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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WYOMING CHANGES LIQUOR LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following ELECTRONIC DATA LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The following is added to Paragraph 1.a.2 of Coverage Section I The tender of the limits of insurance before judgment or settlement does not relieve us of our duty to defend.. The following is added as the final full paragraph of Paragraph 1. Insuring Agreement Of Cover age Section I Damages include prejudgment interest awarded against the insured.. References to prejudgment interest in the Sup plementary Payments section of Coverage Section 1 are deleted. O A OO 0O A 3 v CG 29891204 001458 1SO Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PUERTO RICO CHANGES LIQUOR 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 injury 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 respon sibility 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 documents were sent as soon as reasonably possible.. Paragraph 3. LEGAL ACTION AGAINST US Section IV Liquor Liability Conditions ap plicable to any coverage afforded with respect to injuries in Puerto Rico is replaced by the follow ing 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. This endorsement modifies insurance provided under the following 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. We will mail 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. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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. Proof of mailing will be sufficient proof of notice. CG 29941093 Copyright Insurance Services Office Inc. 1992 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 LIQUOR 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 5. of Supplementary Payments un der Section I Liquor Liability Coverage is re placed by the following 5. Prejudgment interest awarded against the in sured on that part of the judgment we pay. C. The Bankruptcy Condition under Section IV Liquor Liability Conditions is replaced by the fol lowing 1. Bankruptcy Bankruptoy insolvency or dissolution of the insured or of the insured s estate will not re lieve us of our obligations under this Cover age Part and in case an execution against the insured on a final judgment is returned unsatisfied then such judgment creditor shall have a right of action on this Coverage Part against the company to the same extent that the insured would have had the insured paid the final judgment. D. The Transfer Of Rights Of Recovery Against Others To Us Condition under Section IV Lig uor Liability Conditions is amended by the addi tion of the following Our rights do not apply against any person or or ganization insured under this or any other Cover age Part we issue with respect to the same event which results in injury. N NN CG 29 97 02 07 001459 I1SO Properties Inc. 2006 Page 1 of 1 | 2 |
POLICY NUMBER TC2JU GLSA1009A614 TIL13 COMMERCIAL GENERAL LIABILITY ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIQUOR LIABILITY ENDORSEMENT IOWA This endorsement modifies insurance provided under the following LIQUOR LIABILITY COVERAGE FORM A. SCHEDULE Aggregate Limit Each Common Cause Limit Each Common Cause Loss Of Support Limit Per Person Limit LIMITS OF INSURANCE Not Applic. 1000000 1000000 1000000 If no entry appears above information required to complete this endorsement will be shown in the Declara tions as applicable to this endorsement. B. PROVISIONS The LIMITS OF INSURANCE appearing in the Declarations are changed to read as stated in the Schedule above. SECTION II LIMITS OF INSURANCE is deleted and replaced by the following SECTION Il LIMITS OF INSURANCE 1. 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the num ber of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. The Aggregate Limit is the most we will pay for all injury as the result of the selling serving or furnishing of alcoholic beverages. The Aggregate Limit applies separately to each location from which the insured sells serves or furnishes alcoholic beverages. Subject to the Aggregate Limit the Each Common Cause Limit is the most we will pay for all injury except for loss of sup port sustained by all persons and or ganizations as the result of selling serv ing or furnishing of any alcoholic beverage to any one person. 4. Subject to the Aggregate Limit the Each Common Cause Loss of Support Limit is the most we will pay for all injury for loss of support sustained by all persons and organizations as the result of the selling serving or furnishing of any al coholic beverage to any one person. 5. Subject to 3. above the Per Person Limit is the most we will pay for all injury except for loss of support sustained by any one person as the result of selling serving or furnishing any alcoholic beverage to any one person. The limits of this Coverage Part apply separately to each consecutive annual period and to any remalning 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. CG T9 28 07 86 Page 1 of 1 | 2 |
MULTIPLE SUBLINE ENDORSEMENTS TR i Ui Ml Il 6 v nan nan nan nan 1480.0 | 2 |
MULTIPLE SUBLINE ENDORSEMENTS | 2 |
COMMERCIAL GENERAL LIABILITY POLICY NUMBER TC2J GLSA1009A614 TIL13 ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM OTHER COVERAGES AS AGREED TO BY YOU AND US SECTION Il LIMIT OF INSURANCE under the Commercial General Liability Coverage Form and Liquor Liability Coverage Form and SECTION I LIMIT OF INSURANCE and SECTION IV DEDUCTI BLE under the Employee Benefits Liability Coverage Form are amended to include the following provisions 1. Our obligation to pay damages and Allocated Loss Adjustment Expense as well as Medical Payments under Coverage C medical ex penses and limited covered pollution costs if applicable under Coverage D under this policy on behalf of the insured applies only to the amount of damages and Allocated Loss Adjust ment Expense as well as medical expenses and limited covered pollution costs which are in ex cess of the Deductible Amount stated in ltem 1. of the Schedule 2. The Deductible Amount stated in ltem 1. of the Schedule applies to all damages andor Allo cated Loss Adjustment Expense limited cov ered pollution costs and medical expenses i curred as the result of any one occurrence CGL Coverage A or offense CGL Coverage B or employee EBL or each common cause Liquor Liability applicable only to those cover ages which are contained in the body of the policy and listed on the Declarations Page or added to the policy by endorsement. 3. The terms of the policy including those with re spect to a. our right and duty with respect to the defense of suits and b. your duties in the event of an occurrence offense act error or omission injury claim or suit as applicable apply irrespective of the application of the De ductible Amount. 4. a. We may pay any part or all of the Deductible Amount to effect payment of any claim or suit and you shall reimburse us from your own funds for such part of the Deductible Amount as we have paid regardless of any contributions toward payment of any claim or suit made by other insurers or any other en tity and regardless of any deductibles owed or paid by you to other insurers for the same occurrence offense employee each com mon cause claim or suit to the extent the coverages to which these terms apply are contained in the body of the policy and listed on the Declarations Page or added to the policy by endorsement. b. Only payments made by you will satisfy your obligation to reimburse us for payments we make within your deductible layer. Your obli gation to reimburse us for such payments made by us is not satisfied by contributions made toward payment of any claim or suit or any Allocated Loss Adjustment Expense incurred by other insurers or any other entity. Allocated Loss Adjustment Expenses or ALAEs means our costs which can be directly allocated to a particular claim or suit listed as follows a. Fees of attorneys or other authorized repre sentatives where permitted for legal services whether by outside or staff representatives. b. Court Alternate Dispute Resolution and other specific items of expense whether in curred by an outside vendor or by one of our employees including but not limited to 1 Medical examinations of a claimant to de termine the extent of injury degree of permanency or length of disability 2 Expert medical or other testimony 3 Autopsy 4 Witnesses and summonses 5 Copies of documents such as birth and death certificates and medical treatment records 6 Arbitration fees CG D3 55 09 05 Rev. 2 09 cordst Page 1 of 4 2005 The St. Paul Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 7 Fees or costs for surveillance or other professional investigations which are conducted as part of handling of a claim or suit Fees or costs for loss prevention and en gineering personnel and fees or costs for rehabilitation nurses or other nurses for services which are conducted as part of handling of a claim or suit 9 Appeal bond costs and appeal filing fees. c. Al Supplementary Payments as described and included in the applicable Coverage Form or Coverage Part. The following shall not be included as Allocated Loss Adjustment Expenses a. Salaries overhead and traveling expenses of our employees except for employees while doing activities previously listed as allocated expenses. b. Fees paid to independent claims profession als or attorneys hired to perform the function of claim investigation normally performed by claim adjusters for developing and investi gating a claim so that a determination can be made of the cause extent or responsibility for the injury disease or damage including evaluation and settiement of covered claims. The applicable limits of insurance including ag gregates shall be reduced by the amount of any damages or medical expenses or limited covered poliution costs if applicable within the Deducti ble Amount. The applicable limits of insurance including aggregates shall not be reduced by the amount of any ALAE within the Deductible Amount. The Transfer Of Rights Of Recovery Against Oth ers To Us Condition is amended by adding the following Any recoveries hereunder shall be applied in the following order a. any interest including the Insured that may have paid any amount with respect to liability in excess of the limit of our liability hereunder 8 us for the amount paid hereunder c. all other interests including the Insured with respect to the residue if any. When we have elected to participate in the exer cise of the insured s right of recovery reasonable 10. 1. expenses resulting therefrom shall be appor tioned among all interests in the ratio of their re spective recoveries. The Aggregate Deductible Limit stated in Item 2. of the Schedule is the most you must reimburse us for the sum of all damages and ALAE and medical expenses and limited covered pollution costs if applicable within the Deductible Amount pursuant to the option selected by you and so specified in that part of the Schedule. The Aggregate Deductible Limit will not be reduced if this endorsement is issued for a term of less than 1 year or if the policy or this endorsement is cancelled for any reason by you or us before the end of the policy period. The Aggregate Deducti ble Limit may be stated as a negotiated rate of fi nal audited payroll or other exposure base or as a percentage of standard premium if so specified in ltem 2. of the Schedule subject to a negotiated minimum Aggregate Deductible Limit. You shall reimburse us for the expenses stated in Item 3. of the Schedule pursuant to the options selected by you and so specified in that part of the Schedule. These expenses are not subject to and are in addition to the Aggregate Deductible Limit Item 2. of the Schedule or the Maximum Loss Content item 4. of the Schedule which ever is applicable. As an alternative to an Aggregate Deductible Limit for coverages contained in the body of the policy and listed on the Declarations Page or added to the policy by endorsement you may agree to a multiple line multiple policy Maximum Loss Con tent. Under this arrangement the maximum amount of payments including or excluding ALAE depending on the option selected by you for any reimbursement within a deductible loss limit or retained limit for any policy listed in item 4. of the Schedule shall be limited to the amount so specified as the Maximum Loss Content in the Schedule. The Maximum Loss Content may be stated as a negotiated rate of final audited payroll or other exposure base or as a percentage of standard premium if so specified in ltem 4. of the Schedule subject to a negotiated minimum Maximum Loss Content. If you fail to reimburse us for any amounts as re quired by this endorsement or if you fail to pro vide security in a form and amount acceptable to us we may cancel this policy in accordance with the cancellation conditions as permitted by law. Page 2 of 4 CG D3 55 09 05 Rev. 2 09 2005 The St. Paul Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY SCHEDULE 1. Deductible Amount for all coverages is 100000 Each Occurrence Commercial General Li ability CGLCoverage A or Offense CGL Coverage B or medical expenses CGL Coverage C or lim ited covered pollution costs CGL Coverage D or Employee EBL or Each Common Cause Liquor Liabil ity applicable only to those coverages which are contained in the body of the policy and listed on the Decla rations Page or added to the policy by endorsement. The Deductible Amount applies option that applies is indicated by x a. O b. O c. X d. To combined damages limited covered pollution costs if applicable ALAE and medical ex penses or To combined damages limited covered pollution costs if applicable and medical expenses separately to ALAE or To damages limited covered pollution costs if applicable and medical expenses only. You will reimburse us for the total amount of ALAE if the amount of damages limited covered pollution costs if applicable and medical expenses is equal to or less than the Deductible Amount. If the amount of damages limited covered pollution costs if applicable and medical expenses is greater than the Deductible Amount the ALAE amount which will be reimbursable by you will be a proportionate share calculated by dividing the Deductible Amount by the amount of total dam ages limited covered pollution costs if applicable and medical expenses payable under the Policy and then multiplying the ALAE amount by that percentage or To damages limited covered pollution costs if applicable and medical expenses only with ALAE reimbursed by you for the total amount of ALAE regardless of the Deductible Amount. 2. Aggregate Deductible Limit It is adjusted based on option that applies is indicated by x a. c. X Negotiated rate of per enter rate enter exposure base But in no event less than. or dollar amount Negotiated percentage of Standard Premium enter percentage of Standard Premium But in no event less than or dollar amount No Aggregate Deductible Limit applies. 3. Claims Handling and other associated expenses a. Claim Handling is options that apply are indicated by x i. 0 reimbursed by you as a percentage charge for each claim percentage charge reimbursed by you as a flat charge for each claim flat charge per claim 750 for Products and 750 for Other Than Products reimbursed by you as a flat charge against the policy flat charge or reimbursed by you as a flat charge for each claim flat charge per claim 750 for Products and 750 for Other Than Products reimbursed by you as a flat charge against the policy flat charge or CG D3 55 09 05 Rev. 2 09 oo1482 Page 3 of 4 2005 The St. Paui Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY b. Charges other than Claim Handling are option that applies is indicated by x reimbursed by you at a rate of 0.0384 times exposure base of Audited Total WC Payroll Excluding Monopolistic States Payroll per 100 or ii. J reimbursed by you as a flat charge of against the policy. 4. Maximum Loss Content Applicable only if 2.c. of this Schedule is selected option that applies is indicated by a. 0 Negotiated rate of per enter rate enter exposure base But in no event less than. or dollar amount Negotiated percentage of Standard Premium enter percentage of Standard Premium But in no event less than. dollar amount Schedule of Policy Numbers for which the Maximum Loss Content is applicable No Maximum Loss Content Applies This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. CG D3 55 09 05 Rev. 2 09 Page 4 of 4 2005 The St. Paul Travelers Companies inc. | 2 |
COMMERCIAL GENERAL LIABILITY POLICY NUMBER TC2J GLSA1009A614TIL13 ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE ENDORSEMENT CALIFORNIA This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM OTHER COVERAGES AS AGREED TO BY YOU AND US SECTION Il LIMIT OF INSURANCE under the Commercial General Liability Coverage Form and Liquor Liability Coverage Form and SECTION il LIMIT OF INSURANCE and SECTION IV DEDUCTI BLE under the Employee Benefits Liability Coverage Form are amended to include the following provisions Amount as we have paid regardless of any contributions toward payment of any claim or suit made by other insurers or any other en tity and regardless of any deductibles owed or paid by you to other insurers for the same occurrence offense employee each com 1. Our obligation to pay damages and Allocated mon cause claim or suit to the extent the Loss Adjustment Expense as well as Medical coverageso which these terms apply are Payments under Coverage C medical ex contained in thebody of the policy and listed penses and limited covered pollution costs if on the Declarations Page or added to the applicable under Coverage D under this policy policy by endorsement. on behalf of the insured applies only to the b. Only payments made by you will satisfy your amount of damages and Allocated Loss Adjust obligation to reimburse us for payments we ment Expense as well as medical expenses and make within your deductible layer. Your obli limited covered pollution costs which are in ex gation to reimburse us for such payments cess of the Deductible Amount stated in Item 1. of made by us is not satisfied by contributions the Schedule. made toward payment of any claim or suit 2. The Deductible Amount stated in ltem 1. of the or any Allocated Loss Adjustment Expense Schedule applies to all damages andor Allo incurred by other insurers or any other entity. cated Loss Adjustment Expense limited cov Allocated Loss Adjustment Expenses or ered pollution costs and medical expenses i ALAEs means our costs which can be directly curred as the result of any one occurrence allocated to a particular claim or suit listed as CGL Coverage A or offense CGL Coverage follows B or employee EBL or each common cause a. Fees of attomneys or other authorized repre Liquor Liability applicable only to those cover sentatives where permitted for legal services ageswhlch are contained in the body of the policy whether by outside or staff representatives. and listed on the Declarations Page or added to B. the policy by endorsement. b. Curt Allefmats Dlsute Resolufop and 3. The terms of the policy including those with re other specific ftems of expense whether in spect to a. our right and duty with respect to the defense of suits and b. your duties in the event of an occurrence offense act error or omission injury claim or suit as applicable apply irrespective of the application of the De ductible Amount. 4. a. We will pay any part or all of the Deductible Amount to effect payment of any claim or suit and you shall reimburse us from your own funds for such part of the Deductible curred by an outside vendor or by one of our employees including but not limited to 1 Medical examinations of a claimant to de termine the extent of injury degree of permanency or length of disability 2 Expert medical or other testimony 3 Autopsy 4 Witnesses and summonses 5 Copies of documents such as birth and death certificates and medical treatment records 6 Arbitration fees CG F4 15 11 05 Rev. 2 09 001463 Page 1 0of 4 2005 The St. Paul Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY 7 Fees or costs for surveillance or other professional investigations which are conducted as part of handling of a claim or suit Fees or costs for loss prevention and en gineering personnel and fees or costs for rehabilitation nurses or other nurses for services which are conducted as part of handling of a claim or suit 9 Appeal bond costs and appeal filing fees. c. All Supplementary Payments as described and included in the applicable Coverage Form or Coverage Part. The following shall not be included as Allocated Loss Adjustment Expenses a. Salaries overhead and traveling expenses of our employees except for employees while doing activities previously listed as allocated expenses. b. Fees paid to independent claims profession als or attorneys hired to perform the function of claim investigation normally performed by claim adjusters for developing and investi gating a claim so that a determination can be made of the cause extent or responsibility for the injury disease or damage including evaluation and settlement of covered claims. The applicable limits of insurance including ag gregates shall be reduced by the amount of any damages or medical expenses or limited covered pollution costs if applicable within the Deducti ble Amount. The applicable limits of insurance including aggregates shail not be reduced by the amount of any ALAE within the Deductible Amount. The Transfer Of Rights Of Recovery Against Oth ers To Us Condition is amended by adding the following Any recoveries hereunder shall be applied in the following order a. any interest including the Insured that may have paid any amount with respect to liability in excess of the limit of our liability hereunder b. us for the amount paid hereunder c. all other interests including the Insured with respect to the residue if any. When we have elected to participate in the exer cise of the insured s right of recovery reasonable 8 10. 1. expenses resulting therefrom shall be appor tioned among all interests in the ratio of their re spective recoveries. The Aggregate Deductible Limit stated in Item 2. of the Schedule is the most you must reimburse us for the sum of all damages and ALAE and medical expenses and limited covered pollution costs if applicable within the Deductible Amount pursuant to the option selected by you and so specified in that part of the Schedule. The Aggregate Deductible Limit will not be reduced if this endorsement is issued for a term of less than 1 year or if the policy or this endorsement is cancelled for any reason by you or us before the end of the policy period. The Aggregate Deducti ble Limit may be stated as a rate of final audited payroli or other exposure base or as a percentage of standard premium if so specified in Item 2. of the Schedule subject to a negotiated minimum Aggregate Deductible Limit. You shall reimburse us for the expenses stated in Item 3. of the Schedule pursuant to the options selected by you and so specified in that part of the Schedule. These expenses are not subject to and are in addition to the Aggregate Deductible Limit Item 2. of the Schedule or the Maximum Loss Content Item 4. of the Schedule which ever is applicable. As an alternative to an Aggregate Deductible Limit for coverages contained in the body of the policy and listed on the Declarations Page or added to the policy by endorsement you may agree to a multiple line multiple policy Maximum Loss Con tent. Under this arrangement the maximum amount of payments including or excluding ALAE depending on the option selected by you for any reimbursement within a deductible loss limit or retained limit for any policy listed in Iltem 4. of the Schedule shall be limited to the amount so specified as the Maximum Loss Content in the Schedule. The Maximum Loss Content may be stated as a rate of final audited payroll or other exposure base or as a percentage of standard premium if so specified in ltem 4. of the Sched ule subject to a negotiated minimum Maximum Loss Content. If you fail to reimburse us for any amounts as re quired by this endorsement or if you fail to pro vide security in a form and amount acceptable to us we may cancel this policy in accordance with the cancellation conditions as permitted by law. Page 2 of 4 CG F415 11 05 Rev. 2 09 2005 The St. Paul Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY SCHEDULE 1. Deductible Amount for ail coverages is 100000 Each Occurrence Commercial General Liabil ity CGLCoverage A or Offense CGL Coverage B or medical expenses CGL Coverage C or limited covered pollution costs CGL Coverage D or Employee EBL or Each Common Cause Liquor Liability applicable only to those coverages which are contained in the body of the policy and listed on the Declara tions Page or added to the policy by endorsement. The Deductible Amount applies option that applies is in dicated by x a. b. 2. Aggreg Itis adj a. To combined damages limited covered pollution costs if applicable ALAE and medical ex penses or To combined damages limited covered pollution costs if applicable and medical expenses separately to ALAE or To damages limited covered pollution costs if applicable and medical expenses only. You will reimburse us for the total amount of ALAE if the amount of damages limited covered pollution costs if applicable and medical expenses is equal to or less than the Deductible Amount. If the amount of damages limited covered pollution costs if applicable and medical expenses is greater than the Deductible Amount the ALAE amount which will be reimbursable by you will be a proportionate share calculated by dividing the Deductible Amount by the amount of total dam ages limited covered pollution costs if applicable and medical expenses payable under the Policy and then multiplying the ALAE amount by that percentage or To damages limited covered pollution costs if applicable and medical expenses only with ALAE reimbursed by you for the total amount of ALAE regardless of the Deductible Amount. ate Deductible Limit usted based on option that applies is indicated by x Rate of per enter rate a. L1 Rateol per enter rate enter exposure base But in no event less than or dollar amount b. J Percentage of Standard Premium enter percentage of Standard Premium But in no event less than or dollar amount c. K1 No Aggregate Deductible Limit applies. 3. Claims Handling and other associated expenses a. Claim Handling is options that apply are indicated by x i. 0 reimbursed by you as a percentage charge for each claim percentage charge i. XI reimbursed by you as a flat charge for each claim flat charge per claim 750 for Products and 750 for Other Than Products iii. reimbursed by you as a flat charge against the policy flat charge or X reimbursed by you as a flat charge for each claim flat charge per claim 750 for Products and 750 for Other Than Products iii. reimbursed by you as a flat charge against the policy flat charge or CG F4 15 11 05 Rev. 2 09 oot Page 3 of 4 2005 The St. Paul Travelers Companies Inc. | 2 |
COMMERCIAL GENERAL LIABILITY b. Charges other than Claim Handling are option that applies is indicated by x i. XKI reimbursed by you at a rate of 0.0384 times exposure base of Audited Total WC Payroll Excluding Monopolistic States Payroll per 100 or ii. 1 reimbursed by you as a flat charge of against the policy. 4. Maximum Loss Content Applicable only if 2.c. of this Schedule is selected option that applies is indicated by y a. J Rateof enter rate per enter exposure base But in no event less than or doliar amount b. Percentage of Standard Premium enter percentage of Standard Premium But in no event less than dollar amount Schedule of Policy Numbers for which the Maximum Loss Content is applicable No Maximum Loss Content Applies This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. CG F415 11 05 Rev. 2 09 2005 The St. Paul Travelers Companies Inc. Page 4 of 4 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION WHEN TWO OR MORE POLICIES APPLY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART Provisions 1. Injury damage or loss might be covered by this policy and also by other policies issued to you by us or any Travelers affiliate. When these other policies contain a provision similar to this one the amount we will pay is limited. The maximum that we will pay under all such policies combined is the highest limit that applies in any one of these policies. This does not apply to any personal liability policy or to any Umbrella Excess or Protective Liability Policy. 000 O A AR CGT3331103 001485 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAR LIABILITY EXCLUSION This endorsement modifies insurance provided under the following LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following exclusion is added This insurance does not apply to WAR Injury or damage however caused arising di rectly or indirectly out of a. War including undeclared or civil war or b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using mili tary personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these. CG 00641202 IS0 Properties Inc. 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES PREMIUM AUDIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph b. of the Premium Audit Condition 180 days after the expiration date of the pol Section IV is replaced by the following icy. But the audit may be waived if the total PREMIUM AUDIT annual premium attributable to the auditable exposure base is not reasonably expected to b. Premium shown in this Coverage Part as ad exceed 1500. If the sum of the advance and vance premium is a deposit premium only. At audit premiums paid for the policy term is the close of each audit period we will com greater than the earned premium we will re pute the eamned premium for that period and turn the excess to the first Named Insured. 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. An audit to determine the final premium due or to be refunded will be completed within B. Except as provided in Paragraph A. above the Examination Of Your Books And Records Common Policy Condition continues to apply. A0 0O O v CG 01041204 oo1468 IS0 Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WYOMING CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to Paragraph 1.a2 of Section Coverage A Bodily Injury And Property Damage Liability and Section Cov erage B Personal And Advertising Injury Li ability The tender of the limits of insurance before judg ment or settlement does not relieve us of our duty to defend.. The following is added as the final full paragraph of Paragraph 1. Insuring Agreement of Section Coverage A Bodily injury And Property Damage Liability and Section Coverage B Personal And Advertising Injury Liability Damages include prejudgment interest awarded against the insured. Paragraph 1.f. dealing with prejudgment interest in Section Supplementary Payments Cov erages A And B is deleted CG 0160 07 98 Copyright Insurance Services Office Inc. 1997 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The term spouse is replaced by the following Spouse or registered domestic partner under California law. o o CG 32340105 001467 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
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INTERLINE ENDORSEMENTS | 2 |
01488 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement applies to the insurance provided under the following COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE ELECTRONIC MANUFACTURERS AND COMPUTER SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PROVISIONS On December 26 2007 the President of the United States signed into law amendments to the Terrorism Risk Insurance Act of 2002 the Act which among other things extend the Act and expand its scope. The Act es tablishes a program under which the Federal Government may partially reimburse Insured Losses as defined in the Act caused by acts of terrorism. An act of terrorism is defined in Section 102l of the Act to mean any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attomey General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission and to have been commit ted by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. The Federal Government s share of compensation for Insured Losses is 85 of the amount of Insured Losses in excess of each Insurer s statutorily established deductible subject to the Program Trigger as defined in the Act. In no event however will the federal government or any Insurer be required to pay any portion of the amount of aggregate Insured Losses occurring in any one year that exceeds 100000000000 provided that such Insurer has met its deductible. If aggregate Insured Losses exceed 100000000000 in any one year your coverage may therefore be reduced. The charge for Insured Losses for each Coverage Part is included in the Coverage Part premium. The charge that has been included for each Coverage Part is indicated below and does not include any charge for the portion of losses covered by the Federal Government under the Act. 1 of each applicable Commercial Liability Coverage premium. ILT3680510 2010 The Travelers Indemnity Company Page 1 of 1 Page 1 of 1 2010 The Travelers Indemnity Company | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION ENVIRONMENTAL HAZARD POLICY EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM EXCESS FOLLOWING FORM LIABILITY INSURANCE MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM If aggregate insured losses attributable to terrorist acts certified under the federal Temorism Risk Insur ance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insur ance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursu ant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. ILT376 1010 Page 1 of 1 2010 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
POLICY NUMBER TC2J GLSA1009A614 TIL13 ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED ENTITY NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following ALL COVERAGE PARTS INCLUDED IN THIS POLICY SCHEDULE CANCELLATION Number of Days Notice of Cancellation 30 CANCELLATION co1470 PERSON OR ORGANIZATION Any person or organization to whom you have agreed in a written contract that notice of cancellation of this policy will be given but only if 1. You send us a written request to provide such notice including the name and address of such person or organization after the first Named Insured receives notice from us of the cancellation of this policy and 2. We receive such written request at least 14 days before the beginning of the applicable number of days shown in this Schedule. ADDRESS The address for that person or organization included in such written request from you to us PROVISIONS If we cancel this policy for any statutorily permitted reason other than nonpayment of premium and a number of days is shown for cancellation in the schedule above we will mail notice of cancellation to the person or organization shown in the schedule above. We will mail such notice to the address shown in the schedule above at least the number of days shown for cancellation in the schedule above before the effective date of cancellation. IL T4 0503 11 2011 The Travelers Indemnity Company. Al rights reserved. Page 1 of 1 Page 1 of 1 | 2 |
POLICY NUMBER TC2JGLSA1009A614 TIL13 ISSUE DATE 11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED ENTITY NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following ALL COVERAGE PARTS INCLUDED IN THIS POLICY SCHEDULE CANCELLATION Number of Days Notice of Cancellation 30 CANCELLATION PERSON OR ORGANIZATION California State Lottery ADDRESS Attn Nanette Manson 600 N. 10th Street Sacramento CA 95814 PROVISIONS If we cancel this policy for any statutorily permitted reason other than nonpayment of premium and a number of days is shown for cancellation in the schedule above we will mail notice of cancellation to the person or organization shown in the scheduie ILT40503 11 2011 The Travelers Indemnity Company. All rights reserved. above. We will mail such notice to the address shown in the schedule above at least the number of days shown for cancellation in the schedule above before the effective date of cancellation. Page 1 of 1 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. 2 Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. Under any Liability Coverage to bodily in jury or property damage resuiting from hazardous properties of nuclear matel if 1 The nuclear material a is at any clear facility owned by or operated b on behalf of an insured or b has b discharged or dispersed therefrom 2 The nuclear material is containec spent fuel or waste at any time sessed handled used proces stored transported or disposed of b on behalf of an insured or 3 The bodily injury or property damz arises out of the furnishing by an sured of services materials parts equipment in connection with the p ning construction maintenance op tion or use of any nuclear facility b such facility is located within the Un States of America its territories or sessions or Canada this exclusion applies only to property damage 1o s nuclear facility and any property ther As used in this endorsement Hazardous properties includes radioactive t or explosive properties. Nuclear material means source material cial nuclear material or by product material. Source material special nuclear material by product material have the meanings g them in the Atomic Energy Act of 1954 or in law amendatory thereof. Spent fuel means any fuel element or fuel ponent solid or liquid which has been usex exposed to radiation in a nuclear reactor. to bodily in nsured under d under a nu issued by Nu ance Associa Liability Un e Association LICCEsSOrs or any such pol on exhaustion us properties jith respect to rganization is sial protection nergy Act of ory thereof or this policy not tled to indem of America or ny agreement ed States of reof with any coverage to to bodily in us properties ng out of the by any person to bodily in esulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. 3 As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. ISO Properties Inc. 2007 Page 1 of 2 iL 00 21 09 08 001471 | 2 |
Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is lo cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation prem ises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage inciudes all forms of radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES CIVIL UNION VERMONT CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The term spouse is replaced by the following Spouse or party to a civil union under Vermont law. B. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person who is a resi dent of your household and is related to you by blood adoption including a ward or foster child marriage or civil union under Vermont law. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part or the Farm Umbrella Liability Policy the term family member is replaced by the following Family member means a person who is a resi dent of your household and is related to you by blood adoption including a ward or foster chiid marriage or civil union under Vermont law. DO A L. 01 0909 08 01472 ISO Properties Inc. 2007 Page 1 0f 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WYOMING CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The provisions of Paragraph B. are added to all Insuring Agreements that set forth a duty to de fend under 1. Section of the Commercial General Liability Commercial Liability Umbrella Employment Related Practices Liability Farm Liquor Li ability Owners And Contractors Protective Liability Pollution Liability Prod ucts Completed Operations Liability Product Withdrawal Professional Liability Railroad Protective Liability and Underground Storage Tank Coverage Parts and the Farm Umbrella Liability Policy 2. Paragraph A. in Section If Liability Cover age under the Business Auto Garage Motor Carrier and Truckers Coverage Forms 3. Section A Coverage under the Legal Liabil ity Coverage Form and 4. Coverage C Mortgageholder s Liability un der the Mortgageholder s Errors And Omis sions Coverage Form. Paragraph B. also applies to any other provision in the policy that sets forth a duty to defend. If we initially defend an insured insured or pay for an insured s insured s defense but later de termine that none of the claims for which we pro vided a defense or defense costs are covered under this insurance we have the right to reim bursement for the defense costs we have in curred. The right to reimbursement under this provision will only apply to the costs we have incurred after we notify you in writing that there may not be coverage and that we are reserving our rights to terminate the defense or the payment of defense costs and to seek reimbursement for defense costs. IL 01 14 09 08 IS0 Properties Inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEVADA CHANGES DOMESTIC PARTNERSHIP This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. All references to spouse shall include an individ dent of the individual s ual who is in a domestic partnership recognized ward or foster child under Nevada law. Coverage Broadenec B. Under the Commercial Auto Coverage Part the Individual Endorsemen term family member is replaced by the following C. With respect to coverage fi tenance or use of cover der the Commercial Liabil Part the term family mem Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or domestic partnership recognized following under Nevada law who is a resident of such N. Named Insured s household including a ward Family member means or foster child or by blood aclopion. marriag i. ship recognized under Nev 2. Individual named in the Schedule by biood dent of your household inc adoption marriage or domestic partnership child. recognized under Nevada law who is a resi dent of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Nevada law who is a resi dent of your household including a ward or foster child. IL 011501 10 001473 Insurance Services Office Inc. 2009 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES WORKERS COMPENSATION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. Forinsurance provided under the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment Related Practices Liability Coverage Part Liquor Liability Coverage Part Medical Professional Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pollution Liability Coverage Part Products Completed Operations Liability Coverage Part Railroad Protective Liability Coverage Part Underground Storage Tank Policy The following is added to the Workers Compen sation And Similar Laws Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compen sation statutes arising out of the failure of the in sured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. B. For insurance provided under the Commercial Automobile Coverage Part the following is added to the Workers Compensation Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Com pensation statutes arising out of the failure of the insured to exact from a contractor or subcon tractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has com plied with the applicable workers compensation insurance requirements. C. For insurance provided under the Farm Liability Coverage Form and Farm Umbrella Liability Pol icy the following is added to the Workers Com pensation Or Similar Law Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Com pensation statutes arising out of the failure of the insured to exact from a contractor or subcon tractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has com plied with the applicable workers compensation insurance requirements. IL011712 10 Insurance Services Office Inc. 2010 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES STATUTORY LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART In addition to paying and satisfying judicial judg ments rendered against you in consequence of claims to which this Coverage Part applies we will protect you against the levy of executions is sued on such judgments or claims against you.. We may without your consent continue litigation after a judgment has been rendered with respect to your legal liability under this Coverage Part for damages in a particular instance. In that event no limitation of our liability will be valid where the matter of that litigation is concerned.. Under Coverage Forms to which this endorse ment applies any legal action against us to re cover for loss under this Coverage Part must be brought within one year after amount of loss is fi nally established. The amount of loss can be es tablished only by 1. Judicial judgment or 2. An agreement between the parties involved with our written consent. In the event of your bankruptcy or insolvency an injured person or claimant who has obtained a judgment against you may bring suit against us provided 1. The judgment was for damages covered by this policy and 2. The suit is for damages in amounts no greater than the applicable Limits of Insur ance of this policy. E. Payment by you of any judicial judgment or claim for any of our liability under this Coverage Part will not deprive you of the right to bring action against us. For the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment Related Practices Liability Coverage Part Farm Coverage Part Farm Um brella Liability Policy Ligquor Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pollution Liability Coverage Part Products Completed Operations Liability Cover age Part Medical Professional Liability Coverage Part and Railroad Protective Liability Coverage Part the word you is replaced by the term the insured and the word your is replaced by the term the insured s. IL 01 26 09 08 001474 I1SO Properties Inc. 2007 Page 1 of 1 | 2 |
MANDATORY PREMIUM AND COVERAGE CONDITIONS ENDORSEMENT PUERTO RICO It is hereby understood and agreed that pursuant to the regulations approved by the Commissioner of Insurance of Puerto Rico this policy is amended according to the following conditions and stipulations 1. Policy Premium Paid in Full by You If the premium for this policy is to be paid by you in its entirety and is not subject to any form of financing as contemplated by this endorsement insurance coverage will be af forded only if the total premium is paid in full to and received by us or our authorized representative on or before the effective date shown on the declarations of this policy. Otherwise the policy will be effective on the date the total premium is paid in full to and received by us or our authorized representative and we will proceed as indicated in Section 10 of this endorsement. Policy Premium Subject to Our Deferred Payment Plan If we have available a deferred payment plan duly approved by the Commissioner of Insurance of Puerto Rico under which the premium for this policy will be paid insurance coverage will be afforded only if the initial or down payment under said payment plan is paid to and received by us or our authorized representative on or before the effective date shown on the declarations of this policy. Otherwise the policy will be effective on the date the initial or down payment is paid in full to and received by us or our authorized representative and we will proceed as indicated in Sec tion 10 of this endorsement. Policy Premium to be Financed as Part of a Financing or Leasing Transaction If the premium for this policy is being financed in its entirety and accordingly no initial or down payment is made by you in connec tion with the financing or leasing of property insurance coverage will be afforded as of the effective date shown on the declarations of this policy only if within thirty 30 days following the end of the month in which the policy is to be effective we receive from the bank or financing institution the corresponding total pre mium. In the event the payment from the bank or financing institution is not received by us or our authorized representative by the due date indicated above no insurance coverage will be afforded under this policy and the same will be void as of the date on which it should have become effective. Policy Premium to be Financed by a Financing Institution or by a Bank If the premium for this policy is financed through a financing institution or by a bank in a situation not covered by the preceding Section 3 this policy will be effective on the date the down payment of at least 20 of the total annual premium to be paid by you together with the corresponding premium finance contract duly executed are received by us or our authorized representative. In the event the financing institution or the bank does not make the total corresponding payment and said payment is not received by us or our authorized representative within the thirty 30 days following the incep tion date of the policy we will cancel the policy in accordance with the cancellation clause of this policy. Policy Premium to be Paid Under an Escrow Account If this policy is issued in connection with the financing or leasing of property and the premium for this policy is to be paid from funds proceeding from an escrow account insurance coverage will be afforded as of the effective date shown on the declarations of this policy only if within thirty 30 days following the end of the month in which the policy is to be effective we receive from the bank or financing institution the corresponding total premium. In the event the payment from the bank or financing institution is not received by us or our authorized representative by the due date indicated above no insurance coverage will be afforded under this policy and the same will be void as of the date on which it should have become effective. Policy Premium to be Paid Under an Escrow Account Condominium Policies Only If this policy is issued for a condominium and 25 or more of the premiums for this policy will be paid with funds originating from an escrow account insurance coverage will be granted on the effective date reflected in the declara tions of this policy only if we or our authorized representative have received the premiums thus deposited from the bank or financial institution within thirty 30 days following the last day of the month on which the policy is to enter into effect and if we have received from you the remaining premium within sixty 60 days following the effective date of the policy. IL 01 36 05 04 ISO Properties Inc. 2003 Page 1 of 3 | 2 |
If this policy is issued for a condominium and less than 25 of the premiums for this policy will be paid with funds originating from an escrow account insurance coverage will be granted on the effective date reflected in the declarations of this policy only if we or our authorized representative have received from you 25 of the total premium at the time this policy enters into effect and the remaining premium is received by us within sixty 60 days following the effective date of the policy. In the event full payment of the premium corresponding to this policy is not received by us or our authorized representative by the expiration dates indicated above insurance coverage under this policy will be can celled on the date in which the premiums paid are used up. We will send you a notice of cancellation in ac cordance with the cancellation clause of this policy indicating when this cancellation will be effective. 7. Policy Premium to be Partly Paid with Proceeds of Single Interest Insurance Cancellations If a portion of the total premium for this policy will be paid with the proceeds of the premium return resulting from the cancellation of a single interest policy or certificate this policy will be effective as of the date the greater of the following amounts is paid to and received by us or our authorized representative a. 20 of the annual premium corresponding to this policy or b. the difference between the total premium payable under this policy and the proceeds of the premium return resulting from the cancellation of the single interest policy or certificate. In the event said premium return is not received by us or our authorized representative within the sixty 60 days following the end of the month in which this policy became effective we will mail you a notice of can cellation in accordance with the cancellation clause of this policy to be effective on the date the premium paid by you is exhausted. 8. Endorsement Premium Endorsements issued after the inception date of this policy affording additional insurance and which result in an additional premium shall not be effective until the total additional premium due thereon is paid in full to and received by us or our authorized representative. This procedure will be followed if the premium for this policy has been paid in full by you or has been financed by the bank or fi N nancing institution. If the premium for this policy is subject to a deferred payment plan the aforesaid en iy dorsement shall not be effective until a down payment of the additional premium in accordance with such plan is paid to and received by us or our authorized representative and accordingly subsequent payments of the plan are amended to include the unpaid portion of the additional premium for the endorsement. 9. Premium Corrections Any additional premium due resulting from changes in rates classifications pre mium bases or any other adjustments as determined by us or the proper rating organization shall be paid in full within thirty 30 days from the date of billing of the corrective endorsement. If the payment corre sponding to this policy is subject to a deferred payment plan or a premium financing contract a down pay ment of the additional premium in accordance with such plan or financing contract shall be paid to and re ceived by us or our authorized representative within that same thirty 30 day period and accordingly subse quent payments of the plan will be amended to include the unpaid portion of the additional premium for the endorsement. Otherwise we shall mail to you a notice of cancellation in accordance with the cancellation clause of this policy using the sum of the original premium plus the premium of the corrective endorsement as the basis for the calculation of the amount of premium return due to you if any. 10. Late Payments If payment is received after the specified due date we will proceed as follows a. For new policies Sections 1 and 2 above we will issue a change of effective date of coverage notice stating 1 that the insurance afforded under the policy is effective as of the date of receipt of the applicable premium payment 2 the resulting amended inception and expiration dates of the policy which will be postponed by the same number of days that coverage was not afforded due to the late receipt of the premium pay ment and 3 the corresponding period of time during which coverage is not afforded under the policy. b. For premium correction endorsements Section 9 above we will issue subject to the applicable regula tions a limited reinstatement notice stating cora7s Page 2 of 3 ISO Properties Inc. 2003 IL 01 36 05 04 | 2 |
1. 12. 13. 1 that the insurance afforded by the policy will be reinstated as of the date of receipt of the applicable additional premium payment 2 the period for which coverage is not afforded and 3 the amount of premium return due to you if any. Cancellation of Policy Upon failure in the payment of any premium when due under a policy in force we must within the next twenty 20 days following the due date issue a notice of cancellation in accordance with the provisions of this policy. Definition of Authorized Representative Authorized representative for the purpose of this endorsement means a general agent an authorized policywriting agent or a person duly authorized in writing by us for premium collection purposes. This mandatory endorsement supersedes any other conditions to this effect in the policy to which it is attached. IL 01 36 05 04 ISO Properties Inc. 2003 Page 3 of 3 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONNECTICUT CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART A. The term spouse is replaced by the following Spouse or party to a civil union recognized under Connecticut law. B. Under the Commercial Auto Coverage Part the term family member is replaced by the following under Connecticut law the individual s househ foster child if the Drive Broadened Coverage Endorsement is attach C. With respect to coverage f Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or civil union recognized under Connecticut law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized tenance or use of cover der the Commercial Liabil Part or Farm Umbrella Li family member is replace Family member means by blood adoption marria nized under Connecticut I2 your household including under Connecticut law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part or Farm Umbrella Liability Policy the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recog nized under Connecticut law who is a resident of your household including a ward or foster child. IL 01 40 09 08 001478 ISO Properties inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under New Jersey law. B. Under the Commercial Auto Coverage Part the term family member is replaced by the following under New Jersey lav the individual s househ foster child if the Drive Broadened Coverage Endorsement is attach C. With respect to coverage f Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or civil union recognized under New Jersey law who is a resident of such Named Insured s household including a ward or fos ter child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized tenance or use of cover der the Commercial Liabi Part the term family men following Family member means 2 by biood adoption marria nized under New Jersey le your household including under New Jersey law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by biood adoption marriage or civil union recog nized under New Jersey law who is a resident of your household including a ward or foster child. IL 01 41 09 08 Insurance Services Office Inc. 2008 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OREGON CHANGES DOMESTIC PARTNERSHIP This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following dent of the individual s Spouse or individual who is in a domestic part ward or foster child nership recognized under Oregon law. Coverage Broadene. Individual Endorsemer B. Under the Commercial Auto Coverage Part the term family member is replaced by the following C. With respect to coverage f tenance or use of cover der the Commercial Liabij 1. Individual Named Insured by blood adoption Part the term family merr marriage or domestic partnership recognized following under Oregon law who is a resident of such Named Insured s household including a ward by blood adoption marria or foster child or ship recognized under Ore 2. Individual named in the Schedule by blood dent of your household in adoption marriage or domestic partnership child. recognized under Oregon law who is a resi Family member means a person related to the Family member means dent of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Oregon law who is a resi dent of your household including a ward or foster child. IL 01 42 09 08 001477 1SO Properties Inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES CIVIL UNION This endorsement modifies insurance provided under the following A COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The term spouse is replaced by the following Spouse or party to a civil union recognized under inois law.. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or civil union recognized under ili nois law who is a resident of such Named In sured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized under lllinois law who is a resident of the in dividual s household including a ward or fos ter child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recog nized under lllinois law who is a resident of your household including a ward or foster child. M B IL 01 47 09 11 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELAWARE CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under Delaware law. Under the Commercial Automobile Coverage Part the term family member is replaced by the following and supersedes any other provisions to the contrary Family member means 1. A person related to the individual Named In sured by blood adoption marriage or civil un ion recognized under Delaware law who is a resident of such Named Insured s household including a ward or foster child 2. Members of your immediate family including a partner to a civil union recognized under Delaware law not having a separate house hold and persons actually residing with and economically dependent upon you if Dela ware Personal Injury Protection Endorsement is attached 3. A person related to the individual named in the Schedule by blood adoption marriage or civil union recognized under Delaware law who is a resident of the individual s house hold including a ward or foster child if the Drive Other Car Coverage Broadened Cov erage For Named Individuals endorsement is attached or 4. A person related to you by blood adoption marriage or civil union recognized under Delaware law who is a resident of your household including a ward or foster child if the Individual Named Insured endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the fol lowing Family member means a person related to you by blood adoption marriage or civil union recog nized under Delaware law who is a resident of your household including a ward or foster child ed by the following nion recognized under utomobile Coverage er is replaced by the ny other provisions to individual Named In 1 marriage or civil un IL 01510112 01478 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY Under the Mortgageholders Errors And Omissions Coverage Form the following condition applies only to Coverage C and Coverage D. The following condition is added Notice given by or on behalf of the insured to any of our authorized agents in Indiana with particulars suffi cient to identify the insured shall be considered to be notice to us. Page 1 of 1 IL 01 58 09 08 ISO Properties Inc. 2007 | 2 |
NS of 1 i THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The provisions of Paragraph B. are added to all 3. Section A. Coverage under the Legal Liability Insuring Agreements that set forth a duty to de Coverage Form and fend under 4. Coverage C Mortgageholder s Liability un 1. Section of the Commercial General Liability der the Mortgageholders Errors And Omis Commercial Liability Umbrella Employment sions Coverage Form. Related Practices Liability Farm Liquor Li B. If we initially defend an insured insured or pay ability Owners And Contractors Protective Liability Pollution Liability Prod ucts Completed Operations Liability Product Withdrawal Medical Professional Liability for an insured s insured s defense but later de termine that the claims is are not covered un der this insurance we will have the right to reim bursement for the defense costs we have in Railroad Protective Liability Underground curred. Storage Tank Coverage Parts and the Farm Umbrella Liability Policy The right to reimbursement for the defense costs under this provision will only apply to defense costs we have incurred after we notify you in writ ing that there may not be coverage and that we are reserving our rights to terminate the defense and seek reimbursement for defense costs. Section Il Liability Coverage in Paragraph A. Coverage under the Business Auto Ga rage Motor Carrier and Truckers Coverage Forms A Ll o I B 1L 01620908 001478 ISO Properties Inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA CHANGES EXAMINATION OF YOUR BOOKS AND RECORDS This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OQUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The Examination Of Your Books And Records Common Policy Condition is replaced by the follow ing EXAMINATION OF YOUR BOOKS AND RE CORDS 1. Except as provided in 2. below we may ex amine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. 2. Any audit conducted to determine the pre mium due or to be refunded must be com pleted within 180 days after a. The expiration date of the policy or b. The anniversary date if this is a continu ous policy or a policy written for a term longer than one year unless you agree in writing to extend the audit period. Page 1 of 1 1L 01 6509 08 ISO Properties Inc. 2007 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES CONFORMITY WITH STATUTES This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART A. The following Condition is added Conformity with Montana statutes. The provisions of this policy or Coverage Part conform to the minimum requirements of Montana law and con trol over any conflicting statutes of any state in which you reside on or after the effective date of this policy or Coverage Part However with respect to insurance provided un der the Commercial Automobile Coverage Part while a covered auto is away from Montana 1. We will increase the Limit of Insurance for Li ability Coverage to meet the limits specified by a compulsory or financial responsibility law of the jurisdiction where the covered auto is being used. This extension does not apply to the limit or limits specified by any law govern ing motor carriers of passengers or property. 2. We will provide the minimum amounts and types of other coverages such as no fault required of out of state vehicles by the juris diction where the covered auto is being used. 3. No one will be entitled to duplicate payments for the same elements of loss B. Any provision of this policy or Coverage Part in cluding endorsements which modify the policy or Coverage Part that does not conform to the minimum requirements of a Montana statute is amended to conform to such statute. IL 01 67 09 08 001480 ISO Propertties Inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES DUTIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added to the Duties Condition 2. Any settlement of a claim made or suit We will notify the first Named Insured in writing of 1. brought against the insured insured under N. this coverage. The notice will be given not An initial offer to settle a claim made or suit later than the 30th day after the date of the brought against any insured insured under settlement. this coverage. The notice will be given not later than the 10th day after the date on which the offer is made. IL 01680312 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition We will be entitled to recovery only after the insured insured has been fully compensated for the loss or dam age sustained including expenses incurred in obtaining full compensation for the loss or damage. gy 0 A OO0 0 O 3 IL 01 9909 08 001481 18O Properties Inc. 2007 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GEORGIA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph A.1. of the Cancellation Common Policy Condition is replaced by the following The first Named Insured shown in the Decla rations may cancel this policy by mailing or delivering to us advance written notice of cancellation stating a future date on which the policy is to be cancelled subject to the follow 1. ing a. If only the interest of the first Named In sured is affected the effective date of cancellation will be either the date we re ceive notice from the first Named Insured or the date specified in the notice which ever is later. However upon receiving a written notice of cancellation from the first Named Insured we may waive the re quirement that the notice state the future date of cancellation by confirming the date and time of cancellation in writing to the first Named Insured. If by statute regulation or contract this policy may not be cancelled unless notice is given to a governmental agency mort gagee or other third party we will mail or deliver at least 10 days notice to the first Named Insured and the third party as soon as practicable after receiving the first Named Insured s request for cancel lation. Our notice will state the effective date of cancellation which will be the later of the following 1 10 days from the date of mailing or delivering our notice or 2 The effective date of cancellation stated in the first Named Insured s notice to us. B. Paragraph A.5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund a. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata except as provided in. below. If the cancellation results from failure of the first Named Insured to pay when due any premium to us or any amount when due under a premium finance agree ment then the refund may be less than pro rata. Calculation of the return pre mium at less than pro rata represents a penalty charged on unearned premium. If the first Named Insured cancels the re fund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 1L 026209 08 ISO Properties Inc. 2007 Page 1 of 2 | 2 |
C. The following is added to the Cancellation Common Policy condition and supersedes any other provisions to the contrary If we decide to 1. Cancel or nonrenew this policy or 2. Increase current policy premium by more than 15 other than any increase due to change in risk exposure or experience modification or resulting from an audit of auditable cover ages or 3. Change any policy provision which would limit or restrict coverage Then We will mail or deliver notice of our action includ ing the dollar amount of any increase in renewal premium of more than 15 to the first Named Insured and lienholder if any at the last mailing address known to us. Except as applicable as de scribed in Paragraph D. below we will mail or de liver notice at least 1. 10 days before the effective date of cancella tion if this policy has been in effect less than 60 days or if we cancel for nonpayment of premium or 2. 45 days hefore the effective date of cancella tion if this policy has been in effect 60 or more days and we cancel for a reason other than nonpayment of premium or 3. 45 days before the expiration date of this pol icy if we decide to nonrenew increase the premium or limit or restrict coverage. D. The following provisions apply to insurance cover ing residential real property only provided under the Capital Assets Program Output Policy Coverage Part Commercial Property Coverage Part Farm Coverage Part If the named insured is a natural person. With respect to such insurance the following is added to the Cancellation Common Policy Con dition and supersedes any provisions to the con trary 1. When this policy has been in effect for 60 days or less and is not a renewal with us we may cancel for any reason by notifying the first Named Insured at least 10 days before the date cancellation takes effect. When this policy has been in effect for more than 60 days or at any time if it is a renewal with us we may cancel only for one or more of the following reasons a. Nonpayment of premium whether pay able to us or to our agent b. Upon discovery of fraud concealment of a material fact or material misrepresenta tion made by or with the knowledge of any person insured under this policy in obtaining this policy continuing this policy or presenting a claim under this policy c. Upon the occurrence of a change in the risk which substantially increases any hazard insured against or d. Upon the violation of any of the material terms or conditions of this policy by any person insured under this policy. We may cancel by providing notice to the first Named Insured at least 10 days before the effective date of can cellation if we cancel for nonpayment of premium or 45 days before the effective date of can cellation if we cancel for any of the rea sons listed in b. c. or d. above. Page 2 of 2 cotagz ISO Properties Inc. 2007 1L 026209 08 | 2 |
PENNSYLVANIA NOTICE An Insurance Company its agents employees or service contractors acting on its behalf may provide services to reduce the likelihood of injury death or loss. These services may include any of the following or related services incident to the application for issuance renewal or continuation of a policy of insurance 1. Surveys 2. Consultation or advice or 3. Inspections. The Insurance Consultation Services Exemption Act of Pennsylvania provides that the Insurance Com pany its agents employees or service contractors acting on its behalf is not liable for damages from injury death or loss occurring as a result of any act or omission by any person in the furnishing of or the failure to furnish these services. The Act does not apply 1. If the injury death or loss occurred during the actual performance of the services and was caused by the negligence of the Insurance Com pany its agents employees or service contrac tors 2. To consultation services required to be performed under a written service contract not related to a policy of insurance or 3. If any acts or omissions of the Insurance Com pany its agents employees or service contrac tors are judicially determined to constitute a crime actual malice or gross negligence. Instruction to Policy Writers Attach the Pennsylvania Notice to all new and renewal certificates insuring risks located in Pennsylvania. IL 09 10 07 02 ISO Properties Inc. 2001 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INSURANCE INSPECTION SERVICES EXEMPTION FROM LIABILITY THE FOLLOWING LIMITS OUR LIABILITY We the insurance company our agents employees or service contractors are not liable for damages from injury death or loss occurring as a result of any act or omission in the furnishing of or the failure to furnish insurance inspection services related to in connection with or incidental to the issuance or renewal of a pol icy of property or casualty insurance. This exemption from liability does not apply A. If the injury loss or death occurred during the actual performance of inspection services and was proximately caused by our negligence or by the negligence of our agents employees or serv ice contractors B. To any inspection services required to be per formed under the provisions of a written service contract or defined loss prevention program C. In any action against us our agents employees or service contractors for damages proximately caused by our acts or omissions which are deter mined to constitute a crime actual malice or gross negligence or D. If we fail to provide this written notice to the in sured whenever the policy is issued or when new policy forms are issued upon renewal. OO O I R IL09 130498 001483 Copyright Insurance Services Office Inc. 1997 Page 1 of 1 | 2 |
POLICY NUMBER TC2J GLSA1009A614 TIL13 ISSUE DATE11 15 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INSURER AMENDMENT ENDORSEMENT THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE COVERAGE PARTS INDICATED IN THE SCHEDULE BELOW. SCHEDULE This endorsement applies to the following Coverage Parts X All Coverage Parts forming a part of this policy The Coverage Parts shown below. State Insurer Coverage Parts if All is not applicable PR IND State PR If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. When indicated in the State column shall mean all other states. PROVISIONS The insuring company abbreviations shown in Item 4 of the Common Policy Declarations is are replaced with the abbreviations shown above for the respective states and Coverage Parts shown above. ILT3051299 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES This endorsement modifies the COMMON POLICY CONDITIONS PROVISIONS The following additional provision applies Unless otherwise provided by law we shall pay any amount finally agreed upon in settlement of all or part of a claim not later than 5 working days from the date of such agreement or from the date of the performance by the insured claimant or authorized representative of either of any condition set forth by such agreement. 0 O A O A L ILT9 110189 001484 Page 1 of 1 | 2 |
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POLICYHOLDER NOTICES | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. 0 00 OO 00O v PN T4 54 01 08 01488 Page 1 of 1 | 2 |
IMPORTANT NOTICE POLICYHOLDER INFORMATION ARKANSAS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. In the event you need to contact someone about this policy please contact your agent as shown on your policy or in the material accompanying the policy. If you need additional assistance you may contact us at the address listed bejow Travelers One Tower Square Hartford CT 06183 Telephone 1 800 328 2189 If you feel we have failed to provide you with reasonable and adequate service feel free to contact Arkansas Insurance Department 1200 West Third Street Little Rock Arkansas 72201 Telephone 501 371 2640 or 800 852 5494 PNT4711209 Page 1 of 1 | 2 |
IMPORTANT NOTICE COMPLAINTS ILLINOIS IMPORTANT NOTICE COMPLAINTS ILLINOIS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. If you are having problems you may contact your insurance agent directly or you may contact the company at Mail Consumer Affairs One Tower Square Hartford CT 06183 Phone 860 277 1561 or Email consumeraffairstravelers.com The address of the consumer complaint division of the lllinois Department of Insurance is lllinois Department of Insurance Consumer Division 320 W Washington St Springfield IL 62767 Complaints may also be filed electronically to the lllinois Department of Insurance at httpsinsurance.illinois.govapplicationsComplaintFormsdefault.aspx PN T5 68 07 12 001487 Page 1 of 1 2012 The Travelers Indemnity Company. All rights reserved. | 2 |
IMPORTANT NOTICE RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT ILLINOIS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. The lllinois Religious Freedom Protection and Civil Union Act provides that persons of the same or opposite sex who enter into a civil union must be afforded the same obligations protections and legal rights as married persons. This law became effective June 1 2011 and is designed to ensure that civil unions and marriage are treated identically under lllinois law. In accordance with law this policy will be interpreted to provide the same benefits and protections to persons in a civil union or in a marriage. Page 1 of 1 PN T9 110312 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
oot4z8 LOSS CONTROL SERVICES Notice to policy recipient If you are not the person directly responsible for the loss control activities for your company please direct this Loss Control notice to the person that is directly responsible for them SAFETY IS OUR CONCERN Thank you for purchasing your insurance from one of the writing companies owned or managed by The Travelers Companies Inc. We appreciate your busi ness and welcome the opportunity to be of service. An important part of that service concerns safety and accident prevention. Travelers Risk Control depart ment has the experience resources and capabilities to provide a range of safety services including site surveys phone consultations and a wealth of safety related materials. We have experience in a variety of industries some of which include manufacturing wholesale and retail businesses service organizations technology related business oil and gas based business and the public sector. Following are some examples of available loss control services Accident Prevention Our staff can help you identify present and pote hazards in your operations premises and equipment and recommend measures for reducing or eliminating these hazards Analysis of Accident Causes Although you inves tigate and keep records of accidents we are available to assist if needed. Safety Consultations Our Consultants can help you with special problems such as ergonomics and human factors. Industrial Hygiene Health Services We have the facilities and resources to answer your questions con cerning job related industrial hygiene health issues and to measure exposure to industrial hygiene haz ards. Safety Literature and Digital Media We can pro vide you with top notch safety related literature CDs DVDs and videos to assist in your loss control efforts. Also we can direct you to several vendors who are able to provide additional safety materials including brochures pamphiets and digital media. Safety Training We offer face to face classroom courses as well as distance learning programs that explore the risks our policyholders face and ways for them to control losses. Return To Work Coordination We can assist you with several aspects of the post injury management process. Internet Website Visit our Risk Control website for access to our safety newsletters and other safety lit erature at httpwww.travelers.comriskcontrol This website also has links to other safety related Internet sites. These services are available upon request. Please call us at 214 570 6682 for loss control assistance. Please do not call this number for questions regarding your policy or claims. For all other inquiries please contact your underwriter or agent. SAFETY IS YOUR CONCERN U.S. employers spend billions of dollars each year on the direct and indirect costs of work related accidents. Dollar figures ca nt begin to reflect the pain and suf fering of an injured worker and his or her family. But they do give some indication of the muitiple conse quences of a job related accident... loss of time inter rupted production damaged materials and equip ment the expense of retraining or replacing an injured worker possible legal action from government regula tory agencies and increased insurance costs. It makes good sense for both employers and their employees to actively participate in a sound accident prevention program. The success of such a program depends to a large extent on your commitment to safety procedures and accident prevention tech niques. Safety is a management concern. Maybe we can help. You may want to consider the following Safety Checkpoints as you evaluate your organization s safety activities SELF INSPECTION PROGRAM Do you conduct periodic surveys of premises.. equipment... operations PN T2 27 05 07 Do you analyze each job to find inherent hazards If you discover hazards do you follow up with im mediate corrective action Do you monitor such action to make sure it is im plemented and effective ACCIDENT INVESTIGATION Do you investigate each accident... determine the cause Do you take immediate steps to prevent a recur rence Do you keep records of accident investigations and follow up measures Do you complete accident statistics and analyze trends EDUCATION AND TRAINING Do you take the time to train each of your employ ees to perform tasks safely Do more experienced employees receive training to correct bad habits that have developed over time Do all employees understand that safety is an im portant part of their jobs Page 1 of 1 1o assist It needed. | 2 |
Policy Number ZAGLB9224901 WITCH ENTERPRISES INC. 467 SILVER STREET P O BOX 673 AGAWAM MA 01001 ATTACHED ARE DOCUMENTS FOR THE FOLLOWING NAMED INSURED WITCH ENTERPRISES INC. NEW ENGLAND CONCRETE CUTTING INC. 467 SILVER STREET P O BOX 673 AGAWAM MA 01001 02 02 18 Sy TRMITIMAL. A ysese sV s WITCH ENTERPRISES INC. 467 SILVER STREET P O BOX 673 AGAWAM MA 01001 ATTACHED ARE DOCUMENTS FOR THE FOLLOWING NAMED INSURED WITCH ENTERPRISES INC. NEW ENGLAND CONCRETE CUTTING INC. 467 SILVER STREET P O BOX 673 AGAWAM MA 01001 WITCH ENTERPRISES INC. 467 SILVER STREET P O BOX 673 AGAWAM MA 01001 ATTACHED ARE DOCUMENTS FOR THE FOLLOWING NAMED INSURED WITCH ENTERPRISES INC. NEW ENGLAND CONCRETE CUTTING INC. 467 SILVER STREET P O BOX 673 AGAWAM MA 01001 | 2 |
U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control OFAC administers and enforces sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous Foreign agents Front organizations Terrorists Terrorist organizations and Narcotics traffickers as Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpwww.treas.gov ofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. Includes copyright material of Insurance Services Office Inc. with its permission. Page 10f 1 00 ML0065 00 06 07 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PREMIUM COMPUTATION This endorsement modifies insurance provided as follows This endorsement applies to the lines of business indicated below X Commercial General Liability Business Auto Covered Autos Liability Business Auto Physical Damage Your premium will be computed as follows Audit Period 12312017 through 12312018 X Annual Semi annual Monthly Other If Commercial General Liability is indicated in Item 1 above the deposit premium set forth in the Declarations is adjustable and is only an estimated premium for the Audit Period shown in 2. above. The final earned premium for the Audit Period will be determined as specified in Condition 5. Premium Audit of SECTION IV COMMERCIAL GENERAL LIABLITY CONDITIONS. The Audit Premium will be computed by applying the Composite Rates against the Audited Exposure and Exposure Reporting Basis listed in the Premium Adjustment Table below. Such rates are prior to any applicable taxes licenses or fees. The final premium calculation is subject to the Minimum Earned Premium listed in 6. below. The deposit premium set forth in the Declarations includes premium for subcontractors hired by you. The rate charged for the subcontracted work will be listed in the Premium Adjustment Table below and will depend on whether or not the subcontractor shows evidence of an insurance program that contains a. Workers Compensation Employers Liability b. All coverages included in the general contractors General Liability policy and c. Limits of liability at least equal to the primary limit of the general contractor. If the subcontractors insurance meets our requirements the total cost of the subcontracted work will be applied to the rate shown in the Premium Adjustment Table for the appropriate Contractor Subcontracted Work classifications. If the subcontractors insurance does not meet our requirements premium will be based on the payroll portion of the total cost of the subcontracted work. If your records do not accurately reflect the payroll portion of the contract the entire cost of the contract may be deemed payroll. These subcontractors will be classified and rated as though they were your employees. Classifications used and rates charged will be shown in the Premium Adjustment Table below. If Business Auto Covered Autos Liability or Business Auto Physical Damage is indicated in Item 1. above the deposit premium set forth in the Declarations is adjustable and is only an estimated premium for the Audit Period shown in 2. above. The final earned premium for the Audit Period will be determined as specified in Condition 6. Premium Audit of SECTION IV BUSINESS AUTO CONDITIONS. The final premium will be computed by taking the number of autos at the beginning of the Audit Period adding the number of autos determined at the time of Audit and dividing by two to get an average number of autos. The average number of autos will then be applied against the Composite Rates listed in the Premium Adjustment Table below. Such rates are prior to any applicable surplus lines taxes licenses or fees. The final premium calculation is subject to the Minimum Earned Premium listed in 6. below. Information from a prior audit completed by us will be used as the number of autos at the beginning of the Audit Period if available. 00 ML0039 00 10 13 Page 1 of 2 | 2 |
If Business Auto Covered Autos Liability or Physical Damage is applicable you will not be required to report replacement autos or newly acquired autos within 30 days to us. Premium adjustments for these autos will be calculated as described above. 5. Premium Adjustment Table LOB Class Class Estimated Exposure Composite Estimated Code Description Exposure Reporting Basis Rate Premium CGL 70050 SERVICES 3477000 GL PAYROLL 4.930974 171450 PER 100 Additional Notes 6. Minimum Earned Premiums Commercial General Liability Business Auto Covered Auto Liability Business Auto Physical Damage All other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 12312017 00 ML0039 00 10 13 Page 2 of 2 | 2 |
2 Arch Insurance Group Massachusetts Signature Page IN WITNESS WHEREOF Arch Insurance Company has caused this policy to be executed and attested. Vo lnot 4 C0n Patrick K. Nails Secretary Vit John Mentz President 05 ML0002 22 06 13 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KNOWLEDGE OF OCCURRENCE ENDORSEMENT As respects any loss reporting requirements under this policy it is understood and agreed that knowledge of any accident or incident by an agent servant or employee of yours or any other person shall not in itself constitute knowledge by you unless a corporate officer of yours principal partner owner or the person or persons responsible for insurance matters listed below shall have received notice from said agent servant employee or any other person. Name ANY CORPORATE OFFICER OF YOURS PRINCIPAL OWNER OR THE PERSON OR PERSONS RESPONSIBLE FOR INSURANCE MATTERS. Al other terms and conditions of this Policy remain unchanged. Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date Authorized Representative Page 10f 1 00 ML0020 00 11 03 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINTENTIONAL ERRORS AND OMISSIONS ENDORSEMENT It is hereby agreed that your failure to disclose all hazards existing as of the inception date of this policy shall not prejudice you with respect to the coverage afforded by this policy provided such failure or omission is not intentional or grossly negligent. Al other terms and conditions of this Policy remain unchanged. Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date Authorized Representative Page 10f 1 00 ML0021 00 11 03 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 IL 09 8501 15 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE PART Terrorism Premium Certified Acts INCLUDED This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies Additional information if any concerning the terrorism premium SCHEDULE PART Il Federal share of terrorism losses 83 Year20 17 Refer to Paragraph B. in this endorsement. Federal share of terrorism losses 82 Year20 18 Refer to Paragraph B. in this endorsement. Information required to complete this Schedule if not shown above will be shown in the Declarations. dditional information if any concerning the terrorism premium Year20 17 Year20 18 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. IL 09 8501 15 Insurance Services Office Inc. 2015 Page 1 of 2 | 2 |
B. Disclosure Of Federal Parti Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage as shown in Part Il of the Schedule of this endorsement or in the policy Declarations of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. pation In Payment C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Page 2 of 2 Insurance Services Office Inc. 2015 IL09 850115 | 2 |
Policy Number ZAGLB9224901 COMMON POLICY DECLARATIONS ARCH INSURANCE COMPANY Named Insured WITCH ENTERPRISES INC. Effective Date 12 31 17 1201 A.M. Standard Time Agent Name ARTHUR J. GALLAGHER RISK MGMT SVCS INC. Agent No. 700 Item1. Named Insured and Mailing Address Agent Name and Address WITCH ENTERPRISES INC. ARTHUR J. GALLAGHER RISK MGMT SVCS SEE NAMED INSURED ENDORSEMENT INC. 467 SILVER STREET 300 SOUTH RIVERSIDE PLAZA P O BOX 673 SUITE 1900 AGAWAM MA 01001 CHICAGO IL 60606 Agent No.700 Item2. Policy Period From 12 31 2017 To 12 31 2018 at 1201 A.M. Standard Time at your mailing address shown above. Item 3. Business Description Form of Business CORPORATION Item4. In return for the payment of the premium and subject to all the terms of this policy we agree with you to provide the insurance as stated in this policy. This policy consists of the following coverage parts for which a premium is indicated. Where no premium is shown there is no coverage. This premium may be subject to adjustment. Coverage Parts Premium Commercial Property Coverage Part NOT COVERED Commercial General Liability Coverage Part 171450.00 Commercial Crime Coverage Part NOT COVERED Commercial Inland Marine Coverage Part NOT COVERED Commercial Auto Business or Truckers Coverage Part NOT COVERED Commercial Garage Coverage Part NOT COVERED Total Policy Premium 171450.00 Item 5. Forms and Endorsements Formss and Endorsements made a part of this policy at time of issue See Schedule of Forms and Endorsements Countersigned Date 02 02 18 By Authorized Representative COMMON POLICY DECLARATION ARCH INSURANCE COMPAN lamed Insured WITCH ENTERPRISES INC. ZAGLB9224901 Y DECLARATIONS E COMPANY Effective Date 12 31 17 1201 A.M Standard Time D ENDORSEMENT OE PLAZA THIS COMMON POLICY DECLARATION AND THE SUPPLEMENTAL DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PARTS COVERAGE FORMS AND FORMS AND ENDORSEMENTS IF ANY COMPLETE THE ABOVE NUMBERED POLICY. FAIC SKLBUS CPD 601 | 2 |
Policy Number ZAGLB9224901 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY Named Insured WITCH ENTERPRISES INC. Effective Date 12 31 17 1201 A.M. Standard Time Agent Name ARTHUR J. GALLAGHER RISK MGMT SVCS INC. AgentNo. 700 COMMON POLICY FORMS AND ENDORSEMENTS 00 ML0065 06 07 U.S. TREASURY DEPARTMENT S OFFICE 00 ML0039 10 13 PREMIUM COMPUTATION 05 ML0002 06 13 MASSACHUSETTS SIGNATURE PAGE 00 ML0020 11 03 KNOWLEDGE OF OCCURRENCE ENDORSEMENT 00 ML0021 11 03 UNINTENTIONAL ERRORS OMISSIONS ENDT IL 09 85 01 15 DISCLOSURE PURSUANT TERROR RISK INS ACT FAIC SKLBUS CPD 06 01 COMMON POLICY DECLARATIONS FAIC SKLBUS FE 06 01 SCHEDULE OF FORMS AND ENDORSEMENTS FAIC SKLBUS SNI 06 01 SCHEDULE OF NAMED INSURED S FAIC SKLBUS SL 06 01 SCHEDULE OF LOCATIONS INSTALL FORM 01 02 INSTALLMENT SCHEDULE IL 11 98 COMMON POLICY CONDITIONS IL 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 07 02 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 09 08 VERMONT CHANGES CIVIL UNION IL 09 08 VERMONT CHANGES STATUTORY LIABILITY IL 09 08 RHODE ISLAND CHANGES PREJUDGMENT INT IL 09 08 NEW HAMPSHIRE CHANGES CANC NONRENEWAL IL 09 08 CONNECTICUT CHANGES CIVIL UNION IL 03 12 RHODE ISLAND CHANGES CIVIL UNION IL 09 08 RHODE ISLAND CHANGES IL 06 15 VERMONT CHANGES CANC NONRENL IL 02 10 CONNECTICUT CHANGES CANC NONRENL IL 01 14 NEW YORK CHANGES CANC NONRENL IL 01 10 RHODE ISLAND CHANGES CANC NONRENL 00 ML0087 00 11 10 NOTICE OF CANC SPECIFIED DAYS GENERAL LIABILITY FORMS AND ENDORSEMENTS FAIC SKLBUS CGLDEC 06 01 COMM GENERAL LIABILITY COVERAGE SUPP DEC GL0045 00 12 03 GENERAL LIABILITY ASBESTOS EXCLUSION GL0469 06 08 AMENDED DUTIES IN THE EVENT OF GL0473 06 08 CONTRACTORS GENERAL LIABILITY GL0474 06 08 ANTI STACKING ENDORSEMENT GL0588 04 10 BODILY INJURY DEFINITION EXTENSION ENDT GL0590 04 10 FELLOW EMPLOYEE COVERAGE ENDORSEMENT GL0599 04 10 BI OR PD EXPECTED OR INTENDED END GL0669 08 11 CONTRACTORS PRIOR INJURY OR DAMAGE GLO0173 04 04 LEAD CONTAMINATION EXCLUSION 00 01 11 09 EMPLOYMENT RELATED PRAC LIAB COV FORM DS 01 09 07 EMPLOYMENT RELATED PRACTICES LIAB DEC FAIC SKLBUS GLE 06 01 SOLUTIONS WATERCRAFT ENDORSEMENT FAIC SKLBUS GLE 06 01 EMPLOYMENT RELATED PRACTICES SOLUTIONS CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COV FORM 00 GL0172 00 03 04 LIMITED CROSS SUITS EXCLUSION FAIC SKLBUS FE 601 ZAGLB9224901 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY lamed Insured WITCH ENTERPRISES INC. Effective Date 12 31 1 1201 A.M. Standard Time REASURY DEPARTMENT S OFFICE 1 COMPUTATION USETTS SIGNATURE PAGE 00 00 22 00 00 JS CPD JS FE JS SNI JS SL ORM 00 NDORSEMENTS RED S D CHANGES CIVIL UNION D CHANGES NGES CANC NONRENL CHANGES CANC NONRENL IANGES CANC NONRENL D CHANGES CANC NONRENL ANC SPECIFIED DAYS JS CGLDEC 00 00 00 00 00 00 00 00 00 | 2 |
Policy Number ZAGLB9224901 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY Named Insured WITCH ENTERPRISES INC. Effective Date 12 31 17 1201 A.M. Standard Time AgentName ARTHUR J. GALLAGHER RISK MGMT SVCS INC. AgentNo. 700 04 40 04 41 04 42 04 44 GL04800 0 GL0540 00 GL0670 00 GL0671 00 FAIC SKLBUS FE 601 STOP GAP EMPLOYERS LIABILITY COV ND STOP GAP EMPLOYERS LIAB COV ENDT OHIO STOP GAP EMPLOYERS LIABILITY COV WA STOP GAP EMPLOYERS LIABILITY COV WY BROAD FORM NAMED INSURED ENDORSEMENT WRAP UP EXCL W LMTD EXCPT FOR EXCESS COV CONTRACTUAL LIABILITY EXCLUSION ENDT AMENDED DEFINITION OF OCCURRENCE ENDT EMPLOYEE BENEFITS LIABILITY COVERAGE PRIMARY AND NONCONTRIBUTORY OTHER INSD ADDL INSD OWNERS LESSEES OR ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INS ST GOV AGY SUB POL SUB PERM ADDL INSD LESSOR OF LEASED EQUIPMENT ADDL INSD LESSOR OF LEASED EQUI ADDL INSD OWNERS LESSEES CONTR COMP OPS ADDL INSD OWNERS LESSEES CONTR COMP OPS ADDL INSD OWNERS LESSEES CONTR COMP OPS ADDL INSD OWNERS LESSEES CONTRACTORS EXCL ACC DISCL OF CONFI OR PERSONAL INFO EXCL DESIGNATED OPERATIONS FUNGI OR BACTERIA EXCLUSION CAP LOSSES FROM CERTIF ACTS OF TERRORISM EXCL EXTERIOR INSULATION FINISH SYSTEM EXCL ENGINEERS ARCH OR SURV PROF LIAB LIMITED CONTR LIABILITY COV FOR PERS ADV WAIVER OF TRANSFER RIGHTS OF RECOVERY LIMITED POLLUTION LIAB.EXTENSION ENDT. CONTRACTUAL LIABILITY RAILROADS AMEND OF COV TERR WORLDWIDE COVERAGE LIMITED CONTRACTUAL LIABILITY RAILROADS DESIGNATED CONSTRUCTION PROJECTS GENERAL DESIGNATED LOCATIONS GENERAL AGGREGATE ZAGLB9224901 SCHEDULE OF FORMS AND ENDORSEMENTS ARCH INSURANCE COMPANY lamed Insured WITCH ENTERPRISES INC. Effective Date 12 31 1 1201 A.M. Standard Time 04 41 04 42 04 44 GL04800 0 GL0540 00 GL0670 00 GL0671 00 12 04 11 03 11 03 06 14 02 11 02 11 02 11 12 07 04 13 07 04 04 13 10 01 11 85 04 13 04 13 04 13 07 04 04 13 10 01 04 13 05 14 01 96 12 04 01 15 12 04 07 98 10 01 05 09 10 01 10 01 04 13 04 13 05 09 05 09 STOP GAP EMPLOYERS LIAB COV ENDT OHIO STOP GAP EMPLOYERS LIABILITY COV WA STOP GAP EMPLOYERS LIABILITY COV WY BROAD FORM NAMED INSURED ENDORSEMENT WRAP UP EXCL W LMTD EXCPT FOR EXCESS CO CONTRACTUAL LIABILITY EXCLUSION ENDT AMENDED DEFINITION OF OCCURRENCE ENDT EMPLOYEE BENEFITS LIABILITY COVERAGE PRIMARY AND NONCONTRIBUTORY OTHER INSI ADDL INSD OWNERS LESSEES OR ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INS ST GOV AGY SUB POL SUB PERM ADDL INSD LESSOR OF LEASED EQUIPMENT ADDL INSD LESSOR OF LEASED EQUI ADDL INSD OWNERS LESSEES CONTR COMP OPS ADDL INSD OWNERS LESSEES CONTR COMP OPS ADDL INSD OWNERS LESSEES CONTR COMP OPS ADDL INSD OWNERS LESSEES CONTRACTORS EXCL ACC DISCL OF CONFI OR PERSONAL INE EXCL DESIGNATED OPERATIONS FUNGI OR BACTERIA EXCLUSION CAP LOSSES FROM CERTIF ACTS OF TERRORIS EXCL EXTERIOR INSULATION FINISH SYSTED EXCL ENGINEERS ARCH OR SURV PROF LIAB LIMITED CONTR LIABILITY COV FOR PERS AD WAIVER OF TRANSFER RIGHTS OF RECOVERY LIMITED POLLUTION LIAB.EXTENSION ENDT. CONTRACTUAL LIABILITY RAILROADS AMEND OF COV TERR WORLDWIDE COVERAGE LIMITED CONTRACTUAL LIABILITY RAILROADS DESIGNATED CONSTRUCTION PROJECTS GENERAI DESIGNATED LOCATIONS GENERAL AGGREGATE | 2 |
Policy Number ZAGLB9224901 SCHEDULE OF NAMED INSUREDS ARCH INSURANCE COMPANY Named Insured WITCH ENTERPRISES INC. Effective Date 12 31 17 1201 A.M. Standard Time AgentName ARTHUR J. GALLAGHER RISK MGMT SVCS INC. AgentNo. 700 FAIC SKLBUS CPD cont. THE NAMED INSURED ON FORM FAIC SKLBUS CPD IS AMENDED TO READ WITCH ENTERPRISES INC. NEW ENGLAND CONCRETE CUTTING INC. WITCH EQUIPMENT OF NEWENGLAND INC. CAAC LLC CD DAMON LLC FAIC SKLBUS SNI 601 ZAGLB9224901 SCHEDULE OF NAMED INSUREDS ARCH INSURANCE COMPANY lamed Insured WITCH ENTERPRISES INC. Effective Date 12 31 1 1201 A.M. Standard Tin HE NAMED INSURED ON FORM FAIC SKLBUS CPD IS AMENDED TO READ ITCH ENTERPRISES INC. EW ENGLAND CONCRETE CUTTING INC. ITCH EQUIPMENT OF NEWENGLAND INC. AAC LLC D DAMON LLC | 2 |
Policy Number ZAGLB9224901 SCHEDULE OF LOCATIONS ARCH INSURANCE COMPANY Named Insured WITCH ENTERPRISES INC. Effective Date 12 31 17 1201 A.M. Standard Time Agent Name ARTHUR J. GALLAGHER RISK MGMT SVCS INC. AgentNo. 700 Designated Locations Address City State Zip Code Occupancy 467 SILVER STREET AGAWAM MA 01001 467 SILVER STREET AGAWAM MA 01001 459 SILVER STREET AGAWAM MA 01001 485 SILVER STREET AGAWAM MA 01001 LOCATION OF OPS AGAWAM MA 01001 LOCATION OF OPS NEW HAVEN CT 06511 LOCATION OF OPS CONCORD NH 03301 LOCATION OF OPS COXSACKIE NY 12051 LOCATION OF OPS PROVIDENCE RI 02904 LOCATION OPS MONTPELIER VT 05620 FAIC SKLBUS SL 601 ZAGLB9224901 SCHEDULE OF LOCATIONS ARCH INSURANCE COMPANY lamed Insured WITCH ENTERPRISES INC. Effective Date 12 31 1 1201 A.M. Standard Time SCHEDULE OF LOCATIONS 1 02 3 D4 5 6 7 8 57 SILVER STREET AGAWAM MA 01001 59 SILVER STREET AGAWAM MA 01001 35 SILVER STREET AGAWAM MA 01001 DCATION OF OPS DCATION DCATION DCATION DCATION DCATION OF OF OF OF OF ops ops ops ops ops AGAWAM MA 01001 NEW HAVEN CT 06511 CONCORD NH 03301 COXSACKIE NY 12051 PROVIDENCE RI 02904 MONTPELIER VT 05620 | 2 |
Policy Number ZAGLB9224901 INSTALLMENT SCHEDULE ARCH INSURANCE COMPANY Named Insured WITCH ENTERPRISES INC. Effective Date 12 31 17 1201 A.M. Standard Time Agent Name ARTHUR J. GALLAGHER RISK MGMT SVCS INC. AgentNo. 700 IT IS HEREBY AGREED AND UNDERSTOOD THAT THIS POLICY IS PAYABLE ON INSTALLMENTS AS FOLLOWS REVISED INSTALLMENT TOTAL DEPOSIT 12312017 171450.00 171450.00 DUE PREMIUM SURCHARGE Failure to pay the Installment Premium by the Date Due shown shall constitute non payment of premium for which we may cancel this policy. INSTALL FORM 0102 ZAGLB9224901 INSTALLMENT SCHEDULE ARCH INSURANCE COMPANY lamed Insured WITCH ENTERPRISES INC. Effective Date 12 31 1 1201 A.M. Standard Tin FPAIABLE ON INSTALLMENIS AS PFOLLOWS REVISED INSTALLMENT TOTAL EPOSIT 12312017 171450.00 171450.00 DUE PREMIUM SURCHARGE SURCHARGE PREMIUM 171450.00 | 2 |
IL 0017 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and. Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele vators. Premiums The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Wil be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelofl O IL 0017 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent 2 ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in suredis or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into 3 fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. ISO Properties Inc. 2007 Page 1 of 2 m IL 00 21 09 08 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. d Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL 00 23 07 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent 2 ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in suredis or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into 3 fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Special nuclear material or by product material. ISO Properties Inc. 2001 Page 1 of 2 m IL 00 23 07 02 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the process ing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2001 IL 00 23 07 02 o | 2 |
IL 01 09 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The term spouse is replaced by the following Spouse or party to a civil union under Vermont law. B. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person who is a resi dent of your household and is related to you by blood adoption including a ward or foster child marriage or civil union under Vermont law. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part or the Farm Umbrella Liability Policy the term family member is replaced by the following Family member means a person who is a resi dent of your household and is related to you by blood adoption including a ward or foster child marriage or civil union under Vermont law. IS0 Properties Inc. 2007 Page 1 of 1 IL 01 09 09 08 | 2 |
IL 01 26 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES STATUTORY LIABILITY COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART In addition to paying and satisfying judicial judg ments rendered against you in consequence of claims to which this Coverage Part applies we will protect you against the levy of executions issued on such judgments or claims against you.. We may without your consent continue litigation after a judgment has been rendered with respect to your legal liability under this Coverage Part for damages in a particular instance. In that event no limitation of our liability will be valid where the mat ter of that litigation is concerned.. Under Coverage Forms to which this endorsement applies any legal action against us to recover for loss under this Coverage Part must be brought within one year after amount of loss is finally es tablished. The amount of loss can be established only by 1. Judicial judgment or 2. An agreement between the parties involved with our written consent. D. In the event of your bankruptcy or insolvency an injured person or claimant who has obtained a judgment against you may bring suit against us provided 1. The judgment was for damages covered by this policy and 2. The suit is for damages in amounts no greater than the applicable Limits of Insurance of this policy.. Payment by you of any judicial judgment or claim for any of our liability under this Coverage Part will not deprive you of the right to bring action against us. For the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment Related Practices Liability Coverage Part Farm Coverage Part Farm Umbrella Liability Policy Liquor Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pol lution Liability Coverage Part Products Completed Operations Liability Coverage Part Medical Pro fessional Liability Coverage Part and Railroad Pro tective Liability Coverage Part the word you is replaced by the term the insured and the word your is replaced by the term the insured s. ISO Properties Inc. 2007 Page 1 of 1 m IL 01 26 09 08 | 2 |
IL 01 28 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES PREJUDGMENT INTEREST This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The paragraph in the Supplementary Payments Sec tion relating to prejudgment interest is replaced by the following 1. Prejudgment interest awarded against you on the entire judgment if we reject a written settlement of fer by the plaintiff that is equal to or less than the applicable limit of insurance in this policy or. If Paragraph 1. above does not apply prejudgment interest awarded against you on that part of the judgment we pay. For the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment related Practices Liability Coverage Part Farm Coverage Part Farm Umbrella Liability Policy Liquor Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pol lution Liability Coverage Part Products Completed Operations Liability Coverage Part Medical Pro fessional Liability Coverage Part Railroad Protec tive Liability Coverage Part and the Underground Storage Tank Policy the word you is replaced by the term the insured For the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment related Practices Liability Coverage Part Farm Coverage Part Farm Umbrella Liability Policy Liquor Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pol lution Liability Coverage Part Products Completed Operations Liability Coverage Part Medical Pro fessional Liability Coverage Part Railroad Protec tive Liability Coverage Part and the Underground Storage Tank Policy the word you is replaced by the term the insured. ISO Properties Inc. 2007 Page 1 of 1 m IL 01 28 09 08 | 2 |
INTERLINE IL 01 35 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART A EQUIPMENT BREAKDOWN COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS COVERAGE PART Paragraphs 2. and 3. of the Cancellaion Common Policy Condition are replaced by the following 2.a. We may cancel this policy by mailing or physi cally delivering to you written notice of cancel lation stating the reasons for cancellation at least 1 10 days before the effective date of cancella tion if we cancel for a Nonpayment of premium or b Substantial increase in hazard 2 60 days before the effective date of cancella tion if we cancel for any other reason. b. If this policy has been in effect for 60 days or more or if this is a renewal of a policy we is sued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation affect ing the policy or in the presentation of a claim thereunder or violation of any of the terms or conditions of the policy or Substantial increase in hazard provided that cancellation for this reason shall be ef fective only after prior approval of the Commissioner. 3 3. We will mail or physically deliver our notice to your last mailing address known to us. If notice is mailed it will be by a. Certified mail or certificate of mailing if can cellation is for nonpayment of premium or b. Certified mail if cancellation is for any other reason. Proof that the notice was mailed in accordance with Paragraph 3.a. or 3.b. will be sufficient proof of notice.. Paragraph 6. of the Cancellation Common Policy Condition is deleted.. The following is added and supersedes any provi sion to the contrary NONRENEWAL 1. If we elect not to renew this policy we will mail or physically deliver written notice of nonre newal stating the reasons for nonrenewal to your last mailing address known to us at least 60 days prior to the expiration of the policy or its anniversary date if it is a policy written for a term of more than one year. 2. However we need not mail or physically deliver this notice if a We have indicated a willingness to renew b We refuse to renew due to nonpayment of premium Common wing or physi of cancel 2llation at f cancella f cancella on. P a ISO Properties Inc. 2007 Page 1 of 2 m IL 01 35 09 08 | 2 |
You do not pay any advance premium re quired by us for renewal or d Any property covered in this policy is in sured under any other insurance policy. 3. If notice is mailed proof of mailing will be suffi cient proof of notice. Page 2 of 2 ISO Properties Inc. 2007 IL 01 3509 08 o | 2 |
IL 01 40 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONNECTICUT CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART A. The term spouse is replaced by the following C. With respect to cove ivil Unic y tenance or use of S gseectgufrvy. to a civil union recognized under the Commercial Lia or Farm Umbrella L B. Under the Commercial Auto Coverage Part the member is replaced term family member is replaced by the following Family member me Family member means a person related to the blood adoption rr 1. Individual Named Insured by blood adoption nized under Connec marriage or civil union recognized under Con your household incl necticut law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized under Connecticut law who is a resident of the individual s household including a ward or fos ter child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part or Farm Umbrella Liability Policy the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recog nized under Connecticut law who is a resident of your household including a ward or foster child. IS0 Properties Inc. 2007 Page 1 of 1 IL 01 40 09 08 | 2 |
IL 01 6103 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following 3. You by blood ac recognized unde resident of your or foster child if Spouse or party to a civil union recognized under Rhode Island law. B. Under the Commercial Automobile Coverage Part endorsement is the term family member is replaced by the following and supersedes any other provisions to C. With respect to c the contrary maintenance or use. under the Commerc Family member means a person related to Part the term fami 1. An individual Named Insured by blood following adoption marriage or civil union recognized Family member me under Rhode Island aw who is a resident of blood adoption such Named Insyreds household including a recognized under ward or foster child resident of your ho 2. The individual named in the Schedule by blood foster child. adoption marriage or civil union recognized under Rhode Island law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individuals endorsement is attached or 3. You by blood adoption marriage or civil union recognized under Rhode Island law who is a resident of your household including a ward or foster child if the Individual Named Insured endorsement is attached. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recognized under Rhode Island law who is a resident of your household including a ward or foster child. Insurance Services Office Inc. 2011 Page 1 of 1 IL 01610312 | 2 |
IL 01 97 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following is added to the Transfer Of Rights B. The following provision is added Of Recovery Against Others To Us Condition DIRECT LIABILITY OF INSURERS When an insurer or its agents recover payment on a casualty loss from a third party through subroga tion the insurer must first pay the insured the de ductible portion of the casualty loss less the pro rated share of subrogation expenses and thereafter retain any funds in excess of the de ductible portion of the recovery. We will be directly liable for those sums t sured becomes legally obligated to pay as ages to the injured party to which this insi applies. In the event of that injured party s we will be directly liable for those sums the ir becomes legally obligated to pay as dama the party entitled to sue as a result of the i nartye death and ta which thic inclirance an B. The following provision is added DIRECT LIABILITY OF INSURERS We will be directly liable for those sums the in sured becomes legally obligated to pay as dam ages to the injured party to which this insurance applies. In the event of that injured party s death we will be directly liable for those sums the insured becomes legally obligated to pay as damages to the party entitled to sue as a result of the injured party s death and to which this insurance applies. ISO Properties Inc. 2007 Page 1 of 1 m IL 01 97 09 08 | 2 |
IL021906 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM QUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is replaced by the following Cancellation 1. The first Named Insured shown in the If cancellation is for nonpayment of premium written notice may be sent by certificate of mailing or certified mail. If cancellation is for any reason other than nonpayment of premium written notice must be sent by Declarations may cancel this Policy by mailing certified mail. or delivering to us advance written notice of cancellaliung 3. Cancellation Of Policies In Effect For 60 Days. Or More. 2. Cancellation Of Policies In Effect For Less Than 60 Days. If this Policy has been in effect for less than 60 days and this Policy is not a renewal of a policy we issued we may cancel this Policy by a. Giving at least 15 days notice prior to the cancellation date for nonpayment of premium or substantial increase in hazard or b. Mailing or delivering at least 45 days notice prior to the cancellation date for any other reason. Written notice of cancellation including the reason for cancellation will be mailed or delivered to the first Named Insured at the first Named Insured s last mailing address known to us. If this Policy has been in effect for 60 days or more or if this is a renewal of a policy we issued we may cancel this Policy only for one or more of the following reasons a. Nonpayment of premium b. Fraud or material misrepresentation affecting this Policy or in the presentation of claims under this Policy c. Violation of any provisions of this Policy or d. Substantial increase in hazard provided we have secured approval for the cancellation from the commissioner of insurance. If we cancel this Policy for one of the reasons specified in Paragraph 3. we will cancel only in the following manner a. By giving at least 15 days notice before the effective date of cancellation if we cancel for nonpayment of premium or IL 0219 06 15 Insurance Services Office Inc. 2014 Page 1 of 2 | 2 |
b. By mailing or delivering at least 45 days notice before the effective date of cancellation if we cancel for any other reason. Written notice of cancellation including the reason for cancellation will be mailed or delivered to the first Named Insured at the first Named Insured s last mailing address known to us. If cancellation is for nonpayment of premium written notice may be sent by certificate of mailing or certified mail. If cancellation is for any reason other than nonpayment of premium written notice must be sent by certified mail. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be sufficient proof of notice.. Any When We Do Not Renew Condition is deleted. The following conditions are added 1. When We Do Not Renew a. We may elect not to renew this Policy by mailing by certified mail or delivering written notice of nonrenewal to the first Named Insured s last mailing address known to us. We will mail or deliver this notice at least 45 days before the 1 Expiration of the Policy or 2 Anniversary date of this Policy if this Policy has been written for a term of more than one year. b. This provision does not apply 1 If we have indicated a willingness to renew 2 In case of nonpayment of premium 3 If you do not pay any advance premium required by us for renewal or 4 If any property covered in this Policy is insured under any other insurance policy. 2. Renewal a. If we 1 Elect to renew this Policy and 2 Have the necessary information to issue a renewal policy we will confirm in writing at least 45 days before it expires our intention to renew this Policy and the premium at which this Policy will be renewed. b. If we do not comply with the provisions of Paragraph a. you will have renewal coverage. The renewal coverage will be at the rates 1 In effect under the expiring or expired policy or 2 In effect on the expiration date that have been approved by the Commissioner whichever are lower. This renewal coverage will be on a pro rata basis and will continue for 45 days after we confirm renewal coverage and premium. If you accept this renewal policy this Paragraph b. does not apply. Page 2 of 2 Insurance Services Office Inc. 2014 IL 021906 15 | 2 |
INTERLINE IL 02 60 02 10 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONNECTICUT CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART STANDARD PROPERTY POLICY A. The Cancellation Common Policy Condition is 3. Cancellation replaced by the following more. Cancellation a. If this pc 1. The first Named Insured shown in the Declara or more tions may cancel this policy by mailing or Ssued delivering to us advance written notice of can you writt cellation. 1 10 d 2. Cancellation of policies in effect for less than 60 cance days. of the If this policy has been in effect for less than 60 a N days and is not a renewal of a policy we is b C sued we may cancel this policy for any reason ac by giving you written notice of cancellation at ac least c Di a. 10 days before the effective date of cancella m tion if we cancel for nonpayment of pre in mium or cle b. 30 days before the effective date of cancella d Di tion if we cancel for any other reason. ac 3. Cancellation of policies in effect for 60 days or more. If this policy has been in effect for 60 days or more or this is a renewal of a policy we issued we may cancel this policy by giving you written notice of cancellation at least 1 10 days before the effective date of cancellation if we cancel for one or more of the following reasons a Nonpayment of premium b Conviction of a crime arising out of acts increasing the hazard insured against c Discovery of fraud or material misrepresentation by you in obtain ing the policy or in perfecting any claim thereunder Discovery of any willful or reckless act or omission by you increasing the hazard insured against or d Insurance Services Office Inc. 2009 Page 1 of 2 m IL 02 60 02 10 | 2 |
e A determination by the Commis sioner that continuation of the policy would violate or place us in violation of the law or 2 60 days before the effective date of cancellation if we cancel for one or more of the following reasons a Physical changes in the property which increase the hazard insured against A material increase in the hazard insured against or A substantial loss of reinsurance by us affecting this particular line of in surance. b. We may not cancel policies in effect for 60 days or more or renewal policies for any reason other than the reasons described in Paragraph 3.a. above. c. If we cancel for nonpayment of premium you may continue the coverage and avoid the effect of the cancellation by payment in full at any time prior to the effective date of cancellation. d. Notice of cancellation will be delivered or sent by 1 Registered mail 2 Certified mail or 3 Mail evidenced by a United States Post Office certificate of mailing.. We will give notice to you at your last mailing address known to us.. Notice of cancellation will state the specific reason for the cancellation and the effective date of cancellation. The policy period will end on that date. b c 6. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 7. If notice is mailed proof of mailing will be suffi cient proof of notice.. The following is added and supersedes any other provision to the contrary Nonrenewal 1. If we decide not to renew this policy we will mail or deliver to you a written notice of nonre newal stating the specific reason for nonre newal at least 60 days before the expiration date of this policy. The notice will be sent to your address last known to us. 2. This notice will be delivered or sent by a. Registered mail b. Certified mail or c. Mail evidenced by a certificate of mailing. If notice is mailed proof of mailing is sufficient proof of notice. 3. However we are not required to send this notice if nonrenewal is due to your failure to pay any advance premium required for renewal. 4. With respect to automobile liability insurance policies only your policy shall terminate on the effective date of any other insurance policy you purchase with respect to any automobile des ignated in both policies. Page 2 of 2 Insurance Services Office Inc. 2009 IL 02 60 02 10 o | 2 |
IL 02680114 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. Paragraphs 1. 2. 3. and 5. of the Cancellation Common Policy Condition are replaced by the following 1. The first Named Insured shown in the Declarations may cancel this entire policy by mailing or delivering to us advance written notice of cancellation. 2. Cancellation Of Policies In Effect a. 60 Days Or Less We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 1 30 days before the effective date of cancellation if we cancel for any reason not included in Paragraph A.2.b. below. 2 15 days before the effective date of cancellation if we cancel for any of the reasons included in Paragraph A.2.b. below. b. For More Than 60 Days If this policy has been in effect for more than 60 days or if this policy is a renewal or continuation of a policy we issued we may cancel only for any of the reasons listed below provided we mail the first Named Insured written notice at least 15 days before the effective date of cancellation 1 Nonpayment of premium provided however that a notice of cancellation on this ground shall inform the first Named Insured of the amount due 2 Conviction of a crime arising out of acts increasing the hazard insured against Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presentation of a claim After issuance of the policy or after the last renewal date discovery of an act or omission or a violation of any policy condition that substantially and materially increases the hazard insured against and which occurred subsequent to inception of the current policy period Material physical change in the property insured occurring after issuance or last annual renewal anniversary date of the policy which results in the property becoming uninsurable in accordance with our objective uniformly applied underwriting standards in effect at the time the policy was issued or last renewed or material change in the nature or extent of the risk occurring after issuance or last annual renewal anniversary date of the policy which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the policy was issued or last renewed Required pursuant to a determination by the Superintendent that continuation of our present premium volume would jeopardize our solvency or be hazardous to the interest of our policyholders our creditors or the public 3 4 5 6 IL 0268 01 14 Insurance Services Office Inc. 2013 Page 10f 5 | 2 |
7 A determination by the Superintendent that the continuation of the policy would violate or would place us in violation of any provision of the Insurance Code or 8 Where we have reason to believe in good faith and with sufficient cause that there is a probable risk of danger that the insured will destroy or permit to be destroyed the insured property for the purpose of collecting the insurance proceeds. If we cancel for this reason you may make a written request to the Department of Financial Services within 10 days of receipt of this notice to review our cancellation decision. Also we will simultaneously send a copy of this cancellation notice to the Department of Financial Services. 3. We will mail or deliver our notice including the reason for cancellation to the first Named Insured at the address shown in the policy and to the authorized agent or broker. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. However when the premium is advanced under a premium finance agreement the cancellation refund will be pro rata. Under such financed policies we will be entitled to retain a minimum earned premium of 10 of the total policy premium or 60 whichever is greater. The cancellation will be effective even if we have not made or offered a refund. B. The following is added to the Cancellation Common Policy Condition 7. If one of the reasons for cancellation in Paragraph A.2.b. or D.2.b.2 exists we may cancel this entire policy even if the reason for cancellation pertains only to a new coverage or endorsement initially effective subsequent to the original issuance of this policy. C. The following conditions are added 1. Nonrenewal If we decide not to renew this policy we will send notice as provided in Paragraph C.3. below. 2. Conditional Renewal If we conditionally renew this policy subject to a. A change of limits. A change in type of coverage. A reduction of coverage. An increased deductible. An addition of exclusion or. Increased premiums in excess of 10 exclusive of any premium increase due to and commensurate with insured value added or increased exposure units or as a result of experience rating loss rating retrospective rating or audit we will send notice as provided in Paragraph C.3. below.. Notices Of Nonrenewal And Conditional Renewal 0 Q00 a. If we decide not to renew this policy or to conditionally renew this policy as provided in Paragraphs C.1. and C.2. above we will mail or deliver written notice to the first Named Insured shown in the Declarations at least 60 but not more than 120 days before 1 The expiration date or 2 The anniversary date if this is a continuous policy. b. Notice will be mailed or delivered to the first Named Insured at the address shown in the policy and to the authorized agent or broker. If notice is mailed proof of mailing will be sufficient proof of notice. c. Notice will include the specific reasons for nonrenewal or conditional renewal including the amount of any premium increase for conditional renewal and description of any other changes. d. If we violate any of the provisions of Paragraph C.3.a. b. or c. above by sending the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice 1 And if notice is provided prior to the expiration date of this policy coverage will remain in effect at the same terms and conditions of this policy at the lower of the current rates or the prior period s rates until 60 days after such notice is mailed or delivered unless the first Named Insured during this 60 day period has replaced the coverage or elects to cancel Page 2 of 5 Insurance Services Office Inc. 2013 IL0268 0114 | 2 |
2 And if the notice is provided on or after the expiration date of this policy coverage will remain in effect at the same terms and conditions of this policy for another policy period at the lower of the current rates or the prior period s rates unless the first Named Insured during this additional policy period has replaced the coverage or elects to cancel. e. If you elect to renew on the basis of a late D. The conditional renewal notice the terms conditions and rates set forth in such notice shall apply 1 Upon expiration of the 60 day period unless Subparagraph 2 below applies or 2 Notwithstanding the provisions in Paragraphs d.1 and d.2 as of the renewal date of the policy if the conditional renewal notice was sent at least 30 days prior to the expiration or anniversary date of the policy. We will not send you notice of nonrenewal or conditional renewal if you your authorized agent or broker or another insurer of yours mails or delivers notice that the policy has been replaced or is no longer desired. following provisions apply when the Commercial Property Coverage Part the Farm Coverage Part or the Capital Assets Program Output Policy Coverage Part is made a part of this policy 1. Items D.2. and D.3. apply if this policy meets the following conditions a. The policy is issued or issued for delivery in New York State covering property located in this state and b. The policy insures 1 For loss of or damage to structures other than hotels or motels used predominantly for residential purposes and consisting of no more than four dwelling units or 2 For loss of or damage to personal property other than farm personal property or business property or 3 Against damages arising from liability for loss of damage to or injury to persons or property except liability arising from business or farming and c. The portion of the annual premium attributable to the property and contingencies described in 1.b. exceeds the portion applicable to other property and contingencies. 2. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Procedure And Reasons For Cancellation a. We may cancel this entire policy by mailing or delivering to the first Named Insured written notice of cancellation at least 1 15 days before the effective date of cancellation if we cancel for nonpayment of premium provided however that a notice of cancellation on this ground shall inform the first Named Insured of the amount due or 30 days before the effective date of cancellation if we cancel for any other reason. b. But if this policy 1 Has been in effect for more than 60 days or 2 Is arenewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium provided however that a notice of cancellation on this ground shall inform the first Named Insured of the amount due 2 Conviction of a crime arising out of acts increasing the risk of loss 3 Discovery of fraud or material misrepresentation in obtaining the policy or in making a claim 4 Discovery of willful or reckless acts or omissions increasing the risk of loss 5 Physical changes in the covered property that make that property uninsurable in accordance with our objective and uniformly applied underwriting standards in effect when we a Issued the policy or b Last voluntarily renewed the policy 2 IL 0268 01 14 Insurance Services Office Inc. 2013 Page 3of 5 | 2 |
6 The Superintendent of Financial Services determination that continuing the policy would violate Chapter 28 of the Insurance Law or Required pursuant to a determination by the Superintendent of Financial Services that the continuation of our present premium volume would be hazardous to the interests of our policyholders our creditors or the public. 3. The following are added a. Conditional Continuation Instead of cancelling this policy we may continue it on the condition that 1 The policy limits be changed or 2 Any coverage not required by law be eliminated. If this policy is conditionally continued we will mail or deliver to the first Named Insured written notice at least 20 days before the effective date of the change or elimination. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. b. Nonrenewal If as allowed by the laws of New York State we 1 Do not renew this policy or 2 Condition policy renewal upon a Change of limits or b Elimination of coverage we will mail or deliver written notice of nonrenewal or conditional renewal a Atleast 45 days but b Not more than 60 days before the expiration date of the policy. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. E. The following is added to the Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions the Commercial Property Coverage Part and the Capital Assets Program Output Policy Coverage Part When the property is subject to the Anti arson Application in accordance with New York Department of Financial Services Insurance Regulation No. 96 the following provisions are added If you fail to return the completed signed and affirmed anti arson application to us 1. Or our broker or agent within 45 days of the effective date of a new policy we will cancel the entire policy by giving 20 days written notice to you and to the mortgageholder shown in the Declarations. 2. Before the expiration date of any policy we will cancel the policy by giving written notice to you and to the mortgageholder shown in the Declarations at least 15 days before the effective date of cancellation. The cancellation provisions set forth in E.1. and E.2. above supersede any contrary provisions in this policy including this endorsement. If the notice in E.1. or E.2. above is mailed proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. F. The following applies to the Commercial Property Coverage Part the Farm Coverage Part and the Capital Assets Program Output Policy Coverage Part Paragraphs f. and g. of the Mortgageholders Condition are replaced by the following f. Cancellation 1 If we cancel this policy we will give written notice to the mortgageholder at least a 10 days before the effective date of cancellation if we cancel for your nonpayment of premium or b 30 days before the effective date of cancellation if we cancel for any other reason. Page 4 of 5 Insurance Services Office Inc. 2013 IL0268 0114 | 2 |
2 If you cancel this policy we will give written notice to the mortgageholder. With respect to the mortgageholder s interest only cancellation will become effective on the later of a The effective date of cancellation of the insured s coverage or b 10 days after we give notice to the mortgageholder. g. Nonrenewal 1 If we elect not to renew this policy we will give written notice to the mortgageholder at least 10 days before the expiration date of this policy. 2 If you elect not to renew this policy we will give written notice to the mortgageholder. With respect to the mortgageholder s interest only nonrenewal will become effective on the later of a The expiration date of the policy or b 10 days after we give notice to the mortgageholder. G. The following provisions apply when the following are made a part of this policy Commercial General Liability Coverage Part Employment Related Practices Liability Coverage Part Farm Liability Coverage Form Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part 1. The aggregate limits of this policy as shown in the Declarations will be increased in proportion to any policy extension provided in accordance with Paragraph C.3.d. above. 2. The last sentence of Limits Of Insurance does not apply when the policy period is extended because we sent the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice. IL 0268 01 14 Insurance Services Office Inc. 2013 Page 50f 5 | 2 |
IL 02730110 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART When this endorsement is attached to the Standard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy.. With respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form Paragraph 1. of the Cancellation Common Policy Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by giving mailing or delivering advance written notice of cancellation to us or to the insurance agent or producer who issued the policy. C. With respect to all Coverage Parts and Policies addressed in this endorsement the Cancellation Common Policy Condition is amended by replacing Paragraphs 2 3. 5. and 6. with the following 2. We may cancel this policy by giving mailing or delivering to the first Named Insured and the insurance producer of record if any written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 30 days before the effective date of cancellation if we cancel for any other reason. If this policy has been in effect for 60 days or more or if this is a renewal of a policy we issued we may cancel only for one or more of the following reasons a. Nonpayment of premium b. Fraud or material misrepresentation made by you or with your knowledge in obtaining the policy continuing the policy or in presenting a claim under the policy Insurance Services Office Inc. 2010 Page 1 of 3 m IL 02730110 | 2 |
c. Activities or omissions on your part which increase any hazard insured against including a failure to comply with loss control recommendations d. Change in the risk which increases the risk of loss after insurance coverage has been issued or renewed including but not limited to an increase in exposure due to regulation legislation or court decision e. Loss or decrease of our reinsurance covering all or part of the risk or exposure covered by the policy f. Determination by the Commissioner of Insurance that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of this state g. Owner or occupant incendiarism h. Violation or breach by you of any policy terms or conditions i. Constructive or actual total loss of the Covered Property or j. Such other reasons as may be approved by the Commissioner of Insurance.. We will give mail or deliver written notice to the first Named Insured at the address shown on the policy and to the insurance producer of record if any. However with respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Employment Related Practices Liability Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form We will give mail or deliver written notice to the first Named Insured at the last address known to us and to the insurance producer of record if any.. If this policy is cancelled we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return premium a. We will compute return premium pro rata and round to the next higher whole dollar when this policy is 1 Cancelled at our request 2 Cancelled because you no longer have a financial or insurable interest in the property or business operation that is the subject of insurance 3 Cancelled and rewritten by us or a member of our company group Cancelled after the first year if it is a prepaid policy written for a term of more than one year or Cancelled by us at the request of a premium finance company upon default of the first Named Insured when this policy is financed under a premium finance agreement. b. When this policy is cancelled at your request except when Paragraph a.2 a.3 or a.4 applies we will return 90 75 for Equipment Breakdown policies of the pro rata unearned premium rounded to the next higher whole dollar. However when such cancellation takes place during the first year of a multiyear prepaid policy we will return the full annual premium for the subsequent years. 6. Proof of giving mailing or delivering notice of cancellation will be sufficient proof of notice. 4 5 D. With respect to all Coverage Parts and Policies addressed in this endorsement the following is added to the Cancellaion Common Policy Condition 7. We will provide you with the reason or reasons for cancellation if a. You request in writing a statement of the reasons for cancellation and b. You agree in writing to hold us harmless from liability for any 1 Communication giving notice of or specifying the reasons for cancellation or 2 Statement made in connection with an attempt to discover or verify the existence of conditions which would be a reason for cancellation as provided under Paragraph C.2. Page 2 of 3 Insurance Services Office Inc. 2010 IL 02730110 o | 2 |
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