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SCHEDULE OF NAMED INSUREDS Named Insured URS Topco Corporation Endorsement Number 33 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Date of Endorsement Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following EXCESS COMMERCIAL GENERAL LIABILITY POLICY The Named Insured shown in the Declarations is amended to read as follows URS Topco Corporation as well as any organization other than a partnership or joint venture and over which you or your subsidiary currently maintain ownership or majority interest provided there is no other similar insurance available to that organization and any other organization you newly acquire or form other than a partnership or joint venture and over which you maintain ownership or majority interest provided a there is no other similar insurance available to that organization and b you notify us of such acquisition not later than 60 days after the end of the policy period. As respects newly acquired or formed organizations 1. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and 2. Coverage B does not apply to personal injury or advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past joint venture that is not shown as a Named Insured on this schedule. Authorized Agent XS21255 1106 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 1 | 2 |
SILICA OR SILICA RELATED DUST EXCLUSION Named Insured URS Topco Corporation Endorsement Number 34 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies all insurance provided under the following EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Silica Or Silica Related Dust a. b. c. Bodily injury arising in whole or in part out of the actual alleged threatened or suspected inhalation of or ingestion of silica or silica related dust. Property damage arising in whole or in part out of the actual alleged threatened or suspected contact with exposure to existence of or presence of silica or silica related dust. Any loss cost or expense arising in whole or in part out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of silica or silica related dust by any insured or by any other person or entity. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to b. ica Or Silica Related Dust Personal and advertising injury arising in whole or in part out of the actual alleged threa suspected inhalation of ingestion of contact with exposure to existence of or presence of silica related dust. Any loss cost or expense arising in whole or in part out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of silica or silica related dust by any insured or by any other person or entity. C. The following definitions are added to the Definitions Section 1. Silica means silicon dioxide occurring in crystalline amorphous and impure forms silica particles silica dust or silica compounds. 2. Silica related dust means a mixture or combination of silica and other dust or particles. Authorized Agent XS18224 0405 Reprinted with permission of Insurance Services Office Page 1 of 1 | 2 |
TRADE OR ECONOMIC SANCTIONS ENDORSEMENT Named Insured URS Topco Corporation Endorsement Number 35 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 TO 06012021 Effective Date of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance including but not limited to the payment of claims. All other terms and conditions of the policy remain unchanged. Authorized Agent ALL21101 1106 Ptd. in U.S.A. Page 1 of 1 | 2 |
WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Named Insured URS Topco Corporation Endorsement Number 36 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Date of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company Tsert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following EXCESS COMMERCIAL GENERAL LIABILITY POLICY SCHEDULE Name of Person or Organization Any person or organization against whom you have agreed to waive your right of recovery in a written contract provided such contract was executed prior to the date of loss. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery against the persons or organizations shown in the Schedule above because of payments we make under this policy. Such waiver by us applies only to the extent that the insured has waived its right of recovery against such persons or organizations prior to loss. This endorsement applies only to the persons or organizations shown in the Schedule above. All Other Terms And Conditions Remain Unchanged. Authorized Representative Page1of1 XS6W34a 0220 | 2 |
POLICY NUMBER XSL G71453455 POLICY NUMBER XSL G71453455 Endorsement Number 37 IL 09 850115 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 1414 This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies Xs6U91e 12 18 Additional information if any concerning the terrorism premium SCHEDULE PART Il Federal share of terrorism losses 80 Refer to Paragraph B. in this endorsement. Year 20 20 Federal share of terrorism losses 80 Refer to Paragraph B. in this endorsement. Year 20 21 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure Of Premium Treasury will pay a share of terrorism losses 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. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the 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. his premium is the total Certified Acts premium attributable to the following Coverage Parts overage Forms andor Policyies S6U91e 12 18 dditional information if any concerning the terrorism premium Year 20 20 Year 20 21 Insurance Services Office Inc. 2015 Page 1 of 2 IL 09 850115 | 2 |
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 IL 09 850115 | 2 |
ALASKA CHANGES ATTORNEYS FEES Named Insured Endorsement Number URS Topco Corporation 38 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SCHEDULE Attorney s Fees for a Judgment of Additional Premium Included In any suit we defend in Alaska any agreement to pay costs taxed against the insured is amended by the following A. We will not pay that portion of the attorney s fees awarded as costs which does exceed the amount allowed for a contested case in the schedule of attorney s fees contained in Alaska Rule of Civil Procedure 82 for a judgment equal to the applicable Limit of Insurance. B. However if a premium and a judgment amount are shown in the Schedule we will pay instead of the attorney s fees provided in paragraph A. above that portion of the attorney s fees awarded as costs which do not exceed the amount allowed for a contested case in Alaska Rule of Civil Procedure 82 for the judgment amount shown in the Schedule. Authorized Representative ALL5X26b 1111 Page 1 of 1 | 2 |
ALASKA CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 39 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. We may cancel this policy by mailing to you and the agent or broker of record written notice of cancellation. Such notice stating the reason for cancellation must be sent by first class mail at least a. 10 days before the effective date of cancellation if we cancel for 1 Conviction of the insured of a crime having as one of its necessary elements an act increasing a hazard insured against or 2 Fraud or material misrepresentation by the insured or a representative of the insured in obtaining the insurance or by the insured in pursuing a claim under this policy or b. 20 days before the effective date of cancellation if we cancel for 1 Nonpayment of premium or 2 Failure or refusal of the insured to provide the information necessary to confirm exposure or determine the policy premium or c. 60 days before the effective date of cancellation if we cancel for any other reason. We will mail our notice to your last known address and the last known address of the agent or broker of record. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. A post office certificate of mailing or certified mail receipt will be sufficient proof of mailing of notice. If this policy is cancelled we will return any premium refund due. If we cancel we will return as the refund the pro rata unearned premium to the first Named Insured or if applicable to the premium finance company. If the first Named Insured cancels the refund will be the pro rata unearned premium minus a cancellation fee of 7.5 of the pro rata unearned premium. However we will not retain this cancellation fee if this policy is cancelled a. And rewritten with us or in our company group or b. At our request or c. Because you no longer have a financial or insurable interest in the property or business operation that is the subject of this insurance or d. After the first year for a prepaid policy written for a term of more than one year. LD2850b 0201 Printed in U.S.A. Page 1 of 2 | 2 |
The following Conditions supersede any provisions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal by first class mail to you and the agent or broker of record at least 45 days before a. The expiration date or b. The anniversary date if this policy has been written for more than one year or with no fixed expiration date. We need not mail notice of nonrenewal if a. We have manifested in good faith our willingness to renew or b. The first Named Insured has failed to pay any premium required for this policy or c. The first Named Insured fails to pay the premium required for renewal of this policy. Any notice of nonrenewal will be mailed to your last known address and the last known address of the agent or broker of record. A post office certificate of mailing or certified mail receipt will be sufficient proof of mailing of notice. NOTICE OR PREMIUM OR COVERAGE CHANGES ON RENEWAL If the premium to renew this policy increases more than 10 for a reason other than an increase in coverage or exposure basis or if after the renewal there will be a material restriction or reduction in coverage not specifically requested by the insured we will mail written notice to your last known address and the last known address of the agent or broker of record at least 45 days before 1. 2. The expiration date or The anniversary date if this policy has been written for more than one year or with no fixed expiration date. Authorized Agent LD2850b 0201 Printed in U.S.A. Page 2 of 2 | 2 |
ARIZONA CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 40 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the Policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this Policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this Policy by mailing or delivering to the first Named Insured 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. 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 sufficient proof of notice. 7. Cancellation Of Policies in Effect For 60 Days Or More If this Policy has been in effect for 60 days or more or if this Policy 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. Your conviction of a crime arising out of acts increasing the hazard insured against c. Acts or omissions by you or your representative constituting fraud or material misrepresentation in the procurement of this policy in continuing this policy or in presenting a claim under this Policy. d. Substantial change in the risk assumed except to the extent that we should have reasonably foreseen the change or contemplated the risk in writing the contract e. Substantial breach of contractual duties or conditions f. Loss of reinsurance applicable to the risk insured against resulting from termination of treaty or facultative reinsurance initiated by our reinsurer or reinsurers LD2851c 1214 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 3 | 2 |
g. Determination of the Director of Insurance that the continuation of the Policy would place us in violation of the insurance laws of this state or would jeopardize our solvency or h. Acts or omissions by you or your representative which materially increase the hazard insured against. If we cancel this Policy based on one or more of the above reasons we will mail by certified mail or by first class mail using Intelligent Mail barcode or another similar tracking method used or approved by the United States Postal Service to the first Named Insured and mail to the agent if any written notice of cancellation stating the reasons for cancellation. We will mail this notice to the last mailing addresses known to us at least 1. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. 2. 45 days before the effective date of cancellation if we cancel for any of the other reasons. II. The following Condition supersedes any other condition to the contrary RENEWAL A If we elect to renew this Policy and the renewal is subject to any of the following 1. Increase in premium 2. Change in deductible 3. Reduction in limits of insurance or 4. Substantial reduction in coverage we will mail or deliver written notice of the changes to the first Named Insured at the last mailing address known to us at least 30 days before the anniversary or expiration date of the Policy. B. If renewal is subject to any condition described in A.1. through A.4. above and we fail to provide notice 30 days before the anniversary or expiration date of this Policy the following procedures apply 1. The present policy will remain in effect until the earlier of the following a. 30 days after the date of mailing or delivery of the notice or b. The effective date of replacement coverage obtained by the first Named Insured. 2. If the first Named Insured elects not to renew any earned premium for the period of extension of the terminated policy will be calculated pro rata at the lower of the following rates a. The rates applicable to the terminated policy or b. The rates presently in effect. 3. If the first Named Insured accepts the renewal the premium increase if any and other changes are effective the day following this policy s anniversary or expiration date. NONRENEWAL A. If we elect not to renew this Policy we will mail by certified mail or by first class mail using Intelligent Mail barcode or another similar tracking method used or approved by the United States Postal Service to the first Named Insured and mail to the agent if any written notice of nonrenewal. We will mail this notice to the last mailing addresses known to us at least 45 days prior to the expiration of this policy. B. If notice is mailed proof of mailing will be sufficient proof of notice. C. If either one of the following occurs we are not required to provide written notice of nonrenewal 1. We or a company within the same insurance group has offered to issue a renewal policy or 2. You have obtained replacement coverage or agreed in writing to do so. LD2851c 1214 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 0f 3 | 2 |
D. If written notice of nonrenewal is mailed less than 45 days prior to expiration of this Policy and neither C.1. nor C.2. applies the coverage shall remain in effect until 45 days after the notice is mailed. Earned premium for any period of coverage that extends beyond the expiration date of this Policy shall be considered pro rata based upon the previous year s rate. Authorized Representative LD2851c 1214 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 30f3 | 2 |
CALIFORNIA CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 41 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. All Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less and is not a renewal of a policy we have previously issued we may cancel this policy by mailing or delivering to the first Named Insured at the mailing address shown in the policy and to the producer of record advance written notice of cancellation stating the reason for cancellation at least a. 10 days before the effective date of cancellation if we cancel for 2 Nonpayment of premium or Discovery of fraud or material misrepresentation by a Any insured or his or her representative in obtaining this insurance or b You or your representative in pursuing a claim under this policy. b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. All Policies In Effect For More Than 60 Days If this policy has been in effect for more than 60 days or is a renewal of a policy we issued we may cancel this policy only upon the occurrence after the effective date of the policy of one or more of the following 1 Nonpayment of premium including payment due on a prior policy we issued and due during the current policy term covering the same risks. 2 Discovery of fraud or material misrepresentation by a Any insured or his or her representative in obtaining this insurance or b You or your representative in pursuing a claim under this policy. 3 A judgment by a court or an administrative tribunal that you have violated a California or Federal law having as one of its necessary elements an act which materially increases any of the risks insured against. 4 Discovery of willful or grossly negligent acts or omissions or of any violations of state laws or regulations establishing safety standards by you or your representative which materially increase any of the risks insured against. 5 Failure by you or your representative to implement reasonable loss control requirements agreed to by you as a condition of policy issuance or which were conditions precedent to our use of a particular rate or rating plan if that failure materially increases any of the risks insured against. LD2853d 0811 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
6. 6 A determination by the Commissioner of Insurance that the a Loss of or changes in our reinsurance covering all or part of the risk would threaten our financial integrity or solvency or b Continuation of the policy coverage would i Place us in violation of California law or the laws of the state where we are domiciled or ii Threaten our solvency. 7 A change by you or your representative in the activities or property of the commercial or industrial enterprise which results in a materially added increased or changed risk unless the added increased or changed risk is included in the policy. b. We will mail or deliver advance written notice of cancellation stating the reason for cancellation to the first Named Insured at the mailing address shown in the policy and to the producer of record at least 1 10 days before the effective date of cancellation if we cancel for a reason listed in Paragraph 3.a.1 or 3.a.2 or 2 30 days before the effective date of cancellation if we cancel for any other reason listed in Paragraph 3.a. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. If this policy is cancelled we will send the first Named Insured any premium refund due. The refund if any will be computed on a pro rata basis. However the refund may be less than pro rata if we made a loan to you for the purpose of payment of premiums for this policy. The cancellation will be effective even if we have not made or offered a refund. If notice is mailed proof of mailing will be sufficent proof of notice. Il. The following Condition supersede any provisions to the contrary Nonrenewal 1. Subject to the provisions of Paragraph 3. below if we decide not to renew this policy we will mail or deliver written notice stating the reason for nonrenewal to the first Named Insured shown in the Declarations and to the producer of record at least 60 days but not more than 120 days before the expiration or anniversary date. We will mail or deliver our notice to the first Named Insured and to the producer of record at the mailing address shown in the policy. We are not required to send notice of nonrenewal in the following situations a. If the transfer or renewal of a policy without any changes in terms conditions or rates is between us and a member of our insurance group. b. If the policy has been extended for 90 days or less provided that notice has been given in accordance with Paragraph 1. c. If you have obtained replacement coverage or if the first Named Insured has agreed in writing within 60 days of the termination of the policy to obtain that coverage. d. If the policy is for a period of no more than 60 days and you are notified at the time of issuance that it will not be renewed. e. Ifthe first Named Insured requests a change in the terms or conditions or risks covered by the policy within 60 days of the end of the policy period. f. If we have made a written offer to the first Named Insured in accordance with the timeframes shown in Paragraph 1. to renew the policy under changed terms or conditions or at an increased premium rate when the increase exceeds 25. Authorized Representative LD2853d 0811 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 0f 2 | 2 |
COLORADO CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 42 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation condition is replaced by the following A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. If this policy has been in effect for less than 60 days we may cancel this policy by mailing or delivering to the first Named Insured 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. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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. If notice is mailed proof of mailing will be sufficient proof of notice. Cancellation Of Policies in Effect For 60 Days Or More a. If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel this policy by mailing through first class mail to the first Named Insured written notice of cancellation 1 Including the actual reason at least 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 Atleast 45 days before the effective date of cancellation if we cancel for any other reason. We may only cancel this policy based on one or more of the following reasons a Nonpayment of premium b A false statement knowingly made by the insured on the application for insurance or c A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the policy unless the first Named Insured has notified us of the change and we accept such change. LD2854a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 2 | 2 |
The following Condition supersedes any other condition to the contrary NONRENEWAL If we decide not to renew this policy we will mail through first class mail to the first Named Insured shown in the Declarations written notice of the nonrenewal at least 45 days before the expiration date or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date. INCREASE IN PREMIUM OR DECREASE IN COVERAGE We will not increase the premium unilaterally or decrease the coverage benefits on renewal of this policy unless we mail through first class mail written notice of our intention including the actual reason to the first Named Insured s last mailing address known to us at least 45 days before the effective date. Any decrease in coverage during the policy term must be based on one or more of the following reasons A. Nonpayment of premium B. A false statement knowingly made by the insured on the application for insurance or C. A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the policy unless the first Named Insured has notified us of the change and we accept such change. Authorized Agent LD2854a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 0f 2 | 2 |
FLORIDA CHANGES CANCELLATION AND NONRENEWAL Named Insured URS Topco Corporation Endorsement Number 43 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation condition is replaced by the following A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. A. CANCELLATION FOR POLICIES IN EFFECT 90 DAYS OR LESS If this policy has been in effect for 90 days or less we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation accompanied by the reasons for cancellation at least 1. 2. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. 20 days before the effective date of cancellation if we cancel for any other reason except we may cancel immediately if there has been a A material misstatement or misrepresentation or b A failure to comply with underwriting requirements established by the insurer. B. CANCELLATION FOR POLICIES IN EFFECT FOR MORE THAN 90 DAYS If this policy has been in effect for more than 90 days we may cancel this policy only for one or more of the following reasons 1. 2. 3. 4. 5. Nonpayment of premium The policy was obtained by a material misstatement There has been a failure to comply with underwriting requirements within 90 days of the effective date of coverage There has been a substantial change in the risk covered by the policy or The cancellation is for all insureds under such policies for a given class of insureds. If we cancel this policy for any of these reasons we will mail or deliver to the first Named Insured written notice of cancellation accompanied by the reasons for cancellation at least a 10 days before the effective date of cancellation if cancellation is for the reason stated in 2.a. above or b 45 days before the effective date of cancellation if cancellation is for the reasons stated in 2.b d or e above. LD2857b 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 2 | 2 |
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 sufficient proof of notice II. The following Condition supersedes any other provisions to the contrary. NONRENEWAL A If we decide not to renew this policy we will mail or deliver to the first Named Insured written notice of nonrenewal accompanied by the reason for nonrenewal at least 45 days prior to the expiration of this policy.. Any notice of nonrenewal will be mailed or delivered 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. Renewal Notification. If we elect to renew this policy we will let you know in writing a. Of our decision to renew this policy and b. The amount of renewal premium payable to us. This notice will be delivered to you or mailed to you at your mailing address shown in the Declarations at least 45 days before the expiration date of this policy. Proof of mailing will be sufficient proof of notice. Authorized Agent LD2857b 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
GEORGIA CHANGES CANCELLATION AND NONRENEWAL Named Insured URS Topco Corporation Endorsement Number 44 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Issued By Name of Insurance Company ACE American Insurance Company insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA LIABILITY POLICY EXCESS LIABILITY POLICY EXCESS LIABILITY CATASTROPHE POLICY EXCESS COMMERCIAL GENERAL LIABILITY POLICY A. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations 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 following a. If only the interest of the first Named Insured is affected the effective date of cancellation will be either the date we receive notice from the first Named Insured or the date specified in the notice whichever is later. However upon receiving a written notice of cancellation from the first Named Insured we may waive the requirement that the notice state the future date of cancellation by confirming the date and time of cancellation in writing to the first Named Insured. b. If by statute regulation or contract this policy may not be cancelled unless notice is given to a governmental agency mortgagee 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 cancellation. 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. 2. We may cancel this policy by mailing or delivering to the first Named Insured 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. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us.. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. Premium Refund a. Ifthis policy is cancelled we will send the first Named Insured any premium refund due. b. If we cancel the refund will be pro rata except as provided in c. below. c. 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 agreement then the refund may be less than pro rata. Calculation of the return premium at less than pro rata represents a penalty charged on unearned premium. I XS1v18b 0215 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 Page 1 of 2 | 2 |
d. If the first Named Insured cancels the refund may be less than pro rata. e. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed a receipt provided by or such other evidence of mailing as prescribed or accepted by the U.S. Postal Service shall be sufficient proof of notice.. The following is added to the CANCELLATION 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 coverages or 3. Change any policy provision which would limit or restrict coverage then We will mail or deliver notice of our action including 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 described in Paragraph D. below we will mail or deliver notice at least a. 10 days before the effective date of cancellation if this policy has been in effect less than 60 days or if we cancel for nonpayment of premium or b. 45 days before the effective date of cancellation if this policy has been in effect 60 or more days and we cancel for a reason other than nonpayment of premium or c. 45 days before the expiration date of this policy if we decide to nonrenew increase the premium or limit or restrict coverage.. With respect to a policy that is written to permit an audit the following is added to the Cancellation Common Policy Condition If you fail to submit to or allow an audit for the current or most recently expired term we may cancel this policy subject to the following 1. We will make two documented efforts to send you and your agent notification of potential cancellation. After the second notice has been sent we have the right to cancel this policy by mailing or delivering a written notice of cancellation to the first Named Insured at least 10 days before the effective date of cancellation but not within 20 days of the first documented effort. 2. If we cancel this policy based on your failure to submit to or allow an audit we will send the written notice of cancellation to the first Named Insured at the last known mailing address by certified mail or statutory overnight delivery with return receipt requested. Authorized Representative XS1v18b 0215 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 | 2 |
IDAHO CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 45 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. Cancellation will be effective on the later of the date requested by the first Named Insured or the date we receive the request. 2. POLICIES IN EFFECT a. 60 DAYS ORLESS If this policy has been in effect for 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 10 days before the effective date of cancellation if we cancel for nonpayment of premium. If delivered via United States mail the 10 day notification period begins to run 5 days following the date of postmark or 2 30 days before the effective date of cancellation if we cancel for any other reason. b. MORE THAN 60 DAYS If this policy has been in effect for more than 60 days or is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium or 2 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 3 4 Change in risk which materially increases the risk of loss after the policy has been issued or renewed including but not limited to an increase in exposure due to regulation legislation or court decision Acts or omissions on your part which increase any hazard insured against 5 Loss of or decrease in reinsurance which provided us with coverage for all or part of the risk insured G A determination by the Director of Insurance that continuation of this policy would jeopardize our solvency or place us in violation of the insurance laws of Idaho or any other state or t Violation or breach by the insured of any policy terms or conditions other than nonpayment of premium. We will mail or deliver written notice of cancellation to the first Named Insured at least a 10 days before the effective date of cancellation if we cancel for nonpayment of premium. If delivered via United States mail the 10 day notification period begins to run 5 days following the date of postmark or LD2S60c 0311 Includes copyrighted material of Insurance Services office Inc. with its permission. Page 10f 2 | 2 |
b 30 days before the effective date of cancellation if we cancel for any other reason stated in 2.b. above. 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 sufficient proof of notice. Il. The following Condition supersede any provisions to the contrary PREMIUM OR COVERAGE CHANGES AT RENEWAL A. If we elect to renew this policy we will mail or deliver written notice of any total premium increase greater than ten 10 which is the result of a comparable increase in premium rates change in deductible reduction in limits or reduction in coverage to the first Named Insured at the last mailing address known to us. B. Any such notice will be mailed or delivered to the first Named Insured at least 30 days before the expiration or anniversary date of the policy. C. If notice is not mailed or delivered at least 30 days before the expiration or anniversary date of the policy the premium deductible limits and coverage in effect prior to the changes will remain in effect until the earlier of the following 1. 30 days after notice is given or 2. The effective date or replacement coverage obtained by the first Named Insured. D. If the first Named Insured accepts the renewal the premium increase if any and other changes will be effective on and after the first day of the renewal term. E. If the first Named Insured elects not to renew any earned premium for the resulting extended period of coverage will be calculated pro rata at the lower of the new rates or rates applicable to the expiring policy. F. If notice is mailed proof of mailing will be sufficient proof of notice. NONRENEWAL A. If we elect not to renew this policy we will mail or deliver to the first Named Insured a written notice of intention not to renew at least 45 days prior to the expiration or anniversary date of the policy. B. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. C. If notice is not mailed or delivered at least 45 days before the expiration or anniversary date of this policy this policy will remain in effect until 45 days after notice is mailed or delivered. Earned premium for the extended period of coverage will be calculated pro rata at the rates applicable to the expiring policy. D. We need not mail or deliver this notice if 1. You have offered to renew this policy 2. You have obtained replacement coverage or 3. You have agreed in writing to obtain replacement coverage. E. If notice is mailed proof of mailing will be sufficient proof of notice. Authorized Representative LD2S60c 0311 Includes copyrighted material of Insurance Services office Inc. with its permission. Page 2 of 2 | 2 |
ILLINOIS CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 46 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following CANCELLATION A. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 1. 2. We may cancel this policy by mailing to you written notice stating the reason for cancellation. If we cancel for nonpayment of premium we will mail the notice at least 10 days prior to the effective date of cancellation. If we cancel for a reason other than nonpayment of premium we will mail the notice at least a. 30 days prior to the effective date of cancellation if the policy has been in effect for 60 days or less. b. 60 days prior to the effective date of cancellation if the policy has been in effect for more than 60 days. B. If this policy has been in effect for more than 60 days we may cancel only for one or more of the following reasons 1. 2 3. 4. 5. Nonpayment of premium The policy was obtained through a material misrepresentation Any insured has violated any of the terms and conditions of the policy The risk originally accepted has measurably increased Certification to the Director of Insurance of the loss of reinsurance by the insurer that provided coverage to us for all or a substantial part of the underlying risk insured or A determination by the Director of Insurance that the continuation of the policy could place us in violation of the insurance laws of this State. C. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. D. 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 will be less than pro rata. The cancellation will be effective even if we have not offered a refund. LD2861a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 10f2 | 2 |
The following is added and supersedes any provision to the contrary NONRENEWAL A If we decide not to renew this policy we will mail written notice stating the reason for nonrenewal no less than 60 days before the expiration date to 1. Youand 2. The broker if known to us or the agent of record. Even if we do not comply with these terms this policy will terminate 1. On the expiration date if a. You fail to perform any of your obligations in connection with the payment of the premium for the policy or any installment payment whether payable directly to us or our agents or indirectly under any premium finance plan or extension of credit or b. We have indicated our willingness to renew this policy to you or your representative or c. You have notified us or our agent that you do not want to renew this policy. Mailing of Notices We will mail cancellation and nonrenewal notices to you and the agent or broker at the last addresses known to us. Proof of mailing will be sufficient proof of notice. Authorized Agent LD2861a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 0f 2 | 2 |
INDIANA CHANGES CANCELLATION AND NONRENEWAL Named Insured URS Topco Corporation Endorsement Number 47 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation condition is replaced by the following A. Cancellation 1. 2. 6. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. a. Cancellation of Policies in Effect for 90 Days or Less If this policy has been in effect for 90 days or less we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium. 2 20 days before the effective date of cancellation if you have perpetrated a fraud or material misrepresentation on us 3 30 days before the effective date of cancellation if we cancel for any other reason. b. Cancellation of Policies in Effect for More Than 90 Days If this policy has been in effect for more than 90 days or is a renewal of a policy we issued we may cancel this policy only for one or more of the reasons listed below by mailing or delivering to the first Named Insured written notice of cancellation at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium 2 20 days before the effective date of cancellation if you have perpetrated a fraud or material misrepresentation on us 3 45 days before the effective date of cancellation if a There has been a substantial change the scale of risk covered by this policy or b Reinsurance of the risk associated with this policy has been cancelled. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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 loss than pro rata. The cancellation will be effective even if we have not made or offered a refund. If notice is mailed proof of mailing will be sufficient proof of notice. LD2S862a 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 10f 2 | 2 |
II. The following Condition supersedes any other provisions to the contrary. NONRENEWAL A If we elect not to renew this policy we will mail or deliver to the first Named Insured written notice of nonrenewal at least 45 days before 1. The expiration date of this policy if the policy is written for a term of one year or less or 2. The anniversary date of this policy if the policy is written for a term of more than one year. 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. Authorized Agent LD2S862a 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
MARYLAND CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 48 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. A. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. When this policy has been in effect for 45 days or less and is not a renewal policy we may cancel this Coverage Part by mailing to the first Named Insured at the last mailing address known to us written notice of cancellation stating the reason for cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium b. 15 days before the effective date of cancellation if we cancel because the risk does not meet our underwriting standards. 3. When this policy has been in effect for more than 45 days or is a renewal policy we may cancel this Policy by mailing to the first Named Insured at the last mailing address known to us written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. b. 45 days before the effective date of cancellation if we cancel for a permissible reason other than nonpayment of premium stating the reason for cancellation. Under this Paragraph b. we may cancel only for one or more of the following reasons 1 When there exists material misrepresentation or fraud in connection with the application policy or presentation of a claim. 2 A change in the condition of the risk that results in an increase in the hazard insured against. 3 A matter or issue related to the risk that constitutes a threat to public safety. If we cancel pursuant to Paragraph 3.b. you may request additional information on the reason for cancellation within 30 days from the date of our notice. 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 will be calculated as follows a. Policies Written For One Year Or Less We will refund 90 of the pro rata unearned premium. b. Policies Written For More Than One Year 1 If the policy is cancelled in the first year we will refund 90 of the pro rata unearned premium for the first year plus the full annual premium for subsequent years. 2 Ifthe policy is cancelled after the first year we will refund the pro rata unearned premium. Includes copyrighted material of Insurance Services Office Inc. with its permission. LD2S68c 0516 Page 1 of 2 | 2 |
c. Continuous And Annual Premium Payment Policies We will refund 90 of the pro rata unearned premium for the year in which the policy is cancelled. We will retain the minimum premium except if the Policy is cancelled as of the inception date. However if this policy is financed by a premium finance company and we or the premium finance company or the first Named Insured cancels the policy the refund will consist of the gross unearned premium computed pro rata excluding any expense constant administrative fee or nonrefundable charge filed with and approved by the insurance commissioner. The cancellation will be effective even if we have not made or offered a refund. We will send notice of cancellation to the first Named Insured by a first class mail tracking method if a. We cancel for nonpayment of premium or b. This Policy is not a renewal of a policy we issued and has been in effect for 45 days or less. We will send notice to the first Named Insured by a first class mail tracking method or by commercial mail delivery service if we cancel for a reason other than nonpayment of premium and this Policy a. Is a renewal of a policy we issued or b. Has been in effect for more than 45 days. We will maintain proof of mailing in a form authorized or accepted by the United States Postal Service or by other commercial mail delivery service when such service is used. Proof of mailing will be sufficient proof of notice.. The following condition is added and supersedes any provisions to the contrary When We Do Not Renew 1. We may elect not to renew this policy by mailing notice of nonrenewal to the first Named Insured at the last mailing address known to us at least 45 days before the expiration date of this policy. We will send notice of nonrenewal to the first Named Insured by a first class mail tracking method or by commercial mail delivery service. We will maintain proof of mailing in a form authorized or accepted by the United States Postal Service or by other commercial mail delivery service when such service is used. Proof of mailing will be sufficient proof of notice. When we elect not to renew a policy that has been in effect for more than 45 days for a reason other than nonpayment of premium we will provide a written statement of the actual reason for the refusal to renew. You may request additional information within 30 days from the date of our notice. If we offer to renew at least 45 days before the renewal date and you fail to make the required premium payment by the renewal date the policy will terminate on the renewal date for nonpayment of premium.. The following definition is added First class mail tracking method means a method that provides evidence of the date that a piece of first class mail was accepted for mailing by the United States Postal Service including a certificate of mail and an electronic mail tracking system used by the United States Postal Service. First class mail tracking method does not include a certificate of bulk mailing. Authorized Representative Includes copyrighted material of Insurance Services Office Inc. with its permission. LD2S68c 0516 Page 2 of 2 | 2 |
MICHIGAN CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 49 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this Policy by giving us or our authorized agent notice of cancellation. We may cancel this Policy by mailing or delivering to the first Named Insured 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. We will mail or deliver our notice to the first Named Insured s last mailing address known to us or our authorized agent. The time of surrender or the effective date and hour of cancellation stated in the notice shall become the end of the policy period. If this policy is cancelled we will send the first Named Insured any pro rata premium refund due. The minimum earned premium shall not be less than the pro rata premium for the expired time or 25.00 whichever is greater. The cancellation will be effective even if we have not made or offered a refund. If notice is mailed proof of mailing will be sufficient proof of notice. II. The following condition supersedes any other provisions to the contrary Nonrenewal If we decide not to renew this Policy we will mail or deliver to the first Named Insured s last mailing address known to us or our authorized agent written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. Authorized Representative Includes copyrighted material of Insurance Services Office Inc. with its permission. Page1of1 LD2S69e 0417 | 2 |
MISSISSIPPI CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 50 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. The following Condition supersedes any other provisions to the contrary. NONRENEWAL A. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured at least 1. 10 days before the effective date of nonrenewal if the nonrenewal is due to nonpayment of premium or 2. 30 days before an anniversary date or the expiration date of the policy if the nonrenewal is for any other reason. B. The notice of nonrenewal will be mailed or delivered 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. Authorized Agent LD2S71a 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 1 | 2 |
MISSOURI CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 51 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Tssued By Name of Insurance Company ACE Ameri ican Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. T If the policy more favoral HIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions ble to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following A. Cancellation 1. 6. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation stating the actual reason for cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium b. 30 days before the effective date of cancellation if cancellation is for one or more of the following reasons 1 Fraud or material misrepresentation affecting this policy or a claim filed under this policy or a violation of any of the terms or conditions of this policy 2 Changes in conditions after the effective date of this policy which have materially increased the risk assumed 3 We become insolvent or 4 We involuntarily lose reinsurance for this policy. c. 60 days before the effective date of cancellation if we cancel for any other reason. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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. If notice is mailed proof of mailing will be sufficient proof of notice. II. The following Condition supersedes any other provisions to the contrary NONRE A. We maill NEWAL may elect not to renew this policy by mailing or delivering to the first Named Insured at the last ing address known to us written notice of nonrenewal stating the actual reason for nonrenewal at least sixty days prior to the effective date of the nonrenewal. B. If notice is mailed proof of mailing will be sufficient proof of notice. LD2872c 0805 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 10f 2 | 2 |
The following is added Missouri Property and Casualty Insurance Guaranty Association Coverage Limitations A. Subject to the provisions of the Missouri Property and Casualty Insurance Guaranty Association Act to be referred to as the Act if we are a member of the Missouri Property and Casualty Insurance Guaranty Association to be referred to as the Association the Association will pay claims covered under the Act if we become insolvent.. The Act contains various exclusions conditions and limitations that govern a claimant s eligibility to collect payment from the Association and affect the amount of any payment. The following limitations apply subject to all other provisions of the Act 1. Claims covered by the Association do not include a claim by or against an insured of an insolvent insurer if the insured has a net worth of more than 25 million on the later of the end of the insured s most recent fiscal year or the December thirty first of the year next preceding the date the insurer becomes insolvent provided that an insured s net worth on such date shall be deemed to include the aggregate net worth of the insured and all of its affiliates as calculated on a consolidated basis. 2. Payments made by the Association for covered claims will include only that amount of each claim which is less than 300000. However the Association will not 1 Pay an amount in excess of the applicable limit of insurance of the policy from which a claim arises or 2 Return to an insured any unearned premium in excess of 25000. These limitations have no effect on the coverage we will provide under this policy. Authorized Agent LD2872c 0805 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
NEW JERSEY CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 52 Policy Symbol Policy Number. Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. Any cancellation or non renewal provisions contained in the policy to which this endorsement is attached are deleted and replaced by the following I. Pursuant to New Jersey law this policy can not be cancelled or nonrenewed for any underwiting reason or guideline which is arbitrary capricious or unfairly discriminatory or without adequate prior notice to the insured. The under writing reasons or guidelines that an insurer can use to cancel or nonrenew this policy are maintained by the in surer in writing and will be furnished to the insured andor the insured s lawful representative upon written request. A. CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. If this policy has been in effect for less than 60 days we may cancel this policy by mailing or delivering to the first Named Insured and any person entitled to notice under this policy written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for 1 Nonpayment of premium or 2 Existence of a moral hazard as defined in N.J.A.C. 111 20.2f as follows a The risk danger or probability that the insured will destroy or permit to be destroyed the insured property for the purpose of collecting the insurance proceeds. Any change in the circumstances of an insured that will increase the probability of such a destruction may be considered a moral hazard and b The substantial risk danger or probability that the character circumstances or personal habits of the insured may increase the possibility of loss or liability for which an insurer will be held responsible. Any change in the character or circumstances of an individual corporate partnership or other insured that will increase the probability of such a loss or liability may be considered a moral hazard. b. 30 days before the effective date of cancellation if we cancel for any other reason. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. If this policy is cancelled we will send the first Named Insured any premium refund due. 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. LD2876 Page 10of 3 | 2 |
7. Cancellation of Policies in Effect For 60 Days or More. a. If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons Nonpayment of premium Existence of a moral hazard as defined in N.J.A.C. 111 20.2f 3 Material misrepresentation or nondisclosure to us of a material fact at the time of acceptance of the risk 4 Increased hazard or material change in the risk assumed which we could not have reasonably contemplated at the time of assumption of the risk 5 Substantial breaches of contractual duties conditions or warranties that materially affect the nature andor insurability of the risk 6 Lack of cooperation from the insured on loss control matters materially affecting insurability of the risk 7 Fraudulent acts against us by the insured or its representative that materially affect the nature of the risk insured Loss of or reduction in available insurance capacity 9 Material increase in exposure arising out of changes in statutory or case law subsequent to the issuance of the insurance contract or any subsequent renewal 10 Loss of or substantial changes in applicable reinsurance 1 Failure by the insured to comply with any Federal State or local fire health safety or building or construction regulation law or ordinance with respect to an insured risk which substantially increases any hazard insured against within 60 days of written notification of a violation of any such law regulation or ordinance 12 Failure by the insured to provide reasonable and necessary underwriting information to us upon written request therefor and a reasonable opportunity to respond 13 Agency termination provided a. We document that replacement coverage at comparable rates and terms has been provided to the first Named Insured and we have informed the first Named Insured in writing of the right to continue coverage with us or b. We have informed the first Named Insured in writing of the right to continue coverage with us and the first Named Insured has agreed in writing to the cancellation or nonrenewal based on the termination of the first Named Insured s appointed agent. 14 Any other reasons in accordance with our underwriting guidelines for cancellation of commercial lines coverage. If we cancel this policy based on paragraph 7.a.1 or 2 above we will mail a written notice stating the reason for cancellation to the first Named Insured and any person entitled to notice under this policy at least 10 days before the effective date of cancellation. For cancellation due to the nonpayment of premium the notice will state the effect of nonpayment by the due date. Cancellation for nonpayment of premium will not be effective if payment of the amount due is made before the effective date set forth in the notice. If we cancel this policy for any other reason listed above we will mail a written notice stating the reason for cancellation to the first Named Insured and any person entitled to notice under this policy not more than 120 days nor less than 30 days before the effective date of such cancellation. Notice will be sent to the last mailing addresses known to us by 1 Certified mail or 2 First class mail if we have obtained from the post office a date stamped proof of mailing showing names and addresses. LD2876 Page 2 of 3 | 2 |
d. We need not send notice of cancellation if you have 1 Replaced coverage elsewhere or 2 Specifically requested termination. B. NONRENEWAL 1. We may elect not to renew this policy for any reason permitted to cancel it. If we elect not to renew this policy we will mail a notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 30 days but not more than 120 days before the expiration date of this policy. If this policy does not have a fixed expiration date it shall be deemed to expire annually on the anniversary of its inception. This notice will be sent to the first Named insured at the last mailing address known to us by a. Certified mail or b. First class mail if we have obtained from the post office a date stamped proof of mailing showing the first Named Insured s name and address. We need not mail or deliver this notice if you have a. Replaced coverage elsewhere or b. Specifically requested termination. Authorized Agent LD2876 Page 3 of 3 | 2 |
NEW YORK CHANGES Named Insured URS Topco Corporation Endorsement Number 53 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies all insurance provided under the following COMMERCIAL UMBRELLA LIABILITY POLICY CONTRACTUAL INDEMNITY COVERAGE PART OCCURRENCE CORRIDOR CONTRACTUAL INDEMNITY COVERAGE PART SLIDING ATTACHMENT CONTRACTUAL INDEMNITY COVERAGE PART DEDUCTIBLE REIMBURSEMENT EXCESS BUSINESS AUTOMOBILE POLICY EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS CATASTROPHE LIABILITY POLICY EXCESS LIABILITY POLICY EXCESS TRUCKERS LIABILITY POLICY The Legal Action Against Us Condition is replaced by the following Legal Action Against Us a. Except as provided in Paragraph b. no person or organization has a right under this Coverage Part 1 Tojoin us as a party or otherwise bring us into a suit asking for damages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. b. With respect to bodily injury claims if we deny coverage or do not admit liability because an insured or the injured person someone acting for the injured person or other claimant fails to give us written notice as soon as practicable then the injured person someone acting for the injured person or other claimant may bring an action against us provided the sole question is whether the denial of coverage or nonadmission of liability is based on the failure to provide timely notice. However the injured person someone acting for the injured person or other claimant may not bring an action if within 60 days after we deny coverage or do not admit liability we or an insured 1 Brings an action to declare the rights of the parties under the policy and 2 Names the injured person someone acting for the injured person or other claimant as a party to the action. ALL25213 1008 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 2 | 2 |
The following provision is added and supersedes any provision to the contrary Failure to give notice to us as required under this Coverage Part shall not invalidate any claim made by the insured injured person or any other claimant unless the failure to provide such timely notice has prejudiced us. However no claim made by the insured injured person or other claimant will be invalidated if it shall be shown not to have been reasonably possible to give such timely notice and that notice was given as soon as was reasonably possible thereafter. Authorized Agent ALL25213 1008 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
NEW YORK CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 54 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. Cancellation Of Policies In Effect 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 2.a. 2 below. 2 15 days before the effective date of cancellation if we cancel for any 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 in the obtaining of the policy or in the e 9 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 that 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 that 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 that 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 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 LD2877C 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc.. with its permission Page 1 of 3 | 2 |
h 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 Insurance Department 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 Insurance Department. 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 in Paragraph 2.a. 2 above provided we mail the first Named Insured written notice at least 15 days before the effective date of cancellation. 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. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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. If notice is mailed proof of mailing will be sufficient proof of notice. If one of the reasons for cancellation in Paragraph 2.a. 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. Il. The following Conditions supersede any other provisions to the contrary. 1. NONRENEWAL If we decide not to renew this policy we will send notice as provided in Paragraph 3. below. 2. CONDITIONAL RENEWAL If we conditionally renew this policy subject to a a. Change of limits b. Change of type of coverage c. Reduction of coverage d. Increased deductible e. Addition of exclusion or f. 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 3. below. 3. NOTICES OF NONRENEWAL AND CONDITIONAL RENEWAL a. If we decide not to renew this policy or to conditionally renew this policy as provided in Paragraphs 1. and 2. above we will mail or deliver written notice to the first Named Insured shown in the Declarations at least 60 but more than 120 days before 1 The expiration date or 2 The anniversary date if this is a continuous policy. LD2S77C 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc. Page 2 of 3 with its permission Page 2 0f 3 | 2 |
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 Paragraphs 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 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. 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. 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. Authorized Agent LD2877C 0201 Printed in U.S.A. Includes copyrighted material of Insurance Services Office Inc.. with its permission Page 30f3 | 2 |
OHIO CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 55 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. With respect to a policy which has been in effect for more than 90 days or is a renewal of a policy we issued the CANCELLATION Condition is replaced by the following A. We may cancel this policy only for one or more of the following reasons except as provided in paragraph F. below. 1. Nonpayment of premium 2. Discovery of fraud or material misrepresentation in the procurement of the insurance or with respect to any claims submitted thereunder 3. Discovery of a moral hazard or willful or reckless acts or omissions on your part which increases any hazard insured against 4. The occurrence of a change in the individual risk which substantially increases any hazard insured against after the insurance coverage has been issued or renewed except to the extent the insurer could reasonably have foreseen the change or contemplated the risk in writing the contract 5. Loss of applicable reinsurance or a substantial decrease in applicable reinsurance if the Superintendent has determined that reasonable efforts have been made to prevent the loss of or substantial decrease in the applicable reinsurance or to obtain replacement coverage o Failure of an insured to correct material violations of safety codes or to comply with reasonable written loss control recommendation or 7. A determination by the Superintendent of Insurance that the continuation of the policy would create a condition that would be hazardous to the policyholders or the public. B. We will mail written notice of cancellation to the first Named Insured and agent if any at the last mailing addresses known to us. Proof of mailing will be sufficient proof of notice. C. We will mail the notice of cancellation at least 1. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2. 30 days before the effective date of cancellation if we cancel for a reason stated in B.2. through B.7. above. D. 1. The notice of cancellation will state the effective date of cancellation. The policy period will end on that date. LD2S80c 0706 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 2 | 2 |
2. The notice will also contain the date of the notice and the policy number and will state the reason for cancellation. E. Policies written for a term of more than one year or on a continuous basis may be cancelled by us for any reason at an anniversary date upon 30 days written notice of cancellation. 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. F. The cancellation will be effective even if we have not made or offered a refund. 1ll. The following Condition supersedes any other provisions to the contrary. NONRENEWAL A. If we elect not to renew this policy we will mail written notice of nonrenewal to the first Named Insured and agent if any at the last mailing addresses known to us. The notice will contain the date of the notice and the policy number and will state the expiration date of the policy. We will mail the notice of nonrenewal at least 30 days before the expiration date of the policy. Proof of mailing will be sufficient proof of notice. Authorized Agent LD2S80c 0706 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
OKLAHOMA CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 56 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The CANCELLATION condition is replaced by the following A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 45 days before the effective date of cancellation if we cancel for any other reason. After coverage has been in effect for more than 45 business days or after the effective date of a renewal of this policy no notice of cancellation will be issued by us unless it is based on at least one of the following reasons 1 Nonpayment of premium 2 Discovery of fraud or material misrepresentation in the procurement of the insurance or with respect to any claims submitted under it 3 Discovery of willful or reckless acts or omissions by you that increase any hazard insured against 4 The occurrence of a change in the risk that substantially increases any hazard insured against after insurance coverage has been issued or renewed s A violation of any local fire health safety building or construction regulation or ordinance with respect to any covered property or its occupancy that substantially increases any hazard insured against G A determination by the Insurance Commissioner that the continuation of the policy would place us in violation of the insurance laws of this state t Your conviction of a crime having as one of its necessary elements an act increasing any hazard insured against or 8 Loss of or substantial changes in applicable reinsurance. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. LD2S81c 1006 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 10of 3 | 2 |
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. The following conditions are added and supersedes any provisions to the contrary. NONRENEWAL A. If we elect not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured at least 45 days before 1. The expiration date of the policy or 2. An anniversary date of this policy if it is written for a term longer than one year or with no fixed expiration date. B. Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the last mailing address known to us. C. If notice is mailed 1. It will be considered to have been given to the first Named Insured on the day it is mailed. 2. Proof of mailing will be sufficient proof of notice. D. If notice of nonrenewal is not mailed or delivered at least 45 days before the expiration date or an anniversary date of this policy coverage will remain in effect until 45 days after notice is given. Earned premium for such extended period of coverage will be calculated pro rata based on the rates applicable to the expiring policy. E. We will not provide notice of nonrenewal if 1. We or another company within the same insurance group have offered to issue a renewal policy or 2. You have obtained replacement coverage or have agreed in writing to obtain replacement coverage. F. If we have provided the required notice of nonrenewal as described in A. above and thereafter extend the policy for a period of 90 days or less we will not provide an additional nonrenewal notice with respect to the period of extension. PREMIUM OR COVERAGE CHANGES AT RENEWAL 1. If we elect to renew this policy we will give written notice of any premium increase change in deductible or reduction in limits or coverage to the first Named Insured at the last mailing address known to us. 2. Any such notice will be mailed or delivered to the first Named Insured at least 45 days before a. The expiration date of this policy or b. An anniversary date of this policy if it is written for a term longer than one year or with no fixed expiration date. 3. If notice is mailed a. It will be considered to have been given to the first Named Insured on the day it is mailed. b. Proof of mailing will be sufficient proof of notice. 4. If the first Named Insured accepts the renewal the premium increase or coverage changes will be effective the day following the prior policy s expiration or anniversary date. LD2S81c 1006 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 3 | 2 |
If notice is not mailed or delivered at least 45 days before the expiration date or anniversary date of this policy the premium deductible limits and coverage in effect prior to the changes will remain in effect until a. 45 days after notice is given or b. The effective date of replacement coverage obtained by the insured whichever occurs first. If the first Named Insured then elects not to renew any earned premium for the resulting extended period of coverage will be calculated pro rata at the lower of the new rates or rates applicable to the expiring policy. We will not provide notice of the following a. Changes in a rate or plan filed with or approved by the State Board for Property Casualty Rates or filed pursuant to the Property and Casualty Competitive Loss Cost Rating Act and applicable to an entire class of business b. Changes which are based upon the altered nature or extent of the risk insured. c. Changes in policy forms filed with or approved by the Insurance Commissioner and applicable to an entire class of business. Authorized Agent Includes copyrighted material of Insurance Services Office Inc. Page 3 of 3 with its permission LD2S81c 1006 Page 3 of 3 | 2 |
PENNSYLVANIA CHANGES CANCELLATION AND NONRENEWAL Named Insured URS Topco Corporation Endorsement Number 57 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. The CANCELLATION Condition is replaced by the following CANCELLATION A The first Named Insured shown in the Declarations may cancel this policy by mailing or giving notice of cancellation. CANCELLATION OF POLICIES IN EFFECT FOR LESS THAN 60 DAYS We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 30 days before the effective date of cancellation. CANCELLATION OF POLICIES IN EFFECT FOR 60 DAYS OR MORE If this policy has been in effect for 60 days or more or if this policy is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1. You have made a material misrepresentation which affects the insurability of the risk. Notice of cancellation will be mailed or delivered at least 15 days before the effective date of cancellation. 2. You have failed to pay a premium when due whether the premium is payable directly to us or our agents or indirectly under a premium finance plan or extension of credit. Notice of cancellation will be mailed at least 15 days before the effective date of cancellation. 3. A condition factor or loss experience material to insurability has changed substantially or a substantial condition factor or loss experience material to insurability has become known during the policy period. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. 4. Loss of reinsurance or a substantial decrease in reinsurance has occurred which loss or decrease at the time of cancellation shall be certified to the Insurance Commissioner as directly affecting inforce policies. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. 5. Material failure to comply with policy terms conditions or contractual duties. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. 6. Other reasons that the Insurance Commissioner may approve. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. This policy may also be cancelled from inception upon discovery that the policy was obtained through fraudulent statements omissions or concealment of facts material to the acceptance of the risk or to the hazard assumed by us. D. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the specific reasons for cancellation. LD2S83a 201 Printed in U.S.A. Page 1 of 2 | 2 |
G. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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 and will be returned within 10 business days after the effective date of cancellation. If the first Named Insured cancels the refund may be less than pro rata and will be returned within 30 days after the effective date of cancellation. The cancellation will be effective even if we have not made or offered a refund. If notice is mailed it will be by registered or first class mail. Proof of mailing will be sufficient proof of notice. The following supersedes any provisions to the contrary A NONRENEWAL If we decide not to renew this policy we will mail or deliver written notice of nonrenewal stating the specific reasons for nonrenewal to the first Named Insured at least 60 days before the expiration date of the policy. INCREASE PR PREMIUM If we increase your renewal premium we will mail or deliver to the first Named Insured 1. Written notice of our intent to increase the premium at least 60 days before the effective date of the premium increase and Any notice of nonrenewal or renewal premium increase will be mailed or delivered to the first Named Insured s last known address. If notice is mailed it will be by registered or first class mail. Proof of mailing will be sufficient proof of notice. Authorized Agent LD2S83a 201 Printed in U.S.A. Page 2 of 2 | 2 |
RHODE ISLAND CHANGES CANCELLATION AND NONRENEWAL Named Insured URS Topco Corporation Endorsement Number 58 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following A. Cancellation 1. 2. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. a. We may cancel this policy by giving mailing or delivering to the first Named Insured and agent if any written notice of cancellation at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 30 days before the effective date of cancellation 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 issued we may cancel only for one or more of the following reasons 1 3 4 5 6 8 9 Nonpayment of premium 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 Activities or omissions on your part which increase any hazard insured against including a failure to comply with loss control recommendations 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 Loss or decrease of our reinsurance covering all or part of the risk or exposure covered by the policy 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 Owner or occupant incendiarism Violation or breach by you of any policy terms or conditions Constructive or actual total loss of the covered Property 10 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 last address known to us and to the agent if any. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. LD2885b 201 Printed in the U.S.A. Page 1 of 2 | 2 |
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. The following sentence is added to paragraph E. If this policy is financed under a premium finance agreement and we cancel at the request of the premium finance company upon default of the first Named Insured any premium refund will be determined on a pro rata basis. 6. Proof of giving mailing or delivering notice of cancellation will be sufficient proof of notice. 7. We will provide you will the 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 B.1 above. Ill. The following supersedes any provision to the contrary NONRENEWAL A If we elect not to renew this policy we will give mail or deliver to the first Named Insured and agent if any written notice of nonrenewal at least 30 days before 1. The expiration date of the policy or 2. An anniversary date of the policy if the policy is written for a term longer than one year or with no fixed expiration date. However we need not give mail or deliver this notice if 1. We have offered to issue a renewal policy or 2. The first Named Insured has obtained or has agreed in writing to obtain replacement coverage. Authorized Agent LD2885b 201 Printed in the U.S.A. Page 2 of 2 | 2 |
SOUTH CAROLINA CHANGES CANCELLATION NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 59 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. A. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured and the agent 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. 3. We will mail or deliver our notice to the first Named Insured s and agent s last known addresses. 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. 7. Cancellation Of Policies In Effect For 120 Days Or More If this policy has been in effect for 120 days or more or is a renewal or continuation of a policy we issued we may cancel this policy only for one or more of the following reasons a. Nonpayment of premium b. Material misrepresentation of fact which if known to us would have caused us not to issue the policy c. Substantial change in the risk assumed except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing the policy d. Substantial breaches of contractual duties conditions or warranties or e. Loss of our reinsurance covering all or a significant portion of the particular policy insured or where continuation of the policy would imperil our solvency or place us in violation of the insurance laws of South Carolina. Prior to cancellation for reasons permitted in this Item e. we will notify the Commissioner in writing at least 60 days prior to such cancellation and the Commissioner will within 30 days of such notification approve or disapprove such action. Any notice of cancellation will state the precise reason for cancellation. LD2S86b 0810 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
B. The following is added and supersedes any provisions to the contrary Nonrenewal 1. However we will not refuse to renew a policy issued for a term of more than one year until expiration of its full term if anniversary renewal has been guaranteed by additional premium consideration. 2. If we decide not to renew this policy we will a. Mail or deliver written notice of nonrenewal to the first Named Insured and agent if any before 1 The expiration date of this policy if the policy is written for a term of one year or less or 2 An anniversary date of this policy if the policy is written for a term of more than one year or for an indefinite term and b. Provide at least 1 60 days notice of nonrenewal when nonrenewal is to become effective between November 1 and May 31 or 2 90 days notice of nonrenewal when nonrenewal is to become effective between June 1 and October 31. 3. Any notice of nonrenewal will be mailed or delivered to the first Named Insured s and agent s last known addresses. If notice is mailed proof of mailing will be sufficient proof of notice. 4. Any notice of nonrenewal will state the precise reason for nonrenewal. Authorized Representative LD2S86b 0810 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 | 2 |
TENNESSEE CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 60 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. We may cancel this policy by mailing or delivering to the first Named Insured 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. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. If this policy is cancelled we will send the first Named Insured any premium refund due. The refund will be pro rata if a. We cancel or b. The policy is cancelled at the request of a premium finance company that has financed this policy under a premium finance agreement. The refund may be less than pro rata if the first Named Insured cancels the policy. The cancellation will be effective even if we have not made or offered a refund. If notice is mailed proof of mailing will be sufficient proof of notice. If this policy has been in effect for 60 days or more or if this policy 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 including any additional premium calculated in accordance with our current rating manual justified by a physical change in the insured property or a change in its occupancy or use b. Your conviction of a crime increasing any hazard insured against c. Discovery of fraud or material misrepresentation on the part of either of the following 1. You or your representative in obtaining this insurance or 2. You in pursuing a claim under this policy d. Failure to comply with written loss control recommendations e. Material change in the risk which increases the risk of loss after we issued or renewed insurance coverage LD2S88a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 2 | 2 |
f. Determination by the insurance commissioner that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of Tennessee or any other state g. Your violation or breach of any policy terms or conditions or h. Other reasons that are approved by the insurance commissioner. Notice of cancellation will state the reason for cancellation. The following Conditions supersede any provisions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured and agent at least 60 days before the expiration date unless a. We have offered to issue a renewal policy or b. You have obtained replacement coverage or have agreed in writing to obtain replacement coverage. 2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured s and agent s addresses shown in the policy. If notice is mailed proof of mailing will be sufficient proof of notice. PREMIUMS Whenever an insurance policy which is financed with a premium finance company is cancelled the insurer shall return within 30 days after the effective date of the cancellation whatever gross unearned premiums are due under the insurance policy directly to the premium finance company for the account of the first Named Insured. Authorized Agent LD2S88a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
TEXAS CHANGES CANCELLATION AND NONRENEWAL PROVISIONS FOR CASUALTY LINES AND COMMERCIAL PACKAGE POLICIES Named Insured Endorsement Number URS Topco Corporation 61 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XsL G71453455 06012020 to 06012021 Tssued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. I. The Cancellation Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation stating the reason for cancellation at least 10 days before the effective date of cancellation. However if this policy covers a condominium association and the condominium property contains at least one residence or the condominium declarations conform with the Texas Uniform Condominium Act then the notice of cancellation as described above will be provided to the First Named Insured 30 days before the effective date of cancellation. We will also provide 30 days written notice to each unit owner to whom we issued a certificate or memorandum of insurance by mailing or delivering the notice to each last mailing address known to us. The permissible reasons for cancellation are as follows a. If this policy has been in effect for 60 days or less we may cancel for any reason except that under the provisions of the Texas Insurance Code we may not cancel this policy solely because the policyholder is an elected official. b. If this policy has been in effect for more than 60 days or if it is a renewal or continuation of a policy issued by us we may cancel only for one or more of the following reasons 1 Fraud in obtaining coverage 2 3 Anincrease in hazard within the control of the insured which would produce an increase in rate Failure to pay premiums when due 4 Loss of our reinsurance covering all or part of the risk covered by the policy or 5 If we have been placed in supervision conservatorship or receivership and the cancellation is approved or directed by the supervisor conservator or receiver. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 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. The following Condition supersedes any provision to the contrary NONRENEWAL 1. We may elect not to renew this policy except that under the provisions of the Texas Insurance Code we may not refuse to renew this policy solely because the policyholder is an elected official. LD2S89a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 10f 2 | 2 |
This Paragraph 2. applies unless the policy qualifies under Paragraph 3. below. If we elect not to renew this policy we may do so by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal stating the reason for nonrenewal at least 60 days before the expiration date. If notice is mailed or delivered less than 60 days before the expiration date this policy will remain in effect until the 61st day after the date on which the notice is mailed or delivered. Earned premium for any period of coverage that extends beyond the expiration date will be computed pro rata based on the previous year s premium. If this policy covers a condominium association and the condominium property contains at least one residence or the condominium declarations conform with the Texas Uniform Condominium Act then we will mail or deliver written notice of nonrenewal at least 30 days before the expiration or anniversary date of the policy to a. The first Named Insured and b. Each unit owner to whom we issued a certificate or memorandum of insurance. We will mail or deliver such notice to each last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. The transfer of a policyholder between admitted companies within the same insurance group is not considered arefusal to renew. LD2S89a 0201 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 2 of 2 | 2 |
UTAH CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 62 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. The Cancellation Condition is replaced by the following 1. 8. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for Nonpayment of premium. b. 30 days before the effective date of cancellation if we cancel for any other reason. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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. If notice is mailed proof of mailing will be sufficient proof of notice. If this policy has been in effect for more than 60 days or if this is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons a. Nonpayment of premium b. Material misrepresentation c. Substantial change in the risk assumed unless we should reasonably have foreseen the change or contemplated the risk when entering the contract or d. Substantial breaches of contractual duties conditions or warranties. Notice of cancellation must be delivered or mailed by first class mail. The following Condition supersedes any provisions to the contrary NONRENEWAL 1. If we elect to not renew this policy we will mail by first class mail written notice of nonrenewal to the first Named Insured at the last mailing address known to us at least 30 days before the expiration or anniversary date of this policy. We need not mail this notice if a. You have accepted replacement coverage b. You have requested or agreed to nonrenewal or c. This policy is expressly designated as nonrenewable. If notice is mailed proof of mailing is sufficient proof of notice. Authorized Agent Includes copyrighted material of Insurance Services Office Inc. Page 1 of 1 with its permission LD2890b 0201 Printed in U.S.A Page 1 of 1 | 2 |
VIRGINIA CHANGES CANCELLATION AND NONRENEWAL Named Insured Endorsement Number URS Topco Corporation 63 Policy Symbol Policy Number Policy Period Effective Date of Endorsement XSL G71453455 06012020 to 06012021 Issued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation of nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. I. The Cancellation Condition is replaced by the following A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. We may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation stating the reason for cancellation at least a. 15 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 45 days before the effective date of cancellation if we cancel for any other reason. We will send written notice in accordance with Virginia Law or deliver written notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 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 cancelled 1 Atourrequest 2 Because you no longer have a financial or insurable interest in the property or business operation that is the subject of insurance 3 And rewritten by us or a member of our company group or 4 After the first year if it is a prepaid policy written for a term of more than one year. b. When this Policy is cancelled at your request except when Paragraph a.2 a.3 or a.4 applies we will return 90 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. In addition earned premium will not be less than our policy writing minimum premium. LD2892d 1215 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 0of 2 | 2 |
II. The following is added and supersedes any other provision to the contrary NONRENEWAL A If we elect not to renew this Policy we will mail or deliver a notice of nonrenewal to the first Named Insured shown in the Declarations stating the reason for nonrenewal at least 1. 15 days before the expiration date if the nonrenewal is due to nonpayment of premium or 2. 45 days before the expiration date if the nonrenewal is for any other reason.. We will send written notice in accordance with Virginia Law or deliver written notice of nonrenewal 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. Authorized Representative LD2892d 1215 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 | 2 |
WASHINGTON CHANGES CANCELLATION AND NONRENEWAL Named Insured URS Topco Corporation Endorsement Number 64 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Tssued By Name of Insurance Company ACE American Insurance Company Insert the policy number. The remainder of the information is to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. If the policy or coverage part to which this endorsement applies contains cancellation or nonrenewal provisions more favorable to the Named Insured than this endorsement then those provisions apply. The Cancellation Condition is replaced by the following A. You may cancel this policy by mailing or delivering to us advance written notice of cancellation. B. We may cancel this coverage part by mailing or delivering to the first Named Insured the first Named Insured s agent or broker and any other person shown in this policy to have an interest in any loss which may occur under this policy written notice of cancellation including the actual reason for the cancellation to the last mailing addresses known to us at least 1. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2. 45 days before the effective date of cancellation if we cancel for any other reason. C. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. D. If this policy is cancelled we will send the Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund will be at least 90 of the pro rata refund. The cancellation will be effective even if we have not made or offered a refund. E. If notice is mailed proof of mailing will be sufficient proof of notice. The following Condition supersedes any condition to the contrary When We Do Not Renew We may elect not to renew this coverage part by mailing or delivering written notice of nonrenewal to the First Named Insured the first Named Insured s agent or broker and any other person shown in this policy to have an interest in any loss which may occur under this policy at the last mailing addresses known to us provided that we give at least 45 days written notice of nonrenewal including the actual reason for nonrenewal. Otherwise we will renew this coverage part unless A. The Named Insured fails to pay the renewal premium after we have expressed our willingness to renew including a statement of the renewal premium to the first Named Insured and the first Named Insured s agent or broker at least 20 days before the expiration date or B. Other coverage acceptable to the insured has been procured prior to the expiration date of the policy. Authorized Agent LD2893 392 Printed in U.S.A. Page 1 of 1 | 2 |
WASHINGTON CHANGES DEFENSE COSTS Named Insured URS Topco Corporation Endorsement Number 65 Policy Symbol XSL Policy Number G71453455 Policy Period 06012020 to 06012021 Effective Dale of Endorsement Issued By Name of Insurance Company ACE American Insurance Company insert the policy number. The remainder of the information s to be completed only when this endorsement is issued subsequent to the preparation of the policy. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following EXCESS COMMERCIAL GENERAL LIABILITY POLICY Solely with respect to claims made or suits brought in the state of Washington the following is added to Paragraph 1.a. Insuring Agreement of Section Coverages and applies to any other provision in the policy that sets forth a duty to defend If we initially defend an insured or pay for an insured s defense but later determine that none of the claims for which we provided a defense or defense costs are covered under this insurance we have the right to reimbursement for the defense costs we have incurred. 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. Authorized Representative XS38020 1113 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY PRIOR POLICY 5D2 56 23 GENERAL LIABILTITY DECLARATIONS POLICY PERIOD FROM 030116 TO 030117 POLICY NUMBER 5D2 56 2 3 17 S NAMED INSURED PRODUCER BEDFORD AVENUE JOINT VENTURE LOCKTON COMPANIES LLC C0 CB RICHARD ELLIS MEGA 1015 N 98TH ST STE 101 11213 DAVENPORT ST STE 300 OMAHA NE 68114 2357 OMAHA NE 68154 2604 AGENT AB 8210 AGENT PHONE 402 970 6100 DIRECT BILL ROBERT D. HARRY INSURED IS JOINT VENTURE BUSINESS DESC PROPERTY OWNER EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 100000 ANY ONE PREMISES MEDICAL EXPENSE LIMIT 5000 ANY ONE PERSON PERSONAL AND ADVERTISING INJURY LIMIT 1000000 ANY ONE PERSON OR ORGANIZATION GENERAL AGGREGATE LIMIT 3000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 3000000 COVERAGES PROVIDETD PREMIUM TOTAL ESTIMATED POLICY PREMIUM 620.00 SEE ATTACHED SCHEDULE FOR LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED. FORMS APPLICABLE G00010413 CG20110413 CG21060514 CG21471207 G21700115 CG21760115 CG7001A1012 CG70031013 CG71910814 CG82840914 IL00210502 IL02590907 IL70280515 IL7131A0401 IL80210488 IL8383.2A0115 IL8384A0108 IL85760909 Refer to prior distributions for any forms not attached DATE OF ISSUE 020416 BPP FORM CG7000A ED. 08 99 BPP 121715 003 AJ 5D25623 1701 GENERAL LIABILTITY D E POLICY PERIOD FROM 030116 TO 030117 C0 CB RICHARD ELLIS MEGA 1015 N 98TH ST STE 101 11213 DAVENPORT ST STE 300 OMAHA NE 68114 2357 OMAHA NE 68154 2604 AGENT AB 8210 AGENT PHONE 402 970 6100 EACH OCCURRENCE LIMIT DAMAGE TO PREMISES RENTED TO YOU LIMIT MEDICAL EXPENSE LIMIT PERSONAL AND ADVERTISING INJURY LIMIT GENERAL AGGREGATE LIMIT 1000 00 100 00 500 1000 00 TOTAL ESTIMATED POLICY PREMIUM 620.00 CG21700115 CG21760115 CG7001A1012 CG70031013 CG71910814 CG82840914 IL00210502 IL02590907 IL70280515 IL7131A0401 IL80210488 IL8383.2A0115 IL8384A0108 IL85760909 Refer to prior distributions for any forms not attached | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5D2 56 23 17 BEDFORD AVENUE JOINT VENTURE EFF DATE 030116 EXP DATE 030117 GENERATL L Cc ENDORSEMENT SCHEDULE EDITION FORM DATE DESCRIPTION ADDITIONAL INFORMATION PREMIUM CG0001 04 13 COMMERCIAL GEN LIABILITY COV FORM CG2011 04 13 AI MANAGERS OR LESSORS OF PREMISES NAME CB RICHARD ELLIS MEGA 11213 DAVENPORT ST STE 300 OMAHA NE 68154 PREM OPS ADDRESS 9205 BEDFORD AVE OMAHA NE 68132 CG2106 05 14 EXCL ACCESS DISCL OF CONFID PERSONAL CG2147 12 07 EXCL EMPLOYMENT RELATED PRACTICES CG2170 01 15 CAP LOSSES FROM CERT ACTS TERRORISM CG2176 01 15 EXCL PUNITIVE DMGS ACTS OF TERRORISM CG7001A 10 12 GENERAL LIABILITY SCHEDULE CG7003 10 13 GL QUICK REFERENCE OCCURRENCE CG7191 08 14 GENERAL LIAB ESSENTIAL EXTENSION CG8284 09 14 ADVISORY NOTICE TO POLICYHOLDERS IL0021 05 02 NUCLEAR ENERGY LIAB EXCL BROAD FORM IL0259 09 07 NE CHANGES CANCELLATION NONRENEWAL IL7028 05 15 ASBESTOS EXCLUSION IL7131A 04 01 COMML POLICY ENDORSEMENT SCHEDULE IL8021 04 88 ASBESTOS NOTICE IL8383.2A 01 15 DISCL PURSUANT TERRSM RISK INS. ACT 5 IL8384A 01 08 TERRORISM NOTICE IL8576 09 09 MEDICARE IMPT NOTICE TO POLICYHOLDER DATE OF ISSUE 020416 FORM IL7131A ED. 04 01 003 AJ 5D25623 1701 EDITION CG2106 CG2147 CG2170 CG2176 CG7001A CG7003 CG7191 CG8284 IL0021 IL0259 IL7028 IL7131A IL8021 IL8383.2A IL8384A IL8576 04 13 05 14 12 07 01 15 01 15 10 12 10 13 08 14 09 14 05 02 09 07 05 15 04 01 04 88 01 15 01 08 09 09 AI MANAGERS OR LESSORS OF PREMISES NAME CB RICHARD ELLIS MEGA 11213 DAVENPORT ST STE 300 OMAHA NE 68154 PREM OPS ADDRESS 9205 BEDFORD AVE OMAHA NE 68132 EXCL ACCESS DISCL OF CONFID PERSONAL EXCL EMPLOYMENT RELATED PRACTICES CAP LOSSES FROM CERT ACTS TERRORISM EXCL PUNITIVE DMGS ACTS OF TERRORISM GENERAL LIABILITY SCHEDULE GL QUICK REFERENCE OCCURRENCE GENERAL LIAB ESSENTIAL EXTENSION ADVISORY NOTICE TO POLICYHOLDERS NUCLEAR ENERGY LIAB EXCL BROAD FORM NE CHANGES CANCELLATION NONRENEWAL ASBESTOS EXCLUSION COMML POLICY ENDORSEMENT SCHEDULE ASBESTOS NOTICE DISCL PURSUANT TERRSM RISK INS. ACT TERRORISM NOTICE MEDICARE IMPT NOTICE TO POLICYHOLDER | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5D2 56 23 17 BEDFORD AVENUE JOINT VENTURE EFF DATE 030116 EXP DATE 030117 TERRORTISM NOTTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent DATE OF ISSUE 020416 FORM IL8384A 01 08 003 AJ 5D25623 1701 BEDFORD AVENUE JOINT VENTURE EFF DATE 030116 EXP DATE 0301 TERRORTISM NOTTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent TERRORTISM NOTTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent | 2 |
NE INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5D2 56 23 17 BEDFORD AVENUE JOINT VENTURE EFF DATE 030116 EXP DATE 030117 THIS DISCLOSURE IS ATTACHED TO YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS DISLOSURE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. SCHEDUTLE Terrorism Premium Certified Acts 5.00 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 terrorism acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this disclosure or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. For losses occurring in 2015 the federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. Beginning on January 1 2016 the federal share will decrease by one percentage point per calendar year until equal to 80 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. 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. The following statement is required to be part of the disclosure notice in MISSOURI The premium above is for certain losses resulting from certified acts of terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your policy carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. Includes copyrighted material of ISO Properties Inc. with its permission DATE OF ISSUE 020416 FORM IL8383.2A01 15 003 AJ 5D25623 1701 THIS DISCLOSURE IS ATTACHED TO YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS DISLOSURE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. SCHEDUTLE Terrorism Premium Certified Acts 5.00 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 terrorism acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this disclosure or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. For losses occurring in 2015 the federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insur retention. Beginning on January 1 2016 the federal share will decrease by one percentage point per calendar year until equal to 80 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 sha not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calend 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 Treasur The following statement is required to be part of the disclosure notice in MISSOURI The premium above is for certain losses resulting from certified acts terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your poli carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. Includes copyrighted material of ISO Properties Inc. with its permission SCHEDUTLE i m Certified Acts 5.00 th the federal Terrorism Risk Insurance Act we are side you with a notice disclosing the portion of any attributable to coverage for terrorism acts the Terrorism Risk Insurance Act. The portion of ributable to such coverage is shown in the Schedule ire or in the policy Declarations. deral Participation In Payment Of Terrorism Losses s Government Department of the Treasury will pay In Payment Of Terrorism Losses | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 5D2 56 23 BEDFORD AVENUE JOINT VENTURE EFF DATE 030116 EXP DATE 030117 GENERAL LIABILITY SCHEDUTLE PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM LOCATION 001 61217 BLDGS OR PREM BANK OR OFFICE MERCANTILE OR MFG.MAINT BY INSURED LESSOR S RISK ONLY 1 4 PREMIUM BASIS THOUSANDS OF AREA EXPOSURE 9280 SUBLINE 334 ADDITIONAL INTEREST 1 334 50 CB RICHARD ELLIS MEGA MANAGERS OR LESSORS OF PREMISES CG2011 POLICY LEVEL COVERAGES COVERAGES LIMIT OF INSURANCE PREMIUM GENERAL LIABILITY ESSENTIAL EXTENSION 75 PREMIUM FOR CERTIFIED ACTS OF TERRORISM 5.00 TOTAL ESTIMATED POLICY PREMIUM 620.00 1 OTHER THAN NOT FOR PROFIT 2 NOT FOR PROFIT 3 INCLUDING PRODUCTS AND OR COMPLETED OPERATIONS UNLESS OTHERWISE EXCLUDED 4 PRODUCTS COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE LIMIT 5 A 250 PD DEDUCTIBLE PER CLAIM APPLIES TO CUSTOMERS AUTOS UNLESS OTHERWISE DESIGNATED BY THIS CLASSIFICATION CODE 6 FOR SPRAY PAINTING OPERATIONS A PD DEDUCTIBLE OF 250 PER CLAIM APPLIES UNLESS A HIGHER DEDUCTIBLE IS OTHERWISE DESIGNATED FOR THIS CLASSIFICATION CODE LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED RATED LOCATIONS LOC 001 9205 BEDFORD AVE OMAHA NE 68134 4725 DATE OF ISSUE 020416 BPP FORM CG7001A ED.10 12 BPP 121715 003 AJ 5D25623 1701 1 334 CLASSIFICATION CODE LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED RATED LOCATIONS LOC 001 9205 BEDFORD AVE OMAHA NE 68134 4725 | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 5D2 56 23 BEDFORD AVENUE JOINT VENTURE TRANSACTION RENEWAL01 PRIOR POL 5D2 56 23 TRANSACTION INFORMATION POLICY TERM 03012016 TO 03012017 TRANS DATE 03012016 ACCOUNT NAME BEDFORD AVENUE JOINT VENTURE CO BR AGENT A B8210 ACCOUNT MAILING STATE NE PROGRAM FINANCING N BILLING METHOD D CDB AUDIT FREQUENCY N PROFIT SHARE Y SIC 6512 ACCOUNT ORIGINAL EFF DATE 03012015 TYPE OF POLICY OFFICE 33 ACCOUNT FEIN TRANS PREMIUM 620.00 POLICY ID BA COMMISSION 15.0 PREMIUM 620.00 ACCOUNT DOMICILE STATE NE DATE OF ISSUE 020416 BPP STAT GL BPP 121715 003 AJ 5D25623 1701 3EDFORD AVENUE JOINT VENTURE TRANSACTION INFORMATIOI RIOR POL 5D2 56 23 IS DATE 03012016 SR AGENT A B8210 SRAM ING METHOD D CDB IT SHARE Y POLICY TERM 03012016 TO 03012017 ACCOUNT NAME BEDFORD AVENUE JOINT VENTURE ACCOUNT MAILING STATE NE FINANCING N AUDIT FREQUENCY N SIC 6512 ACCOUNT ORIGINAL EFF DATE 03012015 ACCOUNT FEIN POLICY ID BA COMMISSION 15.0 1IUM | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section lll Limits Of Insurance and Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. 3 2 CG 00010413 Insurance Services Office Inc. 2012 Page 1 0f 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. b This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste c Which are or were at any time transported handled stored treated disposed of or processed as waste by orfor i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. iii CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured Liability assumed wunder any insured contract for the ownership maintenance or use of aircraft or watercraft or 4 5 Bodily injury or property damage arising out of a The operaton of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you b 3 2 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. 6. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it.. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section lll Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. j Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. I. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. f. Products Completed Operations Hazard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. e. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract o. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit b c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b c d c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION Il LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner iii That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitted to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document.. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. lmpaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. 2 3 CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 2 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. 12.Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers f. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your advertisement. 15.Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 20.Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organizaton whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20110413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises Part Leased To You Name Of Persons Or Organizations Additional Insured Additional Premium Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability arising out of the ownership maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions This insurance does not apply to 1. Any occurrence which takes place after you cease to be a tenant in that premises. 2. Structural alterations new construction or demolition operations performed by or on behalf of the persons or organizations shown in the Schedule. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20110413 Insurance Services Office Inc. 2012 Page 1 0of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 2106 0514 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to p. Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. CG 21060514 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 CG 21471207 ISO Properties Inc. 2006 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. If aggregate insured losses attributable to terrorist acts certified under the federal 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. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such 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. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. 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. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21700115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21760115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising directly or indirectly out of a certified act of terrorism that are awarded as punitive damages. B. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such 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.. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. 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. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21760115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY QUICK REFERENCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM OCCURRENCE COVERAGE READ YOUR POLICY CAREFULLY DECLARATIONS PAGES Named Insured And Mailing Address Policy Period Description Of Business And Location Coverages And Limits Of Insurance SECTION COVERAGES Coverage A Bodily Injury And Property Damage Liability Coverage B Personal And Advertising Injury Liability Coverage C Medical Payments Supplementary Payments..................... SECTION Il WHO ISAN INSURED............ SECTION Il LIMITS OF INSURANCE................ it Insuring Agreement. Exclusions Insuring Agreement.............. Exclusions Insuring Agreement. Exclusions SECTION IV COMMERCIAL GENERAL LIABILITYCONDITIONS........................... Bankruptcy Duties In The Event Of Occurrence Offense Claim Or Suit Legal Action Against Us Other Insurance.. Premium Audit. Representations Separation Of Insureds..................... Transfer Of Rights Of Recovery Against Others To Us When We Do Not Renew... SECTIONV DEFINITIONS.................. COMMON POLICY CONDITIONS Cancellation Changes Examination Of Your Books And Records Inspections And Surveys Premiums Transfer Of Your Rights And Duties Under This Policy ENDORSEMENTS If Any Beginning on Page CG700310 13 Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY ESSENTIAL EXTENSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended to include the following clarifications and extensions of coverage. The provisions of the coverage part apply unless modified by endorsement. A. EXPECTED OR INTENDED INJURY Any payment we make for damages because of Section Coverage A Exclusion a. is amended as follows a. Bodily injury or property damage expected or intended from the standpoint of an insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. NON OWNED WATERCRAFT Section Coverage A Exclusion g.2 is amended as follows 2 A watercraft you do not own that is a Less than 51 feet long and b Not being used to carry persons or property for a charge EXTENDED PROPERTY DAMAGE COVERAGE Section Coverage A Exclusions j.3 and 4 is amended to add the following Paragraphs 3 and 4 of this exclusion do not apply to tools or equipment loaned to you provided they are not being used to perform operations at the time of loss. SCHEDULE Limits Of Insurance Deductible 2500 Each Occurrence 250 Per Claim 5000 Annual Aggregate a. The each occurrence limit listed above is the most we will pay for all damages because of property damage to property in the care custody and control of or property loaned to an insured as the result of any one occurrence regardless of the number of 1 insureds 2 claims made or suits brought 3 persons or organizations making claims or bringing suits. The aggregate limit listed above is the most we will pay for all damages because of property damage to property in the care custody and control of or property loaned to an insured during the policy period. property damage to property in the care custody and control of or property loaned to an insured will apply against the General Aggregate Limit shown in the declarations. b. Our obligation to pay damages on your behalf applies only to the amount of damages in excess of the deductible amount listed above. We may pay any part or all of the deductible amount listed above. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification by us you will promptly reimburse us for that part of the deductible we paid. c. If two or more coverages apply under one occurrence only the highest per claim deductible applicable to these coverages will apply. d. Insurance provided by this provision is excess over any other insurance whether primary excess contingent or any other basis. Since insurance provided by this endorsement is excess we will have no duty to defend any claim or suit to which insurance provided by this endorsement applies if any other insurer has a duty to defend such a claim or suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. PROPERTY DAMAGE ELEVATORS Section Coverage A Exclusions paragraphs j3 j4 j.6 and k. do not apply to the use of elevators. The insurance afforded by this provision is excess over any valid and collectible property insurance including any deductible available to the insured and Section IV Commercial General Liability Conditions paragraph 4. Other Insurance is changed accordingly. FIRE LIGHTNING OR EXPLOSION DAMAGE Except where it is used in the term hostile fire the word fire includes fire lightning or explosion wherever it appears in the Coverage Form. Under Section Coverage A the last paragraph after the exclusions is replaced with the following CGT1918 14 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f3 | 2 |
Exclusions c. through n. do not apply to damage by fire smoke or leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits of Insurance. MEDICAL PAYMENTS If Section Coverage C. Medical Payments Coverage is not otherwise excluded from this Coverage Form The requirement in the Insuring Agreement of Coverage C. that expenses must be incurred and reported to us within one year of the accident date is changed to three years.. SUPPLEMENTARY PAYMENTS Supplementary Payments Coverages A and B Paragraphs 1.b. and 1.d. are replaced by the following 1.b. Up to 3000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 1.d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 350 a day because of time off from work.. SUBSIDIARIES AS INSUREDS Section Il Who Is An Insured is amended to add the following 1.f. Any legally incorporated subsidiary in which you own more than 50 of the voting stock on the effective date of this policy. However insured does not include any subsidiary that is an insured under any other general liability policy or would have been an insured under such a policy but for termination of that policy or the exhaustion of that policy s limits of liability. HEALTH CARE SERVICE PROFESSIONALS AS INSUREDS INCIDENTAL MALPRACTICE Section Il Who is an Insured paragraph 2.a. 1 d is amended as follows This provision does not apply to Nurses Emergency Medical Technicians or Paramedics who provide professional health care services on your behalf. However this exception does not apply if you are in the business or occupation of providing any such professional services. NEWLY FORMED OR ACQUIRED ORGANIZATIONS Section Il Who Is An Insured paragraph 3.a. is replaced by the following 3.a. Coverage under this provision is afforded until the end of the policy period. do not apply to damage by om automatic fire protection while rented to you or you with permission of the of insurance applies to this in Section Il Limits of ge C. Medical Payments rwise excluded from this e Insuring Agreement of nses must be incurred and e year of the accident date s. YMENTS nts Coverages A and B 1.d. are replaced by the ost of bail bonds required ts or traffic law violations of any vehicle to which the Coverage applies. We do 1ese bonds. ses incurred by the insured at t us in the investigation or or suit including actual loss 50 a day because of time off UREDS Insured is amended to add ated subsidiary in which you of the voting stock on the s policy. However insured any subsidiary that is an ther general liability policy 1 an insured under such a wation of that policy or the olicy s limits of liability. CE PROFESSIONALS AS AL MALPRACTICE Insured paragraph 2.a. 1 S pply to Nurses Emergency Paramedics who provide services on your behalf. does not apply if you are in tion of providing any such QUIRED ORGANIZATIONS Insured paragraph 3.a. is s provision is afforded until y period. Includes copyrighted material of ISO Properties Inc. with its permission. This provision does not apply if newly formed or acquired organizations coverage is excluded either by the provisions of the Coverage Form or by endorsements. K. DAMAGE TO PREMISES RENTED TO YOU Section Ill Limits of Insurance paragraph 6. is replaced by the following Subject to 5.a. above the Damage To Premises Rented To You Limit or 300000 whichever is higher is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire smoke or leakage from automatic protection systems while rented to you or temporarily occupied by you with permission of the owner. L. DUTIES IN THE EVENT OF OCCURRENCE OFFENSE CLAIM OR SUIT Section IV Commercial General Liability Condition paragraph 2. is amended to add the following e. The requirement in Condition 2.a. that you must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim applies only when the occurrence or offense is known to 1 You if you are an individual or a limited liability company 2 A partner if you are a partnership 3 A member or manager if you are a limited liability company 4 An executive officer or insurance manager if you are a corporation or 5 Atrustee if you are a trust. f. The requirement in Condition 2.b. that you must see to it that we receive notice of a claim or suit as soon as practicable will not be considered breached unless the breach occurs after such claim or suit is known to 1 You if you are an individual or a limited liability company 2 A partner if you are a partnership 3 A member or manager if you are a limited liability company 4 An executive officer or insurance manager if you are a corporation or 5 Atrustee if you are a trust. M. UNINTENTIONAL FAILURE TO DISCLOSE EXPOSURES Section IV Commercial General Liability Conditions paragraph 6. Representations is amended to add the following If you unintentionally fail to disclose any exposures existing at the inception date of your policy we will not deny coverage under the Coverage Form solely because of such failure to disclose. However this provision does not affect our right to collect additional premium or exercise our right of cancellation or non renewal. Page 2 0f 3 CG71918 14 Page 2 0f 3 | 2 |
This provision does not apply to any known injury or damage which is excluded under any other provision of this policy. MENTAL ANGUISH Section V Definition 3. is replaced by the following Bodily injury means bodily injury sickness or disease sustained by a person including mental anguish or death resulting from bodily injury sickness or disease. LIBERALIZATION If we revise this endorsement to provide greater coverage without additional premium charge we will automatically provide the additional coverage to all endorsement holders as of the day the revision is effective in your state. CGT1918 14 Includes copyrighted material of ISO Properties Inc. with its permission. Page 3 0f 3 | 2 |
COMMERCIAL GENERAL LIABILITY IMPORTANT NOTICE TO POLICYHOLDERS This Notice summarizes coverage changes that may affect your Commercial General Liability Coverage. No coverage is provided by this summary nor does it replace any provision of your policy. You should read your policy including all endorsements and review your declarations page for complete information on the coverage you are provided. If there is any conflict between the policy and this notice THE PROVISIONS OF THE POLICY SHALL PREVAIL. Some of the language of the new policy has been restated and repunctuated for clarity and readability but with no change in the coverage intent. Please contact your agent to discuss any questions. Your right to cancel the policy or remove endorsements remains unchanged. I. At renewal if no change is made your Commercial General Liability Policy will include a revised and enhanced edition of the following endorsement. The areas within the policy that broaden reduce or clarify coverage are highlighted below. GENERAL LIABILITY ESSENTIAL EXTENSION CG7191 REPLACING COMMERCIAL GENERAL LIABILITY AMENDMENT CG7191 BROADENING OF COVERAGE Damage to Premises Rented to You Fire Legal Liability limit is increased from 100000 to 300000 Expected or Intended Injury A new coverage Extended Property Damage for Borrowed Equipment and Customer Goods A new coverage is added at 2500 limit per Occurrence5000 limit per policy. A 250 Deductible applies. Newly Acquired Entities time period increased from 180 Days to Until the end of the policy period Health Care Service Professional as Insureds Incidental Malpractice A new coverage GENERAL LIABILITY ELITE EXTENSION CG7578 REPLACING LIABILITY EXTENSION ENDORSEMENT CG7578 BROADENING OF COVERAGE Additional Insured Primary and Non Contributory Extension A new coverage Included if required by contract Blanket Additional Insured A new coverage Included specified relationships if required by contract Damage to Premises Rented to You Fire Legal Liability limit is increased from 300000 to 500000 Fellow Employee Coverage A new coverage Medical Payments Limit Increased to 10000 Non owned Watercraft coverage Increased from Less than 51 ft. long to Less than 60 ft. long Supplementary Payments Limit Increased from 3000 bail bond limit and 350 loss of earnings to 5000 bail bond limit and 500 loss of earnings Waived Subrogation Transfer of Rights of Recovery Against Others To Us A new coverage If required by contract Health Care Service Professional as Insureds Incidental Malpractice A new coverage CG82849 14 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 2 | 2 |
II. Atrenewal depending on which form is on the policy you will also have the option to change your policy to remove or add either the CG7191 or the CG7578. If you elect this change the areas within the policy that broaden reduce or clarify coverage are highlighted below. GENERAL LIABILITY ELITE EXTENSION CG7578 REPLACING COMMERCIAL GENERAL LIABILITY AMENDMENT CG7191 BROADENING OF COVERAGE Additional Insured Primary and Non Contributory Extension A new coverage Included if required by contract Blanket Additional Insured A new coverage Included specified relationships if required by contract Damage to Premises Rented to You Fire Legal Liability limit is increased from 100000 to 500000 Expected or Intended Injury A new coverage Extended Property Damage for Borrowed Equipment and Customer Goods A new coverage is added at 5000 limit per Occurrence10000 limit per policy. A 250 Deductible applies. Fellow Employee Coverage A new coverage e Medical Payments Limit Increased to 10000 Newly Acquired Entities Time period increased from 180 Days to Until the end of the policy period Non owned Watercraft coverage Increased from Less than 51 ft. long to Less than 60 ft. long Supplementary Payments Limit Increased from 3000 bail bond limit and 350 loss of earnings to 5000 bail bond limit and 500 loss of earnings Waived Subrogation Transfer of Rights of Recovery Against Others To Us A new coverage If required by contract Health Care Service Professional as Insureds Incidental Malpractice A new coverage GENERAL LIABILITY ESSENTIAL EXTENSION CG7191 REPLACING LIABILITY EXTENSION ENDORSEMENT CG7578 BROADENING OF COVERAGE Health Care Service Professional as Insureds Incidental Malpractice A new coverage POTENTIAL REDUCTION OF COVERAGE The CG7191 does not include or reduces the following coverages Additional Insured Governmental subdivisions Ad nal Insured Lessor of leased equipment Additional Insured Managers of premises Extended Property Damage for Borrowed Equipment and Customer Goods Coverage The CG7191 provides lower limits for this coverage 5000 limit per occurrence10000 limit per policy is changed to 2500 limit per Occurrence5000 limit per policy. CG82849 14 Page 2 0of 2 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
IL 00 21 05 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Under writers Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any prop erty thereat. 2 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. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any prop erty thereat.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Spe cial nuclear material or by product material. 2 3 IL 00 21 05 02 ISO Properties Inc. 2001 Page 1 of 2 a | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the 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 radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2001 IL 00 21 05 02 m | 2 |
IL 02 59 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. Paragraphs 2. and 3. of the Cancellation Com mon Policy Condition are replaced by the follow ing 2. Cancellation Of Policies In Effect a. 60 Days Or Less If this policy has been in effect for 60 days or less we may cancel this policy for any reason. b. More Than 60 Days If this policy has been in effect for more than 60 days or if this is a renewal of a pol icy we issued we may cancel this policy only for one or more of the following rea sons 1 Nonpayment of premium 2 The policy was obtained through mate rial misrepresentation 3 Any insured has submitted a fraudulent claim 4 Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has sub stantially increased 6 Certification to the Director of Insurance of our loss of reinsurance which pro vided coverage to us for all or a sub stantial part of the underlying risk in sured or The determination by the Director of In surance that the continuation of the pol icy could place us in violation of the Ne braska Insurance Laws. c. If we cancel this policy subject to 2.a. or 2.b. above we will mail to the first Named Insured a written notice of cancellation stating the reasons for cancellation at least 1. 10 days before the effective date of can cellation if we cancel for nonpayment of premium or 2. 60 days before the effective date of can cellation if we cancel for any other rea son. 3. We will mail our notice by first class mail to the first Named Insured s last mailing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. IL 02 59 09 07 ISO Properties Inc. 2006 Page 1 of 2 a | 2 |
B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. C. The following is added and supersedes any provi sions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named In sured at least 60 days prior to the expiration date of this policy. 2. Any notice of nonrenewal will be mailed by first class mail to the first Named Insured s last mailing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. Page 2 of 2 ISO Properties Inc. 2006 IL 02 59 09 07 o | 2 |
INTERLINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS EXCLUSION This endorsement modifies insurance provided under the following BUSINESSOWNERS COVERAGE FORM COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM POLLUTION LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM RAILROAD PROTECTIVE LIABILITY COVERAGE FORM The policy does not apply to bodily injury personal injury or personal and advertising injury if defined as such in your policy or property damage including any associated clean up obligations arising out of the installation existence removal or disposal of asbestos or any substance containing asbestos fibers. 1L70285 15 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
ASBESTOS NOTICE The Asbestos Exclusion attached to this policy clarifies our intent not to provide this coverage. It should be noted that by virtue of the Pollution Exclusion little if any coverage is thought to have existed previously. Involvement with asbestos exposures should be directed to highly skilled asbestos contractors andor consultants that have specialized insurance programs. EMC Insurance Companies Form IL8021 Ed. 4 88 | 2 |
COMMERCIAL INTERLINE IMPORTANT NOTICE TO POLICYHOLDERS Re New Federal Claim Information Reporting Requirements New federal reporting requirements for claims involving parties potentially eligible for Medicare are now in place. With your continued cooperation EMC Insurance Companies will be able to meet these new reporting responsibilities. To help us comply with the new requirements you simply need to make sure you report all claims to your agent or EMC Insurance Companies. If you choose to pay a claim or attempt to settle a claim on your own you may become responsible for these new reporting requirements. For specific information on Section 111 of the Medicare Medicaid and SCHIP Extension Act of 2007 MMSEA P.L. 110 173 go to www.cms.hhs.govMandatorylnsRep or consult with your attorney. 1L85769 09 Page 1 0f 1 | 2 |
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