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COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MEDICAL PERSONNEL COVERAGE INCLUDING VOLUNTEER WORKERS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to SECTION COVERAGES Coverage A Bodily Injury and Property Damage Liability Insuring Agreement. We will pay those sums that the insured becomes legally obligated to pay as a result of an occurrence arising out of the performing of professional health care services. This applies only to the professional health care services while performing duties related the conduct of your business. Section Il Who Is An Insured is amended to include your employees and volunteer workers for acts within the scope of their employment by you while performing duties related to the conduct of your business including duties arising out of his or her providing or failure to provide professional health services. If volunteer workers have been added to this coverage part as additional insureds the provision referencing providing or failure to provide professional health care services is deleted. All other terms and conditions of this policy remain unchanged. AGL01851108 Includes copyright material from Insurance Services Office Inc. INSURED Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SELF INSURED RETENTION EXPENSES WITHIN RETENTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following is added to SECTION Ill LIMITS OF INSURANCE SELF INSURED RETENTION A. The insured has the duty to defend any claim or suit seeking damages to which this insurance applies and shall be responsible for paying any claim expenses. The claim expenses incurred by the insured serve to erode the Self Insured Retention shown in the Declarations. B. We shall have no obligation to pay or indemnify the insured for any amount 1. Until the amount of damages for which the insured is liable to pay together with any claim expenses exceeds the Self Insured Retention or 2. Until the amount of claim expenses is less than or equal to the Self Insured Retention and it has been determined that the insured is not liable to pay damages. C. The insured shall make claim for indemnification under this coverage as soon as practicable after one of the following occurs 1. The sum of damages to which this insurance applies plus claim expenses exceed the Self Insured Retention or 2. The amount of claim expenses exceeds the Self Insured Retention regardless of whether damages are ever assessed against the insured. We shall then promptly indemnify the insured for such amount that exceeds the Self Insured Retention subject to the limit of insurance shown in the Declarations. D. The insured s legal obligation to pay damages must be evidenced either by a judgment against the insured after actual trial or by a written settlement agreement executed by the insured and the claimant. The insured must obtain our prior written consent before offering or agreeing to pay an amount which exceeds the Self Insured Retention in order to settle any claim or suit seeking damages to which this insurance applies. E. We have no duty to defend any claim or suit to which the Self Insured Retention applies but we shall have the right to associate with the insured in the defense of any claim or suit which in our sole opinion may create indemnification obligations for us under this coverage. You will cooperate with us if we choose to exercise this right. F. We shall also have the right but not the duty to assume control in the defense of any claim or suit which in our sole opinion may create indemnification obligations for us under this coverage. This assumption of control shall include but not be limited to 1. The investigation of any occurrence accident loss offense claim or suit 2. The selection or retention of defense counsel AGL01871208 Includes copyright material from Insurance Services Office Inc. with it s permission INSURED Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY 3. The appeal of any judgment or 4. The settlement of any claim or suit. G. If we exercise our rights specified in paragraphs E. and F. above we shall pay our own claim expenses. The Self Insured Retention applies as follows A. Each Occurrence When coverage is provided to you on an Each Occurrence basis then for each occurrence to which this insurance applies you are responsible for paying for all resulting damages up to the Self Insured Retention regardless of the number of persons or organizations who sustain damages because of that occurrence. B. Aggregate Any One Policy Period When an aggregate amount is shown that amount is the most you will pay for the total of all Self Insured Retentions in any one policy period for all claims or losses to which this insurance applies. The Limits of Insurance shown in the Declarations will not be reduced by your payment of any Self Insured Retention. It is agreed that paragraph d. of 2. Duties In The Event Of Occurrence Offense Claim Or Suit SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is hereby deleted. It is agreed that paragraph 8. of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted and replaced by the following 8. Transfer of Rights of Recovery Against Others To Us We have the right to recover all indemnification payments which we have made to the insured from anyone liable for such loss. If the insured recovers from anyone liable for such loss we shall be reimbursed first from such recovery to the extent of our indemnification payments to the insured. a. If the insured does not commence an action or proceeding to recover damages from anyone liable for a loss paid by us the insured agrees to assign all of its rights of recovery to us and also agrees that we have the rights of the insured to recover damages from anyone liable for such loss. The insured will do everything necessary to protect those rights and help us to enforce them. Any such recovery will be allocated by us as follows 1. We will be reimbursed for all of our indemnification payments under this coverage 2. Any balance of the recovery which remains after we have been reimbursed will be paid to the insured. b. If such an action or proceeding undertaken solely by us results in no recovery we will pay all related expenses. c. If there is insurance coverage in excess of any applicable limit of insurance and if subrogation recovery is obtained from anyone liable for loss any such excess carrier will be reimbursed for any loss paid in excess of such limit before any reimbursement is made to us or the insured under the provisions of this condition. d. If there is no insurance coverage in excess of any limit of insurance and if there is a subrogation recovery in excess of such limit the insured will be reimbursed to the extent of any loss paid by the insured in excess of such limit before we are reimbursed under the provisions of this endorsement. All other terms and conditions of this policy remain unchanged. AGL01871208 Includes copyright material from Insurance Services Office Inc. with it s permission INSURED Page 2 of 2 | 2 |
POLICY NUMBER WFR GL10000165 02 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED POLLUTION LIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Limited Pollution Liability Extension Aggregate Limit 1000000 Premium INCLUDED If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. I. Exclusion f. under Section Coverage A is replaced by the following 2. Exclusions This insurance does not apply to f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a Ator 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 b 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 c 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 or d At or from a storage tank or other container ducts or piping which is below or partially below the surface of the ground or water or which at any time has been buried under the surface of the ground or water and then subsequently exposed by erosion excavation or any other means if the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants arises at or from any premises site or location i Which is or was at any time owned or occupied by or rented or loaned to any insured or ii 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. Paragraph f. 1 above does not apply to bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. 2 Any loss cost or expense arising out of any AGL01970309 Includes copyright material from Insurance Services Office Inc. Page 1 of 2 with its permission INSURED emium INCLUDED Page 1 of 2 m | 2 |
a Request demand order or statutory or regulatory requirement issued or made pursuant to any environmental protection or environmental liability statutes or regulations that any insured 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 those sums the insured becomes legally obligated to pay as 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. II. With respect to bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants A. The Each Occurrence Limit shown in the Declarations does not apply. B. Paragraph 7. of Limits Of Insurance Section lll does not apply. C. Paragraph 1. of Section lll Limits Of Insurance is replaced by the following 1. The Limits Of Insurance shown in the Schedule of this endorsement or 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. D. The following are added to Section Ill Limits Of Insurance 8. Subject to 2. or 3. above whichever applies the Limited Pollution Liability Extension Aggregate Limit shown in the Schedule is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants. Subject to 8. 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 arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants. AGL01970309 Includes copyright material from Insurance Services Office Inc. with its permission INSURED Page 2 of 2 m | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SEXUAL MISCONDUCT OR SEXUAL MOLESTATION LIABILITY COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Sexual Misconduct or Sexual Molestation Each Incident Limit 1000000 Sexual Misconduct or Sexual Molestation Aggregate Limit 1000000 Information to complete this Schedule if not shown on this endorsement will be shown in the Declarations A. The following is added to SECTION COVERAGES COVERAGE SEXUAL MISCONDUCT OR SEXUAL MOLESTATION LIABILITY COVERAGE Insuring Agreement 1. We will pay those sums the insured becomes legally obligated to pay as damages because of bodily injury arising out of a sexual misconduct or sexual molestation incident 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 to which this insurance does not apply. We may at our discretion investigate any sexual misconduct or sexual molestation incident and settle any claim or suit that may result. But a. The amount we will pay for damages is limited as described in Section Ill Limits of Insurance of this endorsement and b. 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 the insurance provided by this endorsement. No other obligation or liability to pay sums or perform acts or services is covered unless expressly provided for under Supplementary Payments. This insurance applies to bodily injury only if a. The bodily injury is caused by a sexual misconduct or sexual molestation incident arising out of your covered operations b. The bodily injury is caused by a sexual misconduct or sexual molestation incident that takes place in the coverage territory and c. The first act of a sexual misconduct or sexual molestation incident occurs during the policy period. Bodily injury caused by sexual misconduct or sexual molestation incident the first act of which occurs during this policy period includes any continuation change or resumption of that sexual misconduct or sexual molestation incident after the end of the policy period. Bodily injury 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 a sexual misconduct or sexual molestation incident or claim a. Reports all or any part of the sexual misconduct or sexual molestation incident to us or any other insurer b. Receives a written or verbal demand or claim for damages because of the sexual misconduct or sexual molestation incident or c. Becomes aware by any means that the sexual misconduct or sexual molestation incident has occurred or has begun to occur. AGL04460711 Includes copyrighted material from Insurance Services Office Inc. with its permission. INSURED Page 1 of 4 | 2 |
COMMERCIAL GENERAL LIABILITY B. SECTION COVERAGES is amended as follows 1. The following is added to Coverage A Bodily Injury and Property Damage Liability Paragraph 2. Exclusions This insurance does not apply to Bodily injury or property damage caused by a sexual misconduct or sexual molestation incident. The following is added to Coverage B Personal and Advertising Injury Liability Paragraph 2. Exclusions This insurance does not apply to Personal and advertising injury caused by a sexual misconduct or sexual molestation incident. C. With regard to the coverage provided by this endorsement the following Exclusions apply This insurance does not apply to 1. Participation In Or Knowingly Allowed Acts Any insured who participated in directed or knowingly allowed any sexual misconduct or sexual molestation incident. Failure To Report Bodily injury arising out of a failure by an insured having knowledge of an act of sexual misconduct or sexual molestation to comply with any applicable federal state or local law ordinance or regulation which requires the reporting of such act. Dishonest Fraudulent Criminal Wrongful Or Malicious Act Bodily injury or the cost of defense arising out of any intentional dishonest fraudulent criminal wrongful or malicious act error or omission committed by directed or knowingly allowed by any insured sexual discrimination or the willful or reckless violation of any statute or law. This exclusion applies even if a. The insured or the person causing the bodily injury lacks the mental capacity to control or govern his or her own conduct or b. The insured or the person causing the bodily injury temporarily lacks the capacity to control or govern his or her own conduct or is temporarily unable to form any intent to cause harm. This exclusion applies regardless of whether or not the insured or the person causing the bodily injury is actually charged with or convicted of a crime and regardless of whether or not any insured or person causing the bodily injury subjectively intended the injury or damage for which a claim is made. This exclusion precludes coverage for all insured persons under the policy regardless of whether or not the person seeking coverage participated in any way in the intentional or criminal acts or omissions. Known History Bodily injury arising out of the employment or the use of a volunteer worker of a person who had a history of committing sexual misconduct or sexual molestation of which the insured had knowledge a. Before or during that person s employment or use as a volunteer worker and b. Before that person committed the sexual misconduct or sexual molestation incident. Contractual To liability assumed by any insured under any 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. Workers Compensation And Similar Laws Any obligation of any insured under a workers compensation disability benefits or unemployment compensation law or any similar law. Employer s Liability a. Any claim made by or on behalf of 1 Any employee of the insured arising out of and in the course of employment by any insured or performing duties related to the conduct of the insured s business or 2 Any other person including but not limited to the spouse child parent brother or sister of that employee or any other person as a consequence of 1 above. b. This exclusion applies 1 Whether any insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of injury. AGL04460711 Includes copyrighted material from Insurance Services Office Inc. Page 2 of 4 with its permission. Includes copyrighted material from Insurance Services Office Inc. with its permission. INSURED Page 2 of 4 | 2 |
COMMERCIAL GENERAL LIABILITY 10. 11. 12. Employment Related Practices a. Any claim by or on behalf of 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defamation harassment humiliation or discrimination directed at that person or 2 Any other person including but not limited to the spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraph 1 above is directed. b. This exclusion applies 1 Whether the injury causing event described in 1 above occurs before employment during employment or after employment of that person 2 Whether the insured may be liable as an employer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. Bodily injury property damage personal and advertising injury a. Bodily injury not specifically provided for within this endorsement. Bodily injury for which insurance is provided by other insurance or which would have been provided but for the exhaustion of limits or b. Property damage or personal and advertising injury. Penalties And Fines Any sum awarded for fines or penalties arising out of any sexual misconduct or sexual molestation incident. Any costs fines or penalties incidental to or arising from any criminal investigation or prosecution regarding any sexual misconduct or sexual molestation incident. Prior Condition Bodily injury that results from a sexual misconduct or sexual molestation incident that first commenced prior to the beginning of the policy period for this insurance. Prior Insurance Bodily injury for which insurance is afforded under any policy with a policy period that began prior to the beginning of the policy period for this insurance.. With regard to the coverage provided by this endorsement the following is added to SECTION Il WHO IS AN INSURED of the following is an insured for bodily injury caused by a sexual misconduct or sexual molestation incident 1. 2. Any insured who participated in directed or knowingly allowed a sexual misconduct or sexual molestation incident. Any person who after having knowledge of a sexual misconduct or sexual molestation incident has failed to comply with any applicable federal state or local laws ordinances or regulations which require the reporting of such act. With regard to the coverage provided by this endorsement the following is added to SECTION Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Schedule above 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. The Sexual Misconduct or Sexual Molestation Aggregate Limit is the most we will pay for the sum of all damages because or arising in any way out of sexual abuse or sexual molestation to which this insurance applies. This limit is in addition to and not included within the General Aggregate Limit set forth in Paragraph 2. of Section Ill Limits Of Insurance. AGL04460711 Includes copyrighted material from Insurance Services Office Inc. with its permission. INSURED Page 3 of 4 | 2 |
COMMERCIAL GENERAL LIABILITY 3. Subject to the Sexual Misconduct or Sexual Molestation Aggregate Limit the Sexual Misconduct or Sexual Molestation Each Incident Limit is the most we will pay for the sum of all damages sustained in any one sexual misconduct or sexual molestation incident. F. With regard to the coverage provided by this endorsement SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Paragraph 2. Duties In the Event Of Occurrence Offense Claim Or Suit Subparagraph a. is deleted and replaced by the following You must see to it that we are notified as soon as practicable of a sexual abuse or sexual molestation incident or an offense which may result in a claim. Notice should include a. How when and where the sexual abuse or sexual molestation incident or offense took place b. The names and addresses of any injured persons and witnesses and c. The nature and location of any injury arising out of the sexual abuse or sexual molestation incident or offense. G. With regard to the coverage provided by this endorsement the following definitions apply 1. 2. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. Sexual misconduct or sexual molestation means actual or alleged verbal visual or physical misconduct or physical molestation arising out of a single continuous sporadic or repeated exposure of one or more persons to acts of a sexual nature committed by a. One person or b. Two or more persons acting together or in related acts or series of acts. However sexual misconduct or sexual molestation does not include acts against a volunteer worker or employee of an insured. Sexual misconduct or sexual molestation incident means an act or multiple continuous sporadic related or repeated acts of sexual misconduct or sexual molestation by one person or two or more persons acting together. All acts of sexual misconduct or sexual molestation by any one person or two or more persons acting together will be deemed as one incident. The sexual misconduct or sexual molestation incident will be deemed to occur when the first sexual misconduct or sexual molestation incident takes place regardless of a. The number of persons injured b. The time period over which the bodily injury took place c. The number of such acts or d. Whether each such person participated in each act. All sexual misconduct or sexual molestation incidents by one person or two or more persons acting together will be considered one sexual misconduct or sexual molestation incident. AGL04460711 Includes copyrighted material from Insurance Services Office Inc. with its permission. INSURED Page 4 of 4 | 2 |
POLICY NUMBER WFR GL10000165 02 POLICY NUMBER WFR GL10000165 02 THIS ENDORSEMENT CHANGES THE POLICY. COMMERCIAL GENERAL LIABILITY CG 04351207 PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits 1000000 each employee Programs 1000000 aggregate 1.000 249 Retroactive Date 12012018 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damag es because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable 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 to which this insurance does not apply. We may at our discretion investigate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to damages only if 1 The act error or omission is negligently committed in the administration of your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and A claim for damages because of an act error or omission is first made against any insured in accordance with Paragraph c. below during the policy pe riod or an Extended Reporting Period we provide under Paragraph F. of this en dorsement. c. A claim seeking damages will be deemed to have been made at the earlier of the fol lowing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or 3 CG 04351207 ISO Properties Inc. 2006 INSURED Page 1 of 6 | 2 |
2 When we make settlement in accordance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the pol icy period will be considered to have been received within the policy period if no sub sequent policy is available to cover the claim. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefi ciaries will be deemed to have been made at the time the first of those claims is made against any insured.. Exclusions This insurance does not apply to Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any insured including the willful or reckless violation of any statute.. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury.. Failure To Perform A Contract Damages arising out of failure of perfor mance of contract by any insurer.. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram.. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termination of employment discrimination or other em ployment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and B are replaced by Supple mentary Payments Coverages A B and Em ployee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal repre sentative is appointed. Page 2 of 6 ISO Properties Inc. 2006 INSURED CG 04351207 | 2 |
c. Your legal representative if you die but The L only with respect to duties as such. That apply representative will have all your rights and period duties under this Endorsement. 12 mo 3. Any organization you newly acquire or form pccy other than a partnership joint venture or limited policy liability company and over which you maintain unless ownership or majority interest will qualify as a ance f Named Insured if no other similar insurance ap month plies to that organization. However bydsi a. Coverage under this provision is afforded Fancle. only until the 90th day after you acquire or form the organization or the end of the policy 2. Deduc period whichever is earlier. a. Oul b. Coverage under this provision does not the apply to any act error or omission that was dar committed before you acquired or formed sta the organization. Eg D. For the purposes of the coverage provided by this endorsement Section Ill Limits Of Insurance is b. The replaced by the following glleE 1. Limits Of Insurance ee a. The Limits of Insurance shown in the of Schedule and the rules below fix the most ins we will pay regardless of the number of c. The 1 Insureds witl 2 Claims made or suits brought 1 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. apl de b. The Aggregate Limit is the most we will pay 4. W for all damages because of acts errors or We omissions negligently committed in the ad m ministration of your employee benefit pro su gram. tak suc c. Subject to the Aggregate Limit the Each ha Employee Limit is the most we will pay for all E. For th damages sustained by any one employee clrj e p including damages sustained by such em e n orsem ployee s dependents and beneficiaries as a ommerc result of placed by 1 An act error or omission or 2. 3 2 A series of related acts errors or omis Y sions a sgcl negligently committed in the administration siol of your employee benefit program. ten However the amount paid under this en dorsement shall not exceed and will be sub ject to the limits and restrictions that apply to the payment of benefits in any plan in cluded in the employee benefit program. CG 04351207 ISO Properties Inc. 2006 INSURED The Limits of Insurance of this endorsement 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 of the policy to which this endorsement is attached unless the policy period is extended after issu ance 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 Insur ance. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The limits of insurance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Sched ule applies to all damages sustained by any one employee including such employ ee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies. c. 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 and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are re placed by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the ex tent possible notice should include 1 What the act error or omission was and when it occurred and CG 04351207 Page 3 of 6 | 2 |
2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may al so apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 4. Other Insurance If other valid and collectible insurance is availa ble to the insured for a loss we cover under this endorsement our obligations are limited as fol lows a. Primary Insurance This insurance is primary except when Par agraph b. below applies. If this insurance is primary our obligations are not affected un less any of the other insurance is also pri mary. Then we will share with all that other insurance by the method described in Para graph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty 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. When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that ex ceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorse ment. c. Method Of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will con tribute by limits. Under this method each in surer s share is based on the ratio of its ap plicable limits of insurance to the total applicable limits of insurance of all insurers. 3 4 Page 4 of 6 ISO Properties Inc. 2006 INSURED CG 04351207 | 2 |
F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorse ment is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this en dorsement or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not ex tend the policy period or change the scope of coverage provided. It applies only to claims for acts errors or omissions that were first commit ted before the end of the policy period but not before the Retroactive Date if any shown in the Schedule. Once in effect the Extended Report ing Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this endorsement for future payment of damag es and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period ag gregate limit of insurance described below but only for claims first received and recorded dur ing the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement un der Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Lim it shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees includ ing their dependents and beneficiaries with respect to eligibility for or scope of employ ee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. CG 04351207 ISO Properties Inc. 2006 INSURED Page 5 of 6 | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafe teria plan or otherwise Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided 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 el igibility requirements. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an employ ee 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 disabil ity benefits. Vacation plans including buy and sell pro grams leave of absence programs includ ing 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. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively employed formerly employed on leave of absence or dis abled or retired. Employee includes a leased worker. Employee does not include a tempo rary worker. 18. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured 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. Page 6 of 6 ISO Properties Inc. 2006 INSURED CG 04351207 | 2 |
COMMERCIAL GENERAL LIABILITY CG20080413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED USERS OF GOLFMOBILES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section Il Who Is An Insured is amended to B. For the purposes of this endorsement golfmobile include as an additional insured any persons means a motorized conveyance that is using or legally responsible for the use of golfmobiles loaned or rented to others by you or 1 Euej gggrthazpigoogogfysgglsf.uar golf any of your concessionaires but only for their. o liability arising out of the use of the golfmobiles. 2. Not built or modified after manufacture to exceed a speed of 25 miles per hour on level ground. CG20080413 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 2106 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is means information facts or programs replaced by the following stored as or on created or used on or 2. Exclusions transmitted to or from computer software This insurance does not apply to p Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. 2 including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. CG 2106 05 14 Insurance Services Office Inc. 2013 INSURED Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 210906 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNMANNED AIRCRAFT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.g. Aircraft Auto Or Watercraft under This Paragraph g.2 applies even if the Section Coverage A Bodily Injury And claims against any insured allege Property Damage Liability is replaced by the negligence or other wrongdoing in the following supervision hiring employment training or monitoring of others by that insured if o the occurrence which caused the This insurance does not apply to bodily injury or property damage g. Aircraft Auto Or Watercraft involved the ownership maintenance. use or entrustment to others of any 1 Unmanned Alrcraft aircraft other than unmanned aircraft 2. Exclusions Bodily injury or property damage auto or watercraft that is owned or arising out of the ownership operated by or rented or loaned to any maintenance use or entrustment to insured. others of any aircraft that is an unmanned aircraft. Use includes This Paragraph g.2 does not apply to operation and loading or unloading. A watercraft while ashore on This Paragraph g.1 applies even if the premises you own or rent claims against any insured allege b A watercraft you do not own that is negligence or other wrongdoing in the i Less than 26 feet long and supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the ii Not being used to carry persons or property for a charge bodily injury or property damage c Parking an auto on or on the ways involved the ownership maintenance next to premises you own or rent use or entrustment to others of any provided the auto is not owned by aircraft that is an unmanned aircraft. or rented or loaned to you or the 2 Aircraft Other Than Unmanned insured Aircraft Auto Or Watercraft d Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft other than unmanned aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This Paragraph g.2 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 other than unmanned aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This Paragraph g.2 does not apply to a A watercraft while ashore on premises you own or rent b A watercraft you do not own that is i Less than 26 feet long and ii Not being used to carry persons or property for a charge c 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 d Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or CG 2109 06 15 Insurance Services Office Inc. 2014 INSURED Page 1 of 2 | 2 |
e Bodily injury or property damage arising out of i 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 ii The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipment. B. The following exclusion is added to Paragraph 2. Exclusions of Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Unmanned Aircraft Personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. 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 offense which caused the personal and advertising injury involved the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. This exclusion does not apply to a. The use of another s advertising idea in your advertisement or b. Infringing upon another s copyright trade dress or slogan in your advertisement. C. The following definition is added to the Definitions section Unmanned aircraft means an aircraft that is not 1. Designed 2. Manufactured or 3. Modified after manufacture to be controlled directly by a person from within or on the aircraft. Page 2 of 2 Insurance Services Office Inc. 2014 INSURED CG 2109 06 15 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21320509 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMUNICABLE DISEASE EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Communicable Disease Bodily injury or property damage arising out of the actual or alleged transmission of a communicable disease. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the a. Supervising hiring employing training or monitoring of others that may be infected with and spread a communicable disease b. Testing for a communicable disease c. Failure to prevent the spread of the disease or d. Failure to report the disease to authorities. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Communicable Disease Personal and advertising injury arising out of the actual or alleged transmission of a communicable disease. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the a. Supervising hiring employing training or monitoring of others that may be infected with and spread a communicable disease b. Testing for a communicable disease c. Failure to prevent the spread of the disease or d. Failure to report the disease to authorities. CG 21320509 Insurance Services Office Inc. 2008 INSURED Page 10f 1 m | 2 |
POLICY NUMBER WER GL10000165 02 POLICY NUMBER WER GL10000165 02 COMMERCIAL GENERAL LIABILITY CG 21351001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION COVERAGE C MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE IDescription And Location Of Premises Or Classification LL OPERATIONS AND ALL LOCATIONS. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to any premises or classification shown 2. The following is added to Section I Supple in the Schedule mentary Payments 1. Section Coverage C Medical Payments h. Expenses incurred by the insured for first does not apply and none of the references to it aid administered to others at the time of an in the Coverage Part apply and accident for bodily injury to which this in surance applies. L OPERATIONS AND ALL LOCATIONS. 2. The following is added to Section I Supple mentary Payments h. Expenses incurred by the insured for first aid administered to others at the time of an accident for bodily injury to which this in surance applies. CG 21351001 ISO Properties Inc. 2000 INSURED Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 21411219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION INTERCOMPANY PRODUCTS SUITS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This insurance does not apply to any claim made or suit brought for damages by any Named Insured against another Named Insured because of bodily injury or property damage arising out of your products and included within the products completed operations hazard. CG 21411219 Insurance Services Office Inc. 2018 INSURED Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily In jury And Property Damage Liability This insurance does not apply to Bodily injuryto 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CG 21471207 ISO Properties Inc. 2006 INSURED Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily In jury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring clean ing up removing containing treating de toxifying neutralizing remediating or dis posing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 ISO Properties Inc. 2003 INSURED Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG21730115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The following exclusion is added This insurance does not apply to TERRORISM Any injury or damage arising directly or indirectly out of a certified act of terrorism. B. The following definitions are added 1. For the purposes of this endorsement any injury or damage means any injury or damage covered under any Coverage Part to which this endorsement is applicable and includes but is not limited to bodily injury property damage personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part. 2. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following a. 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 b. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion.. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. b. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21730115 Insurance Services Office Inc. 2014 INSURED Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21 96 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA OR SILICA RELATED DUST EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily In jury And Property Damage Liability 2. Exclusions This insurance does not apply to Silica Or Silica Related Dust a. Bodily injury arising in whole or in part out of the actual alleged threatened or suspected inhalation of or ingestion of sil ica or silica related dust. b. Property damage arising in whole or in part out of the actual alleged threatened or suspected contact with exposure to ex istence of or presence of silica or silica related dust. c. Any loss cost or expense arising in whole or in part out of the abating testing for monitoring cleaning up removing contain ing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of silica or silica related dust by any in sured or by any other person or entity. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Silica Or Silica Related Dust a. Personal and advertising injury arising in whole or in part out of the actual alleged threatened or suspected inhalation of in gestion of contact with exposure to exis tence of or presence of silica or silica related dust. b. Any loss cost or expense arising in whole or in part out of the abating testing for monitoring cleaning up removing contain ing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of silica or silica related dust by any in sured or by any other person or entity. C. The following definitions are added to the Defini tions Section 1. Silica means silicon dioxide occurring in crystalline amorphous and impure forms sil ica particles silica dust or silica compounds. 2. Silica related dust means a mixture or combi nation of silica and other dust or particles. CG 21 96 03 05 ISO Properties Inc. 2004 INSURED Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PROPERTY ENTRUSTED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. SCHEDULE Operations Security and Patrol Agencies Warehouse cold individual storage lockers Warehouses miniwarehouses As respects the operations shown in the Schedule this insurance does not apply to property damage to prop erty of others 1. Entrusted to you for safekeeping or 2. On premises owned by or rented to you. CG22291185 Copyright Insurance Services Office Inc. 1984 INSURED Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG22390413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION CAMPS OR CAMPGROUNDS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to the operation of any camp or 2. The furnishing or dispensing of drugs or campground by you or on your behalf medical dental or surgical supplies or A. The following exclusion is added to Paragraph 2. appliances or Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability If the camp or campground owns or operates an infirmary with facilities for lodging and treatment this insurance does not apply to bodily injury property damage or personal and advertising injury caused by 1. The rendering of or failure to render a. Medical surgical dental X ray or nursing service treatment advice or instruction or the related furnishing of food or beverages b. Any health or therapeutic service treatment advice or instruction or c. Any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming 3. The handling or treatment of dead bodies. 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 that which is described in Paragraph 1. 2.or 3.. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage C Medical Payments 2. Exclusions We will not pay expenses for bodily injury to any camper. Insurance Services Office Inc. 2012 INSURED CG22390413 Page 10f 1 | 2 |
POLICY NUMBER WFR GL10000165 02 POLICY NUMBER WFR GL10000165 02 COMMERCIAL GENERAL LIABILITY CG22640413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PESTICIDE OR HERBICIDE APPLICATOR LIMITED POLLUTION COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description Of Operations GOLF COURSE 830 JAY PEAK ROAD JAY VT 05859 Information required to complete this Schedule if not shown above will be shown in the Declarations. With respect to the operations shown in the Schedule Paragraph 1d of Exclusion f. of Section I Coverage A Bodily Injury And Property Damage Liability does not apply if the operations meet all standards of any statute ordinance regulation or license requirement of any federal state or local government which apply to those operations. OLF COURSE 830 JAY PEAK ROAD JAY VT 05859 CG22640413 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG227004 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. REAL ESTATE PROPERTY MANAGED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to Exclusion j. Damage To B. The following is added to Paragraph 4.b.1 of Property of Paragraph 2. Exclusions of Section Other Insurance of Section IV Commercial Coverage A Bodily Injury And Property Damage General Liability Conditions Liability 4. Other Insurance 2. Exclusions b. Excess Insurance This insurance does not apply to With respect to your liability arising out of j Damage To Property Property damage to Property you operate or manage or as to which you act as agent for the collection of rents or in any other supervisory capacity. your management of property for which you are acting as real estate manager this insurance is excess over any other valid and collectible insurance available to you whether such insurance is primary or excess. CG227004 13 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
POLICY NUMBER WFR GL10000165 02 POLICY NUMBER WFR GL10000165 02 COMMERCIAL GENERAL LIABILITY CG229004 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROFESSIONAL LIABILITY EXCLUSION SPAS OR PERSONAL ENHANCEMENT FACILITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description Of Operations SPA Information required to complete this Schedule if not shown above will be shown in the Declarations. The following exclusion is added to Paragraph 2. 2. Any service treatment advice or instruction Exclusions of Section Coverage A Bodily Injury relating to physical fitness including service And Property Damage Liability and Paragraph 2. treatment advice or instruction in connection Exclusions of Section Coverage B Personal with diet cardiovascular fitness bodybuilding or And Advertising Injury Liability physical training programs. With respect to any operation shown in the This exclusion applies even if the claims against any Schedule this insurance does not apply to bodily insured allege negligence or other wrongdoing in the injury property damage or personal and supervision hiring employment training or advertising injury arising out of 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 that which is described in Paragraph 1. or 2. 1. The rendering of or failure to render any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming or therapy or CG 22900413 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG22910413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION TELECOMMUNICATION EQUIPMENT OR SERVICE PROVIDERS ERRORS AND OMISSIONS COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of a. An error omission defect or deficiency in any evaluation consultation or advice given by or on behalf of any insured concerning telecommunication equipment or services This endorsement modifies insurance provided under the following b. Any advice consultation evaluation inspection supervision quality control or phone network set up including central office cabling done by you or for you on a project on which you serve as a telecommunication equipment or service provider or c. The failure of any insured to adequately provide telecommunication 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 b. Any advice consultation evaluation inspection supervision quality control or phone network set up including central office cabling done by you or for you on a project on which you serve as a telecommunication equipment or service provider or c. The failure of any insured to adequately provide telecommunication 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 that which is described in Paragraph a. b. or c. CG22910413 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG23010413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION REAL ESTATE AGENTS OR BROKERS ERRORS OR OMISSIONS 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 Liabiity and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising I njury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of any misrepresentation error or omission by you or any real estate agent or broker who is either employed by you or performing work on your behalf in such capacity. 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 any misrepresentation error or omission by you or any real estate agent or broker who is either employed by you or performing work on your behalf in such capacity. CG23010413 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
POLICY NUMBER WFR GL10000165 02 IBER WEFR GL10000165 02 COMMERCIAL GENERAL LIABILITY CG 2407 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations SKI RESORT If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to bodily injury or property damage arising out of your products manufactured sold handled or distributed 1. On from or in connection with the use of any premises described in the Schedule or 2. In connection with the conduct of any operation described in the Schedule when conducted by you or on your behalf Paragraph a. of the definition of Products completed operations hazard in the DEFINITIONS Section is replaced by the following Products completed operations hazard a Includes all bodily injury and property damage that arises out of your products if the bodily injury or property damage occurs after you have relinquished possession of those products. CG 2407 01 96 Copyright Insurance Services Office Inc. 1994 INSURED Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 24081093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIQUOR LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion. Liquor Liability of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section 1 Coverages does not apply. CG 24081093 Copyright Insurance Services Office Inc. 1992 INSURED Page 10f 1 | 2 |
POLICY NUMBER WFR GL10000165 02 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BOATS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Watercraft PER SCHEDULE ON FILE WITH COMPANY Additional Premium Incl. Incl. Incl. Incl. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. 1. Exclusion g. of COVERAGE A Section 1 does not apply to any watercraft owned or used by or rented to the insured shown in the Schedule. 2. WHO IS AN INSURED Section Il is amended to include as an insured any person or organization legally responsible for the use of any such watercraft you own provided the actual use is with your permission. CG24121185 Copyright Insurance Services Office Inc. 1984 1992 INSURED Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG24220413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE TERRITORY WORLDWIDE COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to Section IV Conditions Expanded Coverage Territory 1. If a suit is brought in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from defending the insured the insured will initiate a defense of the suit. We will reimburse the insured under Supplementary Payments for any reasonable and necessary expenses incurred for the defense of a suit seeking damages to which this insurance applies that we would have paid had we been able to exercise our right and duty to defend. If the insured becomes legally obligated to pay sums because of damages to which this insurance applies in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from paying such sums on the insured s behalf we will reimburse the insured for such sums.. All payments or reimbursements we make for damages because of judgments or settlements will be made in U.S. currency at the prevailing exchange rate at the time the insured became legally obligated to pay such sums. Al payments or reimbursements we make for expenses under Supplementary Payments will be made in U.S. currency at the prevailing exchange rate at the time the expenses were incurred.. Any disputes between you and us as to whether there is coverage under this policy must be filed in the courts of the United States of America including its territories and possessions Puerto Rico or Canada. 4. The insured must fully maintain any coverage required by law regulaton or other governmental authority during the policy period except for reduction of the aggregate limits due to payments of claims judgments or settlements. Failure to maintain such coverage required by law regulation or other governmental authority will not invalidate this insurance. However this insurance will apply as if the required coverage by law regulation or other governmental authority was in full effect. B. The following is added to Paragraph 4.b.1 under the Conditions section 4. Other Insurance b. Excess Insurance This insurance is excess over c Any of the other insurance whether primary excess contingent or on any other basis i If the insured s liability to pay damages is determined in a suit brought outside the United States of America including its territories and possessions Puerto Rico or Canada or i That is coverage required by law regulation or other governmental authority in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada. C. The definiton of coverage territory in the Definitions section is replaced by the following Coverage territory means anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America. CG24220413 Insurance Services Office Inc. 2012 INSURED Page 10f 1 | 2 |
HDI GLOBAL INSURANCE COMPANY AN ILLINOIS CORPORATION 161 NORTH CLARK STREET 48 Floor CHICAGO IL 6060 312 580 1900 COMMERCIAL LINES POLICY FOR CTP ENVIRONMENT AMERICA INC. Policy GLD5520300 Policy Period October 152018 to January 01 2020 Underwriting Team PENELOPE BRUMM Underwriter Underwriting Assistant JIM CLARK Chief Underwriting Officer Loss Notification To report a claim 24 hours a day 7 days a week please contact us as soon as practicable for further assistance Telephone 1 866 484 2053 Fax 1 866 477 8502 Email newclaimsus.hdi.global POLICY JACKET DECLARATIONS PAGE FORMS AND ENDORSEMENTS COMPLETE THIS POLICY IL SU 4003 01 16 Page 1 of 2 | 2 |
In Witness Whereof we have caused this policy to be executed and attested and if required by state law this policy shall not be valid unless countersigned by our authorized representative. o President CEO Dr. Lothar Becker DIE A Corporate Secretary David Neumeister IL SU 4003 01 16 Page 2 of 2 | 2 |
HDI Global Insurance Company HDI Specialty Insurance Company Privacy Policy We value your business and your trust in HDI. The privacy and confidentiality of your personal information is among our top priorities. This explains our practices and procedures for securing your personal information before during and after your relationship with us. We will provide one copy of this Privacy Statement with each policy we issue. Additional copies of this statement are available upon request. Thank you for choosing HDI for your insurance needs. How We Protect Your Information We understand the importance of securing your personal information. We have physical electronic and procedural safeguards in place to protect your nonpublic personal data in compliance with applicable state federal laws. We restrict employee access to customer information only to those who have a business reason to know in order to provide our products and services to you. What Personal Information We Collect About You We collect nonpublic personal information about you from the following sources only as our business needs require e Information received on applications and other forms whether in writing in person by phone electronically or by other means such as names addresses and employment information. e Information about your transactions with us our affiliates or others associated with our business relationship and information we receive from insurance agents consumer reporting agencies investigators connected with claims adjusting state motor vehicle departments inspection services insurance support organizations or other sources as permitted or required by law. e Information we receive in medical records or from medical professionals. e Information otherwise obtained in the claims adjustment process including litigation. What Personal Information We Disclose About You We do not disclose any of our customers or other persons nonpublic personal information to anyone except as permitted or required by law. Permitted disclosures include information to process transactions on your behalf and information about you or about participants beneficiaries or claimants under your insurance policy in the normal course of business. PP 3000 05 17 | 2 |
Policy Number GLD5520300 COMMON POLICY DECLARATIONS HDI Global Insurance Company 161 North Clark Street 48th Floor Chicago IL 60601 Item 1. Named Insured and Mailing Address Agent Name and Address CTP ENVIRONMENT AMERICA INC. LOCKTON COMPANIES LLC 3663 NORTH SAM HOUSTON PARKWAY 3 CITYPLACE DRIVE SUITE 600 SUITE 900 HOUSTON TX 77032 ST. LOUIS MO 63141 AgentNo. P02079001 Item2. Policy Period From 10 15 2018 To 01 01 2020 at 1201 A.M. Standard Time at your mailing address shown above. Item3. Business Description Form of Business CORPORATION Item4. In return for the payment of the premium and subject to all the terms of this policy we agree with you to provide the insurance as stated in this policy. This policy consists of the following coverage parts for which a premium is indicated. Where no premium is shown there is no coverage. This premium may be subject to adjustment. Coverage Parts Premium Commercial Property Coverage Part NOT COVERED Commercial General Liability Coverage Part 6415.00 Commercial Crime Coverage Part NOT COVERED Commercial Inland Marine Coverage Part NOT COVERED Commercial Auto Business or Truckers Coverage Part NOT COVERED Commercial Garage Auto Dealers Coverage Part NOT COVERED Total Policy Premium 6415.00 Item5. Forms and Endorsements Forms and Endorsements made a part of this policy at time of issue See Schedule of Forms and Endorsements Countersigned M Date uthunzed 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 0197 COMMON POLICY DECLARATIONS HDI Global Insurance Comp 161 North Clark Street 48th Floor Chicago IL GLD5520300 01 Jo LUN FARKWAT | 2 |
SCHEDULE OF LOCATIONS HDI Global Insurance Company Named Insured CTP ENVIRONMENT AMERICA INC. AgentName LOCKTON COMPANIES LLC LOC SCHED 0197 N. SAM TX 77032 Designated Locations Address City State Policy Number GLD5520300 Effective Date 10 15 18 1201 A.M. Standard Time AgentNo. P02079001 Occupancy GLD5520300 SCHEDULE OF LOCATIONS HDI Global Insurance Company amed Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 18 1201 A.M. Standard Time | 2 |
1130 12 TX 08 09 HDI GLOBAL INSURANCE COMPANY TEXAS DISCLOSURE FORM THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. We the insurance company acknowledge the terms conditions and coverages provided in this policy have been negotiated in good faith with you the insured. You have agreed to accept the terms conditions and coverages. Please note that no coverage is provided for the exposures as checked below Asbestos Aircraft Products Contraceptive Products Diacetyl Diethylstilbestrol DES Electromagnetic Fields Formaldehyde Lead Pollution Polychlorinated Biphenols PCB Silica Subsidence Please refer to the specific part of the policy or endorsement for further coverage detail. THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. Page 1 of 1 1130 12 TX 08 09 | 2 |
1130 13 TX 08 09 HDI GLOBAL INSURANCE COMPANY IMPORTANT INFORMATION FOR TEXAS POLICYHOLDERS TO OBTAIN INFORMATION OR MAKE A COMPLAINT YOU MAY CALL OUR TOLL FREE TELEPHONE NUMBER 1 800 607 3488 ALSO YOU MAY CONTACT THE TEXAS DEPARTMENT OF INSURANCE TO OBTAIN INFORMATION ON COMPANIES COVERAGES RIGHTS OR COMPLAINTS AT 1 800 252 3439 YOU MAY WRITE THE TEXAS DEPARTMENT OF INSURANCE P. 0. BOX 149104 AUSTIN TX 78714 9104 FAX 512 475 1771 PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact your agent or the company first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. Page 1 of 1 1130 13 TX 08 09 | 2 |
113014 TX 06 15 HDI GLOBAL INSURANCE COMPANY 161 N. CLARK STREET 48 FLOOR CHICAGO IL 60601 TEXAS NOTICE IMPORTANT NOTICE To obtain information or make a complaint You may call HDI Gerling America Insurance Company s toll free telephone number for information or to make a complaint at 1 800 607 3488 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at 1 800 252 3439 You may write the Texas Department of Insurance P.O. Box 149104 Austin TX 78714 9104 Fax 512 490 1007 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact the agent first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part of the attached document. AVISO IMPORTANTE Para obtener informacion o para someter una queja Usted puede llamar al numero de telefono gratis de Gerling America Insurance Company s para informacion o para someter una queja al 1 800 607 3488 Puede comunicarse con el Departamento de Seguros de Texas para obtener informacion acerca de companias coberturas derechos o quejas al 1 800 252 3439 Puede escribir al Departamento de Seguros de Texas P.O. Box 149104 Austin TX 78714 9104 Fax 512 490 1007 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov DISPUTAS SOBRE PRIMAS O RECLAMOS Si tiene una disputa concerniente a su prima o a un reclamo debe comunicarse con el agente primero. Si no se resuelve la disputa puede entonces comunicarse con el departamento TDI. UNA ESTE A VISO A SU POLIZA Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documentp adjunto. Page 1 of 1 113014 TX 06 15 | 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 a refund. 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 1 of 1 o IL 00 17 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The insurance does not apply A. Under any Liability Coverage to bodily injury C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in 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 properties of nuclear material if 1 The nuclear material a is at any nuclear 2 3 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 han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any 2. As used in this endorsement agency thereof with any person or organi zgtion.y VP 9 Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat.. 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. IL 00 21 09 08 ISO Properties Inc. 2007 Page 1 of 2 m | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 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 forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL 016803 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES DUTIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added to the Duties Condition 2. Any settlement of a clam made or suit We will notify the first Named Insured in writing of bruught against the msured fmsureq under this coverage. The notice will be given not later than the 30th day after the date of the settlement. 1. An initial offer to settle a claim made or suit brought against any insured insured under this coverage. The notice will be given not later than the 10th day after the date on which the offer is made. Insurance Services Office Inc. 2011 IL 016803 12 Page 1 of 1 | 2 |
IL02751113 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES CANCELLATION AND NONRENEWAL PROVISIONS FOR CASUALTY LINES AND COMMERCIAL PACKAGE POLICIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY FARM COVERAGE PART FARM LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This endorsement also modifies insurance provided under the following when written as part of a Commercial Package Policy CAPITAL ASSETS PROGRAM OUTPUT POLICY 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 EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. We may cancel this policy However if this policy covers a condominium association and the condominium property contains at least one residence or the condominium declarations conform with the a. By mailing or delivering to the first Named Insured written notice of cancellation stating the reason for cancellation at least 10 days before the effective date of cancellation. Texas Uniform Condominium Act then the notice of cancellation as described above will be provided to the first Named Insured 30 days before the effective date of cancellation. We will also provide 30 days written notice to each unit owner to whom we issued a certificate or memorandum of insurance by mailing or delivering the notice to each last mailing address known to us. IL02751113 Insurance Services Office Inc. 2013 Page 1 of 2 | 2 |
b. For the following reasons if this policy does 1 2 not provide coverage to a governmental unit as defined under 28 TEX. ADMIN. CODE Section 5.7001 or on one and two family dwellings If this policy has been in effect for 60 days or less we may cancel for any reason except that under the provisions of the Texas Insurance Code we may not cancel this policy solely because the policyholder is an elected official. If this policy has been in effect for more than 60 days or if it is a renewal or continuation of a policy issued by us we may cancel only for one or more of the following reasons a Fraud in obtaining coverage b Failure to pay premiums when due c An increase in hazard within the control of the insured which would produce an increase in rate d Loss of our reinsurance covering all or part of the risk covered by the policy or e If we have been placed in supervision conservatorship or receivership and the cancellation is approved or directed by the supervisor conservator or receiver.. For the following reasons if this policy provides coverage to a governmental unit as defined under 28 TEX. ADMIN. CODE Section 5.7001 or on one and two family dwellings 1 If this policy has been in effect for less than 90 days we may cancel coverage for any reason. 2 If this policy has been in effect for 90 days or more or if it is a renewal or continuation of a policy issued by us we may cancel coverage only for the following reasons a If the first Named Insured does not pay the premium or any portion of the premium when due b If the Texas Department of Insurance determines that continuation of this policy would result in violation of the Texas Insurance Code or any other law governing the business of insurance in Texas c If the Named Insured submits a fraudulent claim or d If there is an increase in the hazard within the control of the Named Insured which would produce an increase in rate. B. The following condition is added and supersedes any provision to the contrary Nonrenewal 1. We may elect not to renew this policy except that under the provisions of the Texas Insurance Code we may not refuse to renew this policy solely because the policyholder is an elected official. 2. This paragraph 2. applies unless the policy qualifies under Paragraph 3. below. If we elect not to renew this policy we may do so by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal stating the reason for nonrenewal at least 60 days before the expiration date. If notice is mailed or delivered less than 60 days before the expiration date this policy will remain in effect until the 61st day after the date on which the notice is mailed or delivered. Earned premium for any period of coverage that extends beyond the expiration date will be computed pro rata based on the previous year s premium. 3. If this policy covers a condominium association and the condominium property contains at least one residence or the condominium declarations conform with the Texas Uniform Condominium Act then we will mail or deliver written notice of nonrenewal at least 30 days before the expiration or anniversary date of the policy to a. The first Named Insured and b. Each unit owner to whom we issued a certificate or memorandum of insurance. We will mail or deliver such notice to each last mailing address known to us. 4. If notice is mailed proof of mailing will be sufficient proof of notice. 5. The transfer of a policyholder between admitted companies within the same insurance group is not considered a refusal to renew. Page 2 of 2 Insurance Services Office Inc. 2013 IL02751113 | 2 |
POLICY NUMBER GLD5520300 POLICY NUMBER GLD5520300 IL 09 8501 15 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE PART Terrorism Premium Certified Acts 121 This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies COMMERCIAL GENERAL LIABILITY Additional information if any concerning the terrorism premium SCHEDULE PART Il Federal share of terrorism losses 82 Year20 18 Refer to Paragraph B. in this endorsement. Federal share of terrorism losses 81 Year20 19 Refer to Paragraph B. in this endorsement. Information required to complete this Schedule if not shown above will be shown in the Declarations. OMMERCIAL GENERAL LIABILITY dditional information if any concerning the terrorism premium Year20 18 Year20 19 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. IL 09 8501 15 Insurance Services Office Inc. 2015 Page 1 of 2 | 2 |
B. Disclosure Of Federal Parti Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage as shown in Part Il of the Schedule of this endorsement or in the policy Declarations of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. pation In Payment C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Page 2 of 2 Insurance Services Office Inc. 2015 IL09 850115 | 2 |
IL AM 4001 10 11 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ECONOMIC OR TRADE SANCTIONS In accordance with the laws regulations or resolutions of the United Nations the European Union any of its member states or the United States concerning economic and trade embargoes this policy is void from its inception with respect to any term or condition of this policy that violates any such laws regulations or resolution. All other terms and conditions of this policy remain unchanged. Page 1 of 1 IL AM 4001 10 11 | 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 Page 1 of 1 | 2 |
IL SU 4004 10 10 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION AMENDMENT SCHEDULE Name Address and E Mail Address of Other Persons Organizations ANY CERTIFICATE HOLDER Number of Days Notice 30 If no entry appears above the information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. 1. If we cancel this policy by notice to you for any statutorily permitted reason other than nonpayment of premium we shall endeavor to mail e mail or deliver a copy of such written notice of cancellation to the persons or organizations shown in the Schedule above. IL. A copy of the notice per paragraph I. above will be mailed e mailed or delivered 1. To the appropriate addresses corresponding to the persons or organizations shown in the Schedule above and 2. The number of days required for notice of cancellation as provided in paragraph A.2. of the Common Policy Conditions or as amended by an applicable state cancellation endorsement or by the date as shown in the Schedule above. IIL Our failure to provide such advance notification to the persons or organizations shown in the Schedule of this endorsement will not extend any policy cancellation date nor negate any cancellation of the policy. All other terms and conditions of this policy remain unchanged. Page 1 of 1 IL SU 4004 10 10 | 2 |
Policy Number GLD5520300 SCHEDULE OF FORMS AND ENDORSEMENTS HDI Global Insurance Company Named Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 18 1201 AM. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 02079001 COMMON POLICY FORMS AND ENDORSEMENTS IL SU 4003 POLICY JACKET PP 3000 PRIVACY NOTICE CO DEC COMMON POLICY DECLARATIONS LOC SCHED SCHEDULE OF LOCATIONS TEXAS DISCLOSURE FORM IMPORTANT INFORMATION TEXAS NOTICE COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDT TEXAS CHANGES DUTIES TEXAS CHANGES CANC NONRENL DISCLOSURE PURSUANT TERROR RISK INS ACT ECONOMIC OR TRADE SANCTIONS US TREASURY DEPT S OFAC ADVISORY NOTICE SU 4004 NOTICE OF CANCELLATION AMENDMENT FORM SCHED SCHEDULE OF FORMS AND ENDORSEMENTS INSTALL FORM INSTALLMENT SCHEDULE GENERAL LIABILITY FORMS AND ENDORSEMENTS II 3016 TX 08 11 POLICYHOLDER NOTICE GL DEC 12 01 COMM GENERAL LIABILITY COVERAGE SUPP DEC GL SCHED 01 97 COMM GENERAL LIABILITY COVERAGE SCHEDULE 04 13 COMMERCIAL GENERAL LIABILITY COV FORM 06 06 TEXAS CHANGES 12 07 CONFORMITY WITH STATUTE 12 07 DED LIAB INS INCLD DEFENSE COSTS 12 07 HIRED AUTO AND NON OWNED AUTO LIABILITY 12 07 KNOW OFF OCCR CLAIM SUIT AMNDUNINT FAIL 12 07 ABSOLUTE ASBESTOS EXCLUSION 12 07 ABSOLUTE LEAD EXCLUSION 12 07 AIR PROD AIR GROUND HAZARDS EX 12 07 EMPLOYEE BENEFITS LIABILITY COVERAGE 04 13 PRIMARY AND NONCONTRIBUTORY OTHER INSD 04 13 ADDL INSD MANAGERS LESSORS OF PREMISES 05 14 EXCL ACC DISCL OF CONFI OR PERSONAL INFO 04 13 EXCL DESIGNATED PROFESSIONAL SERVICES 03 05 EXCL NEW ENTITIES 11 85 EXCL INTERCOMPANY PRODUCTS SUITS 12 04 FUNGI OR BACTERIA EXCLUSION 01 15 EXCL OTHR ACTS OF TERROR O S US 03 05 SILICA OR SILICA RELATED DUST EXCLUSION 04 13 EXCL ENGINEERS ARCH OR SURV PROF LIAB 05 09 WAIVER OF TRANSFER RIGHTS OF RECOVERY 07 98 EXCESS PROVISION VENDORS 04 13 AMENDMENT OF INSURED CONTRACT DEFINITION NEOBLIOBWHOROWR AOBEWRR IO PNIO0000 FORM SCHED 0197 SCHEDULE OF FORMS AND ENDORSEMENTS HDI Global Insurance Company GLD5520300 OF FORMS AND ENDORSEMENTS nsurance Company CA INC. Effective Date 10 15 18 1201 A.M. Standard Time OMMUN FOLLILY FPOURMS AND BNDURoOEMENLOS L SU 4003 01 16 P 3000 05 17 O0 DEC 01 97 OCSCHED 01 97 I 3012 TX 08 09 I 3013 TX 08 09 I 3014 TX 06 15 L 00 17 11 98 L 00 21 09 08 L 01 68 03 12 L 02 75 11 13 L 09 85 01 15 L AM 4001 10 11 L P 001 01 04 L SU 4004 10 10 ORM SCHED 01 97 NSTALL FORM 01 02 ENERAL LIABILITY FORMS AND I 3016 TX 08 11 L DEC 12 01 L SCHED 01 97 G 00 01 04 13 G 01 03 06 06 G AM 1003 12 07 G AM 1006 12 07 G AM 1013 12 07 G AM 1017 12 07 G EX 1000 12 07 G EX 1001 12 07 G EX 1003 12 07 G 04 35 12 07 G 20 01 04 13 G 20 11 04 13 G 21 06 05 14 G 21 16 04 13 G 21 36 03 05 G 21 41 11 85 G 21 67 12 04 G 21 71 01 15 G 21 96 03 05 G 22 43 04 13 G 24 04 05 09 G 24 10 07 98 G 24 26 04 13 POLICY JACKET PRIVACY NOTICE COMMON POLICY DECLARATIONS SCHEDULE OF LOCATIONS TEXAS DISCLOSURE FORM IMPORTANT INFORMATION TEXAS NOTICE COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDT TEXAS CHANGES DUTIES TEXAS CHANGES CANC NONRENL DISCLOSURE PURSUANT TERROR RISK INS ACT ECONOMIC OR TRADE SANCTIONS US TREASURY DEPT S OFAC ADVISORY NOTICE NOTICE OF CANCELLATION AMENDMENT SCHEDULE OF FORMS AND ENDORSEMENTS INSTALLMENT SCHEDULE ENDORSEMENTS POLICYHOLDER NOTICE COMM GENERAL LIABILITY COVERAGE SUPP DEC COMM GENERAL LIABILITY COVERAGE SCHEDULE COMMERCIAL GENERAL LIABILITY COV FORM TEXAS CHANGES CONFORMITY WITH STATUTE DED LIAB INS INCLD DEFENSE COSTS HIRED AUTO AND NON OWNED AUTO LIABILITY KNOW OFF OCCR CLAIM SUIT AMNDUNINT FAIL ABSOLUTE ASBESTOS EXCLUSION ABSOLUTE LEAD EXCLUSION ATIR PROD AIR GROUND HAZARDS EX EMPLOYEE BENEFITS LIABILITY COVERAGE PRIMARY AND NONCONTRIBUTORY OTHER INSD ADDL INSD MANAGERS LESSORS OF PREMISES EXCL ACC DISCL OF CONFI OR PERSONAL INFO EXCL DESIGNATED PROFESSIONAL SERVICES EXCL NEW ENTITIES EXCL INTERCOMPANY PRODUCTS SUITS FUNGI OR BACTERIA EXCLUSION EXCL OTHR ACTS OF TERROR 0 S US SILICA OR SILICA RELATED DUST EXCLUSION EXCL ENGINEERS ARCH OR SURV PROF LIAB WAIVER OF TRANSFER RIGHTS OF RECOVERY EXCESS PROVISION VENDORS AMENDMENT OF INSURED CONTRACT DEFINITION MR YRM | 2 |
Policy Number GLD5520300 INSTALLMENT SCHEDULE HDI Global Insurance Company Named Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 18 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. P02079001 IT IS HEREBY AGREED AND UNDERSTOOD THAT THIS POLICY IS PAYABLE ON INSTALLMENTS AS FOLLOWS REVISED DUE PREMIUM SURCHARGE INSTALLMENT TOTAL DEPOSIT 10152018 6415.00 6415.00 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 GLD5520300 INSTALLMENT SCHEDULE HDI Global Insurance Company amed Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 18 1201 A.M. Standard Time PAYABLE ON INSTALLMENTS AS FOLLOWS REVISED DUE PREMIUM SURCHARGE INSTALLMENT TOTAL EPOSIT 10152018 6415.00 6415.00 PREMIUM 6415.00 SURCHARGE | 2 |
113016 TX 08 11 HDI GLOBAL INSURANCE COMPANY POLICYHOLDER NOTICE TO OUR TEXAS POLICYHOLDERS LOSS CONTROL SERVICES As your general liability insurance carrier we are concerned with making the right moves to ensure the best chances of corporate success. That requires positioning resources people equipment and materials in an environment that will maximize their potential. HDI GLOBAL INSURANCE COMPANY supports you with the following services Inspections of your premises to identify actual or potential areas of loss Recommendations based on those inspections Evaluation of your loss prevention programs Training of supervisory personnel Evaluation of previous accidents Loss prevention materials such as safety brochures bulletins training aids and posters. ompwN At HDI GLOBAL INSURANCE COMPANY our loss control approach is to concentrate on your needs identify problem areas assist in the development of controls and monitor for effectiveness. Your continuing effort is essential to accident prevention and compliance with safety legislation. Our assistance may be used as an adjunct to your loss control efforts but we can not assume responsibility for loss control in your business. The above services are available to our policyholders at no additional charge but only with regard to coverages offered under your policy and will be provided upon request directly to the policyholder. We have professional resources available to assist you or can provide support material for your continuing accident prevention efforts. If you would like more information on our safety and management programs please call or write Mr. James Clark HDI GLOBAL INSURANCE COMPANY 161 Clark Street 48 Floor Chicago IL 60601 Telephone 312 456 6780 E Mail jim.clarkhdigerling.com Page 1 0of 1 113016 TX 08 11 | 2 |
Policy Number GLD5520300 COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL DECLARATIONS HDI Global Insurance Company Named Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 2018 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. P02079001 Item 1. Business Description Coverage Limit of Liability Aggregate Limits of Liability Products Completed 1000000 Operations Aggregate General Aggregate other than 1000000 Products Completed Operations Coverage A Bodily Injury and any one occurrence subject to Property Damage Liability the Products Completed Operations and General 1000000 Aggregate Limits of Liability any one premises subject to the Damage To Premises Coverage A occurrence and the Rented To You General Aggregate Limits of 100000 Liability Coverage B Personal and any one person or organization Advertising Injury subject to the General Aggregate Liability 1000000 Limits of Liability Coverage C Medical Payments any one person subject to the Coverage A occurrence and the General Aggregate Limits of Liability Item 3. Retroactive Date This Insurance does not apply to bodily injury property damage or personal and advertising injury which occurs before the Retroactive Date if any shown here Enter Date or None if no Retroactive Date applies Forms of Business CORPORATION Location of All Premises You Own Rent or Occupy See Schedule of Locations 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 6415.00 Other Premium Total Premium 6415.00 COMMERCIAL GENERAL LIABILITY COVER SUPPLEMENTAL DECLARATIONS HDI Global Insurance Comp 5520300 RT INC. 1000000 1000000 Damage To Premises Rented To You 1000000 e THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD. GL DEC 1201 | 2 |
Policy Number GLD5520300 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE HDI Global Insurance Company Named Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 18 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC Agent No. P02079001 ode No. 92400 Location Exposure 1 Rate Premium Premises Operations lassification INON OWNED AUTO 15.00 Products Completed Operations Rate Premium Code No. Premium Basis 92400 Location ALL Exposure 25 Rate Premium lassification IRED AUTO 1214.00 Premises Operations Products Completed Operations Rate Premium Code No. Premium Basis 92100 Location ALL Exposure 40 Rate Premium lassification mployee Benefits S 121.00 Premises Operations Products Completed Operations Rate Premium Premises Operations Location 001001 Exposure 100000 Rate Premium lassification 40.909 s 4966.00 HIMNEY CLEANING PRODUCTS COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL i AGGREGATE LIMIT Products Completed Operations Rate Premium INCL GL SCHED 0197 GLD5520300 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE HDI Global Insurance Company L LING. cheCuve vale. LVTlo71l0 1201 A.M. Standard Time IN OWNED AUTO RED AUTO ployee Benerllts IIMNEY CLEANING PRODUCTS COMPLETED ERATIONS ARE SUBJECT TO THE GENERAL GREGATE LIMIT | 2 |
Policy Number GLD5520300 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE HDI Global Insurance Company Named Insured CTP ENVIRONMENT AMERICA INC. Effective Date 10 15 18 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC Agent No. P02079001 Premises Operations Exposure 100 000 Rate Premium L0201 99.00 Products Completed Operations Rate Premium Code No. Premium Basis Premises Operations Location Exposure Rate Premium lassification Products Completed Operations Rate Premium Code No. Premium Basis Premises Operations Location Exposure Rate Premium lassification Products Completed Operations Rate Premium Premises Operations Location Exposure Rate Premium lassification Products Completed Operations Rate Premium GL SCHED 0197 GLD5520300 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE HDI Global Insurance Company L LING. cheCuve vale. LVTlo71l0 1201 A.M. Standard Time RRORISM | 2 |
COMMERCIAL GENERAL LIABILITY CG00010413 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 Wl Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 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 lization 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 ning. 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 2 2 CG 00010413 Insurance Services Office Inc. 2012 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 injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
. 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 b c iil which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire 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 i Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behaf 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 clam 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.. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 3 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 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 behaf 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.. Personal And Advel 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. ing 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 ir work arising out of it luded in the products ard. apply if the damaged CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
4 Any federal state or local statute 2. Exclusions This insurance does not apply to 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 Wl Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 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. AL 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 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 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS d. 1. Insuring Agreement a. We will pay medical expenses as described Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are below for bodily injury caused by an accident 1 On premises you own or rent payable or must be provided under a workers compensation or disability benefits law or a similar law. 2 On ways next to premises you own or rent e. Athletics Activities or. To a person injured while practicing instructing 3 Because of your operations or participating in any physical exercises or provided that games sports or athletic contests. a The accident takes place in the coverage f. Products Completed Operations Hazard territory and during the policy period Included within the products completed b The expenses are incurred and reported operations hazard. to us within one year of the date of the g. Coverage A Exclusions accident and T iniured bmits Excluded under Coverage A. c The injur person submi 0 examination at our expense by SUPPLEMENTARY PAYMENTS COVERAGES A AND physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend These payments will not exceed the applicable a. All expenses we incur. limit of ns.urance. We will pay reasonable b. Up to 250 for cost of bail bonds required expenses for because of accidents or traffic law violations 1 First aid administered at the time of an arising out of the use of any vehicle to which the accident Bodily Injury Liability Coverage applies. We do 2 Necessary medical surgical X ray and dental not have to furnish these bonds. services including prosthetic devices and c. The cost of bonds to release attachments but 3 Necessary ambulance hospital professional only for bond amounts within the applicable limit nursing and funeral services of insurance. We do not have to furnish these bonds. 2 Excluslons e d. All reasonable expenses incurred by the insured We will not pay expenses for bodily injury at our request to assist us in the investigation or a. Any Insured defense of the claim or suit including actual To any insured except volunteer workers. loss of earnings up to 250 a day because of y time off from work. Hired Person e. All court costs taxed against the insured in the To a person hired to do work for or on behalf of suit. However these payments do not include any insured or a tenant of any insured. attorneys fees or attorneys expenses taxed. Injury On Normally Occupied Premises against the insured. To a person injured on that part of premises you t. Prejudgment interest awarded against the own or rent that the person normally insured on that part of the judgment we pay. If occupies. 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 rannrtad Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured 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 conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section 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. iit 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 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 aNamed Insured in the Declarations. SECTION Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a clam. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information 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 settletment 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 clamant or the claimant s legal representative. vioTLUiTIpIEioV 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 y you with e last preceding period for purposes Limits of Insurance. DMMERCIAL GENERAL LIABILITY CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows 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 That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitlied to the insured s rights against all those other insurers. i iil c. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit b. We will compute all premiums for this Coverage Part in accordance with our rules and rates. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured.. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree The statements in the Declarations accurate and complete are Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based 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. upon 3. 6. 8.. Hostile 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 All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to. 14 2 3. 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. fire means one which becomes uncontrollable or breaks out from where it was intended to be. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. Itincorporates 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. iy ceviylivid it wiie lamed Insured this vere the only Named gainst whom claim is Against Others To ver 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 how in CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing 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 auto to the place where it s 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 Vehicles that travel on crawler treads d. Vehicles whether self propelled or maintained primarily to provide mobility 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. 14 not to agreement except in ruction or demolition feet of arailroad ired by ordinance to except in connection ty AN reormants Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
1 1 1 3. 4. o However self propelled vehicles with the 16.Products completed operations hazard following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. 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.. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or. 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 chassis and used to and mps and generators welding building exploration lighting oment. 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 nprisonment 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 mee a pereon s or CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD 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 to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or warnings or instructions. failure to provide Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
COMMERCIAL GENERAL LIABILITY CG 01 03 06 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. With regard to liability for Bodily Injury Property Damage and Personal And Advertising Injury unless we are prejudiced by the insured s or your failure to comply with the requirement no provi sion of this Coverage Part requiring you or any insured to give notice of occurrence clam or suit or forward demands notices summonses or legal papers in connection with a claim or suit will bar coverage under this Coverage Part. CG 01 03 06 06 ISO Properties Inc. 2005 Page 1 of 1 m | 2 |
CG AM 1003 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONFORMITY WITH STATUTE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM RAILROAD PROTECTIVE LIABILITY COVERAGE FORM Any terms of this policy that are in conflict with the statutes of the state wherein this policy is issued are hereby amended to conform to such statutes if those statutes were in effect prior to the effective date of this policy. All other terms and conditions remain the same. THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. Page 1 of 1 CG AM 1003 12 07 | 2 |
CG AM 1006 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE INCLUDING DEFENSE COSTS LIMITS OF INSURANCE REDUCED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Basis of Deductible Deductible 25000 X Per Occurrence Per Claim Aggregate Deductible If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury property damage and personal and advertising injury however caused BODILY INJURY LIABILITY PROPERTY DAMAGE LIABILITY PERSONAL INJURY AND ADVERTISING INJURY COMBINED 25000 EACH OCCURRENCE OR OFFENSE 1. Our obligation under this Coverage Part to pay bodily injury a separate deductible amount damages on behalf of the insured applies only to will be applied to each person making a the amount of damages and defense costs in claim for such damages. excess of the Deductible shown in the Schedule as With respect to property damage person follows includes an organization. a. PER CLAIM BASIS. If the deductible indicated 2 Under Coverage B Personal and in the Schedule is on a per claim basis that Advertising Injury Liability of Section deductible applies as follows Coverages to all damages and defense 1 Under Coverage A Bodily Injury and costs because of personal and advertising Property Damage Liability of Section I injury sustained by any one person or Coverages to all damages and defense organization as the result of any one costs because of all bodily injury and occurrence. property damage sustained by any one b. PER OCCURRENCE BASIS. If the deductible person or organization as the result of any indicated in the Schedule is on a per one occurrence. occurrence basis that deductible applies as If damages are claimed for care loss of follows services or death resulting at any time from THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. Page 1 0f 2 CG AM 1006 12 07 Deductible Aggregate Deductible 25000 X Per Occurrence Per Claim Y PROPERTY DAMAGE LIABILITY PERSONAL INJURY AND OMBINED CURRENCE OR OFFENSE | 2 |
CG AM 1006 12 07 1 Under Coverage A Bodily Injury and Property Damage Liability of Section I Coverages to all damages and fense costs because of all bodily injury and property damage combined as the result of any one occurrence regardless of the number of persons or organizations who sustained damages because of that occurrence or 2 Under Coverage B Personal and Advertising Injury Liability of Section I Coverages to all damages and defense costs because of personal and advertising injury sustained by any one person or organization. The applicable limit of insurance shall be reduced by the application of the Deductible shown in the Schedule. The terms of this insurance including those with respect to a. Our right and duty to defend any suits seeking those damages and b. Your duties in the event of an occurrence offense claim or suit apply irrespective of the application of the deductible amount. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. The Aggregate Deductible stated in the Schedule is the most you must reimburse us for the sum of all Deductible amounts during each consecutive annual period of this Coverage Part and to any remaining period of less than 12 months. If the Aggregate Deductible is exhausted the Deductible amount will not apply to any subsequent occurrences offenses claims or suits. In the event we recover all or part of any payment we have made under this Coverage Part from others we will apply the recovered amount in the following order a. First to reimburse us up to the amount we have paid for damages and defense costs and b. Last to reimburse you up to the amount you have paid to us within the Deductible amount.. As used in this endorsement defense costs means a. All expenses we incur including all reasonable expenses incurred by the insured at our Page 2 of 2 request in 1 Investigating an occurrence offense or claim 2 Settling a claim or defending a suit and 3 Pursuing rights of recovery against others. b. All costs taxed against the insured in any suit. c. The 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. 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. e. Prejudgment interest awarded against the insured on that part of the judgment that is within the applicable limit of insurance but not including any prejudgment interest based on any period of time after we have made an offer to pay the applicable limit of insurance. f. 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. Defense costs do not include a. Your office expenses salaries and other expenses of your employees or general retainer fees of counsel retained by the insured or b. Our office expenses salaries and other expenses of our employees or fees of independent adjusters. All other terms and conditions remain unchanged. THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. CG AM 1006 12 07 b. request in 1 Investigating an occurrence offense or claim 2 Settling a claim or defending a suit and 3 Pursuing rights of recovery against others. All costs taxed against the insured in any suit. c. The 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. Prejudgment interest awarded against the insured on that part of the judgment that is within the applicable limit of insurance but not including any prejudgment interest based on any period of time after we have made an offer to pay the applicable limit of insurance. 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. Defense costs do not include Your office expenses salaries and other expenses of your employees or general retainer fees of counsel retained by the insured or Our office expenses salaries and other expenses of our employees or fees of independent adjusters. All other terms and conditions remain unchanged. | 2 |
CG AM 1013 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY HIRED AUTO AND NON OWNED AUTO LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Insurance is provided only to the coverages indicated by an x in the block opposite the coverages Coverages Non Ownership Liability Hired Auto Liability Additional Premium 1012 A. HIRED AUTO LIABILITY 2 To any obligation to share damages with or repay someone else who must pay The insurance provided under COVERAGE A Section damages because of injury. 1 applies to bodily injury or property damage arising out of the maintenance or use of a hired auto by you or your employees in the course of your business. 1 Liability assumed by the insured under an insured contract or This exclusion does not apply to With respect to the insurance provided by this endorse ment 2 Bodily injury arising out of and in the course of domestic employment by the insured unless benefits for such injury are in whole or in part either payable or required to be provided under any workers compensation law. 1. The exclusions in paragraph 2. Exclusions of Section Coverages Coverage A other than exclusions a b d f and I and the Nuclear Energy Liability Exclusion Broad Form are deleted and replaced by the following b. Property damage to a. Bodily injury 1 Property owned or being transported by or 1 To an employee of the insured arising out rented or loaned to the insured or of and in the course of employment by the 2 Property in the care custody or control of the insured or insured. 2 To the spouse child parent brother or 2. Section Il WHO IS AN INSURED is replaced by the sister of that employee as a consequence following of 1 above. Each of the following is an insured under this insurance This exclusion applies to the extent set forth below 1 Whether the insured may be liable as an a. You employer or in any other capaclty and b. Any other person using a hired auto with your permission THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. HIT LUVETEYU9 TIVIWAEITGV VY all A TT HIE VIVLR Vppvelle Ui WWyeldyges lity nder COVERAGE A Section or property damage arising r use of a hired auto by you course of your business. nce provided by this endorse aragraph 2. Exclusions of es Coverage A other than and and the Nuclear Energy road Form are deleted and ng yee of the insured arising out course of employment by the Page 1 of 2 CG AM 1013 12 07 | 2 |
c. With respect to a non owned auto any partner or executive officer of yours but only while such non owned auto is being used in your business d. Any other person or organization but only with respect to their liability because of acts or omissions of an insured under a. b. or c. above. of the following is an insured a. Any person engaged in the business of his or her employer with respect to bodily injury to any co employee of such person injured in the course of employment b. Any partner or executive officer with respect to any auto owned by such partner or officer or a member of his or her household c. Any person while employed in or otherwise engaged in duties in connection with an auto business other than an auto business you operate d. The owner or lessee of whom you are a sub lessee of a hired auto or the owner of a non owned auto or any agent or employee of any such owner or lessee e. Any person or organization with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. NON OWNED AUTO LIABILITY The insurance provided under Section COVERAGE A applies to bodily injury or property damage arising out of the use of any non owned auto in your business by any person other than you. CLAIMS MADE COVERAGE PART If this endorsement is attached to a claims made coverage form this insurance applies to bodily injury or property damage which occurs during the policy period.. AGGREGATE LIMIT NOT APPLICABLE TO HIRED AND NON OWNED AUTO Section lll Limits of Insurance item 2 is changed to read as follows 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C and b. Damages under Coverage A and Coverage B except damages because of injury and damage included in the products Page 2 of 2 CG AM 1013 12 07 completed operations hazard or the hired auto or non owned auto coverage. E. SECTION V DEFINITIONS SECTION VI CLAIMS MADE The following additional definitions apply Auto business means the business or occupation of selling repairing servicing storing or parking autos. Hired auto means any auto you lease hire or borrow. This does not include any auto you lease hire or borrow from any of your employees or members of their households or from any partner or executive officer of yours. Non owned auto means any auto you do not own lease hire or borrow which is used in connection with your business. However if you are a partnership a non owned auto does not include any auto owned by any partner. FINANCIAL RESPONSIBILITY LAWS When this endorsement is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law the insurance provided by this endorsement for bodily injury liability and 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. All other terms and conditions remain unchanged. CG AM 1013 12 07 use of acts or b. or c. above. ness of his or her injury to any co d in the course of with respect to er or officer or a in or otherwise CG AM 1013 12 07 | 2 |
CG AM 1017 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KNOWLEDGE OF OCCURRENCE OFFENSE CLAIM OR SUIT AMENDMENT AND UNINTENTIONAL FAILURE TO DISCLOSE ALL HAZARDS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS COVERAGE FORM SCHEDULE Persons RISK MANAGER OR DESIGNATE Paragraph 2.a. of Section IV Commercial General Liability Conditions Duties In The Event of Occurrence Offense Claim or Suit is deleted and replaced by the following You must see to it that we or our authorized representative are notified as soon as practicable of an occurrence or an offense which may result in a claim. You will not be charged with knowledge of an occurrence offense claim or suit until the persons shown in the Schedule above have been notified of the occurrence offense claim or suit in writing. To the extent possible the 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. The following paragraph is added to paragraph 6. of Section IV Commercial General Liability Conditions Representations Failure of the insured to disclose all hazards existing as of the inception date of the policy shall not reduce or negate the insurance afforded by this policy provided such failure or omission was not intentional. All other terms and conditions remain the same. THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. Page 1 of 1 CG AM 1017 12 07 | 2 |
CG EX 1000 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABSOLUTE ASBESTOS EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM RAILROAD PROTECTIVE LIABILITY COVERAGE FORM The following exclusion is added to paragraph 2. Exclusions of Section Coverages Coverage A Bodily Injury and Property Damage Liability and paragraph 2. Exclusions of Coverage B Personal and Advertising Injury Liability of the Commercial General Liability Coverage Form or to paragraph 2. Exclusions of Section Coverages Products Completed Operations Coverage Form or to paragraph 2. Exclusions of Section Coverages Bodily Injury and Property Damage of the Owners and Contractors Protective Liabiity Coverage Form or to paragraph 2. Exclusions of Section Coverages Coverage A Bodily Injury and Property Damage Liability of the Railroad Protective Liability Coverage Form This insurance does not apply to Asbestos Exclusion 1 Any bodily injury property damage or personal and advertising injury arising out of or caused by the actual alleged or threatened exposure at any time to an asbestos hazard or 2 Any loss cost or expense arising out of a Any claim or suit b Any request demand or order to test for monitor clean up remove dispose of encapsulate contain treat detoxify or neutralize or in any way respond to or assess the effects of an asbestos hazard or c Any claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing disposing of encapsulating containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of an asbestos hazard. The following definition is added to Section V Definitions Asbestos means the mineral in any form whether or not the asbestos was at any time 1 Airborne as a fiber particle or dust 2 Contained in or formed a part of a product structure or other real or personal property 3 Carried on clothing materials goods products or structures 4 Inhaled or ingested or 5 Transmitted by any other means. All other terms and conditions remain the same THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. apply to rising out of Page 1 of 1 CG EX 1000 12 07 | 2 |
CG EX 1001 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABSOLUTE LEAD EXCLUSION COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM RAILROAD PROTECTIVE LIABILITY COVERAGE FORM The following exclusion is added to paragraph 2. Exclusions of Section Coverages Coverage A Bodily Injury and Property Damage Liability and paragraph 2. Exclusions of Coverage B Personal and Advertising Injury Liability of the Commercial General Liability Coverage Form or to paragraph 2. Exclusions of Section Coverages Products Completed Operations Coverage Form or to paragraph 2. Exclusions of Section Coverages Bodily Injury and Property Damage of the Owners and Contractors Protective Liabiity Coverage Form or to paragraph 2. Exclusions of Section Coverages Coverage A Bodily Injury and Property Damage Liability of the Railroad Protective Liability Coverage Form or to paragraph 2. Exclusions of Section Liquor Liability Coverage of the Liquor Liability Coverage Form This insurance does not apply to bodily injury property damage or personal and advertising injury for past present or future claims arising in whole or in part either directly or indirectly out of the suspected actual or alleged Manufacture of Distribution of Transportation of Sale of Resale of Re branding of Installation of Repair of Removal of Encapsulation of Abatement of Replacement of. Carried on clothing gTFTosareacTe Handling of Storage of Ingestion of Absorption of Physical exposure to or. Testing for lead paint or other products containing lead whether or not the lead is or was at any time airborne as a particle contained in a product ingested inhaled transmitted in any fashion or found in any form whatsoever. L N In addition this exclusion applies to 1 The costs of clean up or removal of lead or products and materials containing lead The cost of such actions as may be necessary to monitor assess and evaluate the release or threat of release of lead or products and material containing lead The cost of disposal of lead substances or the taking of such other action that may be necessary to temporarily or permanently prevent minimize or mitigate damage to the public health or welfare or to the environment which may otherwise result The cost of compliance with any law or regulation regarding lead. The company does not have any obligation to defend adjust investigate or pay any cost for investigation defense adjustment or attorney fees which are excluded under the terms of this endorsement. 2 cl 4 All other terms and conditions remain the same. THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. Page 1 of 1 CG EX 1001 12 07 | 2 |
CG EX 1003 12 07 HDI GLOBAL INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AIRCRAFT PRODUCTS AND AIRCRAFT GROUNDING HAZARDS EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM This insurance does not apply to bodily injury property damage or personal and advertising injury andor any liability assumed under a contract or agreement arising out of aircraft products or the grounding of any aircraft. The following additional definitions are added to Section V Definitions Aircraft products means a. Any manufacture sale rental leasing handling distribution inspection maintenance servicing repair or rebuilding of 1 Any aircraft including missiles satellites or spacecraft or ground control or ground support equipment used in connection with either Any article part or spare part installed in aircraft or ground control or ground support equipment or used in connection with either and 3 Any other ground handling tools or equipment. b. Any plans specifications opinions drawings surveys designs blueprints recommendations suggestions orders or engineering or other advice relating to any article part or spare part installed in or used in connection with aircraft or ground control or ground support equipment including any other ground handling tools or equipment. c. Any training aids instructions and manuals relating to the operation inspection maintenance servicing repair or rebuilding of aircraft ground control or ground support equipment including any other ground handling tools or equipment. d. Any other goods products or services specifically intended for use in the manufacture repair service operation or maintenance of any aircraft or ground control or ground support equipment. e. Any labor or services relating to the manufacture sale rental leasing handling distribution inspection maintenance servicing repair or rebuilding of such aircraft articles parts or spare parts installed in or used in connection with any aircraft or ground control or ground support equipment. Grounding means the withdrawal of one or more aircraft from flight operations or the imposition of speed passenger or load restrictions on such aircraft by reason of the existence of or alleged or suspected existence of any defect fault or condition in such aircraft or any article part or spare part which was manufactured sold rented by leased by handled by distributed by inspection by maintained by serviced by repaired by or rebuilt by the insured or any other person or organization according to the plans specifications drawings opinions surveys designs blueprints recommendations suggestions orders or engineering or other advice of the insured or with tools machinery or other equipment furnished to such persons or organizations by the insured whether such aircraft so withdrawn are owned or operated by the same or different persons or organizations. A grounding shall be deemed to commence on the date of an accident or occurrence which discloses such condition or on the date an aircraft is first withdrawn from service on account of such condition whichever occurs first. All other terms and conditions remain the same. THIS ENDORSEMENT MUST BE ATTACHED TO A CHANGE ENDORSEMENT WHEN ISSUED AFTER THE POLICY IS WRITTEN. Page 1 of 1 CG EX 1003 12 07 2 3 | 2 |
POLICY NUMBER GLD5520300 COMMERCIAL GENERAL LIABILITY CG 04351207 POLICY NUMBER GLD5520300 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Deductible 1000 S 121 Limit Of Insurance Employee Benefits S 1000000 each employee Programs 1000000 aggregate Retroactive Date 09 01 2018 Information required to complete this Schedule if not shown above will be shown in the Declarations. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supple mentary Payments. b. This insurance applies to damages only if 1 The act error or omission is negligently of the insured or of any other person for Izl ommtted in Ihg admmistration of your whose acts the insured is legally liable to employee benefit program which this insurance applies. We will have 2 The act error or omission did not take the right and duty to defend the insured place before the Retroactive Date if any against any suit seeking those damages. shown in the Schedule nor after the end However we will have no duty to defend the of the policy period and insured against any suit seeking damages 3 Aclaim for damages because of an act to which Ihsjmsuljancg doeg not apply. We error or omission is first made against may at our discretion nvgstlgate any report any insured in accordance with Para 9 ganact err or omission and ettle any graph c. below during the policy period claim or suit that may result. But or an Extended Reporting Period we pro 1 The amount we will pay for damages is vide under Paragraph F. of this en limited as described in Paragraph D. dorsement. A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as dam ages because of any act error or omission 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. c. A claimseeking damages will be deemed to have been made at the earlier of the follow ing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or CG 04351207 ISO Properties Inc. 2006 Page 1 of 6 m | 2 |
2 When we make settlement in accordance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the pol icy period will be considered to have been received within the policy period if no sub sequent policy is available to cover the claim. d. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefici aries will be deemed to have been made at the time the first of those claims is made against any insured.. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless viola tion of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. e. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j Employment Related Practices Damages arising out of wrongful termination of employment discrimination or other em ployment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and Bare replaced by Supplemen tary Payments Coverages A B and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal represen tative is appointed. Page 2 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
c. 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 Endorsement. 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 no other similar insurance ap plies 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 pol icy period whichever is earlier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section Il Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limitis the most we will pay for all damages because of acts errors or omissions negligently committed in the ad ministration of your employee benefit pro gram. Subject to the Aggregate Limit the Each Employee Limitis the most we will pay for all damages sustained by any one employee including damages sustained by such em ployee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administration of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be sub ject to the limits and restrictions that apply to the payment of benefits in any plan in cluded in the employee benefit program. 14 The Limits of Insurance of this endorsement ap ply separately to each consecutive annual pe riod and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached 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. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The limits of insurance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Sched ule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this in surance applies. c. 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 and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are re placed by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the ex tent possible notice should include 1 What the act error or omission was and when it occurred and CG 04351207 ISO Properties Inc. 2006 Page 3 of 6 m | 2 |
2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a clam is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim or suit as soon as practi cable. c. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission 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 without our consent. 4. Other Insurance If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is primary except when Para graph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has aduty 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. When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that ex ceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorse ment. c. Method Of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will con tribute by limits. Under this method each in surer s share is based on the ratio of its ap plicable limits of insurance to the total applicable limits of insurance of all insurers. 3 4 Page 4 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Pe riod provisions are added or if this endorsement is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this endorse ment or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of cover age provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not be fore the Retroactive Date if any shown in the Schedule. Once in effect the Extended Report ing Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this en dorsement for future payment of damages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period ag gregate limit of insurance described below but only for claims first received and recorded dur ing the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement un der Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to ap ply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees includ ing their dependents and beneficiaries with respect to eligibility for or scope of em ployee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. CG 04351207 ISO Properties Inc. 2006 Page 5 of 6 m | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafe teria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided 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 eli gibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disabil ity benefits d. Vacation plans including buy and sell pro grams leave of absence programs including military maternity family and civil leave tui tion assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively employed formerly employed on leave of absence or dis abled or retired. Employee includes a leased worker. Employee does not include a tempo rary worker. 18. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured 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. Page 6 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
COMMERCIAL GENERAL LIABILITY CG20010413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance 2 You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary primary and would not seek contribution Primary And Noncontributory Insurance from any other insurance available to the o. additional insured. This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that 1 The additional insured is a Named Insured under such other insurance and CG20010413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER GLD5520300 POLICY NUMBER GLD5520300 COMMERCIAL GENERAL LIABILITY CG20110413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises Part Leased To You ANY LOCATION RENTED TO THE INSURED WHERE REQUIRED BY WRITTEN CONTRACT Name Of Persons Or Organizations Additional Insured ANY PERSON OR ORGANIZATION WHERE REQUIRED BY WRITTEN CONTRACT Additional Premium INCL. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to 2. If coverage provided to the additional insured include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability arising out of the ownership maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions This insurance does not apply to 1. Any occurrence which takes place after you cease to be a tenant in that premises. 2. Structural alterations new construction or demolition operations performed by or on behalf of the persons or organizations shown in the Schedule. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following is added to Section Ill Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. NY PERSON OR ORGANIZATION WHERE REQUIRED BY WRITTEN CONTRACT CG20110413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 2106 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is means information facts or programs replaced by the following stored as or on created or used on or 2. Exclusions transmitted to or from computer software This insurance does not apply to p Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. 2 including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. CG 2106 05 14 Insurance Services Office Inc. 2013 Page 1of 1 | 2 |
POLICY NUMBER GLD5520300 POLICY NUMBER GLD5520300 COMMERCIAL GENERAL LIABILITY CG21160413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED PROFESSIONAL SERVICES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description Of Professional Services 1. ANY CONSULTATIVE SERVICES PERFORMED BY THE INSURED With respect to any professional services shown in the Schedule the following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury due to the rendering of or failure to render any professional service. Information required to complete this Schedule if not shown above will be shown in the Declarations. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional service. CG 21160413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21 36 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION NEW ENTITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 3. of Section Il Who Is An Insured does not apply. CG 21 36 03 05 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION INTERCOMPANY PRODUCTS SUITS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This insurance does not apply to any claim for damages by any Named Insured against another Named Insured because of bodily injury or property damage arising out of your products and included within the products completed operations hazard. CG21411185 Copyright Insurance Services Office Inc. 1984 Page 1 of 1 m | 2 |
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