any prem ises site or location other than at or CGF1181103 Copyright The Travelers Indemnity Company 2003 Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY from an underground storage tank which is owned or occupied or man aged by or rented or loaned to you during the policy period and the discharge release or escape of poliutants commences abruptly dur ing the policy period and ends within a period of 7 consecutive days after the initial discharge release or es cape and 3 the discharge release or escape of poliutants becomes known to the insured within thirty 30 days from its abrupt commencement and is re ported in writing to us as soon as practicable and 4 the bodily injury or property dam age arises only out of the discharge release or escape of pollutants de scribed in 1 2 and 3 above. 2 This insurance also does not apply to Pollution costs. ll. COVERAGE D. LIMITED COVERAGE FOR POLLUTION COSTS The following Coverage D is added to Section Coverages 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as lim ited covered poliution costs to which this insurance applies. We will have the right and duty to defend any suit seeking limited covered poliution costs. We may at our discretion investigate any occur rence and settle any claim or suit that may result. But 1 The amount we will pay for limited covered pollution costs shall be in cluded within and not in addition to the Each Occurrence Limit because of all bodily injury and property damage arising out of any one oc currence. The total amount we will pay for limited covered pollution costs shall be included within and not in addition to the limits set forth in LIMIT OF INSURANCE Section Iil paragraphs 2. and 3. whichever e is applicable and 2 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 Cov erages A or B medical expenses un der Coverage C or limited covered pollution costs under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A BandD. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered poliution costs also causes bodily injury or prop erty damage to which Coverage A applies. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. SUPPLEMENTARY PAYMENTS COVER AGES A AND B Section Coverages is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. Page 2 of 3 Copyright The Travelers Indemnity Company 2003 CGF1181103 Includes copyrighted material of Insurance Services Office Inc. with its permission. coiata | 2 |
COMMERCIAL GENERAL LIABILITY monitor cleanup remove contain treat de toxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by rented or loaned to you. Pollution costs means any cost or expense arising out of a. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor cleanup remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pol lutants or b. Any claim or suit by or on behalf of a gov emmental authority because of testing for monitoring cleaning up removing contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of pollutants Underground storage tank means any one or combination of tanks including pipes connected thereto the volume of which including the vol ume of underground pipes connected thereto is 10 or more beneath the ground surface or oth erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. Ill. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered poltution costs means any cost or expense arising out of Any request demand or order that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants or Any claim or suit by or on behalf of a gov emmental authority demanding that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants. Limited covered pollution costs shall not include Punitive or exemplary damages or statutory or administrative fines or penalties or Salaries or benefits paid to your employees or Any cost or expense arising out of any re quest demand or order that the insured test for monitor cleanup remove contain treat detoxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by or rented or loaned 1o you or iv. Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for CGF1181103 Copyright The Travelers Indemnity Company 2003 Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES DEFINITION OF POLLUTANTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART PROVISIONS The definition of poliutants in the DEFINITIONS Section of this Coverage Part or in any endorsement to this Coverage Part is replaced by the following Pollutants means any solid liquid gaseous or ther mal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Pol lutants includes a. Petroleum or petroleum derivatives gasoline fu els lubricants and their respective additives and individual chemical components including ben zene and toluene b. Chlorinated and halogenated solvents including tetrachloroethylene PCE or PERC trichloro ethylene TCE trichloroethane TCA and vinyl chloride and their degradation products c. Coal tar manufactured gas plant MGP byprod ucts and polynuclear aromatic hydrocarbons PAHSs phenols and polychlorinated biphenyls PCBs and d. Organic and inorganic pesticides and inorganic contaminants including arsenic barium beryl lium lead cadmium chromium and mercury. This definition of pollutants applies regardless of whether 1. The irritant or contaminant or the particular form type or source of the irritant or contaminant in volved in the claim or suit is specifically identi fied or described in this definition such as waste from manufacturing operations 2. The irritant or contaminant has or had any func tion in any of the insured s business operations premises sites or locations such as i PERC for a dry cleaning business or i TCE or any of the other items included as examples of pollutants in b. above for de greasing operations 3. The imitant or contaminant represents a major source of potential liability for the insured such as gasoline or any of the other items included as examples of pollutants in a. above for a gaso line station or 4. The insured expects or considers the irritant or contaminant to be a pollutant. Waste includes materials to be recycled recondi tioned or reclaimed. f poliutants in the DEFINITIONS overage Part or in any endorsement Part is replaced by the following ns any solid liquid gaseous or ther ontaminant including smoke vapor Is alkalis chemicals and waste. Pol r petroleum derivatives gasoline fu ts and their respective additives and 1emical components including ben uene and halogenated solvents including hylene PCE or PERC trichloro CE trichloroethane TCA and vinyl their degradation products inufactured gas plant MGP byprod bolynuclear aromatic hydrocarbons nols and polychlorinated biphenyls CGF1190908 corate 2008 The Travelers Companies inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT POLLUTION EXCLUSION INCLUDING LIMITED COVERAGE FOR POLLUTION COSTS OHIO This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building i Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or oca tion 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 dam age arising out of heat smoke or fumes from a hostile fire b At or from any premises site or loca tion which is or was at any time used c d e by or for any insured or others for the handling storage disposal process ing or treatment of waste Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for any insured or any person or organization for whom you may be legally responsible At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pollutants or If any such discharge dispersal seepage migration release or es cape of pollutants at or from any premises site or location commences in whole or in part before the policy period. All discharges dispersals seepages migrations releases or escapes of pollutants at or from any premises site or location shall be deemed to commence at the time of the initial discharge release or es cape. However subparagraph e does not apply to bodily injury or property damage included within the Products Completed Operations Hazard. Subparagraphs a b and c do not apply to bodily injury or property dam age if the discharge release or escape of poliutants is at or from any prem ises site or location other than at or CGF1591103 Copyright The Travelers Indemnity Company 2003 Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
ages A or B medical expenses un r Coverage C or limited covered lution costs under Coverage D. ler obligation or liability to pay sums form acts or services is covered explicitly provided for under SUP ENTARY PAYMENTS COVER A BandD. isurance applies to limited covered on costs only if e limited covered pollution costs sult from an occurrence that takes ace in the coverage territory and le same occurrence which results limited covered pollution costs 50 causes bodily injury or prop ty damage to which Coverage A plies. 3 ance does not apply to d covered pollution costs incurred person or organization other than imed Insured shown in the Declara d covered pollution costs which sured is obligated to pay by reason assumption of liability in a contract reement. This exclusion does not to liability that the insured would to pay limited covered pollution in the absence of the contract or nent. d covered pollution costs if the injury or property damage aris it of the actual alleaed or threat COMMERCIAL GENERAL LIABILITY from an underground storage tank which is owned or occupied or man aged by or rented or loaned to you during the policy period and the discharge release or escape of pollutants commences abruptly dur ing the policy period and ends within a period of 7 consecutive days after the initial discharge release or es cape and the discharge release or escape of pollutants becomes known to the insured within thirty 30 days from its abrupt commencement and is re ported in writing to us as soon as practicable and 2 4 the bodily injury or property dam age arises only out of the discharge release or escape of pollutants de scribed in 1 2 and 3 above. 2 This insurance also does not apply to Pollution costs. Il. COVERAGE D. LIMITED COVERAGE FOR POLLUTION COSTS 1. Insuring Agreement Page 2 of 3 We will pay those sums that the insured becomes legally obligated to pay as lim ited covered pollution costs to which this insurance applies. We will have the right and duty to defend any suit seeking limited covered pollution costs. We may at our discretion investigate any occur rence and settle any claim or suit that may result. But 1 The amount we will pay for limited covered pollution costs shall be in cluded within and not in addition to the Each Occurrence Limit because of all bodily injury and property damage arising out of any one oc currence. The total amount we will pay for limited covered pollution costs shall be included within and not in addition to the limits set forth in LIMIT OF INSURANCE Section paragraphs 2. and 3. whichever is applicable 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 under Cov 2 erages A or B medical expenses un der Coverage C or limited covered pollution costs under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A B and D. b. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered pollution costs also causes bodily injury or prop erty damage to which Coverage A applies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. b. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. c. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of poliutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. ll. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered pollution costs means any cost or expense arising out of a. Any request demand or order that the in sured test for monitor cleanup remove con Copyright The Travelers Indemnity Company 2003 CG F1591103 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY tain treat detoxify or neutralize or assess the effects of pollutants or Any claim or suit by or on behalf of a gov ernmental authority demanding that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants. Limited covered pollution costs shall not include Punitive or exemplary damages or statutory or administrative fines or penalties or Salaries or benefits paid to your employees or Any cost or expense arising out of any re quest demand or order that the insured test for monitor cleanup remove contain treat detoxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by or rented or loaned to you or. Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for monitor cleanup remove contain treat de toxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by rented or loaned to you. Poliution costs means any cost or expense arising out of a. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor cleanup remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pol lutants or b. Any claim or suit by or on behalf of a gov ernmental authority because of testing for monitoring cleaning up removing contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of pollutants. Underground storage tank means any one or combination of tanks including pipes connected thereto the volume of which including the vol ume of underground pipes connected thereto is 10 or more beneath the ground surface or oth erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. CGF1591103 Copyright The Travelers Indemnity Company 2003 Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION AIRCRAFT PRODUCTS AND GROUNDING This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of either SECTION COVER AGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY or SECTION COVERAGES PRODUCTS COMPLETED OPERATIONS BODILY INJURY AND PROP ERTY DAMAGE LIABILITY whichever section is included in the Coverage Part Aircraft Products And Grounding Bodily injury or property damage included within the products completed operations haz ard and arising out of any aircraft product or the grounding of any aircraft. The following is added to the DEFINITIONS Sec tion Aircraft product means a. Aircraft including missile or spacecraft and any ground support or control equipment used with any aircraft missile or spacecraft b. Any of your products manufactured for used in connection with or incorporated into aircraft aircraft parts aircraft equipment or aircraft accessories including ground han dling tools and equipment c. Any of your products used for the purpose of guidance navigation or direction of aircraft whether an aircraft is in flight or on the ground or d. Training aids navigation charts navigation aids manuals blueprints engineering or other data or advice services and labor relat ing to such aircraft or products. Grounding means the withdrawal of one or more aircraft from flight operations or the imposition of speed passenger or load restrictions on such air craft by reason of the actual alleged or sus pected existence of any defect fault or condition in such aircraft or any part thereof a. Sold handled or distributed by the insured or b. Manufactured assembled or processed by any other person or organization 1 According to specifications plans sug gestions orders or drawings of the in sured or 2 With tools machinery or other equipment furnished to such persons or organiza tions by the insured whether such aircraft so withdrawn or restricted are owned or operated by the same or different persons or organizations. Page 1 of 1 CGT3230811 o014zt 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY This insurance does not apply to bodily injury a. Any supervision instructions recommendati property damage personal injury or advertising warnings or advice given or which should t injury arising out of the actual or alleged presence been given in connection with the above and or actual alleged or threatened dispersal of asbes b. Any obligation to share damages with or re tos asbestos fibers or products containing asbestos provided that the injury or damage Is caused or con tributed to by the hazardous properties of asbestos. This includes someone else who must pay damages bece of such injury or damage. Any supervision instructions recommendations warnings or advice given or which should have been given in connection with the above and Any obligation to share damages with or repay someone else who must pay damages because of such injury or damage. Copyright The Travelers Indemnity Company. CG T4 78 02 90 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES COMMERCIAL GENERAL LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraph 1.a. of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 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 insur ance applies. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are groundless false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insur ance does not apply. We may at our dis cretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Cov erages 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 Sup plementary Payments Coverages A and B. B. Paragraph 1.a. of Section Coverage B Per sonal And Advertising Injury Liability is re placed by the following 1. CGF26308 11 Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal injury or advertising injury to which this insur ance applies. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are groundless false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for personal in jury or 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 Hl 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 Cov erages A and 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 Sup plementary Payments Coverages A and B. C. The following is added as Paragraph e. to the Duties In The Event Of Occurrence Offense Claim Or Suit Condition Paragraph 2. of Sec tion IV Commercial General Liability Condi tions e. Notice given by or on behalf of the in sured or written notice by or on behalf of the injured person or any other claimant to any agent of ours in New York State with particulars sufficient to identify the insured shall be considered to be notice to us. D. Paragraph 3. of Section IV Commercial Gen eral Liability Conditions is replaced by the follow ing 2011 The Travelers Indemnity Company. All rights reserved Page 1 of 2 includes the copyrighted material of Insurance Services Office inc. with its permission. Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY 3. Legal Action Against Us a. Except as provided in Paragraph b. no person or organization has a right under this Coverage Part 1 To join us as a party or otherwise bring us into a suit asking for dam ages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured 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 applica ble limit of insurance. An agreed settle ment means a settlement and release of liability signed by us the insured and the claimant s legal representative. b. With respect to bodily injury personal injury and advertising injury claims if we deny coverage or do not admit liability because an insured or the injured person someone acting for the injured person or other claimant fails to give us written no tice as soon as practicable then the in jured person someone acting for the in jured person or other claimant may bring E. an action against us provided the sole question is whether the denial of cover age or nonadmission of liability is based on the failure to provide timely notice. However the injured person someone acting for the injured person or other claimant may not bring an action if within 60 days after we deny coverage or do not admit fiability we or an insured 1 Brings an action to declare the rights of the parties under the policy and 2 Names the injured person someone acting for the injured person or other claimant as a party to the action. The following provision is added and supersedes any provision to the contrary Failure to give notice to us as required under this Coverage Part shall not invalidate any claim made by the insured injured person or any other claimant uniess the failure to provide such timely notice has prejudiced us. However no claim made by the insured injured person or any other claimant will be invalidated if it shall be shown not to have been reasonably possible to give such timely notice and that notice was given as soon as was reasonably possible thereafter. The d tion of loading or unioading in the Definitions Section does not apply. Page 2 of 2 CGF2630811 2011 The Travelers Indemnity Company. Al rights reserved Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WASHINGTON CHANGES EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Coverage A Bodily Injury And Property Damage Liability Section Cover ages This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily in jury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. However Paragraphs 1a and b of this exclu sion do not apply if such bodily injury is sus tained by any employee of the insured whose employment is subject to the Industrial Insurance Act of Washington Washington Revised Code Title 51. B. The following exclusion is added to Paragraph 2. Exclusions of Coverage B Personal And Ad vertising Injury Liability Section Cover ages This insurance does not apply to Personal injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion dt motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal injury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. However Paragraphs 1a and b of this exclu sion do not apply if such personal injury is sus tained by any employee of the insured whose employment is subject to the Industrial Insurance Act of Washington Washington Revised Code Title 51. I A0 O A v CGF266 1103 Copyright The Travelers indemnity Company 2003 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. 001423 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES DEFINITION OF POLLUTANTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The definition of pollutants in the DEFINITIONS Section of this Coverage Part or in any endorsement to this Coverage Part is replaced by the following Pollutants means any solid liquid gaseous or ther mal imitant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Pol lutants includes a. Petroleum or petroleum derivatives gasoline fu els lubricants and their respective additives and individual chemical components including ben zene and toluene b. Chlorinated and halogenated solvents including tetrachloroethylene PCE or PERC trichloro ethylene TCE trichloroethane TCA and vinyl chloride and their degradation products c. Coal tar manufactured gas plant MGP byprod ucts and polynuclear aromatic hydrocarbons PAHs phenols and polychlorinated biphenyls PCBs and d. Organic and inorganic pesticides and inorganic contaminants including arsenic barium beryl lium lead cadmium chromium and mercury. This definition of pollutants applies regardless of whether 1. The irritant or contaminant or the particular form type or source of the irritant or contaminant in volved in the claim or suit is specifically identi fied or described in this definition such as waste from manufacturing operations The iritant or contaminant has or had any func tion in any of the insured s business operations premises sites or locations such as i PERC for a dry cleaning business or ii TCE or any of the other items included as examples of poliutants in b. above for de greasing operations The imitant or contaminant represents a major source of potential liability for the insured such as gasoline or any of the other items included as examples of pollutants in a. above for a gaso line station or The insured expects or considers the irritant or contaminant to be a pollutant. Waste includes materials to be recycled recondi tioned or reclaimed. f pollutants in the DEFINITIONS overage Part or in any endorsement Part is replaced by the following ns any solid liquid gaseous or ther ontaminant including smoke vapor is alkalis chemicals and waste. Pol r petroleum derivatives gasoline fu s and their respective additives and remical components including ben uene and halogenated solvents including hylene PCE or PERC trichloro E trichloroethane TCA and vinyl their degradation products inufactured gas plant MGP byprod olynuclear aromatic hydrocarbons nols and polychlorinated biphenyls whett 1. T b Vi i fr 2. T i p i i 3. CG F4 27 09 08 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. Page 1 0of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. With regard to liability for Bodily Injury Property insured to give notice of occurrence claim or Damage and Personal And Advertising Injury suit or forward demands notices summonses unless we are prejudiced by the insured s or your or legal papers in connection with a claim or suit failure to comply with the requirement no provi will bar coverage under this Coverage Part sion of this Coverage Part requiring you or any l 4 v A O O AR v CG 0103 06 06 oo1424 ISO Properties Inc. 2005 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PUERTO RICO CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Wherever this Coverage Part requires any person to send any written material to us such material may be sent directly to us or through any one of our authorized representatives.. The failure to give us prompt written notice of any occurrence offense claim or suit or to send us copies of any demand notice summons or other legal papers received will not invalidate any claim made by the insured or free us from any responsibility in any suit if it can be shown not to have been reasonably possible to give the notice or forward the documents immediately and that notice was given or the documents were sent as soon as reasonably possible.. Paragraph 3. LEGAL ACTION AGAINST US Section IV Commercial General Liability Condi tions applicable to any coverage afforded with respect to occurrences or offenses in Puerto Rico is replaced by the following No person or organization can sue us until the insured has fully complied with all of the terms of this Coverage Part.. The CANCELLATION Common Policy Condition is replaced by the following CANCELLATION 1. The first Named Insured shown in the Decla rations may cancel this Coverage Part by mailing to us advance written notice of can cellation. 2. We may cancel this Coverage Part by mail ing to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of can cellation if we cancel for nonpayment of premium or b. 30 days before the effective date of can cellation if we cancel for any other reason. 3. We will mall our notice to the last address the first Named Insured has informed us of in writing or otherwise to the address shown in this Coverage Part. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Coverage Part 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. Any refund will be made within 15 days of a re quest by the first Named Insured for a refund otherwise any refund will be made within 90 days of the effective date of cancel lation. The cancellation will be effective even if we have not made or offered a refund. 6. Proof of mailing will be sufficient proof of notice. Copyright Insurance Services Office Inc. 1992 CG 01071093 Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CONTRACTUAL LIABILITY EXCLUSION AND SUPPLEMENTARY PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2.b. of Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to 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 agree ment or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property dam age occurs subsequent to the execu tion of the contract or agreement. B. Section Supplementary Payments Cover ages A And B is replaced by the following 1. We will pay with respect to any claim we in vestigate or settle or any suit against an in sured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law viola tions arising out of the use of any vehicle to which the Bodily Injury Liability Cover age applies. We do not have to furnish these bonds. c. The cost of bonds to release attach ments 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. All costs taxed against the insured in the suit. Prejudgment interest awarded against the insured on that part of the judgment we pay. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid of fered to pay or deposited in court the part of the judgment that is within the applica ble 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 in demnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has as sumed the liability of the indemnitee in a contract or agreement that is an insured contract This insurance applies to such liability as sumed 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 in formation we know about the occur rence are such that no conflict appears CG 012207 98 co1425 Copyright Insurance Services Office Inc. 1997 Page 10of 2 | 2 |
COMMERCIAL GENERAL LIABILITY to exist between the interests of the in sured and the interests of the indemnitee The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and The indemnitee 1 Agrees in writing to a Cooperate with us in the investi gation settlement or defense of the suit b Immediately send us copies of any demands notices sum monses or legal papers received in connection with the suit c Notify any other insurer whose coverage is available to the in demnitee and Cooperate with us with respect to coordinating other applicable in surance available to the indem nitee and 2 Provides us with written authorization to a Obtain records and other infor mation related to the suit and b Conduct and control the defense of the indemnitee in such suit So long as the above conditions are met at torneys fees incurred by us in the defense of that indemnitee necessary litigation ex penses incurred by us and necessary litiga tion expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Our obligation to defend an insured s indem nitee and to pay for attorneys fees and nec essary litigation expenses as Supplementary. Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments or settlements or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. Page 2 of 2 Copyright Insurance Services Office Inc. 1997 CG 01220798 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph f.1ai under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the foliow ing i Bodily injury or property damage 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 equip ment that is used to heat water for personal use by the building s occu pants or their guests. 0000 O 00 CG 01 79 07 10 001426 Insurance Services Office Inc. 2010 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY POLICY NUMBER TC2J GLSA1009A614 TIL13 ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WASHINGTON CHANGES AMENDMENT OF LIQUOR LIABILITY EXCLUSION EXCEPTION FOR SCHEDULED ACTIVITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description Of Activityies A1l Activities which do not generate revenue to any insureds. information required to complete this Schedule if not shown above will be shown in the Declarations. Exclusion. of Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Dam age Liability is replaced by the following c. 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 relat ing to the sale gift distribution or use of alcoholic beverages. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic beverages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Requires a banquet permit as re quired by Washington law c Is for the purpose of financial gain or livelihood or 3 Serve or furnish alcoholic beverages without a charge if a A license is required for such activity or b A banquet pemnit is required by Washington law for such activity. However this exclusion does not apply to bodily injury or property damage arising out of the selling serving or furnishing of al coholic beverages at the specific activityies described above. CG 26 02 07 09 Insurance Services Office Inc. 2009 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The Examination Of Your Books And Records Common Policy Condition is replaced by the fol lowing We may examine and audit your books and re cords as they relate to this policy at any time dur ing the policy period and up to one year after ward. B. Paragraph 1. Bankruptcy under Section IV Commercial General Liability Conditions is re placed by the following 1. Bankruptcy Bankruptey insolvency or dissolution of the insured or of the insured s estate will not re lieve us of our obligation under this Coverage Part and in case an execution against the in sured on a final judgment is returned unsatis fied then such judgment creditor shall have a right of action on this Coverage Part against the company to the same extent that the in sured would have had the insured paid the final judgment. C. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us Condition under Section IV Commercial Gen eral Liability Conditions Our rights do not apply against any person or or ganization insured under this or any other Cov erage Part we issue with respect to the same occurrence. 008 90 0 A OO OO v CG 26 05 0207 001427 ISO Properties Inc. 2006 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES LOSS INFORMATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OCCURRENCE VERSION The following Condition is added to COMMERCIAL gate Limit and Products Completed Opera GENERAL LIABILITY CONDITIONS Section IV 10. Your Right to Loss Information We will provide the first Named Insured shown in the Declarations the following loss information relating to this and any preceding general liability Coverage Part we have issued to you during the previous three years a. A list or other record of each occurrence of which we were notified in accordance with paragraph 2.a. of the Duties in the Event of Occurrence Offense Claim or Suit Condition in this Section. We will include a brief description of the occurrence and informa tion on whether any claim arising out of the occurrence is open or closed. b. A summary by policy year of payments made and amounts reserved stated sep arately under any applicable General Aggre tions Aggregate Limit. Amounts reserved are based on our judgment. They are subject to change and should not be regarded as ultimate settlement values. You must not disclose this information to any claimant or any claimant s representative without our consent. We will provide this information only if we receive a written request from the first Named Insured during the policy period. We will provide this in formation within 45 days of receipt of the re quest. We compile claim and occurrence information for our own business purposes and exercise reasonable care in doing so. In providing this information to the first Named Insured we make no representations or warranties to insureds in surers or others to whom this information Is fur nished by or on behalf of any insured. Copyright Insurance Services Office Inc. 1992 Page 1 of 1 CG 26201093 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following Condition is added to COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV Transfer of Duties When a Limit of Insurance is Used Up. a. If we conclude that based on occurrences of fenses claims or suits which have been reported to us and to which this insurance may apply the 1 General Aggregate Limit other than the Products Completed Operations Aggregate Limit 2 Products Completed Operations Aggregate Limit 3 Personal and Advertising Injury Limit 4 Each Occurrence Limit or 5 Fire Damage Limit is likely to be used up in the payment of judg ments or settlements we will notify the first Named Insured in writing to that effect. b. When a limit of insurance described in para graph a. above has actually been used up in the payment of judgments or settiements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking damages subject to that limit has also ended. 2 We will initiate and cooperate in the transfer of control to any appropriate insured of all claims and suits seeking damages which are subject to that limit and which are reported to us before that limit Is used up. That insured must cooperate in the transfer of control of said claims and suits. We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. We will take no action whatsoever with respect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is reported to us after that limit of insurance has been used up. 3 The first Named Insured and any other in sured Involved In a suit seeking damages subject to that limit must arrange for the defense of such suit within such time period as agreed to between the appropriate in sured and us. Absent any such agreement arrangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for expenses we incur in taking those steps we deem appropriate in accordance with paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with paragraph a. above or 2 The date on which we sent notice in accord ance with paragraph b.1 above if we did not send notice in accordance with para graph a. above.. The exhaustion of any limit of insurance by the payments of judgments or settiements and the resulting end of our duty to defend will not be affected by our failure to comply with any of the provisions of this Condition. CG 26211091 o0t428 Copyright Insurance Services Office Inc. 1991 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MARYLAND CHANGES PREMIUM AUDIT CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY Paragraph 5.b. of Section IV Conditions is re send notice fo tl placed by the following due date for au 5. Premium Audit ums is 30 days f sum of the adval b. Premium shown in this Coverage Part as ad for the policy vance premium is a deposit premium only. At earned premium the close of each audit period we will com the first Named pute the eamed premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premi ums is 30 days from the date of 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. CG 26 73 06 02 ISO Properties Inc. 2001 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES DUTIES CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE CG 04 35 LIMITED PRODUCT WITHDRAWAL EXPENSE ENDORSEMENT CG 04 36 LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PERSONAL INJURY LIABILITY ENDORSEMENT CG 28 05 POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following is added to the Duties Condition The requirement to notify us can be satisfied by notifying our agent. Notice can be by any means of communica tion. L. A0 0 A CG 26811204 001428 ISO Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELAWARE CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART A. Paragraph b. of the Cancellation Condition is replaced by the following b. We may cancel this policy by mailing or delivering to the first Named Insured and the contractor written notice of cancella tion at least 1 10 days before the effective date of cancellation if we cancel for non payment of premium or 2 60 but not more than 120 days be fore the effective date of cancellation if we cancel for any other permissible reason. B. The following Condition is added and supersedes any other condition to the contrary Nonrenewal 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured and the contractor at least 60 but not more than 120 days be fore the expiration date or the anniversary date if this is a policy written for a term of more than one year or with no fixed expiration date. Any notice of nonrenewal will be mailed or delivered to the first Named Insured and the contractor at the last mailing addresses known to us. CG 2947 0412 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KENTUCKY CHANGES YOUR RIGHT TO CLAIM INFORMATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART CLAIMS MADE VERSION Paragraph 10. Your Right To Claim And Occur rence Information of Section IV Commercial General Liability Conditions is replaced by the fol lowing b. 10. Your Right To Claim And Occurrence Informa tion a. If we receive a written request from an in sured or our agent we will provide that in sured or agent the following information relat ing to this and any preceding general liability claims made Coverage Part we have issued to you during the previous five years 1 A list or other record of each occur rence not previously reported to any other insurer of which we were notified in accordance with Paragraph 2.a. of the Section IV Duties In The Event Of Oc currence Offense Claim Or Suit Condi tion. We will include the date and brief description of the occurrence if that in formation was in the notice we received A summary by policy year of payments made and amounts reserved stated separately under any applicable General Aggregate Limit and Products Completed Operations Aggregate Limit. Amounts reserved are based on our judg ment. They are subject to change and should not be regarded as ultimate settlement val ues. The insured must not disclose this information to any claimant or any claimant s representa tive without our consent. We will provide this information to the insured or our agent within 20 days of receipt of the written request. 2 We compile claim and occurrence informa tion for our own business purposes and exer cise reasonable care in doing so. In providing this information to the insured or our agent we make no representations or warranties to insureds insurers or others to whom this in formation is furnished by or on behalf of any insured. Any cancellation or nonrenewal of this Coverage Part will be effective even if we inadvertently provide inaccurate information. If Paragraph a. does not apply and we cancel or elect not to renew this Coverage Part we will provide the first Named Insured shown in the Declarations the following information re lating to this and any preceding general liabil ity claims made Coverage Part we have is sued to you during the previous three years 1 A list or other record of each occur rence not previously reported to any other insurer of which we were notified in accordance with Paragraph 2.a. of the Section IV Duties In The Event Of Oc currence Offense Claim Or Suit Condi tion. We will include the date and brief description of the occurrence if that in formation was in the notice we received A summary by policy year of payments made and amounts reserved stated separately under any applicable General Aggregate Limit and Products Completed Operations Aggregate Limit. Amounts reserved are based on our judg ment. They are subject to change and should not be regarded as ultimate settlement val ues. You must not disclose this information to any claimant or any claimant s representative without our consent. We will provide such information no later than 30 days before the date of policy termination. We compile claim and occurrence informa tion for our own business purposes and exer cise reasonable care in doing so. In providing this information to the first Named Insured we make no representations or warranties to insureds insurers or others to whom this in formation is furnished by or on behalf of any insured. Cancellation or nonrenewal will be effective even if we inadvertently provide in accurate information. 2 CG 33890513 Insurance Services Office Inc. 2012 Page 1 of 1 M A CG 33890513 001430 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT POLLUTION EXCLUSION INCLUDING LIMITED COVERAGE FOR POLLUTION COSTS TEXAS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building i Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iti Bodily injury or property dam age arising out of heat smoke or fumes from a hostile fire b At or from any premises site or loca tion which is or was at any time used c by or for any insured or others for the handling storage disposal process ing or treatment of waste Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for any insured or any person or organization for whom you may be legally responsible d At or from any premises site or loca e tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pollutants or If any such discharge dispersal seepage migration release or es cape of pollutants at or from any premises site or location commences in whole or in part before the policy period. All discharges dispersals seepages migrations releases or escapes of pollutants at or from any premises site or location shall be deemed to commence at the time of the initial discharge release or es cape. However subparagraph e does not apply to bodily injury or property damage included within the Products Completed Operations Hazard. Subparagraphs a b and c do not apply to bodily injury or property dam age if 1 the discharge release or escape of pollutants is at or from any prem ises site or location other than at or CGF1211103 Copyright The Travelers Indemnity Company 2003 Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY 001431 2 from an underground storage tank which is owned or occupied or man aged by or rented or loaned to you during the policy period and 2 the discharge release or escape of pollutants commences abruptly dur ing the policy period and ends within a period of 7 consecutive days after the initial discharge release or es cape and the discharge release or escape of pollutants becomes known to the insured and reported in writing to us within thirty 30 days from its abrupt commencement and 3 4 the bodily injury or property dam age arises only out of the discharge release or escape of poliutants de scribed in 1 2 and 3 above. This insurance also does not apply to Pollution costs. Il. COVERAGE D. LIMITED COVERAGE FOR POLLUTION COSTS 1. Insuring Agreement a. Page 2 of 3 We will pay those sums that the insured becomes legally obligated to pay as lim ited covered pollution costs to which this insurance applies. We will have the right and duty to defend any suit seeking limited covered pollution costs. We may at our discretion investigate any occur rence and settle any claim or suit that may result. But 1 The amount we will pay for limited covered poliution costs shall be in cluded within and not in addition to the Each Occurrence Limit because of all bodily injury and property damage arising out of any one oc currence. The total amount we will pay for limited covered polliution costs shall be included within and not in addition to the limits set forth in LIMIT OF INSURANCE Section Iy paragraphs 2. and 3. whichever is applicable 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 under Cov erages A or B medical expenses un 2 der Coverage C or limited covered pollution costs under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A Band D. b. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered poliution costs also causes bodily injury or prop erty damage to which Coverage A applies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. b. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. c. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. lll. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered pollution costs means any cost or expense arising out of a. Any request demand or order that the in sured test for monitor cleanup remove con Copyright The Travelers Indemnity Company 2003 CGF1211103 includes copyrighted material of Insurance Services Office Inc. with its permission der Coverage C or limited covered pollution costs under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A Band D. b. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered poliution costs also causes bodily injury or prop erty damage to which Coverage A applies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. b. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. c. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. lll. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered pollution costs means any cost or expense arising out of a. Any request demand or order that the in sured test for monitor cleanup remove con AR a T TRt 5 v | 2 |
COMMERCIAL GENERAL LIABILITY location which is or was at any time owned occupied or managed by rented or loaned to you. Pollution costs means any cost or expense arising out of a. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor cleanup remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pol lutants or b. Any claim or suit by or on behalf of a gov ernmental authority because of testing for monitoring cleaning up removing contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of poliutants. Underground storage tank means any one or combination of tanks including pipes connected thereto the volume of which including the vol ume of underground pipes connected thereto is 10 or more beneath the ground surface or oth erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. tain treat detoxify or neutralize or assess the effects of pollutants or Any claim or suit by or on behalf of a gov ernmental authority demanding that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants. Limited covered poliution costs shall not include Statutory or administrative fines or penalties administered by governmental entities or Salaries or benefits paid to your employees or Any cost or expense arising out of any re quest demand or order that the insured test for monitor cleanup remove contain treat detoxify or neutralize or assess the effects of poliutants situated on any premises site or location which is or was at any time owned occupied or managed by or rented or loaned to you or. Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for monitor cleanup remove contain treat de toxify or neutralize or assess the effects of pollutants situated on any premises site or CGF1211103 Copyright The Travelers Indemnity Company 2003 Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT POLLUTION EXCLUSION INCLUDING LIMITED COVERAGE FOR POLLUTION COSTS NEW YORK This endorsement madifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section I Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building ii Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion 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 dam age arising out of heat smoke or fumes from a hostile fire I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section I Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building ii Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or Bodily injury or property dam age arising out of heat smoke or fumes from a hostile fire b c d e At or from any premises site or loca tion which is or was at any time used by or for any insured or others for the handling storage disposal process ing or treatment of waste Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for any insured or any person or organization for whom you may be legally responsible At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pollutants or If any such discharge dispersal seepage migration release or es cape of pollutants at or from any premises site or location commences in whole or in part before the policy period. All discharges dispersals seepages migrations releases or escapes of pollutants at or from any premises site or location shall be deemed to commence at the time of the initial discharge release or es cape. However subparagraph e does not apply to bodily injury or property damage included within the Products Completed Operations Hazard. Subparagraphs a b and c do not apply to bodily injury or property dam age if CGF1491103 Copyright The Travelers Indemnity Company 2003 Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. 001432 g A T AR | 2 |
COMMERCIAL GENERAL LIABILITY 1 the discharge release or escape of pollutants is at or from any prem ises site or location other than at or from an underground storage tank which is owned or occupied or man aged by or rented or loaned to you during the policy period and the discharge release or escape of pollutants commences abruptly dur ing the policy period and ends within a period of 7 consecutive days after the initial discharge release or es cape and the discharge release or escape of pollutants becomes known to the insured within thirty 30 days from its abrupt commencement and is re ported in writing to us as soon as practicable and the bodily injury or property dam age arises only out of the discharge release or escape of pollutants de scribed in 1 2 and 3 above. 2 3 4 2 This insurance also does not apply to Pollution costs. Il. COVERAGE D. LIMITED COVERAGE FOR POLLUTION COSTS 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as lim ited covered pollution costs to which this insurance applies. We will have the right and duty to defend any suit seeking limited covered pollution costs. We may at our discretion investigate any occur rence and settle any claim or suit that may result. But 1 The amount we will pay for limited covered poliution costs shall be in cluded within and not in addition to the Each Occurrence Limit because of all bodily injury and property damage arising out of any one oc currence. The total amount we will pay for limited covered pollution costs shall be included within and not in addition to the limits set forth in LIMIT OF INSURANCE Section HI paragraphs 2. and 3. whichever is applicable 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 Cov erages A or B medical expenses un der Coverage C or limited covered pollution costs under Coverage D. No other obligation or liability o pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A B and D. b. This insurance applies to limited covered pollution costs only if 1 The limited covered poliution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered poliution costs also causes bodily injury or prop erty damage to which Coverage A applies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. b. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. c. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. Ill. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Page 2 of 3 Copyright The Travelers Indemnity Company 2003 CGF1491103 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY Limited covered pollution costs means any cost or expense arising out of a. Any request demand or order that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants or Any claim or suit by or on behalf of a gov ernmental authority demanding that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of pollutants. Limited covered pollution costs shall not include Punitive or exemplary damages or statutory or administrative fines or penalties or Salaries or benefits paid to your employees or iii. Any cost or expense arising out of any re quest demand or order that the insured test for monitor cleanup remove contain treat detoxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by or rented or loaned to you or Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for monitor cleanup remove contain treat de toxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by rented or loaned to you. Pollution costs means any cost or expense arising out of a. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor cleanup remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pol lutants or b. Any claim or suit by or on behalf of a gov emmental authority because of testing for monitoring cleaning up removing contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of pollutants. Underground storage tank means any one or combination of tanks including pipes connected thereto the volume of which including the vol ume of underground pipes connected thereto is 10 or more beneath the ground surface or oth erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. oo1438 1o you or iv. Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for monitor cleanup remove contain treat de erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. CGF1491103 Copyright The Travelers Indemnity Company 2003 Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT POLLUTION EXCLUSION INCLUDING LIMITED COVERAGE FOR POLLUTION COSTS SOUTH CAROLINA This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building ii Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion 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 dam age arising out of heat smoke or fumes from a hostile fire I. REVISED EXCLUSION F. Exclusion f. of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section Coverages is deleted and replaced by the fol lowing This insurance does not apply to f. 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion which is or was at any time owned or occupied or managed by or rented or loaned to any insured. However this paragraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot from equip ment used to heat that building ii Bodily injury or property dam age 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 per formed for that additional insured at that premises site or location and such premises site or loca tion 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 dam age arising out of heat smoke or fumes from a hostile fire b c d e At or from any premises site or loca tion which is or was at any time used by or for any insured or others for the handling storage disposal process ing or treatment of waste Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for any insured or any person or organization for whom you may be legally responsible At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pollutants or if any such discharge dispersal seepage migration release or es cape of pollutants at or from any premises site or location commences in whole or in part before the policy period. All discharges dispersals seepages migrations releases or escapes of pollutants at or from any premises site or location shall be deemed to commence at the time of the initial discharge release or es cape. However subparagraph e does not apply to bodily injury or property damage included within the Products Completed Operations Hazard. Subparagraphs a b and c do not apply to bodily injury or property dam age if CG F1891103 Copyright The Travelers Indemnity Company 2003 Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY 001434 2 1 the discharge release or escape of pollutants is at or from any prem ises site or location other than at or from an underground storage tank which is owned or occupied or man aged by or rented or loaned to you during the policy period and the discharge release or escape of pollutants commences abruptly dur ing the policy period and ends within a period of 7 consecutive days after the initial discharge release or es cape and the discharge release or escape of pollutants becomes known to the insured and reported in writing to us within thirty 30 days from its abrupt commencement and 4 the bodily injury or property dam age arises only out of the discharge release or escape of pollutants de scribed in 1 2 and 3 above. This insurance also does not apply to Pollution costs. 2 3 Il. COVERAGE D. LIMITED COVERAGE FOR POLLUTION COSTS 1. Insuring Agreement a. Page 2 of 3 We will pay those sums that the insured becomes legally obligated to pay as lim ited covered pollution costs to which this insurance applies. We will have the right and duty to defend any suit seeking limited covered pollution costs. We may at our discretion investigate any occur rence and settle any claim or suit that may result. But 1 The amount we will pay for limited covered pollution costs shall be in cluded within and not in addition to the Each Occurrence Limit because of all podily injury and property damage arising out of any one oc currence. The total amount we will pay for limited covered pollution costs shall be included within and not in addition to the limits set forth in LIMIT OF INSURANCE Section Il paragraphs 2. and 3. whichever is applicable and Our right and duty to defend end when we have used up the applicable 2 Copyright The Travelers Indemnity Company 2003 limit of insurance in the payment of judgments or settlements under Cov erages A or B medical expenses un der Coverage C or limited covered pollution costs under Coverage D. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUP PLEMENTARY PAYMENTS COVER AGES A B and D. This insurance applies to limited covered pollution costs only if 1 The limited covered pollution costs result from an occurrence that takes place in the coverage territory and 2 The same occurrence which results in limited covered pollution costs also causes bodily injury or prop erty damage to which Coverage A applies. 2. Exclusions This insurance does not apply to a. Limited covered pollution costs incurred by any person or organization other than the Named Insured shown in the Declara tions. Limited covered pollution costs which the insured is obligated to pay by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability that the insured would have to pay limited covered pollution costs in the absence of the contract or agreement. Limited covered pollution costs if the bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants is not covered under Coverage A. 3. SUPPLEMENTARY PAYMENTS COVER AGES A AND B is amended to read SUPPLEMENTARY PAYMENTS COVER AGES A B AND D. ADDITIONAL DEFINITIONS The following shall be added to DEFINITIONS Section V Limited covered pollution costs means any cost or expense arising out of CGF1891103 Includes copyrighted material of Insurance Services Office Inc. with its permission. 1. Insuri a. W | 2 |
COMMERCIAL GENERAL LIABILITY a. Any request demand or order that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of poliutants or Any claim or suit by or on behalf of a gov ernmental authority demanding that the in sured test for monitor cleanup remove con tain treat detoxify or neutralize or assess the effects of poliutants. Limited covered pollution costs shall not include Statutory or administrative fines or penalties or Salaries or benefits paid to your employees or Any cost or expense arising out of any re quest demand or order that the insured test for monitor cleanup remove contain treat detoxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by or rented or loaned to you or iv. Any cost or expense arising out of any claim or suit by or on behalf of a governmental au thority demanding that the insured test for monitor cleanup remove contain treat de toxify or neutralize or assess the effects of pollutants situated on any premises site or location which is or was at any time owned occupied or managed by rented or loaned to you. Pollution costs means any cost or expense arising out of a. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor cleanup remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pol lutants or b. Any claim or suit by or on behalf of a gov ernmental authority because of testing for monitoring cleaning up removing contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of poliutants. Underground storage tank means any one or combination of tanks including pipes connected thereto the volume of which including the vol ume of underground pipes connected thereto is 10 or more beneath the ground surface or oth erwise covered with earthen materials. Under ground pipes means all underground piping in cluding but not limited to valves elbows joints flanges and flexible connectors attached to a tank system. CGF1891103 Copyright The Travelers Indemnity Company 2003 Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
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A TRAVELERSJ One Tower Square Hartford Connecticut 06183 EMPLOYEE BENEFITS LIABILITY POLICY NO. TC2J GLSA1009A614 TIL13 COVERAGE PART DECLARATIONS ISSUE DATE 11 15 13 INSURING COMPANY TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA DECLARATIONS PERIOD From10 31 13 to 10 31 14 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employee Benefits Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE Employee Benefits Liability Coverage Form Limits of Insurance Aggregate Limit 2000000 Each Employee Limit 2000000 Limits of Insurance 2000000 2000000 AUDIT PERIOD ANNUAL FORM OF BUSINESS CORPORATION RETROACTIVE DATE This insurance does not apply to negligent acts errors or omissions which occurred before the Retroactive Date if any shown below. Retroactive Date 10 31 2006 EMPLOYEE BENEFIT PROGRAMS OTHER THAN THOSE LISTED IN SECTION VIl DEFINITIONS See CG F4 15 11 05 CG D3 55 09 05 DEDUCTIBLE EACH EMPLOYEE PREMIUM COMPUTATION Rate Estimated No. Per Estimated Minimum of Employees Employee Premium Premium INCL NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. nis insuranc Date if any sl Rate Per Employee CG T0 09 03 95 sorsss PRODUCER LOCKTON COMPANIES LLC Page 1 of 1 OFFICE KANSAS CITY 095 NA287 | 2 |
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TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE SECTION I COVERAGES Beginning on Page Employee Benefits Insuring Agreement 1 Liability Coverage Exclusions N e 1 Supplementary Payments. 2 SECTION I WHO 1S AN INSURED R e s 2 SECTION II LIMITSOFINSURANCE 2 SECTIONIV DEDUCTIBLE S SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS... Bankruptey.. Cancellation N I and Reduction or Deletion of Coverage Duties in The Event of Act Error or Omission Legal Action Against Us.. Other Insurance Premium Audit Representations Separation of Insureds Transfer of Rights of Reccvery Against Others To Us AABRPAPROA SECTION VI EXTENDED REPORTING PERIODS 4 SECTION VII DEFINITIONS. R y 5 CGTo43 1188 oot4a7 TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE SECTION I COVERAGES Beginning on Page Employee Benefits Insuring Agreement 1 Liability Coverage Exclusions. o1 Supplementary Payments. 2 EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE Employee Benefits Liability Coverage LlaEIIhi Coverage Exclusions N e 1 Supplementary Payments. 2 SECTION II WHO 1S AN INSURED e s SECTION IlIl LIMITSOF INSURANCE 2 SECTION IV DEDUCTIBLE. B SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS...... Bankruptey.. Cancellation Non renewal Renewal and Reduction or Deletion of Coverage Duties In The Event of Act Error or Omission. Legal Action Against Us.. Other Insurance Premium Audit Representations Separation of Insureds Transfer of Rights of Fieccvery Agamst Others To Us AABRPAPROA SECTION VI EXTENDED REPORTING PERIODS 4 SECTION VII DEFINITIONS. R 5 | 2 |
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COMMERCIAL GENERAL LIABILITY 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 Il WHO IS AN IN SURED. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VII DEFINI TIONS. SECTION EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of any negligent act error or omis sion 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 obliga tion 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 negli gent 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 il 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 re sult 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 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. 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. 2 2. Exclusions This insurance does not apply to a. Loss arising out of any dishonest fraudulent criminal or malicious act or omission com mitted by any insured Bodily injury or property damage or per sonal 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 any insured or A0 A Page 1 0of 6 CG T101 07 86 001438 | 2 |
COMMERCIAL GENERAL LIABILITY 2 advice given to any person to participate or not to participate in any plan included in the employee benefit program Loss arising out of your failure to comply with the mandatory provisions of any law con cemning workers compensation unemploy ment insurance social security or disability benefits Loss for which the insured is liable because of liability imposed on a fiduciary by the Em ployee Retirement Security Act of 1974 as now or hereafter amended or Loss or damage for which benefits have ac crued 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 pre cluded the claimant from receiving such benefits. 3. 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 in sured at our request to assist us in the inves tigation or defense of the claim or suit in cluding actual loss of earnings up to 100 a day because of time off from work. All costs taxed against the insured in the suit. Pre judgment 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. Allinterest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or de posited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of in surance. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are in sureds 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 in sured. c. An organization other than a partnership or joint venture you are an insured. Your direc tors and stockholders are also insureds but only with respect to their liability as your di rectors or stockholders. 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 repre sentative will have all your rights and duties under this Coverage Part. 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 or ganization. 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 pe riod whichever is earlier 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 re spect to the conduct of any current or past part nership or joint venture 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 re gardless 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 Page 2 of 6 CG T10107 86 | 2 |
COMMERCIAL GENERAL LIABILITY e. Plans included in your employee benefit pro gram 2. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions committed in the administration of your em ployee benefit program. 3. Subject to the Aggregate Limit the Each Em ployee Limit is the most we will pay for all dam ages 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 re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended 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 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 6 of the Declarations as applicable to Each Em ployee. 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. 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. 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. 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 Bankruptcy. Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obliga tions under this Coverage Part. Duties In the Event Of Act Error or Omission Claim or Suit. 1. 3. a. You must see to it that we are notified as soon as practicable of an act eror or omis sion which may result in a claim. Notice should include 1 What the act error or omission was and when it occurred. 2 The names and addresses of any em ployees who may suffer damages as a result of the act error or omission Notice of an act error or omission is not no tice of a claim. If a claim is received by any insured you must 1 Immediately record the specifics of the claim and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or 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 en forcement 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. No insureds will except at their own cost voluntarily make a payment assume any ob ligation or incur any expense without our consent. Legal Action Against Us. No person or organization has a right under this Coverage Part CG T10107 86 001438 Page 3 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY a. To join us as a party or otherwise bring us into a suit asking for damages from an in sured 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 insur ance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal repre sentative. Other Insurance. If other valid and collectible insurance is available to the insured for a loss we cover under this Cov erage Part our obligations are limited as follows a. Primary Insurance. This insurance is primary except when para graph 4. of Section V 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 alt of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit con tribution 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 insur ance to the total applicable limits of insurance of all insurers. 5. Premium Audit. a. We will compute all premiums for this Cover age Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will com pute the earned premium for that period. Audit premiums are due and payable on no tice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than the earned pre mium we will retumn the excess to the first Named Insured.. The first Named Insured must keep records of the information we need for premium com putation and send us copies at such times as we may request. Representations. By accepting this policy you agree a. The statements in the Declarations are accu rate and complete b. Those statements are based upon represen tations you made to us and c. We have issued this policy in reliance upon your representations. Separation of Insureds. Except with respect to the Limits of Insurance and any rights or duties specifically assigned 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 who claim is made or suit is brought. Transfer of Rights of Recovery Against Others To Us. If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. Cancellation Non renewal Renewal and Reduction or Deletion of Coverage The following conditions also apply to this Cover age 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. SECTION VI EXTENDED REPORTING PERIODS We will provide an automatic Extended Reporting Period as described in paragraph 3. or if you Page 4 of 6 CG T10107 86 | 2 |
COMMERCIAL GENERAL LIABILITY purchase it an Extended Reporting Period En dorsement as described in paragraph 4 only if a. This Coverage Part is cancelled or not re newed 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 INSURING AGREEMENT SECTION I 3 A claim first made during the Extended Re porting Period will be deemed to have been made on the last day of the policy period pro vided that the claim is for damages because of an act error or omission that occurred be fore 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 pe riod of this policy. This automatic Extended Reporting Period ap plies only if no subsequent insurance you pur chase 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 Pe riod wili 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 a. Makes a written request for it which we re ceive within 60 days after the end of the pol icy period and b. 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 canceled The Extended Reporting Period Endorsement will also amend paragraph 4.a. of SECTION V EM PLOYEE 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 pri mary excess contingent or on any other basis whose policy period begins or continues after the Endorsement takes effect. 5. We will determine the actual premium for the Extended Reporting Period Endorsement in ac cordance with our rules and rates. In doing so we may take into account the following a. The exposures insured b. Previous types and amounts of insurance c. Limits of Insurance available under this Cov erage Part for future payment of damages and d. 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 en dorsement would be attached and will be fully earned when the Endorsement takes effect. SECTION VIi DEFINITIONS 1. Administration means a. Counseling employees including their de pendents and beneficiaries with respect to the employee benefit program b. Handling records in connection with the em ployee benefit program or c. Effecting or terminating any employee s par ticipation in a plan included in the employee benefit program. 2. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. 3. Coverage territory means the United States of America including its territories and posses sions Puerto Rico and Canada. 4. Employee means your officers partners and employees whether actively employed disabled or retired. 5. 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 sub scribe to such insurance or plans Page 5 of 6 CG T1010786 oot1440 | 2 |
COMMERCIAL GENERAL LIABILITY c. Unemployment insurance social security benefits workers compensation and disability benefits Any other similar plan designated in the Dec laration or added thereto by endorsement. Personal injury means injury other than bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. Wrongful entry into or eviction of a person from a room dwelling or premises that the person occupies 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 10. e. Oral or written publication of material that violates a person s right of privacy. Profit sharing plans mean only such plans that are equally available to all full time employees. Property 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. Stock subscription plans mean only such plans that are equally available to all full time employ ees. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes an arbitration proceeding alleging such damages to which you must submit or submit with our consent. Page 6 of 6 CGT10107 86 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT WHO IS AN INSURED NEWLY ACQUIRED OR FORMED ORGANIZATIONS This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART Provisions SECTION Il WHO IS AN INSURED 3.a. is eliminated and replaced by the following a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organiza tion or the end of the policy period whichever is earlier unless reported in writing to us within 180 days. O LI v CGD1511208 001441 2008 The Travelers Companies Inc. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This coverage part is amended as follows 2. Under Section IlI WHO 1S AN INSURED I 1. Under Section 1EMPLOYEE BENEFITS LIA 1.b. Is replaced by the following BILITY COVERAGE Exclusion 2.c. is amended to b. A partnership or joint venture you are read as follows insured. Your members your partners c. Loss arising out of failure of performance of their spouses are also insureds but only contract by any insurer respect to their duties as partners or m bers of a joint venture. 2. Under Section II WHO IS AN INSURED ltem 1.b. is replaced by the following 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 their duties as partners or mem bers of a joint venture. CG T5 30 06 89 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION IRC VIOLATIONS This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS b. Any expense loss or damages i arising out of This insurance does not apply to the imposnion of such taxes fines interest.. N penalties or other charges or ii resulting from a. Any taxes fines interest penalties or other cost any provision of the Internal Revenue Code of imposed under or resulting from any provision 1986 as amended of the Internal Revenue Code of 1986 as amended or any similar state or local law or AR 1L IR e Copyright The Travelers Indemnity Company 1995 CG D038 0395 cotadz Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL EXCLUSION EMPLOYEE BENEFITS LIABILITY This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This insurance does not apply to loss arising out of 1. The wrongful termination of an employee 2. The coercion demotion reassignment discipline or harassment of an employee 3. Discrimination against an employee. CGT4851188 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES DUTIES This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART The following is added to the Duties Condition. We will notify the first Named Insured in writing of 1. An initial offer to compromise or settle a claim made or suit brought against any insured under this cov erage. The notice will be given not later than the 10th day after the date on which the offer is made. 2. Any settlement of a claim made or suit brought against the insured under this coverage. The notice will be given not later than the 30th day after the date of the settlement. CGF4171205 001443 Includes the copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDATORY ENDORSEMENT VIRGINIA EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS Paragraphs 1. 2. and 4. of SECTION VI EX TENDED REPORTING PERIODS are deleted and replaced by the following 1. We will provide an automatic Extended Report ing Period as described in paragraph 3. or if you purchase it an Extended Reporting Period En dorsement as described in paragraph 4 only if a. The policy to which this Coverage Part is at tached is cancelled or not renewed by either you or us for any reason other than non payment of premium or failure to comply with policy terms or conditions b. We renew or replace this Coverage Part with other insurance that 1 Has a Retroactive Date later than the date shown in this Coverage Part s Dec larations or errors or omissions that were first committed be fore the end of the policy period but not before the Retroactive Date if any shown in the Decla rations. Extended Reporting Periods do not reinstate or increase the Limits of Insurance applicable to any claim to which this Coverage Part applies except to the extent described as follows If the optional Extended Reporting Period is in effect we will provide the separate aggregate limits of insurance described below but only for claims first received and recorded during the op tional Extended Reporting Period. The separate aggregate limits of insurance will be equal to the dollar amount shown in the Dec larations in effect at the end of the policy period. Paragraphs 2. and 3. of SECTION Il LIMITS OF INSURANCE will be amended accordingly. 2 Does not apply to an act error or omis 4. If you purchase the optional Extended Reporting sion on a claims made basis Period Endorsement the Extended Reporting c. The coverage provided by this Coverage Period will be for three years starting with the Part is terminated or end of the policy period of this policy. We will issue that Endorsement if the first Named In d. An exclusionary endorsemept is attached at sured shown in the Declarations avr han e st e dee o 1163 akes a witen rquest o 1 wich v this provision d. only any Extended Report ceive mh.m 60 days after the end of the pol ing Period applies only to the coverage icy period and which is newly excluded. b. Promptly pays the additional premium when 2. If we provide an Extended Reporting Period the due. following is added to paragraph 1.b. of Insuring The Extended Reporting Period Endorsement Agreement SECTION I will not take effect unless the additional premium 3 A claim first made during the Extended Re is paid when due. If that premium is paid when porting Period will be deemed to have been due the endorsement may not be cancelled. made on the last day of the policy period The Extended Reporting Period Endorsement provided that the claim is for damages be will also amend paragraph 4.a. of SECTION V cause of an act error or omission that oc EMPLOYEE BENEFITS LIABILITY CONDI curred before the end of the policy period of TIONS Other Insurance so that the insurance this policy but not before any applicable provided will be excess over any other valid and Retroactive Date. collectible insurance available to the insured The Extended Reporting Period does not extend whether primary excess contingent or on any the policy period or change the scope of cover other basis whose policy period begins or con age provided. It applies only to claims for acts tinues after the Endorsement takes effect. CG F4 230506 2006 The St. Paul Travelers Companies Inc. Page 1 of 1 Includes the copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART The following is added to SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Transfer Of Duties When A Limit Of Insurance Is Used Up. a. If we conclude that based on acts errors omis sions claims or suits which have been reported to us and to which this insurance may apply the 1 Aggregate Limit or 2 Each Employee Limit is likely to be used up in the payment of judg ments or settlements we will notify the first Named Insured in writing to that effect. When a limit of insurance described in Paragraph a. above has actually been used up in the pay ment of judgments or settlements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking dam ages subject to that limit has also ended. 2 We will initiate and cooperate in the transfer of control to any appropriate insured of ail claims and suits seeking damages which are subject to that limit and which are re ported to us before that limit is used up. That insured must cooperate in the transfer of con trol of said claims and suits. We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. We will take no action whatsoever with re spect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is re ported to us after that limit of insurance has been used up. The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the de fense of such suit within such time period as agreed to between the appropriate insured and us. Absent any such agreement ar rangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for ex penses we incur in taking those steps we deem appropriate in accordance with Paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with Paragraph a. above or 2 The date on which we sent notice in accor dance with Paragraph b.1 above if we did not send notice in accordance with Paragraph a. above The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be af fected by our failure to comply with any of the provisions of this Condition. TION V EMPLOYEE ITIONS Limit Of Insurance Is d on acts errors omis lich have been reported urance may apply the 1 the payment of judg ve will notify the first o that effect. described in Paragraph an need un in the nav Page 1 0f 1 CGF71808 12 001444 2012 The Travelers Indemnity Company. Al rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY AMENDATORY ENDORSEMENT NORTH CAROLINA This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS 1. We will also consider a claim to have been first made when we receive first notice during the policy period of a negligent act error or omission in the administration of your employee benefits program. This only applies if a We receive the notice from an insured or from the party seeking damages b The Insured has reasonable knowledge that a negligent act error or omission has oc curred and c The information we receive includes the name and address of the party who may suf fer los 2. SECTIC replaci 1. Ou the dal sta plic Lin nof dex fer damages and a specific description of the loss or damage which may resuit. 2. SECTION V DEDUCTIBLE Is amended by replacing provision 1. with the following 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 5 of the Declarations as ap plicable to Each Employee. The Aggregate Limit and the Each Employee Limit shall not be reduced by the application of such deductible amount. CG T7630189 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH CAROLINA CHANGES LOSS INFORMATION This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART The following additional conditions applies 10. Your Right to Claim and Act Error or Omission Information. We will provide the first Named Insured shown in the Declarations the following infor mation relating to this and any other preced ing employee benefits liability claims made coverage part we have issued to you during the previous three years a. Alist or other record of each act error or omission not previously reported to any other insurer of which we were notified in accordance with paragraph 2.a. of this Section. We will include the date and brief description of the act error or omis sion if that information was in the notice we recelved. Amounts r are subject ultimate se mation witt We compil tion for ol reasonable mation to resentation others to w behalf of ar be effectiv curate info b. A summary by policy year of payments made and amounts reserved stated separately under any applicable Ag gregate Limit. Amounts reserved are based on our judgment. They are subject to change and should not be regarded as ultimate settiement values. We will provide this infor mation within 45 days of receipt of the request. We compile claim and act error or omission informa tion for our own business purposes and exercise reasonable care in doing so. In providing this infor mation to the first Named Insured we make no rep resentations or warranties to insureds insurers or others to whom this information is furnished by or on behalf of any insured. Cancellation or nonrenewal will be effective even if we inadvertently provide inac curate information. 0000 0000 0 O 0 v Page 1 of 1 CG T7 66 07 88 01445 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY AMENDATORY ENDORSEMENT MARYLAND CONFORMITY TO STATUTE This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS The terms of the Employee Benefits Liability Coverage Part which are in conflict with the statutes of the State of Maryland are hereby amended to conform to such statutes. CG T9 07 07 86 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES DUTIES IN THE EVENT OF OCCURRENCE CLAIM OR SUIT EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS The following is added to Condition 2. of CONDITIONS Section V e. Notice given by or on behalf of the insured to any of our authorized agents in Indiana with particulars sufficient to identify the insured shall be considered to be notice to us. OO OO A v CG T9 17 07 86 cot428 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES EXAMINATION OF YOUR BOOKS AND RECORDS EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS The EXAMINATION OF YOUR BOOKS AND RECORDS Common Policy Conditions is replaced by the following We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to one year afterward. CG T9 20 07 86 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WYOMING CHANGES DUTY TO DEFEND EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS 1. The following is added to paragraph 1.a. 3 of EMPLOYEE BENEFITS LIABILITY COVERAGE Section I The tender of the limits of insurance before judgment or settlement does not relieve us of our duty to defend. 2. The following is added as the final full paragaraph of 1. Insuring Agreement of COVERAGE Section I Damages include prejudgement interest awarded against the insured. 3. References to prejudgement interest in the Supplementary Payments section of COVERAGE Section 1 are deleted. 00 0 A O A 3 v CG T9 57 06 88 01447 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDATORY ENDORSEMENT FLORIDA EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS 1. The following additional provision applies to The separate aggregate limits of insura SECTION VI EXTENDED REPORTING PERI will be equal to the dollar amount showt ODS the Declarations in effect at the end of 6. Extended Reporting Periods do not reinstate policy period. or increase the Limits of Insurance ap Paragraphs 2. and 3. of SECTION IiI LIM plicable to any claim to which this Coverage OF INSURANCE will be amended accord Part applies except to the extent described ly. as follows 2. Under SECTION VI EXTENDED REPORTI If the optional Extended Reporting Period is PERIODS the first sentence of item 4 in effect we will provide the separate ag amended to read as follows gregate limits of insurance described below If you purchase the Extended Reporting Pei but only for claims first received and Endorsement the Extended Reporting period recorded during the optional Extended be for three years starting with the end of Reporting Period. policy period of this policy. The separate aggregate limits of insurance will be equal to the dollar amount shown in the Declarations in effect at the end of the policy period. Paragraphs 2. and 3. of SECTION IlI LIMITS OF INSURANCE will be amended according ly. 2. Under SECTION VI EXTENDED REPORTING PERIODS the first sentence of item 4 s amended to read as follows If you purchase the Extended Reporting Period Endorsement the Extended Reporting period will be for three years starting with the end of the policy period of this policy. CG T9 86 10 87 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY AMENDATORY ENDORSEMENT MARYLAND This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS The following additional items apply to SECTION VI EXTENDED REPORTING PERIODS 6. The Optional Extended Reporting Period endorse ment in items 4 and 5 above is for a term of one year. The first Named Insured may also request the Special Optional Extended Reporting Period Endorsement which is of unlimited duration. We will issue that Endorsement if the first Named Insured shown in the Declarations a. Makes a written request for it which we receive within 60 days after the end of the policy period b. Promptly pays the additional premium when due and c. The account meets our underwriting require ments. The Special Optional 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. If the Special Optional Extended Reporting Per iod Endorsement is issued paragraph 4.a. of SECTION V EMPLOYEE BENEFITS LIABIL CONDITIONS Other Insurance is amendec that the insurance provided will be excess c any other valid and collectible insurance a able to the insured whether primary exc contingent or on any other basis whose po period begins or continues after Endorsement takes effect. We will determine the actual premium for Special Optional Extended Reporting Pel Endorsement in accordance with our rules rates. In doing so we may take into account following a. The exposures insured b. Previous types and amounts of insurance. c. Limits of Insurance avallable under Coverage Part for future payment damages and d. Other related factors. The premium for the Special Optional Exten Reporting Period Endorsement will be earned when the Endorsement takes effect. SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Other Insurance is amended so that the insurance provided will be excess over any other valid and collectible insurance avail able to the insured whether primary excess contingent or on any other basis whose policy period begins or continues after the Endorsement takes effect. We will determine the actual premium for the Special Optional Extended Reporting Period Endorsement in accordance with our rules and rates. In doing so we may take into account the following a. The exposures insured b. Previous types and amounts of insurance c. Limits of Insurance avallable under this Coverage Part for future payment of damages and d. Other related factors. The premium for the Special Optional Extended Reporting Period Endorsement will be fully earned when the Endorsement takes effect. i v 1 000 CG 7988 10 87 co1448 Page 1 of 1 | 2 |
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g N TRAVELERSJ One Tower Square Hartford Connecticut 06183 POLICY NUMBER TC2J GLSA1009A614 TIL13 LIQUOR LIABILITY ISSUE DATE 11 15 13 COVERAGE PART DECLARATIONS INSURING COMPANY TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA Declarations Period From 10 31 13 to10 31 14 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Liquor Liability Coverage Part consist of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE LIQUOR LIABILITY COVERAGE FORM LIMITS OF INSURANCE 1000000 1000000 Aggregate Limit Each Common Cause Limit 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS CORPORATION NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. RETROACTIVE DATE CG 00 34 ONLY This insurance does not apply to bodily injury or property damage which occurs before the Retroactive Date if any shown below. RETROACTIVE DATE ACTO O 0 OF RETROACTIVE DATE CG 00 34 ONLY This insurance does not apply to bodily injury or property damage which occurs before the Retroactive Date if any shown below. RETROACTIVE DATE CG T0 0403 95 PRODUCER LOCKTON COMPANIES LLC 001450 OFFICE KANSAS CITY NA287 nan nan nan nan 95.0 | 2 |
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TABLE OF CONTENTS LIQUOR LIABILITY COVERAGE FORM CG 00331001 SECTION I LIQUOR LIABILITY COVERAGE Beginning on Page Insuring Agreement Exclusions......... Supplementary Payments.................. SECTION II WHO IS AN INSURED SECTION ll LIMITS OF INSURANCE SECTION IV LIQUOR LIABILITY CONDITIONS Bankruptcy Duties in the Event of Inury Clalm or Sut Legal Action Against Us. Other Insurance... Premium Audit.. Representations Separation of Insureds Transfer of Rights of Recovery Agams Others To Us When We Do Not Renew... SECTION V DEFINITIONS TABLE OF CONTENTS LIQUOR LIABILITY COVERAGE FORM CG 00331001 SECTION I LIQUOR LIABILITY COVERAGE Beginning on Page Insuring Agreement......... Exclusions.................. Supplementary Payments TABLE OF CONTENTS LIQUOR LIABILITY COVERAGE FORM CG 00331001 Insuring Agreement Exclusions......... Supplementary Payments.................. SECTION II WHO IS AN INSURED...... SECTION l LIMITS OF INSURANCE......... oiiiiiiiiiiei s SECTION IV LIQUOR LIABILITY CONDITIONS................... Bankruptcy Duties in the Evenl of Injury Clalm or Sut Legal Action Against Us. Other Insurance... Premium Audit......... Representations......... Separation of Insureds Transfer of Rights of Recovery Agamsi Others To Us When We Do Not Renew................. e moosrrbL SECTION V DEFINITIONS o CG T0 38 1103 01481 | 2 |
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COMMERCIAL GENERAL LIABILITY LIQUOR LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the Company providing this insurance The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions SECTION LIQUOR LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of injury to which this insurance applies if liability for such injury is imposed on the insured by reason of the selling serv ing or furnishing of any alcoholic beverage. 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 injury to which this insurance does not apply. We may at our discretion in vestigate any injury 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. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to injury only if 1 The injury occurs during the policy pe riod in the coverage territory and 2 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 no tice of an injury or claim knew that the injury had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy pe riod that the injury occurred then any continuation change or resumption of such injury during or after the policy pe riod will be deemed to have been known prior to the policy period.. Injury 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 In sured or any employee authorized by you to give or receive notice of an injury or claim includes any continuation change or resump tion of that injury after the end of the policy period d. Injury will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Sec tion Il Who Is An Insured or any employee authorized by you to give or receive notice of an injury or claim 1 Reports all or any part of the injury to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the in jury or 3 Becomes aware by any other means that injury has occurred or has begun to oc cur 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Injury expected or intended from the stand point of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unem ployment compensation law or any similar law. GO0 MARTATRR U W cGoo331001 cot1452 ISO Properties Inc. 2000 Page 1 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY c. 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 con duct of the insured s business or 2 The spouse child parent brother or sis ter of that employee as a consequence of Paragraph 1 above. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. d. Liquor License Not In Effect Injury arising out of any alcoholic beverage sold served or furnished while any required license is suspended or after such license expires is cancelled or revoked. e. Your Product Injury arising out of your product. This ex clusion does not apply to injury for which the insured or the insured s indemnitees 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 relat ing to the sale gift distribution or use of alcoholic beverages. f. Other Insurance Any injury with respect to which other insur ance is afforded or would be afforded but for the exhaustion of the limits of insurance. This exclusion does not apply if the other in surance responds to liability for injury im posed on the insured by reason of the selling serving or furnishing of any alcoholic bever age. SUPPLEMENTARY PAYMENTS We will pay with respect to any claim we investigate or settle or any suit against an insured we defend 1. All expenses we incur. 2. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to fumnish these bonds. 3. 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. Al costs taxed against the insured in the suit. 5. 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. 6. All interest on the full amount of any judgment that accrues after entry of the judgment and be fore we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. 7. Expenses incurred by the insured for first aid administered to others at the time of an event to which this insurance applies. These payments will not reduce the limits of insur ance. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. Anindividual you and your spouse are insur eds. b. A partnership or joint venture you are an in sured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liabilty company you are an in sured. Your members are also insureds but only with respect to the conduct of your busi ness. 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 di rectors 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. 2. Each of the following is also an insured a. Your employees other than either your ex ecutive officers if you are an organization other than a partnership joint venture or fim Page 2 of 6 ISO Properties Inc. 2000 CG 00 33 10 01 | 2 |
COMMERCIAL GENERAL LIABILITY ited 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 is an insured for 1 Injury a To you to your partners or members if you are a partnership or joint ven ture to your members if you are a fimited liability company or to a co employee while that coemployee is either in the course of his or her employment or performing duties re lated to the conduct of your business b To the spouse child parent brother or sister of that coemployee as a consequence of Paragraph 1a above or c For which there is any obligation to share damages with or repay some one else who must pay damages be cause of the injury described in Para graphs 1a or b above. 2 Property damage to property a Owned or occupied by or b Rented or loaned to that employee any of your other employees by any of your partners or members if you are a partnership or joint venture or by any of your members if you are a limited liability company. b. 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. c. Your legal representative if you die but only with respect to duties as such. That represen tative will have all your rights and duties un der this Coverage Part. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named In sured if there is no other similar insurance avail able 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 pe riod whichever is earlier and b. Coverage does not apply to injury that oc curred before you acquired or formed the or ganization. No person or organization is an insured with re spect to the conduct of any current or past part nership joint venture or limited liability company that is not shown as a Named Insured in the Dec larations. SECTION Iil LIMITS OF INSURANCE 1. The Limits of insurance shown in the Declarations and the rules below fix the most we will pay re gardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Aggregate Limit is the most we will pay for all injury as the result of the selling serving or fur nishing of alcoholic beverages. 3. Subject to the Aggregate Limit the Each Com mon Cause Limit is the most we will pay for all injury sustained by one or more persons or or ganizations as the result of the selling serving or furnishing of any alcoholic beverage to 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 LIQUOR LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obliga tions under this Coverage Part 2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we are notified as soon as practicable of an injury which may result in a claim. To the extent possible no tice should include rent brother loyee as a raph 1a obligation to epay some lamages be bed in Para your other partners or Page 3 of 6 ISO Properties Inc. 2000 CG 00331001 001483 | 2 |
COMMERCIAL GENERAL LIABILITY 1 How when and where the injury took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim or suit as soon as practica ble. c. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of injury 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 in sured 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 settle ment means a settlement and release of liability 5. signed by us the insured and the claimant or the claimant s legal representative. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Cov erage Part our obligations are limited as follows a. Primary Insurance 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 contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contrib ute by limits. Under this method each in surer s share is based on the ratio of its appli cable limit of insurance to the total applicable limits of insurance of all insurers. Premium Audit a. We will compute all premiums for this Cover age Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will com pute the eamed premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premi ums is the date shown as the due date on the bill. If the sum of the advance and audit pre miums 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 compu tation and send us copies at such times as we may request. Representations By accepting this policy you agree a. The statements in the Declarations are accu rate and complete Page 4 of 6 ISO Properties Inc. 2000 CG 00331001 | 2 |
COMMERCIAL GENERAL LIABILITY b. Those statements are based upon represen tations 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 Oth ers To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 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 expi ration date. If notice is mailed proof of mailing will be suffi cient proof of notice. SECTION V DEFINITIONS 1. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time 2. 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 occurs in the course of travel or transportation between any places included in a. above or c. All other parts of the world if the injury arises out of 1 Goods or products made or sold by you in the territory described in a. above or 2 The activities of a person whose home is in the territory described in a. above but is away for a short time on your business provided the insured s responsibility to pay damages is determined in a suit on the mer its in the temritory described in a. above or in a settlement we agree to. Employee includes a leased worker. Em ployee does not include a temporary worker. Executive Officer means a person holding any of the officer positions created by your charter constitution by laws or any other similar govern ing document. Injury means all damages including damages because of bodily injury and property damage and including damages for care loss of services or loss of support. Leased worker means a person leased to you by a labor leasing firn under an agreement be tween you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 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 occur rence that caused it. Suit means a civil proceeding in which damages because of injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such dam ages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. unaer this Coverage sferred to us. The in r loss to impair them. ed will bring suit or and help us enforce his Coverage Part we first Named Insured written notice of the days before the expi f mailing will be suffi AP T CG 00331001 001484 ISO Properties Inc. 2000 Page 5 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY 10. 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 busi ness or assets you have acquired and 2 Containers other than vehicles materi als parts or equipment fumished in con nection with such goods or products. Includes 1 Warranties or representations made at any time with respect to the fitness qual ity durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. Does not include vending machines or other property rented to or located for the use of others but not sold. Page 6 of 6 ISO Properties Inc. 2000 CG 00331001 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES LIQUOR LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following LIQUOR LIABILITY COVERAGE PART A. Paragraph 1. Insuring Agreement of Section is replaced by the following Insuring Agreement 1. a. We will pay those sums that the insured becomes legally obligated to pay as damages because of injury to which this insurance applies if liability for such in jury is imposed on the insured by reason of the selling serving or furnishing of any alcoholic beverage. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are ground less false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for injury to which this insurance does not apply. We may at our discretion investi gate any injury and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section i 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. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments. This insurance applies to injury only if 1 The injury occurs during the policy period in the coverage territory and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no em ployee authorized by you to give or receive notice of an injury or claim knew that the injury had occurred in whole or in part. If such a listed in sured or authorized employee 2 knew prior to the policy period the injury occurred then any tinuation change or resumptior such injury during or after the pc period will be deemed to have b known prior to the policy period. c. Injury which occurs during the policy riod and was not prior to the policy riod known to have occurred by any sured listed under Paragraph 1. of tion 1l Who Is An Insured or any ployee authorized by you to give or ceive notice of an injury or claim cludes any continuation change or sumption of that injury after the en the policy period. d. Injury will be deemed to have b known to have occurred at the ear time when any insured listed under P graph 1. of Section Il Who Is An Inst or any employee authorized by yol give or receive notice of an injury claim 1 Reports all or any part of the inj to us or any other insurer 2 Receives a written or verbal dem or claim for damages because of injury or 3 Becomes aware by any other me that injury has occurred or has gun to occur. B. The following is added as Paragraph e. to Du In The Event Of Injury Claim Or Suit ur Paragraph 2. of Section IV Liquor Liab Conditions 2. Duties In The Event Of Injury Claim Suit e. Notice given by or on behalf of the sured or written notice by or on beha the injured person or any other claim to any agent of ours in New York St with particulars sufficient to identify knew prior to the policy period that the injury occurred then any con tinuation change or resumption of such injury during or after the policy period will be deemed to have been known prior to the policy period. Injury which occurs during the policy pe riod and was not prior to the policy pe riod known to have occurred by any in sured listed under Paragraph 1. of Sec tion Il Who Is An Insured or any em ployee authorized by you to give or re ceive notice of an injury or claim in cludes any continuation change or re sumption of that injury after the end of the policy period. Injury will be deemed to have been known to have occurred at the earliest time when any insured listed under Para graph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an injury or claim 1 Reports all or any part of the injury to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the injury or 3 Becomes aware by any other means that injury has occurred or has be gun to occur. B. The following is added as Paragraph e. to Duties In The Event Of Injury Claim Or Suit under Paragraph 2. of Section IV Liquor Liability Conditions 2. Duties In The Event Of Injury Claim Or Suit e. Notice given by or on behalf of the in sured or written notice by or on hehalf of the injured person or any other claimant to any agent of ours in New York State with particulars sufficient to identify the i 0 0 0 A O Insurance Services Office Inc. 2008 CG 26 03 04 09 01458 Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY insured shall be considered to be notice to us. C. Paragraph 3. of Section IV Liquor Liability Conditions is replaced by the following 3. Legal Action Against Us a. Except as provided in Paragraph b. no person or organization has a right under this Coverage Part 1 To join us as a party or otherwise bring us into a suit asking for dam ages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured 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 applica ble limit of insurance. An agreed settle ment means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal represen tative. With respect to injury claims related to bodily injury if we deny coverage or do not admit liability because an insured or the injured person someone acting for the injured person or other claimant fails to give us written notice as soon as prac ticable then the injured person someone acting for the injured person or other claimant may bring an action against us provided the sole question is whether the denial of coverage or nonadmission of li ability is based on the failure to provide timely notice. However the injured person someone acting for the injured person or other claimant may not bring an action if within 60 days after we deny coverage or do not admit liability we or an insured 1 Brings an action to declare the rights of the parties under the policy and 2 Names the injured person someone acting for the injured person or other claimant as a party to the action. D. The following provision is added and supersedes any provision to the contrary Failure to give notice to us as required under this Coverage Part shall not invalidate any claim made by the insured injured person or any other claimant unless the failure to provide such timely notice has prejudiced us. However no claim made by the insured injured person or other claimant will be invalidated if it shall be shown not to have been reasonably possible to give such timely notice and that notice was given as soon as was reasonably possible thereafter. Page 2 of 2 Insurance Services Office Inc. 2008 CG 26 03 04 09 | 2 |
COMMERCIAL GENERAL LIABILITY POLICY NUMBER TC2U GLSA1008A614 TIL13 ISSUE DATE11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONNECTICUT CHANGES LIQUOR LIABILITY This endorsement modifies insurance provided under the following LIQUOR LIABILITY COVERAGE FORM OCCURRENCE VERSION SCHEDULE Limits Of Insurance Each Person Limit 1000000 Each Common Cause Limit 1000000 Aggregate Limit 1000000 f no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. The Limits of Insurance shown in the Declarations are replaced by the limits shown in the schedule above. B. Section lil Limits Of Insurance is replaced by the following 1. The Limits of Insurance shown above and the rules below fix the most we will pay regard less of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Aggregate Limit is the most we will pay for all injury as the result of the selling serv ing or furnishing of alcoholic beverages. 3. Subject to the Aggregate Limit the Each Common Cause Limit is the most we will pay for all injury sustained by all persons or or ganizations as the result of the selling serv ing or furnishing of any alcoholic beverage to any one person 4. Subject to the Each Common Cause Limit the Each Person Limit is the most we will pay for all injury sustained by any one person or organization as the result of the selling serv ing or furnishing of any alcoholic beverage to any one person. The limits of this Coverage Part apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended 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. ganizations as the result of the selling serv ing or furnishing of any alcoholic beverage to any one person 4. Subject to the Each Common Cause Limit the Each Person Limit is the most we will pay for all injury sustained by any one person or organization as the result of the selling serv ing or furnishing of any alcoholic beverage to any one person. The limits of this Coverage Part apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended 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. I Page 1 of 1 CGF7121111 oo14ze 2011 The Travelers Indemnity Company. All ights reserved. Includes copyrighted material of Insurance Services Office Inc. with ts permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance under the following LIQUOR LIABILITY COVERAGE PART The foliowing Condition is added to LIQUOR LIABILITY CONDITIONS Section IV Transfer of Duties When a Limit of Insurance Is Used Up. a. If we conclude that based on injuries claims or suits which have been reported to us and to which this insurance may apply the Aggregate Limit or the Each Common Cause Limit is likely to be used up in the payment of judgments or settlements we will notify the first Named In sured In writing to that effect. b. When a limit of insurance described in para graph a. above has actually been used up in the payment of judgments or settlements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking dam ages subject to that limit has also ended. We will initiate and cooperate in the transfer of control to any appropriate insured of all claims and suits seeking damages which are subject to that limit and which are re ported to us before that limit is used up. That insured must cooperate in the transfer of control of said claims and suits. We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. 2 d. We will take no action whatsoever with re spect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is reported to us after that limit of insurance has been used up. 3 The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the de fense of such suit within such time period as agreed to between the appropriate in sured and us. Absent any such agreement arrangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for expenses we Incur in taking those steps we deem appropriate in accordance with paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with paragraph a. above or 2 The date on which we sent notice in accord ance with paragraph b.1 above if we did not send notice In accordance with para graph a. above. The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be affected by our failure to comply with any of the provisions of this Condition. d. We will take no action whatsoever with re spect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is reported to us after that limit of insurance has been used up. 3 The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the de fense of such suit within such time period as agreed to between the appropriate in sured and us. Absent any such agreement arrangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for expenses we Incur in taking those steps we deem appropriate in accordance with paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with paragraph a. above or 2 The date on which we sent notice in accord ance with paragraph b.1 above if we did not send notice In accordance with para graph a. above. The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be affected by our failure to comply with any of the provisions of this Condition. CG 26351293 Copyright Insurance Services Office Inc. 1993 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WASHINGTON CHANGES db This endorsement modifies insurance provided under the following LIQUOR LIABILITY COVERAGE PART A. Exclusion c. of LIQUOR LIABILITY COVERAGE Section 1 applies only to injury to any em ployee of the insured whose employment is not subject to the Industrial Insurance Act of Wash ington Washington Revised Code Title 51. With respect to injury to employees of the insured whose employment is subject to the In dustrial Insurance Act of Washington exclusion c. is replaced with the following This insurance does not apply to 1 Bodily injury to 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 Any obligation to share damages with or re pay 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. B. Paragraphs 2.a.1a b and c of WHO IS AN INSURED Section 1I apply only to employees of the to the Wast With 1 emplc Act of c of place Howe sured l a t of the insured whose employment is not subject to the Industrial insurance Act of Washington Washington Revised Code Title 51. With respect to employees of the insured whose employment is subject to the Industrial Insurance Act of Washington paragraphs 2.a.1a b and c of WHO IS AN INSURED Section Il are re placed with the following However none of these employees is an in sured for 1 Injury a b 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 or to a coemployee while that coemployee is either in the course of his or her employment or performing duties related to the conduct of your busi ness 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 above or CG 28990196 001457 Copyright Insurance Services Office Inc. 1994 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES LOSS INFORMATION This endorsement modifies insurance provided under the following LIQUOR LIABILITY COVERAGE PART OCCURRENCE VERSION The following Condition is added to LIQUOR LIABILITY CONDITIONS Section IV 10. Your Right to Loss Information We will provide the first Named Insured shown in the Declarations the following loss information relating to this and any preceding general liability Coverage Part we have issued to you during the previous three years a. Alist or other record of each injury of which we were notified in accordance with para graph 2.a. of the Duties in the Event of Oc currence Claim or Suit Condition in this Section. We will include a brief description of the injury and information on whether any claim arising out of the injury is open or closed. b. A summary by policy year of payments made and amounts reserved stated separ ately under any applicable Aggregate Limit of Insurance. Amounts reserved are based on our judgment. They are subject to change and should not be regarded as ultimate settlement values. You must not disclose this information to any claimant or any claimant s representative without our consent. We will provide this information only if we receive a written request from the first Named Insured during the policy period. We will provide this information within 45 days of receipt of the request. We compile claim and injury information for our own business purposes and exercise reasonable care in doing so. In providing this information to the first Named Insured we make no representations or warranties to Insureds insurers or others to whom this information is furnished by or on behalif of any insured. CG 29 8503 91 Copyright Insurance Services Office Inc. 1990 Page 1 of 1 | 2 |
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