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COMMERCIAL GENERAL LIABILITY CG 21760108 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 2. The act is a violent act or an act that is dan This insurance does not apply to gerous to human life property or infrastructure pply and is committed by an individual or individuals TERRORISM PUNITIVE DAMAGES as part of an effort to coerce the civilian popu Damages arising directly or indirectly out of a lation of the United States or to influence the certified act of terrorism that are awarded as pu policy or affect the conduct of the United States nitive damages. Government by coercion. B. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury in con currence with the Secretary of State and the Attor ney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terror ism Risk Insurance Act for a certified act of terror ism 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 dan gerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian popu lation of the United States or to influence the policy or affect the conduct of the United States Government by coercion. CG 21760108 ISO Properties Inc. 2007 Page 10f1 o | 2 |
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POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG22741001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED CONTRACTUAL LIABILITY COVERAGE FOR PERSONAL AND ADVERTISING INJURY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Contract Or Agreement If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. With respect to the contract or agreement desig 2 Liability for personal and advertising nated in the Schedule above Subparagraph e. of injury if Paragraph 2. Exclusions of Section Coverage The liability pert 1 busi B Personal And Aivertising Injury Liabifity is ness and sisimidoige dLss replaced by the following ignated contract or agreement 2. Exclusions shown in the Schedule in which you assume the tort liability of an This insurance does not apply to other. Tort liability means a liabil e. Contractual Liability ity that would be imposed by law Personal and advertising injury for which in the absence of any contract or the insured has assumed liability in a con agreement tract or agreement. b The personal and advertising This exclusion does not apply to injury occurs subsequent to the execution of the designated con tract or agreement shown in the Schedule and c The personal and advertising 1 Liability for damages that the insured would have in the absence of the contract or agreement or POLICY NUMBER THIS ENDOF i 2 Liability for personal and advertising injury if a The liability pertains to your busi ness and is assumed in the des ignated contract or agreement shown in the Schedule in which you assume the tort liability of an other. Tort liability means a liabil ity that would be imposed by law in the absence of any contract or agreement b The personal and advertising injury occurs subsequent to the execution of the designated con tract or agreement shown in the Schedule and The personal and advertising injury arises out of the offenses of false arrest detention or im prisonment. c Page 10f 2 m ISO Properties Inc. 2001 CG22741001 | 2 |
Solely for the purposes of liability so as sumed in such designated contract or agreement reasonable attorney fees and necessary litigation expenses in curred by or for a party other than an in sured are deemed to be damages be cause of personal injury described in Paragraph A.2.e.2c above provided i Liability to such party for or for the cost of that party s defense has also been assumed in the same designated contract or agreement and i Such attorney fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this in surance applies are alleged. B. With respect to the contract or agreement desig nated in the Schedule above the following is added to Section I Supplementary Payments Coverages A And B If we defend an insured against a suit and an in demnitee 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 1. The suit against the indemnitee seeks dam ages for which the insured has assumed tort li ability of the indemnitee in a designated con tract or agreement shown in the Schedule if such liability pertains to your business. Tort li ability means a liability that would be imposed by law in the absence of any contract or agreement 2. This insurance applies to such liability assumed by the insured 3. The obligation to defend or the cost of the defense of that indemnitee has also been as sumed by the insured in the same designated contract or agreement 4. The allegations in the suit and the information we know about the offense are such that no conflict appears to exist between the interests of the insured and the interests of the indem nitee 5. The indemnitee and the insured ask us to con duct and control the defense of that indemnitee against such suit and agree that we can as sign the same counsel to defend the insured and the indemnitee and 6. The indemnitee a. Agrees in writing to 1 Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any de mands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coor dinating other applicable insurance available to the indemnitee and b. Provides us with written authorization to 1 Obtain records and other information related to the suit and 2 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 indem nitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supple mentary Payments. Notwithstanding the provisions of Paragraph A.2.e.2 of this endorsement such payments will not be deemed to be damages for personal and advertising injury as described in Paragraph A.2.e.2c above and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when 1. We have used up the applicable limit of insur ance in the payment of judgments or settle ments or 2. The conditions set forth above or the terms of the agreement described in Paragraph 6. above are no longer met. 3 4 Page 2 of 2 ISO Properties Inc. 2001 CG 22741001 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 22800798 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED EXCLUSION CONTRACTORS PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Para graph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising in jury arising out of the rendering of or failure to render any professional services by you but only with re spect to your providing engineering architectural or surveying services in your capacity as an engineer architect or surveyor. Professional services include 1. Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications and 2. Supervisory or inspection activities performed as part of any related architectural or engineering ac tivities. This exclusion does not apply to your operations in connection with construction work performed by you or on your behalf. CG 228007 98 Copyright Insurance Services Office Inc. 1997 Page 1 of 1 a | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR INJURY TO CO EMPLOYEES AND OR YOUR OTHER VOLUNTEER WORKERS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Specific Employees Volunteer Workers or Specific Job Titles If no entry appears above the information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. The following is added to Paragraph 2.a.1 of C. The following is added to Paragraph 4. Other Section Il Who Is An Insured Insurance Condition under Section IV Paragraphs a b and above do not apply to Commercial General Liability Conditions the specific employees or volunteer workers The coverage provided by this endorsement is or any employees or volunteer workers holding excess over any other valid and collectible the specific job titles designated in the Schedule insurance that covers the liability of the designated of this endorsement with respect to bodily injury employees or volunteer workers or an to a coemployee or other volunteer worker. employee or volunteer worker holding a job title B. Section Il Who Is An Insured paragraph 4.a. designated in the Schedule of this endorsement. does not apply to any employees or volunteer workers holding a specific covered position designated in the Schedule of this endorsement. CG71401 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1of 1 | 2 |
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Commercial General Liability THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENDED PROPERTY DAMAGE COVERAGE Schedule Limits of Insurance Deductible 5000 Each Occurrence 250 Per Claim 25000 Annual Aggregate Insuring Agreement We will pay for loss to personal property of others including the loss of use of such property while in your care custody or control or personal property over which you for any purpose are exercising physical control when 1. loss arises out of operations away from your premises 2. lossis incidental to your normal business operations and 3. you have property damage liability coverage for that business under the coverage form to which this endorse ment is attached. Loss means unintentional damage or destruction but does not include disappearance or obstruction. Exclusions The coverage under this endorsement does not apply to loss to 1. property held by you for servicing repair storage or sale on premises you own rent occupy or otherwise con trol 2. property while being transported by or caused by the ownership maintenance operation use loading or un loading of any automobile watercraft or aircraft 3. property you own rent or occupy 4 real property. Limit of Insurance The limit of insurance stated in the Schedule of Limits as each occurrence is the most we will pay for all damages on account of each claim or suit covered under this endorsement. The limit of insurance stated in the Schedule of Limits as Annual Aggregate is subject to the above provision respecting each claim the total limit of our liability for all damages under this endorsement in any one policy period. Deductible We will not be liable on account of any loss except to the extent such loss is in excess of the deductible amount stated in the Schedule of Limits with the insurance then applying to such excess only subject otherwise to the appli cable limits of insurance. The terms of the policy with respect to your duties in the event of occurrence claim or suit and our right to investi gate negotiate and settle any claim or suit apply irrespective of the application of the deductible amount. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you will promptly reimburse us for any part of the deductible amount as has been paid by us. Settlement in the event of loss covered by this endorsement you will if requested by us replace the property or furnish the labor and materials necessary for repairs at actual cost to you excluding prospective profit or overhead charges of any nature. Any property so paid for or replaced at our option becomes our property. Payment will not constitute an admission of any liability on your part. Other Insurance If any other insurance carried by you applies to a loss covered by this endorsement this endorsement will not ap ply. Nothing herein contained will be held to alter vary or waive any of the agreements conditions or declarations of this policy except as herein stated. Form CG7141 Ed. 5 90 | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED CONSTRUCTION CONTRACTS INCLUDING COMPLETED OPERATIONS This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section Il Who Is An Insured is amended to include as an additional insured any person or organization when you have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions 2. The acts or omissions of those acting on your behalf in the performance of a. your ongoing operations for the additional insured or b. Your work for the additional insured and included in the products completed operations hazard. B. With respect to the insurance afforded to these additional insureds the following additional exclusion applies This insurance does not apply to bodily injury property damage and personal and advertising injury arising out of the rendering of or failure to render any professional architectural engineering or surveying services including a. The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b. Supervisory inspection architectural or engineering activities. C. The limits of insurance applicable to the additional insured are those specified in the Declarations of this policy or in the written contract or written agreement whichever is lower. D. Any coverage provided hereunder shall be excess over any other valid and collectible insurance available to the additional insured whether that insurance is primary excess contingent or on any other basis unless you and the additional insured have specifically agreed in a written contract or written agreement that this insurance be primary. When coverage is provided on a primary basis we will not seek contribution from any other insurance available to the additional insured if a written contract or written agreement requires that this insurance be noncontributory. E. All other terms and conditions of this policy remain unchanged. CG717431 08 Includes copyrighted materiai of ISO Properties Inc. with its permission. Pageiol 1 | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY AMENDMENT 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. NEWLY FORMED OR ACQUIRED E. FIRE LIGHTNING OR EXPLOSION DAMAGE ORGANIZATIONS 1. In paragraph 3.a. of Section Il Who is an Insured 90th Day is changed to 180th day. 2. 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.. SUBSIDIARIES AS INSUREDS Section Il Who Is An Insured is amended by adding 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.. 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.. 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. The word fire is changed to fire lightning or explosion wherever it appears in the Coverage Form. This amended wording does not apply to hostile fire. Under Section Coverage A the last paragraph after the exclusions is replaced by the following Exclusions. through n. do not apply to damage by fire lightning explosion 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. NON OWNED WATERCRAFT Paragraph g.2 of Section Coverage A Exclusions is changed to read 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. PROPERTY DAMAGE ELEVATORS With respect to Section Coverage A Exclusions paragraphs j.3 j.4 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 the Other Insurance Condition is changed accordingly.. 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. CG71911 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 2 | 2 |
DUTIES IN THE EVENT OF OCCURRENCE OFFENSE CLAIM OR SUIT Section IV Commercial General Liability Condition paragraph 2. is amended by the following provision 1. 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 a. You if you are an individual or a limited liability company A partner if you are a partnership c. A manager if you are a limited liability company d. An executive officer or insurance manag er if you are a corporation or e. Atrustee if you are a trust. 2. 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 a. You if you are an individual or a limited liability company A partner if you are a partnership A manager if you are a limited liability company d. An executive officer or insurance manag er if you are a corporation or e. Atrustee if you are a trust. J. UNINTENTIONAL FAILURE TO DISCLOSE EXPOSURES Section IV Commercial General Liability Condition paragraph 6. is amended to add the following provision If you unintentionally fail to disclose any exposures existing at the inception date of your policy we will not deny coverage under this Coverage Part 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. This provision does not apply to any known injury or damage which is excluded under any other provision of this policy. K. 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. CGNY11 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 2 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS EXTENDED PROPERTY DAMAGE COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The COMMERCIAL GENERAL LIABILITY COVERAGE PART is amended to include the following extension of coverage. The provisions of the Coverage Part apply unless modified by this endorsement. SCHEDULE LIMITS OF INSURANCE DEDUCTIBLE 5000 EACH OCCURRENCE 250 EACH CLAIM 25000 ANNUAL AGGREGATE 1. INSURING AGREEMENT We will pay those sums that an insured becomes legally obligated to pay as damages because of property damage to real or personal property of others while the property is in the insured s care custody or control or over which the insured is for any reason exercising physical control. Property damage must arise out of your operations as a contractor. 2. EXCLUSIONS a. Coverage A Section I Exclusions j3 and j5 are deleted in their entireties. b. Coverage A Section I Exclusion j4 is deleted and replaced with the following 1 Personal property in the care custody and control of an insured which is held for servicing repair storage or sale at premises owned rented operated or used by the insured. 3. LIMITS OF INSURANCE a. The each occurrence limit listed above is the most we will pay for all damages because of property damage to real and personal property in the care custody and control of an insured as the result of any one occurrence regardiess of the number of 1 insureds 2 claims made or suits brought 3 persons or organizations making claims or bringing suits. b. The aggregate limit listed above is the most we will pay for all damages because of property damage to real or personal property in your care custody and control during the policy period. c. Any payments we make for damages because of property damage to real or personal property in your care custody or control will apply against the General Aggregate Limit shown in the declarations. 4. DEDUCTIBLE Our obligation to pay damages on your behalif 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 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. 5. OTHER INSURANCE Insurance provided by this endorsement 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 1o 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. Form CG7253 Ed. 12 96 DEDUCTIBLE 250 EACH CLAIM | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED POLLUTION COVERAGE WORK SITES This endorsement medifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Each Pollution Incident Limit 100000 Pollution Liability Aggregate Limit 100000 Property Damage Deductible 1000 Each pollution incident With respect to coverage provided by this 1 at or from a work site within the endorsement the provisions of the Coverage Form coverage territory apply unless modified by this endorsement. 2 which first commences during the A. Section COVERAGES is amended to include policy period the following 3 which ceases within 72 hours after it LIMITED POLLUTION COVERAGE WORK commences and SITES 4 is reported to us within 30 days of its 1. Insuring Agreement commencement. a. We will pay those sums that the insured This reporting provision is in addition to the becomes legally obligated to pay as notification requirements set out in Section damages because of bodily injury or IV CONDITIONS. property damage or clean up costs c. Damages because of bodily injury include because of environmental damage to damages claimed by any person or which this insurance applies. We will have organization for care loss of services or the right and duty to defend the insured death resulting at any time from the bodily against any suit seeking those damages. injury. However we will have no duty to der end 2. Exclusions the insured against any suit seeking those. N. damages for bodily injury property gg slztxranclepvrovxded by this endorsement damage or clean up costs because of M Aappybo.. N environmental damage to which this a. Bodily injury property damage or insurance does not apply. We may at our environmental damage expected or discretion investigate any pollution intended from the standpoint of the insured. incident and settle any claim or suit that b. Bodily injury property damage or may result. But environmental damage for which the 1 The amount we will pay for damages insured is obligated to pay damages by and clean up costs is limited as reason of the assumption cfhabmty ina described in SECTION C LIMITS contract or agreement. This exclusion OF INSURANCE of this endorsement does not apply to liability for damages that and the insured would have in the absence of 2 Our right and duty to defend end when the contract or agreement. we have used up the applicable limit of c. Property damage or environmental insurance in the payment of judgments damage at or from or settlements. 1 awaste facility No other obligation or liability to pay sums 2 property or premises you own rent or or perform acts or services is covered oceupy unless explicitly provided for under 3 premises you sell give away or SECTION B SUPPLEMENTARY abandon if the property damage PAYMENTS of this endorsement. arises out of any part of those b. This insurance applies to bodily injury premises property damage or clean up costs 4 property loaned to you or because of environmental damage but 5 personal property in your care only if the bodily injury property damage custody or control. or environmental damage is caused by a pollution incident Includes copyrighted material of ISO Properties Inc. with its permission. Page 1 of 3 CG727610 08 Page 10f3 | 2 |
k. Clean up costs or any other expense incurred by you or others to test for monitor clean up remove contain treat detoxify or neutralize pollutants at or from 1 awaste facility or 2 premises you own rent or occupy or to any recovery claimed for such cost or expense. Bodily injury property damage or environmental damage included within the products completed operations hazard. Bodily injury property damage or environmental damage arising out of the ownership or operation of any offshore facility as defined in the Outer Continental Shelf Lands Act Amendment of 1978 to the Clean Water Act of 1977 or any deepwater port as defined in the Deepwater Port Act of 1974 as amended or as either Act may be amended Bedily injury property damage or environmental damage arising out of a poliution incident from a work site or any part of a work site that is or was at any time used by you for the storage disposai processing or treatment of waste materials. Bodily injury property damage or environmental damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto rolling stock or watercraft owned or operated by or rented or loaned to any insured Use includes operation and loading or unloading. Bodily injury property damage or environmental damage arising out of the emission discharge release or escape of drilling fluid oil gas or other fluids from any oil gas mineral water or geothermal well. Bodily injury property damage or environmental damage arising out of a pollution incident which results from or is directly attributable to failure to comply with any applicable statute regulation ordinance directive or order relating to the protection of the environment and promulgated by any governmental body provided that failure to comply is a willful or deliberate act or omission of 1 the insured or 2 you or any of your members partners or executive officers. Bodily injury property damage or environmental 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 the use of mobile equipment in or while in practice or preparation for a prearranged racing speed or demolition contest or in any stunt activity or 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. Any loss cost or expense arising out of any request demand or order by a governmental authority 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 at any site which is included or proposed for inclusion on a governmental authority s clean up priority list. 2 3. Any injury or damage included in the insurance provided by Section Coverage A of this policy B. For the purposes of the coverage provided by this endorsement All references to Supplementary Payments 1. 2. 1. Coverages A and B are replaced by Supplementary Payments Coverages A B and Limited Pollution Coverage Work Sites Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. Section lll LIMITS OF INSURANCE is deleted in its entirety and replaced with the following For the purposes of the coverage provided by this endorsement. Regardless of the number of insureds claims made or suits brought or persons or organizations making claims or bringing suits our liability under this endorsement is limited as follows a. The Each Pollution Incident Limit shown in the Schedule of Limits of Insurance of this endorsement is the most we will pay for all damages and clean up costs arising out of any one discharge dispersal seepage migration release or escape of pollutants under this endorsement. The Pollution Liability Aggregate Limit shown in the Schedule of Limits of Insurance of this endorsement is the most we will pay for the aggregate of all damages covered under this endorsement. Page 20f 3 Includes copyrighted material of ISO Properties Inc. with its permission. CGT27610 08 | 2 |
2. The Limits of Insurance for coverages available within the Commercial General Liability Coverage Form that is part of this policy will be reduced by any damages paid on your behalf under this endorsement. 3. Property Damage Deductible a. Our obligation under this endorsement to pay damages for property damage or clean up costs because of environmental damage on your behalf applies only to the amount of damages or clean up costs in excess of any deductible amount stated in this endorsement as applicable to the Each Pollution Incident Limit. Neither the Each Poliution Incident Limit nor the Pollution Liability Aggregate Limit will be reduced by the application of such deductible amount. b. The terms of this insurance including those with respect to 1 our right and duty to defend any suits seeking those damages and 2 your duties in the event of a pollution incident claim or suit apply irrespective of the application of the deductible amount c. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification or the action taken you shall promptly reimburse us of such part of the deductible amount as has been paid by us. D. For the purposes of the coverage provided by this endorsement Condition 4. of Section IV Commercial Liability Conditions is amended as follows All references to Coverages A or B are amended to read Coverages A B or Limited Pollution Coverage Work Sites. E. For the purposes of the coverage provided by this endorsement the following definitions are added to Section V DEFINITIONS. Clean up costs means expenses for and includes any costs for testing performed in connection with the removal remediation neutralization or disposal of poliutants. Environmental damage means the injurious presence in or upon land the atmosphere or any water course or body of water of pollutants which results directly from any physical injury to tangible property Pollution incident means the actual emission discharge release or escape of pollutants from a work site provided that such emission discharge release or escape results in bodily injury property damage or environmental damage. The entirety of any such emission discharge release or escape will be deemed to be one pollution incident. Waste facility means any site to which waste from the operations or a work site is consigned for delivery or delivered for storage disposal processing or treatment. Work site means any premises site or location on which you or any contractors or subcontractors working directly or indirectly on your behaif are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by you any contractor or subcontractor. Work site does not include any premises site or location which currently is or was at any time owned or occupied by or rented or loaned to you. Page3of3 includes copyrighted material of ISO Properties Inc. with its permission. G727610 08 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT AGGREGATE LIMITS OF INSURANCE PER LOCATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The General Aggregate Limit under LIMITS OF INSURANCE Section lil applies separately to each of your locations owned by or rented to you. Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. Includes copyrighted material of Insurance Services Office Inc. with its permission. Form CG7428 Ed. 11 98 Copyright Insurance Services Office Inc. 1984 | 2 |
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT AGGREGATE LIMITS OF INSURANCE PER PROJECT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The General Aggregate Limit under LIMITS OF INSURANCE Section 1ll applies separately to each of your projects away from premises owned by or rented to you. Includes copyrighted material of Insurance Services Office Inc. with its permission. Form CG7429 Ed. 11 98 Copyright Insurance Services Office Inc. 1984 | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET WAIVER OF SUBROGATION WHEN REQUIRED IN A WRITTEN CONTRACT OR AGREEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition Section IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted and replaced by the following We waive any right of recovery we may have against any person or organization against whom you have agreed to waive such right of recovery in a written contract or agreement because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. CG755511 04 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following are added to COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV 1. When this Coverage Part is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law the insurance provided by the coverage part for Bodily Injury Liability or Property Damage Liability will comply with the provisions of the law to the extent of the coverage and limits of insurance required by that law. With respect to mobile equipment to which this insurance applies we will provide any liability uninsured motorists underinsured motorists no fault or other coverages required by any motor vehicle insurance law. We will provide the required limits for those coverages. CG75831 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10of 1 | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT AUTO AMENDMENT COMMERCIAL GENERAL LIABILITY COVERAGE FORM Exclusion g. of Section Coverage A Bodily Injury and Property Damage Liability is replaced by the following g. Aircraft Auto or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of the operation of any of the equipment listed in Paragraph f.2 or.3 of the definition of mobile equipment. B. SECTION Il WHO IS AN INSURED is amended to add the following as Paragraph 4. 4. With respect to mobile equipment registered in your name under any motor vehicle registration law any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured but only with respect to liability arising out of the CG758410 08 This endorsement modifies insurance provided under the following operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an insured with respect to a. Bodily injury to a coemployee of the person driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an insured under this provision. C. Paragraph 2. of SECTION V DEFINITIONS is replaced by the following 2. Auto means a land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. D. Paragraph 12. of SECTION V DEFINITIONS is replaced by the following 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 a. b.. or d. above that are not self propelied 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 Page1of2 operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an insured with respect to a. Bodily injury to a coemployee of the person driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an insured under this provision. C. Paragraph 2. of SECTION V DEFINITIONS is replaced by the following 2. Auto means a land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. D. Paragraph 12. of SECTION V DEFINITIONS is replaced by the following 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 a. b.. or d. above that are not self propelied 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 Page1of2 | 2 |
2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in a. b.. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not 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. E. Paragraph 4. of Section IV COMMERCIAL GENERAL LIABILITY CONDITIONS is amended by the addition of the following Any coverage afforded to you under this Coverage Form will be excess over any other valid and collectible Automobile insurance purchased by you for mobile equipment whether that coverage is excess contingent or on any other basis and any other valid and collectible umbrella liability insurance purchased by you. CG758410 08 Page20f2 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF EMPLOYEE BENEFITS PROGRAM DEFINITION This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE ENDORSEMENT SCHEDULE Description of Other Similar Benefits as applicable to this endorsement. If no entry appears above information required to complete this endorsement will be shown in the Declarations A. Paragraph G.4 of the Employee Benefits Liability Coverage Endorsement CG0435 is replaced by the following 4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision prescription and hearing plans and flexible spending accounts provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility requirements b. Profit sharing plans employee savings plans individual retirement account IRA plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits. Unemployment insurance social security benefits workers compensation and disability benefits d. Vacation plans including buy and sell programs leave of absence programs including military maternity family and civil leave tuition assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. C676273 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS OCCURRENCE DEFINITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART For the purposes of the coverage provided by this endorsement Section V DEFINITIONS Paragraph 13. is amended to read Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions and also means accidental property damage but does not include faulty workmanship which is the defective condition of an insured s or subcontractor s work without a change or alteration in your work. CG76442 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page1of 1 | 2 |
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L 00 21 05 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART This endorsement modifies insurance provided under the following PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear En ergy Liability Insurance Association Mutual Atomic Energy Liability Underwriters Nu clear Insurance Association of Canada or any of their successors or would be an in sured under any such policy but for its ter mination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in 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 injury resulting from the hazardous properties of nuclear material and arising out of the opera tion of a nuclear facility by any person or or ganization. 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time possessed handled used processed stored trans ported 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 ter ritories 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 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Spe cial nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if uclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed handled used processed stored trans ported or disposed of by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an 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 ter ritories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any prop erty thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Spe cial nuclear material or by product material. iL 00 21 05 02 IS0 Properties Inc. 2001 Page 1 0of 2 | 2 |
c Any equipment or device used for the proc essing fabricating or alloying of special nu clear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed pri marily for its source material content and b re sulting from the operation by any person or organi zation of any nuclear facility included under the first two paragraphs of the definition of nuclear fa cility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or pluto nium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste IL 00 21 05 02 o IS0 Properties Inc. 2001 Page 2 of 2 | 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 A. 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 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 If this policy has been in effect for 60 days or less we may cancel this policy for any reason.. 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 Any insured has submitted a fraudulent claim Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has sub stantially increased 4 7 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 fast 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. IS0 Properties Inc. 2006 L 02 59 09 07 Page 1 of 2 o | 2 |
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. 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. IL 02 59 09 07 a ISO Properties Inc. 2006 Page 2 of 2 | 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 PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART 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. 1L702810 05 Page 10f 1 | 2 |
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A EMC Insurance Companies EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 4D6 81 01 15 KSI CONSTRUCTION EFF DATE 020114 EXP DATE 020115 TERM 1.000 SIMPLIFIED COMMERCIAL GENERAL LIABILITY RATING WORKSHEET ek ko k sk Rk ok ko ok ko ke ks Rk ok ko ok ok ko kb Rk kR kR R Rk ko ok kK Rk R kK K LIMITS OF LIABILITY GEN AGGR LIM 2000000 PROD COMPL OPS 2000000 EACH OCC LIM 1000000 EBL COVERAGE CLAIMS MADE 1000000 EACH EMPLOYEE 2000000 AGGREGATE LOCATION 001 SUB 334 ST NE TERR 502 NET ANNUAL PRO TERM CLASS BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE RATE PREM SCHED cc SSRP 1.280 X EXPER 0.800 X ER 1.000 X PKG 0.900 X OTHER 0.990 MOD 0.912 91580 17.016 3 1.68 0.912 26.071 205647 5361 91585A 0.350 3 1.68 0.912 0.536 8057144 4319 SUB 334 ST NE TERR 999 SCHED cc SSRP 1.000 X EXPER 1.000 X ER 1.000 X PKG 0.900 X OTHER 1.000 MOD 0.900 87224 1 25 87654 1 75 87741 1 150 87747 1 50 87748 1 150 87780 1 250 87786 1 125 87808 1 150 87830 1 172 LOCATION SUBLINE TOTAL 10827 SUB 336 ST NE TERR 999 NET ANNUAL PRO TERM CLASS BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE RATE PREM SCHED cc SSRP 1.280 X EXPER 0.800 X ER 1.000 X PKG 0.900 X OTHER 0.990 MOD 0.912 91585A 0.164 1.91 0.912 0.285 8057144 2296 LOCATION SUBLINE TOTAL 2296 SUB EBL ST NE TERR 999 BASE DED cLMS SCHED OTH NET ANNUAL PRO TERM CLASS W ILF X FCTR X FCTR X SSRP X MOD RATE EXPOSURE RATE PREM 87825 220 1.000 1.000 1.280 1.000 281.600 5 282 DATE OF ISSUE 121813 BPP CONTINUED WORK GL BPP 12704713 Q03 MB 4D68101 1501 LOCATION 001 UB 334 ST NE TERR 502 NET ANNUAL PRO TER ILASS BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE RATE PREI nan nan nan nan 0.912 nan nan nan 0.536 nan nan nan 8057144.0 nan nan nan 4319.0 37654 37741 37747 37748 37780 37786 37808 37830 BRI e e LOCATION SUBLINE TOTAL UB 336 ST NE TERR 999 NET ANNUAL LASS BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE 10827 PRO RATE TER PRE LOCATION SUBLINE TOTAL 2296 SUB EBL ST NE TERR 999 BASE DED CLMS SCHED OTH NET ANNUAL PRO TERI LASS W ILF X FCTR X FCTR X SSRP X MOD RATE EXPOSURE RATE PREI 37825 220 1.000 1.000 1.280 1.000 281.600 5 282 | 2 |
A EMC Insurance Companies PAGE 2 EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 4D6 81 01 15 EFF DATE 020114 EXP DATE 020115 KSI CONSTRUCTION LOCATION SUBLINE TOTAL 282 TERRORISM CHARGE ST TIER TERM STATE TIER PREMIUM FACTOR PREM NE 3 13405 0.008 107 TOTAL POLICY TERM PREMIUM 13512.00 DATE OF ISSUE 121813 BPP WORK GL BPP 12704713 003 MB 4D68101 1501 LOCATION SUBLINE TOTAL 282 ERRORISM CHARGE ST TIER TERM STATE TIER PREMIUM FACTOR PREM NE 3 13405 0.008 107 TOTAL POLICY TERM PREMIUM 13512.00 | 2 |
A EMC Insurance Companies EMPLOYERS MUTUAL CASUALTY COMPANY KSI CONSTRUCTION TRANSACTION INFORMATION POLICY TERM 02012014 TO 02012015 ACCOUNT NAME KSI CONSTRUCTION ACCOUNT MAILING STATE NE FINANCING N AUDIT FREQUENCY A SIC 1542 TRANS DATE 02012014 POLICY NO 4D6 81 01 15 TRANSACTION RENEWAL01 PRIOR POL 4D6 81 01 CO BR AGENT A B8210 PROGRAM BILLING METHOD D CDB PROFIT SHARE Y ACCOUNT ORIGINAL EFF DATE 02012008 TYPE OF POLICY CONTR 38 TRANS PREMIUM 13512.00 POLICY ID BA COMMISSION 15.0 PREMIUM 13512.00 ACCOUNT DOMICILE STATE NE DATE OF ISSUE 121813 BPP 003 MB 4D68101 1501 STAT GL BPP 120413 ST CONSTRUCTION TRANSACTION INFORMATIO RIOR POL 4D6 81 01 S DATE 02012014 R AGENT A B8210 RAM ING METHOD D CDB IT SHARE Y POLICY TERM 02012014 TO 02012015 ACCOUNT NAME KSI CONSTRUCTION ACCOUNT MAILING STATE NE FINANCING N AUDIT FREQUENCY A SIC 1542 ACCOUNT ORIGINAL EFF DATE 02012008 POLICY ID BA COMMISSION 15.0 1IUM | 2 |
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Policy Number WFR GL10000165 02 Q RESORTS INC. Q BURKE MOUNTAIN RESORT 830 JAY PEAK RD JAY VT 05859 7046 ATTACHED ARE DOCUMENTS FOR THE FOLLOWING NAMED INSURED Q RESORTS INC. Q BURKE MOUNTAIN RESORT LLC Q 830 JAY PEAK RD JAY VT 05859 7046 12 02 20 ity PRMTTIMAL. FRE SR A SV VMM SV Ve Q RESORTS INC. Q BURKE MOUNTAIN RESORT 830 JAY PEAK RD JAY VT 05859 7046 ATTACHED ARE DOCUMENTS FOR THE FOLLOWING NAMED INSURED Q RESORTS INC. Q BURKE MOUNTAIN RESORT LLC Q 830 JAY PEAK RD JAY VT 05859 7046 Q RESORTS INC. Q BURKE MOUNTAIN RESORT 830 JAY PEAK RD JAY VT 05859 7046 ATTACHED ARE DOCUMENTS FOR THE FOLLOWING NAMED INSURED Q RESORTS INC. Q BURKE MOUNTAIN RESORT LLC Q 830 JAY PEAK RD JAY VT 05859 7046 INSURED | 2 |
Hanover Insurance Group NOVA CASUALTY COMPANY COMMERCIAL INSURANCE POLICY The ver Insurance Group NOVA CASUALTY COMPANY COMMERCIAL INSURANCE POLICY The Hanover Insurance Group NOVA CASUALTY COMPANY COMMERCIAL INSURANCE POLICY INSURED | 2 |
NOTICE TO POLICYHOLDERS INSURANCE FRAUD This Notice does not form a part of your insurance contract. No coverage is provided by this Notice nor can it be construed to be in addition to or replace any provisions of your policy including its endorsements. If there is any conflict between this Notice and your policy including its endorsements the provisions of the policy including its endorsements shall prevail. Insurance Fraud... It s a crime that affects all of us. According to the Federal Bureau of Investigation the total cost of insurance fraud non health insurance is estimated to be more than 40 billion per year. Over the past few years the number of documented cases of insurance fraud has soared with costs passed along to policyholders as increased premiums. We at NOVA Casualty Company are committed to stopping this crime. We have established a Special Investigation Unit to combat insurance fraud and you can help by confidentially providing us with any information about persons who have committed fraud or intend to commit fraud. Call the toll free NOVA Casualty Company Fraud Tip Line at 1 800 799 6980 24 hours a day seven days a week. NOVA Casualty Company 440 Lincoln Street Worcester MA 01653 Fraud Tip Line 1 800 799 6980 APN 0108 0413 Page 1 of 1 INSURED | 2 |
MINIMUM EARNED PREMIUM NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice nor can it be construed to replace any provisions of your policy including its endorsements. If there is any conflict between this Notice and the policy including its endorsements the provisions of the policy including its endorsements shall prevail. Your policy may contain one or more types of coverage that have a minimum earned premium. If this insurance is cancelled at your request we will retain the minimum earned premium. Please contact your agent with any questions. APN01270611 INSURED | 2 |
Privacy Policy and Producer Compensation Practices Disclosures Privacy Policy Disclosure Collection of Information We collect personal information so that we may offer quality products and services. This information may include but is not limited to name address Social Security number and consumer reports from consumer reporting agencies in connection with your application for insurance or any renewal of insurance. For example we may access driving records insurance scores or health information. Our information sources will differ depending on your state andor the product or service we are providing to you. This information may be collected directly from you andor from affiliated companies non affiliated third parties consumer reporting agencies medical providers and third parties such as the Medical Information Bureau. Disclosure of Information We may disclose non public personal information you provide as required to conduct our business and as permitted or required by law. We may share information with our insurance company affiliates or with third parties that assist us in processing and servicing your account. We also may share your information with regulatory or law enforcement agencies reinsurers and others as permitted or required by law. Our insurance companies may share information with their affiliates but will not share information with non affiliated third parties who would use the information to market products or services to you. We do not share the non public personal information of customers of our SEC regulated companies or customers who own products of ours which are SEC regulated with affiliated or non affiliated companies who would use that information to market products or services to you. Our standards for disclosure apply to all of our current and former customers. Safeguards to Protect Your Personal Information We recognize the need to prevent unauthorized access to the information we collect including that held in an electronic format on our computer systems. We maintain physical electronic and procedural safeguards intended to protect all non public personal information. Internal Access to Information Access to personal nonpublic information is limited to those people who need the information to provide our customers with products or services. These people are expected to protect this information from inappropriate access disclosure and modification. Consumer Reports In some cases we may obtain a consumer report in connection with an application for insurance. Depending on the type of policy a consumer report may include information about you or your business such as character general reputation personal characteristics mode of living credit history driving record including records of any operators who will be insured under the policy andor an appraisal of your dwelling or place of business that may include photos and comments on its general condition. Access to Information Upon written request we will inform you if we have ordered an investigative consumer report. You have the right to make a written request within a reasonable period for information concerning the nature and scope of the report and to be interviewed as part of its preparation. You may obtain a copy of the report from the reporting agency and under certain circumstances you may be entitled to a copy at no cost. APN 01 38 0312 Page 1 of 2 Page 1 of 2 INSURED | 2 |
You also may review certain information we have about you or your business in our files. To review information we maintain in our files about you or your business please write to us providing your complete name address and policy numbers and indicating specifically what you would like to see. If you request actual copies of your file there may be a nominal charge. We will tell you to whom we have disclosed the information within the two years prior to your request. If there is not a record indicating that the information was provided to another party we will tell you to whom such information is normally disclosed. There is information that we can not share with you. This may include information collected in order to evaluate a claim under an insurance policy when the possibility of a lawsuit exists. It may also include medical information that we would have to forward to a licensed medical doctor of your choosing so that it may be properly explained. Correction of Information If after reviewing your file you believe information is incorrect please write to the consumer reporting agency or to us whichever is applicable explaining your position. The information in question will be investigated. If appropriate corrections will be made to your file and the parties to whom the incorrect information was disclosed if any will be notified. However if the investigation substantiates the information in the file you will be notified of the reasons why the file will not be changed. If you are not satisfied with the evaluation you have the right to place a statement in the file explaining why you believe the information is incorrect. We also will send a copy of your statement to the parties if any to whom we previously disclosed the information and include it in any future disclosures. Our Commitment to Privacy In the insurance and financial services business lasting relationships are built upon mutual respect and trust. With that in mind we will periodically review and revise our privacy policy and procedures to ensure that we remain compliant with all state and federal requirements. If any provision of our privacy policy is found to be non compliant then that provision will be modified to reflect the appropriate state or federal requirement. If any modifications are made all remaining provisions of this privacy policy will remain in effect. For more detailed information about our privacy policy visit our Web site located at www.hanover.com. Producer Compensation Disclosure Our products are sold through independent agents and brokers often referred to as Producers. We may pay Producers a fixed commission for placing and renewing business with our company. We may also pay additional commission and other forms of compensation and incentives to Producers who place and maintain their business with us. Details of our Producer compensation practices may be found at www.hanover.com. Further Information If you have questions about our privacy policy or if you would like to request information we have on file please write to us at our Privacy Office N435 The Hanover Insurance Group Inc. 440 Lincoln Street Worcester MA 01653. Please provide your complete name address and policy numbers. A copy of our Producer Compensation Disclosure is also available upon written request addressed to the attention of the Corporate Secretary N435 The Hanover Insurance Group 440 Lincoln Street Worcester MA 01653. This notice is being provided on behalf of the following Hanover Companies The Hanover Insurance Group Inc. Allmerica Financial Alliance Insurance Company Allmerica Financial Benefit Insurance Company Allmerica Plus Insurance Agency Inc. Citizens Insurance Company of America Citizens Insurance Company of llinois Citizens Insurance Company of the Midwest Citizens Insurance Company of Ohio Citizens Management Inc. AIX Ins. Services of California Inc. Benchmark Professional Insurance Services Inc. Campania Insurance Agency Co. Inc. Campmed Casualty Indemnity Co. Inc Chaucer Syndicates Limited Educators Insurance Agency Inc. Hanover Specialty Insurance Brokers Inc. The Hanover American Insurance Company The Hanover Insurance Company The Hanover New Jersey Insurance Company The Hanover National Insurance Company Hanover Lloyd s Insurance Company Massachusetts Bay Insurance Company Opus Investment Management Inc. Professionals Direct Insurance Company Professionals Direct Insurance Services Inc. Professional Underwriters Agency Inc. Verlan Fire Insurance Company Nova Casualty Company AIX Specialty Insurance Company. APN 01 38 0312 Page 2 of 2 INSURED | 2 |
IL P 001 01 04 U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control OFAC administers and enforces sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous Foreign agents Front organizations Terrorists Terrorist organizations and Narcotics traffickers as Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpwww.treas.gov ofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. IL P 001 01 04 ISO Properties Inc. 2004 INSURED Page 1 of 1 | 2 |
The Policy Number Hanover WFR GL10000165 02 Insurance Group COMMON POLICY DECLARATIONS Renewal Of WFR GL10000165 01 NOVA Casualty Company 440 Lincoln Street Worcester MA 01653 Item1. Named Insured and Mailing Address Agent Name and Address QRESORTS INC. Safehold Special Risk Inc. See Named Insured Endorsement 601 Union St. Floor 10 830 JAY PEAK RD Seattle WA 98101 JAY VT 05859 7046 AgentNo. 10025 Item3. Business Description SKI RESORT Form of Business CORPORATION Item4. In return for the payment of the premium and subject to all the terms of this policy we agree with you to provide the insurance as stated in this policy. This policy consists of the following coverage parts for which a premium is indicated. Where no premium is shown there is no coverage. This premium may be subject to adjustment. Coverage Parts Premium Commercial General Liability Coverage Part 119752.00 Policy Writing Minimum Premium Retained 500 Total Policy Premium 119752.00 Item 5. Forms and Endorsements Forms and Endorsements made a part of this policy at time of issue See Schedule of Forms and Endorsements Hanover Insurance Group COMMON POLICY DECLARATIONS NOVA Casualty Compan 440 Lincoln Street Worcester MA 01653 WFR GL1 0000165 02 s Renewal Of WFR GL10000165 01 ny cndorsement Countersigned Date By Authorized Representative THIS COMMON POLICY DECLARATION AND THE SUPPLEMENTAL DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PARTS COVERAGE FORMS AND FORMS AND ENDORSEMENTS IF ANY COMPLETE THE ABOVE NUMBERED POLICY. CO DEC 1013 INSURED | 2 |
Hanover Insurance Group NOVA CASUALTY COMPANY 440 Lincoln Street Worcester MA 01653 In Witness Whereof NOVA Casualty Company has executed and attested these presents and where required by law has caused this Policy to be countersigned by its duly authorized Representative. O Charles Frederick Cronin Corporate Secretary Cj C Km John C. Roche President AIL00130613 Page 10of 1 INSURED | 2 |
The Policy Number Hanover WFR GL10000165 02 Insurance Group SCHEDULE OF NAMED INSUREDS NOVA Casualty Company Named Insured Q RESORTS INC. Effective Date 12 01 20 1201 A.M. Standard Time Agent Name Safehold Special Risk Inc. Agent No. 10025 CO DEC cont. THE NAMED INSURED ON FORM CO DEC IS AMENDED TO READ Q RESORTS INC. Q BURKE MOUNTAIN RESORT LLC Q BURKE MOUNTAIN INC. JAY PEAK INC. JAY PEAK MANAGEMENT INC. BURKE 2000 LLC BURKE MOUNTAIN OPERATING COMPANY INC. BURKE MOUNTAIN WATER COMPANY INC. BURKE MOUNTAIN ROAD MANAGEMENT COMPANY INC. NI SCHED 0197 ihe Hanover Insurance Group SCHEDULE OF NAMED INSUREDS NOVA Casualty Compan VFR GL10000165 02 et b Patae A A AA HE NAMED INSURED ON FORM CO DEC IS AMENDED TO READ Q RESORTS INC. Q BURKE MOUNTAIN RESORT LLC Q BURKE MOUNTAIN INC. JAY PEAK INC. JAY PEAK MANAGEMENT INC. BURKE 2000 LLC BURKE MOUNTAIN OPERATING COMPANY INC. BURKE MOUNTAIN WATER COMPANY INC. BURKE MOUNTAIN ROAD MANAGEMENT COMPANY INC. INSURED | 2 |
Hanover Insurance Group SCHEDULE OF LOCATIONS NOVA Casualty Company Named Insured Q RESORTS INC. AgentName Safehold Special Risk Designated Locations Address City State JAY PEAK RD 223 SHERBURNE LODGE RD EAST BURKE VT 05832 9686 LOC SCHED 0197 Policy Number WFR GL10000165 02 Effective Date 12 01 20 1201 A.M Standard Time AgentNo. 10025 Occupancy ihe Hanover WFR GL10000165 02 Insurance Group SCHEDULE OF LOCATIONS NOVA Casualty Company amed Insured Q RESORTS INC. Effective Date 12 01 20 1201 A.M Standard Time 3 SHERBURNE LODGE RD EAST BURKE VT 832 9686 INSURED | 2 |
The Policy Number Hanover WFR GL10000165 02 Insurance Group INSTALLMENT SCHEDULE NOVA Casualty Company Named Insured Q RESORTS INC. Effective Date 12 01 20 1201 A.M Standard Time AgentName Safehold Special Risk Inc. AgentNo. 10025 IT IS HEREBY AGREED AND UNDERSTOOD THAT THIS POLICY IS PAYABLE ON INSTALLMENTS AS FOLLOWS REVISED DUE PREMIUM SURCHARGE INSTALLMENT TOTAL 12012020 119752.00 119752.00 Failure to pay the Installment Premium by the Date Due shown shall constitute non payment of premium for which we may cancel this policy. INSTALL FORM 0102 ihe Hanover WFR GL10000165 02 Insurance Group INSTALLMENT SCHEDULE NOVA Casualty Company amed Insured Q RESORTS INC. Effective Date 12 01 20 1201 A.M Standard Time PAYABLE ON INSTALLMENTS AS FOLLOWS REVISED DUE PREMIUM SURCHARGE INSTALLMENT TOTAL 12012020 119752.00 119752.00 DUE 12012020 PREMIUM 119752.00 SURCHARGE INSURED | 2 |
The Policy Number Hanover WFR GL10000165 02 Insurance Group SCHEDULE OF FORMS AND ENDORSEMENTS NOVA Casualty Company Named Insured Q RESORTS INC. Effective Date 12 01 20 1201 AM. Standard Time AgentName Safehold Special Risk Inc. AgentNo. 10025 COMMON POLICY FORMS AND ENDORSEMENTS CO DEC 10 13 COMMON POLICY DECLARATIONS AIL 00 13 06 13 SIGNATURE PAGE NOVA CASUALTY NI SCHED 01 97 SCHEDULE OF NAMED INSURED S LOC SCHED 01 97 SCHEDULE OF LOCATIONS INSTSCHD 01 02 INSTALLMENT SCHEDULE 02 11 CONFORMITY WITH STATE STATUTES 02 11 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT 09 08 CALCULATION OF PREMIUM 11 98 COMMON POLICY CONDITIONS 09 08 VERMONT CHANGES CIVIL UNION 09 08 VERMONT CHANGES STATUTORY LIABILITY 06 15 VERMONT CHANGES CANC NONRENL 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION GENERAL LIABILITY FORMS AND ENDORSEMENTS GL DEC 07 98 COMM GENERAL LIABILITY COVERAGE SUPP DEC 01 09 COMPOSITE RATE ENDORSEMENT 04 13 COMMERCIAL GENERAL LIABILITY COV FORM 07 19 GL EXTRA ENDORSEMENT RESORTS 11 08 DAMAGE TO CUSTOMERS AUTOS AND WATERCRAFT 11 08 CARE CUSTODY OR CONTROL LIMITED COV 11 08 MEDICAL PERSONNEL COVERAGE 12 08 SELF INSURED RETENTION EXP WITHIN RETENT 03 09 LIMITED POLLUTION LIABILITY EXTENSION 07 11 SEXUAL MISCONDUCT OR SEXUAL MOLESTATION 12 07 EMPLOYEE BENEFITS LIABILITY COVERAGE 04 13 ADDL INSD USERS OF GOLFMOBILES 05 14 EXCL ACC DISCL OF CONFI OR PERSONAL INFO 06 15 EXCLUSION UNMANNED AIRCRAFT 05 09 COMMUNICABLE DISEASE EXCLUSION 10 01 EXCL COV C MEDICAL PAYMENTS 12 19 EXCL INTERCOMPANY PRODUCTS SUITS 12 07 EMPLOYMENT RELATED PRACTICES EXCLUSION 12 04 FUNGI OR BACTERIA EXCLUSION 01 15 EXCLUSION OF CERTIFIED ACTS OF TERRORISM 03 05 SILICA OR SILICA RELATED DUST EXCLUSION 11 85 EXCL PROPERTY ENTRUSTED 04 13 EXCLUSIONS CAMPS OR CAMPGROUNDS 04 13 PESTICIDE OR HERBICIDE APPLC COV 04 13 REAL ESTATE PROPERTY MANAGED 04 13 PROF LIAB EXCL SPAS 04 13 EXCL TELECOM EQUIP OR SERVICE EO 04 13 EXCL REAL ESTATE AGTS OR BROKERS EO 01 96 PROD COMPLETED OPERATIONS HAZARD REDEFIN 10 93 LIQUOR LIABILITY 11 85 BOATS 04 13 AMEND OF COV TERR WORLDWIDE COVERAGE FORM SCHED 0197 ihe Hanover Insurance Group SCHEDULE OF FORMS AND ENDORSEMENTS NOVA Casualty Company WFR GL10000165 02 EDULE OF FORMS AND ENDORSEMENTS OVA Casualty Company Effective Date 12 01 20 1201 A.M. Standard Time OMMUN FOLLILY FPOURMS AND BNDUROEMENLS O DEC L DEC GL 01 73 G 00 01 GL 01 78 GL 01 82 GL 01 83 GL 01 85 GL 01 87 GL 01 97 GL 04 46 04 35 20 08 21 06 21 09 21 32 21 35 21 41 21 47 21 67 aooooaoannnnaaannnnt N N N N w NHEOOOWW Io W NN IR ROO S COMMON POLICY DECLARATIONS SIGNATURE PAGE NOVA CASUALTY SCHEDULE OF NAMED INSURED S SCHEDULE OF LOCATIONS INSTALLMENT SCHEDULE CONFORMITY WITH STATE STATUTES TRADE OR ECONOMIC SANCTIONS ENDORSEMENT CALCULATION OF PREMIUM COMMON POLICY CONDITIONS VERMONT CHANGES CIVIL UNION VERMONT CHANGES STATUTORY LIABILITY VERMONT CHANGES CANC NONRENL NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENTS COMM GENERAL LIABILITY COVERAGE SUPP DEC COMPOSITE RATE ENDORSEMENT COMMERCIAL GENERAL LIABILITY COV FORM GL EXTRA ENDORSEMENT RESORTS DAMAGE TO CUSTOMERS AUTOS AND WATERCRAFT CARE CUSTODY OR CONTROL LIMITED COV MEDICAL PERSONNEL COVERAGE SELF INSURED RETENTION EXP WITHIN RETENT LIMITED POLLUTION LIABILITY EXTENSION SEXUAL MISCONDUCT OR SEXUAL MOLESTATION EMPLOYEE BENEFITS LIABILITY COVERAGE ADDL INSD USERS OF GOLFMOBILES EXCL ACC DISCL OF CONFI OR PERSONAL INFO EXCLUSION UNMANNED AIRCRAFT COMMUNICABLE DISEASE EXCLUSION EXCL COV C MEDICAL PAYMENTS EXCL INTERCOMPANY PRODUCTS SUITS EMPLOYMENT RELATED PRACTICES EXCLUSION FUNGI OR BACTERIA EXCLUSION EXCLUSION OF CERTIFIED ACTS OF TERRORISM SILICA OR SILICA RELATED DUST EXCLUSION EXCL PROPERTY ENTRUSTED EXCLUSIONS CAMPS OR CAMPGROUNDS PESTICIDE OR HERBICIDE APPLC COV REAL ESTATE PROPERTY MANAGED PROF LIAB EXCL SPAS EXCL TELECOM EQUIP OR SERVICE EO EXCL REAL ESTATE AGTS OR BROKERS EO PROD COMPLETED OPERATIONS HAZARD REDEFIN LIQUOR LIABILITY BOATS AMEND OF COV TERR WORLDWIDE COVERAGE INSURED | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONFORMITY WITH STATE STATUTES The following Condition is added to your policy to comply with or otherwise respond to the laws of multiple states. This endorsement applies to the extent your policy provides coverage for loss that results to or from your autos employees locations or operations in states other than the controlling state of your policy. The term controlling state means the state that is listed on the Declarations for the First Named Insured. If there are no locations or operations for any coverage provided by your policy for the First Named Insured s state the controlling state is the state that generates the highest premium on your policy. CONFORMITY WITH STATE STATUTES A. The provisions of this policy conform to the minimum requirements of state laws and control over any conflicting statutes of any state in which you have autos employees locations or operations on or after the effective date of this policy. B. Any provision of this policy including endorsements that modify the policy which does not conform to the minimum requirements of a state s statutes is amended to conform to such statute. Page 1 of 1 AIL00140211 INSURED | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TRADE OR ECONOMIC SANCTIONS ENDORSEMENT 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 remain unchanged. AIL00150211 INSURED | 2 |
IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was com puted based on rates in effect at the time the policy was issued. On each renewal continuation or anni versary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 ISO Properties Inc. 2007 INSURED Page 10f 1 m | 2 |
IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliv ering to us advance written notice of cancella tion. 2. We may cancel this policy by mailing or deliver ing to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancella tion if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancella tion if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered arefund. 6. If notice is mailed proof of mailing will be suffi cient proof of notice.. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy.. Examination Of Your Books And Records We may examine and audit your books and re cords as they relate to this policy at any time dur ing the policy period and up to three years after ward. D. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time and c. Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recom mendations we may make relative to certifica tion under state or municipal statutes ordi nances or regulations of boilers pressure ves sels or elevators.. Premiums The first Named Insured shown in the Declara tions 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay.. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in sured. If you die your rights and duties will be trans ferred to your legal representative but only while acting within the scope of duties as your legal rep resentative. Until your legal representative is ap pointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Page 10f 1 o IL 00 17 11 98 Copyright Insurance Services Office Inc. 1998 INSURED | 2 |
IL 0109 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The term spouse is replaced by the following Spouse or party to a civil union under Vermont law. B. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person who is a resi dent of your household and is related to you by blood adoption including a ward or foster child marriage or civil union under Vermont law. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part or the Farm Umbrella Liability Policy the term family member is replaced by the following Family member means a person who is a resi dent of your household and is related to you by blood adoption including a ward or foster child marriage or civil union under Vermont law. ISO Properties Inc. 2007 INSURED IL 01 09 09 08 Page 10f 1 | 2 |
IL 0126 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES STATUTORY LIABILITY COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART In addition to paying and satisfying judicial judg ments rendered against you in consequence of claims to which this Coverage Part applies we will protect you against the levy of executions issued on such judgments or claims against you.. We may without your consent continue litigation after a judgment has been rendered with respect to your legal liability under this Coverage Part for damages in a particular instance. In that event no limitation of our liability will be valid where the mat ter of that litigation is concerned.. Under Coverage Forms to which this endorsement applies any legal action against us to recover for loss under this Coverage Part must be brought within one year after amount of loss is finally es tablished. The amount of loss can be established only by 1. Judicial judgment or 2. An agreement between the parties involved with our written consent. D. In the event of your bankruptcy or insolvency an injured person or claimant who has obtained a judgment against you may bring suit against us provided 1. The judgment was for damages covered by this policy and 2. The suit is for damages in amounts no greater than the applicable Limits of Insurance of this policy.. Payment by you of any judicial judgment or claim for any of our liability under this Coverage Part will not deprive you of the right to bring action against us. For the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment Related Practices Liability Coverage Part Farm Coverage Part Farm Umbrella Liability Policy Liquor Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pol lution Liability Coverage Part Products Completed Operations Liability Coverage Part Medical Pro fessional Liability Coverage Part and Railroad Pro tective Liability Coverage Part the word you is replaced by the term the insured and the word your is replaced by the term the insured s. IL 01 26 09 08 ISO Properties Inc. 2007 INSURED Page 10f 1 m | 2 |
IL021906 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VERMONT CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM QUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is replaced by the following Cancellation 1. The first Named Insured shown in the If cancellation is for nonpayment of premium written notice may be sent by certificate of mailing or certified mail. If cancellation is for any reason other than nonpayment of premium written notice must be sent by Declarations may cancel this Policy by mailing certified mail. or delivering to us advance written notice of cancellaliung 3. Cancellation Of Policies In Effect For 60 Days. Or More. 2. Cancellation Of Policies In Effect For Less Than 60 Days. If this Policy has been in effect for less than 60 days and this Policy is not a renewal of a policy we issued we may cancel this Policy by a. Giving at least 15 days notice prior to the cancellation date for nonpayment of premium or substantial increase in hazard or b. Mailing or delivering at least 45 days notice prior to the cancellation date for any other reason. Written notice of cancellation including the reason for cancellation will be mailed or delivered to the first Named Insured at the first Named Insured s last mailing address known to us. If this Policy has been in effect for 60 days or more or if this is a renewal of a policy we issued we may cancel this Policy only for one or more of the following reasons a. Nonpayment of premium b. Fraud or material misrepresentation affecting this Policy or in the presentation of claims under this Policy c. Violation of any provisions of this Policy or d. Substantial increase in hazard provided we have secured approval for the cancellation from the commissioner of insurance. If we cancel this Policy for one of the reasons specified in Paragraph 3. we will cancel only in the following manner a. By giving at least 15 days notice before the effective date of cancellation if we cancel for nonpayment of premium or IL 0219 06 15 Insurance Services Office Inc. 2014 INSURED Page 1 of 2 | 2 |
b. By mailing or delivering at least 45 days notice before the effective date of cancellation if we cancel for any other reason. Written notice of cancellation including the reason for cancellation will be mailed or delivered to the first Named Insured at the first Named Insured s last mailing address known to us. If cancellation is for nonpayment of premium written notice may be sent by certificate of mailing or certified mail. If cancellation is for any reason other than nonpayment of premium written notice must be sent by certified mail. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be sufficient proof of notice.. Any When We Do Not Renew Condition is deleted. The following conditions are added 1. When We Do Not Renew a. We may elect not to renew this Policy by mailing by certified mail or delivering written notice of nonrenewal to the first Named Insured s last mailing address known to us. We will mail or deliver this notice at least 45 days before the 1 Expiration of the Policy or 2 Anniversary date of this Policy if this Policy has been written for a term of more than one year. b. This provision does not apply 1 If we have indicated a willingness to renew 2 In case of nonpayment of premium 3 If you do not pay any advance premium required by us for renewal or 4 If any property covered in this Policy is insured under any other insurance policy. 2. Renewal a. If we 1 Elect to renew this Policy and 2 Have the necessary information to issue a renewal policy we will confirm in writing at least 45 days before it expires our intention to renew this Policy and the premium at which this Policy will be renewed. b. If we do not comply with the provisions of Paragraph a. you will have renewal coverage. The renewal coverage will be at the rates 1 In effect under the expiring or expired policy or 2 In effect on the expiration date that have been approved by the Commissioner whichever are lower. This renewal coverage will be on a pro rata basis and will continue for 45 days after we confirm renewal coverage and premium. If you accept this renewal policy this Paragraph b. does not apply. Page 2 of 2 Insurance Services Office Inc. 2014 INSURED IL 021906 15 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply C. Under any Liability Coverage to bodily A. Under any Liability Coverage to bodily injury or property damage resulting 1L 00 21 09 08 injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwriters 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 required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to 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 organization. 2 B. Under any Medical Payments coverage to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time possessed 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 nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. 2 3. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. Insurance Services Office Inc. 2007 Page 1 of 2 C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time possessed 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 nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. 2 3 Insurance Services Office Inc. 2007 Page 1 of 2 INSURED | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel component solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is 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 disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Insurance Services Office Inc. 2007 Page 2 of 2 1L 00 21 09 08 INSURED | 2 |
GENERAL LIABILITY ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION EXCLUSIONS ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice nor can it be construed to be in addition to or replace any provisions of your policy including its endorsements. If there is any conflict between this Notice and your policy including its endorsements the provisions of the policy including its endorsements shall prevail. Carefully read your policy including the endorsements attached to your policy. This Notice provides information concerning the following new endorsements which applies to your renewal policy being issued by us CG 21 06 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. Under Coverage B Personal And Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. CG 21 07 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Limited Bodily Injury Exception Not Included For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. However when this endorsement is attached it will result in a reduction of coverage due to the deletion of an exception with respect to damages because of bodily injury arising out of loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. Under Coverage B Personal And Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. APN02520514 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 INSURED | 2 |
CG 21 08 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information Coverage B Only For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. CG 04 37 05 14 Electronic Data Liability For Use With The Commercial General Liability Coverage Part With respect to damages arising out of access or disclosure of confidential or personal information when this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. Under Coverage B Personal And Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. CG 33 53 05 14 Exclusi Data related Liability Contractors Protective Lial Access Or Disclosure Of Confidential Or Personal Information And Limited Bodily Injury Exception For Use With The Owners And y Coverage Part and Products Completed Operations Coverage Part When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. CG 33 59 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Limited Bodily Injury Exception Not Included For Use With The Owners And Contractors Protective Liability and Products Completed Operations Liability Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. However when this endorsement is attached it will result in a reduction of coverage due to the deletion of an exception with respect to damages because of bodily injury arising out of loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. CG 33 63 05 14 Exclusion Access Disclosure Or Unauthorized Use Of Electronic Data For Use With The Electronic Data Liability Coverage Part With respect to damages arising out of access or disclosure of confidential or personal information when this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of confidential or personal information. This is a reinforcement of coverage. However to the extent that damages arising out of theft or unauthorized viewing copying use corruption manipulation or deletion of electronic data by any Named Insured past or present employee temporary worker or volunteer worker of the Named Insured may extend beyond loss of electronic data arising out of such theft or the other listed items this revision may be considered a reduction in coverage. APN02520514 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY CG P 017 06 15 GENERAL LIABILITY UNMANNED AIRCRAFT ENDORSEMENTS ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the Policy and this Notice THE PROVISIONS OF THE POLICY SHALL PREVAIL. Carefully read your policy including the endorsements attached to your policy. This Notice provides information concerning the following new and revised endorsements which applies to your renewal policy being issued by us FOR USE WITH THE COMMERCIAL GENERAL LIABILITY COVERAGE PART CG 21 09 Exclusion Unmanned Aircraft When this endorsement is attached to your policy coverage is excluded with respect to bodily injury and property damage arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft. The attachment of this endorsement will result in a reduction in coverage under Coverage A Bodily Injury And Property Damage Liability to the extent that 1. An exposure exists with respect to unmanned aircraft that are not owned or operated by or rented or loaned to any insured or 2. Liability is assumed under any insured contract for the ownership maintenance or use of unmanned aircraft. In addition this endorsement excludes coverage with respect to personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft with certain exceptions. The attachment of this endorsement will result in a reduction in coverage under Coverage B Personal And Advertising Injury Liability to the extent that an exposure exists with respect to unmanned aircraft. However the attachment of this endorsement would not result in a reduction of coverage with respect to the use of another s advertising idea in your advertisement or to infringing upon another s copyright trade dress or slogan in your advertisement. CG 21 10 Exclusion Unmanned Aircraft Coverage A Only When this endorsement is attached to your policy coverage is excluded with respect to bodily injury and property damage arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft. The attachment of this endorsement will result in a reduction in coverage under Coverage A Bodily Injury And Property Damage Liability to the extent that 1. An exposure exists with respect to unmanned aircraft that are not owned or operated by or rented or loaned to any insured or 2. Liability is assumed under any insured contract for the ownership maintenance or use of unmanned aircraft. CGP017 06 15 Insurance Services Office Inc. 2015 INSURED Page 1 0of 4 | 2 |
CG 21 11 Exclusion Unmanned Aircraft Coverage B Only When this endorsement is attached to your policy coverage is excluded with respect to personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft with certain exceptions. The attachment of this endorsement will result in a reduction in coverage under Coverage B Personal And Advertising Injury Liability to the extent that an exposure exists with respect to unmanned aircraft. However the attachment of this endorsement would not result in a reduction of coverage with respect to the use of another s advertising idea in your advertisement or to infringing upon another s copyright trade dress or slogan in your advertisement. CG 21 37 Exclusion Employees And Volunteer Workers As Insureds When this endorsement is attached to your policy employees and volunteer workers will not be considered insureds. If the previous edition of this endorsement was attached to your policy the attachment of this endorsement will result in a broadening of coverage with respect to An employee s or volunteer worker s operation of certain machinery or equipment that would qualify under the definition of mobile equipment if it were not subject to certain motor vehicle insurance laws and An employee or volunteer worker acting as your real estate manager. CG 21 66 Exclusion Volunteer Workers When this endorsement is attached to your policy volunteer workers will not be considered insureds. If the previous edition of this endorsement was attached to your policy the attachment of this endorsement will have no impact on coverage. CG 24 50 Limited Coverage For Designated Unmanned Aircraft When this endorsement is attached to your policy coverage is excluded with respect to bodily injury and property damage arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft with the exception of unmanned aircraft that are designated in the Schedule of the endorsement but only related to operations or projects that are also designated in the Schedule. The attachment of this endorsement will result in a broadening of coverage under Coverage A Bodily Injury And Property Damage Liability with respect to designated unmanned aircraft that are owned or operated by or rented or loaned to any insured but only with respect to designated operations or projects. However the attachment of this endorsement will result in a reduction in coverage under Coverage A to the extent that An exposure exists with respect to unmanned aircraft that are not owned or operated by or rented or loaned to any insured or Liability is assumed under any insured contract for the ownership maintenance or use of unmanned aircraft with respect to unmanned aircraft that are o Not designated in the Schedule of the endorsement or e Designated in the Schedule of the endorsement with respect to operations or projects that are not designated in the Schedule of the endorsement. In addition this endorsement excludes coverage with respect to personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft with certain exceptions. The attachment of this endorsement will result in a reduction in coverage under Coverage B Personal And Advertising Injury Liability to the extent that an exposure exists with respect to unmanned aircraft but only if such unmanned aircraft are Not designated in the Schedule of the endorsement or Designated in the Schedule of the endorsement with respect to operations or projects that are not designated in the Schedule of the endorsement. However the attachment of this endorsement would not result in a reduction of coverage with respect to the use of another s advertising idea in your advertisement or to infringing upon another s copyright trade dress or slogan in your advertisement. Page 2 of 4 Insurance Services Office Inc. 2015 INSURED CGP 01706 15 | 2 |
This endorsement contains an optional Unmanned Aircraft Liability Aggregate Limit. If a limit is shown in the Schedule any coverage provided under the endorsement is subject to that aggregate limit. The Unmanned Aircraft Liability Aggregate Limit will be subject to the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever applies. All other limits continue to apply if and to the extent that the Unmanned Aircraft Liability Aggregate Limit has not been used up. CG 24 51 Limited Coverage For Designated Unmanned Aircraft Coverage A Only When this endorsement is attached to your policy coverage is excluded with respect to bodily injury and property damage arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft with the exception of unmanned aircraft that are designated in the Schedule of the endorsement but only related to operations or projects that are also designated in the Schedule. The attachment of this endorsement will result in a broadening of coverage under Coverage A Bodily Injury And Property Damage Liability with respect to designated unmanned aircraft that are owned or operated by or rented or loaned to any insured but only with respect to designated operations or projects. However the attachment of this endorsement will result in a reduction in coverage under Coverage A to the extent that An exposure exists with respect to unmanned aircraft that are not owned or operated by or rented or loaned to any insured or Liability is assumed under any insured contract for the ownership maintenance or use of unmanned aircraft with respect to unmanned aircraft that are o Not designated in the Schedule of the endorsement or o Designated in the Schedule of the endorsement with respect to operations or projects that are not designated in the Schedule of the endorsement. This endorsement contains an optional Coverage A Unmanned Aircraft Liability Aggregate Limit. If a limit is shown in the Schedule any coverage provided under the endorsement is subject to that aggregate limit. The Coverage A Unmanned Aircraft Liability Aggregate Limit will be subject to the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever applies. All other limits continue to apply if and to the extent that the Coverage A Unmanned Aircraft Liability Aggregate Limit has not been used up. CG 24 52 Limited Coverage For Designated Unmanned Aircraft Coverage B Only When this endorsement is attached to your policy coverage is excluded with respect to personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft with certain exceptions. The attachment of this endorsement will result in a reduction in coverage under Coverage B Personal And Advertising Injury Liability to the extent that an exposure exists with respect to unmanned aircraft but only if such unmanned aircraft are Not designated in the Schedule of the endorsement or Designated in the Schedule of the endorsement with respect to operations or projects that are not designated in the Schedule of the endorsement. However the attachment of this endorsement would not result in a reduction of coverage with respect to the use of another s advertising idea in your advertisement or to infringing upon another s copyright trade dress or slogan in your advertisement. This endorsement contains an optional Coverage B Unmanned Aircraft Liability Aggregate Limit. If a limit is shown in the Schedule any coverage provided under the endorsement is subject to that aggregate limit. The Coverage B Unmanned Aircraft Liability Aggregate Limit will be subject to the General Aggregate Limit. The Personal And Advertising Injury Limit continues to apply if and to the extent that the Coverage B Unmanned Aircraft Liability Aggregate Limit has not been used up. CGP017 06 15 Insurance Services Office Inc. 2015 INSURED Page 3 of 4 | 2 |
FOR USE WITH THE OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART CG 29 60 Exclusion Unmanned Aircraft When this endorsement is attached to your policy coverage is excluded with respect to bodily injury and property damage arising out of the ownership maintenance use or entrustment to others of any unmanned aircraft. The attachment of this endorsement will result in a reduction in coverage to the extent that an exposure exists with respect to unmanned aircraft. Page 4 of 4 Insurance Services Office Inc. 2015 INSURED CGP 01706 15 | 2 |
The Policy Number Hanover WFR GL10000165 02 Insurance Group COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL DECLARATIONS NOVA Casualty Company Named Insured Q RESORTS INC. Effective Date 12 01 2020 1201 A.M. Standard Time Agent Name Safehold Special Risk Inc. Agent No. 10025 Audit Period ANNUAL Item 1. Business Description SKI RESORT Coverage Limit of Liability Aggregate Limits of Liability Products Completed 2000000 Operations Aggregate General Aggregate other than NOT APPLICABLE Products Completed Operations Coverage A Bodily Injury and any one occurrence subject to Property Damage Liability 1000000 the Products Completed Operations and General Aggregate Limits of Liability any one premises subject to the Damage To Premises Coverage A occurrence and the Rented To You 1000000 General Aggregate Limits of Liability Coverage B Personal and any one person or organization Advertising Injury 1000000 subject to the General Aggregate Liability Limits of Liability Coverage C Medical Payments any one person subject to the Coverage A occurrence and the NOT COVERED General Aggregate Limits of Liabilit Item 3. Retroactive Date Coverage A of this Insurance does not apply to bodily injury or property damage which occurs before the Retroactive Date if any shown here NONE Enter Date or None if no Retroactive Date applies Item 4. Form of Business and Location of Premises Forms of Business CORPORATION Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 5. Forms and Endorsements Forms and Endorsements made a part of this policy at time of issue See Schedule of Forms and Endorsements Item 6. Premiums Coverage Part Premium 119752.00 Other Premium Total Premium 119752.00 THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD. GL DEC 0798 FR GL10000165 02 PART Effective Date 12 01 2020 1201 A.M Standard Time Risk Inc. e NOT 00 ABLE 1000000 1000000 Damage To Premises Rented To You INSURED | 2 |
The Hanover Insurance Group THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD. GL DEC 0798 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMPOSITE RATE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM It is agreed that such insurance as is afforded by this policy applies subject to the following provisions 1. The rates and premiums shown in this endorsement shall apply with respect to all operations for the insured in states where the policy affords coverage. The advance premium stated in the declarations is an estimated premium only. Upon termination the earned premium shall be computed in accordance with the applicable rates. If the earned premium computed exceeds the total advance premium and all interim adjustments the insured pays the excess to the company. If less the company shall return to the named insured the unearned portion. The basis premium for this policy is as specified in the schedule below SCHEDULE Estimated. Estimated State Exposure Premium Base Composite Rate Premium 32570799 Gross Receipts Per 100 0.367 PR PO 119752.00 Total 119752.00 All other terms and conditions of this policy remain unchanged. AGL01730109 Includes copyright material from Insurance Service Office Inc. INSURED Page 1 of 1 | 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 Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or Bor 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 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. 3 d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. his policy restrict coverage. arefully to determine rights 10 t covered. e words you and your refer own in the Declarations and nization qualifying as a Named y. The words we us and providing this insurance. s any person or organization or Section Il Who Is An es that appear in quotation ining. Refer to Section V S INJURY AND PROPERTY ums that the insured becomes pay as damages because of roperty damage to which this We will have the right and e insured against any suit vaaes. However. we will have CG 00010413 Insurance Services Office Inc. 2012 INSURED Page 1 of 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or 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 injuryto 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 INSURED CG 00010413 | 1 |
. 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 i Bodily injuryor 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 Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire i b At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or c d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor i Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. CG 00010413 Insurance Services Office Inc. 2012 INSURED Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph f.2 or.3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 3 Page 4 of 16 Insurance Services Office Inc. 2012 INSURED CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your 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 usion does not apply to ded in the products ard. ur product arising out ur work arising out of it luded in the products ard. apply if the damaged CG 00010413 Insurance Services Office Inc. 2012 INSURED 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 Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or Bor 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. ance applies to this coverage 1 Il Limits Of Insurance. IAL AND ADVERTISING ums that the insured becomes pay as damages because of ertising injury to which this Page 6 of 16 Insurance Services Office Inc. 2012 INSURED CG 00010413 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. publishing or n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 4 CG 00010413 Insurance Services Office Inc. 2012 INSURED 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.. 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.. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests.. Products Completed Operations Hazard Included within the products completed operations hazard.. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. b. All expenses we incur. 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.. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds.. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work.. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured.. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. as described an accident u own or rent 1 the coverage icy period 1 and roanartad Page 8 of 16 Insurance Services Office Inc. 2012 INSURED CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. b c d So long as the above conditons are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section I Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. 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. lit and the information rence are such that no etween the interests of sts of the indemnitee e insured ask us to the defense of that suit and agree that we ounsel to defend the e and CG 00010413 Insurance Services Office Inc. 2012 INSURED Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above 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 d 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. c 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 Iil 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 INSURED 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 damageto any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claimis made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. 2. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. vioTWUiipIeeu Personal And will pay under s because of tained by any e whichever the most we erty damage Damage To most we will because of while rented while rented oy you with he last preceding periud for purposes Limits of Insurance. DMMERCIAL GENERAL LIABILITY CG 00010413 Insurance Services Office Inc. 2012 INSURED 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 Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below.. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work i That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner iii That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Secton I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. b. Premium shown 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured.. The first Named Insured must keep records of the informaton we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Page 12 of 16 Insurance Services Office Inc. 2012 INSURED CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged.. Hostile fire However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. 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 fulfiling the terms of the contract or agreement. WY deeiylivid it e lamed Insured this vere the only Named gainst whom claim is Against Others To yver all or part of any this Coverage Part us. The insured must them. At our request ansfer those rights to overage Part we will ed Insured shown in e CG 00010413 Insurance Services Office Inc. 2012 INSURED Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 2 b 10. 1 12. Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker..Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or autoto the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. agreement except in ruction or demolition feet of a railroad ired by ordinance to except in connection ty S reamant Page 14 of 16 Insurance Services Office Inc. 2012 INSURED CG 00010413 | 1 |
13. 14. 1 o 3 Air However self propelled vehicles with following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. b. c. False arrest detention or imprisonment Malicious prosecution The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services. Oral or written publication in any manner of material that violates a person s right of privacy. The use of another s advertising idea in your advertisement or Infringing upon another s copyright trade dress or slogan in your advertisement. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 3 Products or the 16. Products completed operations hazard. Includes all damage occurring away from premises you own or rent and arising out of your productor your work except 1 Products bodily injury and property that are still in your possession or physical 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. equipment but will be imarily for but not construction milar devices mounted k chassis and used to and mps and generators welding building exploration lighting pment. does not include any t to a compulsory or r other motor vehicle icensed or principally ct to a compulsory or r other motor vehicle autos. accident including ure to substantially the ns. injury means injury y injury arising out of ffenses mprisonment n wrongful entry into private occupancy of a nises that a person or on behalf of its n in any manner of r libels a person or jee a pereon s or 2 3 CG 00010413 Insurance Services Office Inc. 2012 INSURED Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21. Your product 18. 19. a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure 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 warnings or instructions. to provide to provide Page 16 of 16 Insurance Services Office Inc. 2012 INSURED CG 00010413 | 1 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY EXTRA ENDORSEMENT RESORTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Paragraph 2. Exclusions is amended as follows 1. EXPECTED OR INTENDED INJURY EXTENSION a. Paragraph a. Expected Or Intended Injury is deleted and replaced by the following Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. 2. NON OWNED WATERCRAFT EXTENSION Subparagraph 2 of g. Aircraft Auto Or Watercraft is deleted and replaced by the following 2 A watercraft you do not own that is a Less than 52 feet long and b Not being used to carry persons or property for a charge. This provision applies to any person who with your consent either uses or is responsible for the use of a watercraft. This insurance is excess over any other valid and collectible insurance available to the insured whether primary excess or contingent. 3. The last paragraph of 2. Exclusions is deleted and replaced by the following Exclusions c. through n. do not apply to damage by fire to premises including standing timber 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. SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY is amended as follows 1. Paragraph 1.b. of Insuring Agreement is deleted and replaced by the following b. With respect to Advertisers and Broadcasters this insurance applies to personal and advertising injury caused by an offense arising out of your business. 2. Paragraph 2. Exclusions sub paragraph e. Contractual Liability is deleted in its entirety. 3. Paragraph 2. Exclusions sub paragraph j. Insureds In Media And Internet Type Businesses is deleted and replaced by the following j. Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of websites for others or 3 An Internet search access content or service provider. SUPPLEMENTARY PAYMENTS COVERAGES A AND B paragraphs 1.b. and 1.d. are deleted and replaced by the following b. Up to 2500 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. 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 300 a day because of time off from work. AGL01780719 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 0of 5 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY D. SECTION Il WHO IS AN INSURED is amended as follows BROADENED NAMED INSURED Paragraph 3. is deleted and replaced by the following Any business entity organized under the laws of the United States of America including any state thereof its territories or possessions or Canada including any province thereof will qualify as a Named Insured if there is no similar insurance available to that business entity provided that one or more Named Insureds shown in the Declarations have at the inception of the policy period an ownership interest in such business entity of more than 50. However if a Named Insured has an ownership interest in a business entity of more than 50 the business entity will not be a Named Insured if such business entity is an insured under any other liability policy or would be an insured under such policy but for its termination or the exhaustion of its Limit of Insurance. E. ADDITIONAL INSUREDS 1. SECTION Il WHO IS AN INSURED is amended to include as an additional insured any persons or organizations for whom a written contract or written agreement between you and such persons or organizations exists and requires such persons or organizationss to be added as an additional insured to your Policy. This additional insured status applies to liability because of bodily injury property damage or personal and advertising injury but shall not apply to any independent acts or omissions of such person or organization who qualifies as an additional insured. a. This endorsement applies only if the written contract or written agreement is 1 Currently in effect or becomes effective during the term of this Policy and 2 Executed prior to the bodily injury property damage or personal and advertising injury. b. The insurance afforded to such additional insured only 1 Applies to the extent permitted by law and 2 Will not be broader than that which you are required by the written contract or written agreement to provide for such additional insured. The insurance provided to the additional insured by this endorsement applies as follows a. The persons or organizations is an additional insured but only for liability caused in whole or in part by your acts or omissions or the acts or omissions of those acting on your behalf 1 In connection with premises owned by or rented to you or 2 Inthe performance of your ongoing operations. b. If the additional insured is an architect engineer or surveyor this insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services including 1 The preparing approving or failing to prepare or approve maps drawings opinions reports surveys change orders designs or specifications or 2 Supervisory inspection or engineering services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or the failure to render any professional services by or for you. c. If the additional insured is a lessor of equipment this insurance only applies to liability caused in whole or in part by your maintenance operation or use of equipment leased to you by such additional insured and does not apply to any occurrence which takes place after the equipment lease expires. d. If the additional insured is a state or governmental agency or political subdivision and has issued a permit in connection with premises you own rent or control this insurance applies only with respect to the following hazards for which the state or political subdivision has issued such permit 1 The existence maintenance repair construction erection or removal of advertising signs awnings canopies cellar entrances coal holes driveways manholes marquees hoist away openings sidewalk vaults street banners or decoration and similar exposures 2 The construction erection or removal of elevators or 3 The ownership maintenance or use of any elevators covered by this insurance. AGL01780719 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 5 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY e. If the additional insured is a state or governmental agency or political subdivision that has issued a permit or authorization with respect to operations performed by you or on your behalf then this insurance does not apply to bodily injury property damage or personal and advertising injury arising out of operations performed for the federal government state or municipality or bodily injury or property damage included within the products completed operations hazard. f. If the additional insured is a manager or lessor of insured premises that person or organization is an additional insured but only with respect to liability caused in whole or in part by the ownership maintenance or use of that part of the premises leased to you. This insurance does not apply to 1 Any occurrence that 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 manager or lessor of insured premises. g. If the additional insured is a grantor of a franchise that persons or organizations is only an additional insured with respect to liability as grantor of a franchise to you. h. If the additional insured is an owner or has some other interest in land that has been leased to you that persons or organizations is only an additional insured with respect to liability caused in whole or in part by the ownership maintenance or use of that part of the land leased to you. This insurance does not apply to 1 Any occurrence that takes place after you cease to lease that land 2 Structural alterations new construction or demolition operations performed by or on behalf of the owner or other interest from whom land has been leased. i. If the additional insured is a mortgagee assignee or receiver that persons or organizations is only an additional insured with respect to liability caused in whole or in part by the ownership maintenance or use of the premises by you. This insurance does not apply to structural alterations new construction or demolition operations performed by or for that mortgagee assignee or receiver. j If the additional insured has a controlling interest that persons or organizations is an additional insured but only for liability caused in whole or in part by 1 Their financial control of you or 2 Premises they own maintain or control while you lease or occupy those premises. This insurance does not apply to structural alterations new construction and demolition operations performed by or for that controlling interest. k. If the additional insured is a vendor that persons or organizations is only an additional insured with respect to bodily injury or property damage caused in whole or in part by your products which are distributed or sold in the regular course of the vendor s business but only if this Policy provides coverage for bodily injury or property damage included within the products completed operations hazard. 1 This insurance afforded to the vendor does not apply to a Bodily injury or property damage for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement b Any express warranty unauthorized by you c Any physical or chemical change in the product made intentionally by the vendor d Repackaging except when unpacked under the instructions of the manufacturer for the sole purpose of inspection demonstration testing or the substitution of parts and then repackaged in the original container e Any failure by the vendor to make inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of your products f Demonstration installation servicing or repair operations except such operations performed at the vendor s premises in connection with the sale of your products g Products which after distribution or sale by you have been labeled or relabeled or used as a container part or ingredient of any other thing or substance by or for the vendor or AGL01780719 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 3 of 5 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY h Bodily injury or property damage arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However this exclusion does not apply to i The exceptions contained in subparagraphs d or f or ii Such inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of your products. 2 This insurance does not apply to any insured person or organization from whom you have acquired such products or any ingredient part or container entering into accompanying or containing such products. With respect to the insurance afforded to an additional insured as provided in Paragraphs E.1. and E.2. above the most we will pay on behalf of the additional insured is the amount of insurance a. Required by the contract or agreement or b. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. With respect to the insurance afforded to an additional insured as provided in paragraphs E.1. and E.2. above this insurance shall not increase the applicable Limits of Insurance shown in the Declarations. With respect to the insurance afforded to these additional insureds the following additional exclusions apply a. This insurance does not apply to 1 Bodily injury or property damage occurring after a All work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or b That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. 2 Bodily injury property damage or personal and advertising injury caused by the rendering or failure to render any professional services. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Paragraph 4. Other Insurance is amended to include For the purposes of this endorsement this insurance shall be either primary or primary and non contributory if the written contract or written agreement between you and the additional insured requires primary or primary and non contributory status for the additional insured. This insurance shall be excess to any other policy providing additional insured coverage to the additional insured person or organization for the same claim or suit. F. SECTION IV CONDITIONS is amended as follows 1. KNOWLEDGE AND NOTICE OF OCCURRENCE OFFENSE CLAIM OR SUIT Paragraph 2. Duties In The Event Of Occurrence Offense Claim Or Suit is amended to add the following Your obligation to notify us as soon as practicable of an occurrence offense claim or suit is satisfied if you send us written notice as soon as practicable after any of your executive officers directors partners insurance managers or legal representatives becomes aware of or should have become aware of such occurrence offense claim or suit. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us We agree to waive any right of recovery we may have against any person or organization when such waliver is required by a written contract that you have agreed to prior to any occurrence suit or the offense which caused the bodily injury property damage or personal and advertising injury provided that the occurrence suit or the offense which caused the bodily injury property damage or personal and advertising injury arises out of your ongoing operations or your work done under a written contract with that person or organization and included in the products completed operations hazard. AGL01780719 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 4 of 5 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY 3. FAILURE TO DISCLOSE HAZARDS The following is added to Paragraph 6. Representations If you unintentionally failed to disclose all hazards or prior occurrences or offenses existing at the inception of this Policy but reported such error or omission to us as soon as practicable after discovery then we will not deny coverage under this Coverage Part because of such failure. This provision does not affect our right to collect any additional premium or exercise our right of cancellation or non renewal. G. SECTION V DEFINITIONS is amended as follows 1. BODILY INJURY The definition of bodily injury in Paragraph 3. is deleted and replaced by the following 3. Bodily injury means a Bodily injury sickness or disease sustained by a person and also includes mental anguish or emotional distress provided such mental anguish or emotional distress results from any of these and b Death resulting from bodily injury sickness or disease. 2. EMPLOYEE The definition of employee in Paragraph 5. is deleted and replaced by the following 5. Employee includes a leased worker or a temporary worker. However this definition does not apply to COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Paragraph 2. Exclusions sub paragraph e. Employers Liability. 3. INSURED CONTRACT The definition of insured contract in Paragraph 9. sub paragraph f. is deleted and replaced by the following 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 Thatindemnifies 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 instruction or failing to give them if that is the primary cause of the injury or damage or 2 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 1 above and supervisory inspection architectural or engineering activities. 4. EXTENDED DEFINITION OF PERSONAL AND ADVERTISING INJURY The definition of personal and advertising injury in Paragraph 14.b. is deleted and replaced by the following Abuse of process and malicious prosecution. All other terms and conditions of the policy remain unchanged. AGL01780719 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 5 of 5 INSURED | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DAMAGE TO CUSTOMERS AUTOS AND WATERCRAFT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Premium INCLUDED Insurance is provided only with respect to those coverages for which a specific Limit of Insurance and Deductible are shown Loc. Coverages Limit of Insurance for Each Location All 1000000 subject to the deductible shown on the Self Insured Retention Expenses Within Retention endorsement for each Comprehensive Customer s Auto or Customer s Watercraft for loss caused by theft or mischief or vandalism subject to 0 maximum deductible for all such loss in any one event. All 1000000 minus subject to the deductible shown on the Self Insured Collision Retention Expenses Within Retention endorsement for each Customer s Auto or Customer s Watercraft. EXCESS INSURANCE Damage to Customer s Autos and Watercraft applies on a legal liability basis. However coverage also applies without regards to your or any other insured s legal liability for loss to a customer s auto or customer s watercraft on an excess basis over any other collectible insurance regardless of whether the other insurance covers your or any other insured s interest or the interest of the customer s auto s or customer s watercraft s owner. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. All of the following applies as respects Damage to Customer s Autos and Watercraft only. Unless specifically referenced all other terms and conditions of the policy apply. A. This endorsement provides only those coverages 1. 2. Where a Limit of Insurance is shown for that coverage in the Schedule and For the locations shown in the Schedule. B. Coverage 1. We will pay all sums the insured legally must pay as damages for loss to a customer s auto a customer s watercraft customer s watercraft equipment or customer s auto equipment left in the insured s care while the insured is attending servicing repairing parking or storing it in your garage operations under a. Comprehensive Coverage from any cause except 1 The customer s auto s or customer s watercraft s collision with another object or 2 The customer s auto s or customer s watercraft s overturn. b. Collision Coverage Caused by 1 The customer s auto s or customer s watercraft s collision with another object or 2 The customer s auto s or customer s watercraft s overturn. All All AGL01821108 Includes copyright material from Insurance Services Office Inc. INSURED Page 10f 3 | 2 |
COMMERCIAL GENERAL LIABILITY We have the right and duty to defend any insured against a suit asking for these damages. However we have no duty to defend any insured against a suit seeking damages for any loss to which this insurance does not apply. We may investigate and settle any claim or suit as we consider appropriate. Our duty to defend or settle ends for a coverage when the Limit of Insurance for that coverage has been exhausted by payment or judgments or settlements. Who is An Insured The following are insureds for loss to customer s autos customer s watercraft customer s watercraft equipment and customer s autos equipment a. You b. Your partners if you are a partnership members if you are a limited liability company employees directors or shareholders while acting within the scope of their duties as such. Exclusions 1. 2. Exclusion j.4. is deleted as respects Damage to Customers Autos and Watercraft only. This insurance does not apply to any of the following a. Contractual Obligations Liability resulting from any agreement by which the insured accepts responsibility for loss. b. Theft Loss due to theft or conversion caused in any way by you your employees or by your shareholders. c. Defective Parts Defective parts or materials. d. Faulty Work Faulty work you performed. We will not pay for loss to any of the following a. Tape decks or other sound reproducing equipment unless permanently installed in a customer s auto or customer s watercraft. b. Tapes records or other sound reproducing devices designed for use with sound reproducing equipment. c. Sound receiving equipment designed for us as a citizens band radio two way mobile radio or telephone or scanning monitor receiver including its antennas and other accessories unless permanently installed in the dash or console opening normally used by the customer s auto or customer s watercraft manufacturer for the installation of a radio. d. Any device designed or used to detect speed measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed measuring equipment. Limit of Insurance And Deductible 1. Regardless of the number of customer s autos customer s watercraft insureds premiums paid claims made or suits brought the most we will pay for each loss at each location is the Damage to Customer s Autos and Watercraft Limit of Insurance shown in the Schedule for that location minus the applicable deductibles for loss caused by collision and theft or mischief or vandalism. The maximum deductible stated in the Declarations for Damage to Customer s Autos or Watercraft Comprehensive is the most that will be deducted for all loss in any one event caused by theft or mischief or vandalism. Sometimes to settle a claim or suit we may pay all or any part of the deductible. If this happens you must reimburse us for the deductible or that portion of the deductible that we paid. Additional Definitions 1. Customer s auto means a customer s land motor vehicle recreational vehicle trailer or semitrailer. It also includes any customer s auto while left with you for service repair storage or safekeeping. Customers include your employees and members of their households who pay for services performed. AGL01821108 Includes copyright material from Insurance Services Office Inc. INSURED Page 2 of 3 | 2 |
COMMERCIAL GENERAL LIABILITY Customer s watercraft means a customer s boat including boats with inboard or outboard motors and sailboats. Customer s watercraft does not mean jet skis or similar personal watercraft or high performance watercraft of any type. Loss means direct and accidental loss or damage including any resulting loss of use. Garage operations means the ownership maintenance or use of locations for garage business and that portion of the roads or other accesses that adjoin these locations. Garage operations also include all operations necessary or incidental to a garage business whether or not conducted in connection with any other business you own or operate. Work you performed includes a. Work that someone performed on your behalf and b. The providing of or failure to provide warnings or instructions. All other terms and conditions under the policy remain unchanged. AGL01821108 Includes copyright material from Insurance Services Office Inc. INSURED Page 3 of 3 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CARE CUSTODY OR CONTROL LIMITED COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Operations SKI RESORT Care Custody or Control Limits of Insurance 250000 Each Occurrence Property Damage to personal property arising out of Care Custody or Control 250000 Aggregate Property Damage to personal property arising out of Care Custody or Control If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. 250000 Exclusion 2.j.4 of Section I. Coverage A does not apply to operations described in the Schedule above. The most we will pay for property damage to personal property in the insured s care custody or control in any one occurrence is the Each Occurrence limit shown in the schedule of this endorsement. The Aggregate limit is the most we will pay for all property damage claims to personal property in the insured s care custody or control during the policy period. All other terms and conditions under the policy remain unchanged. AGL01831108 Includes copyright material from Insurance Services Office Inc. INSURED Page 1 of 1 | 2 |
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