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COMMERCIAL GENERAL LIABILITY 2 A watercraft you do not own that is a Fifty feet long or less and b Not being used to carry any person or property for a charge. The following is added to Paragraph 2. of SECTION Il WHO IS AN INSURED Any person or organization that with your ex press or implied consent either uses or is re sponsible for the use of a watercraft that you do not own that is 1 Fifty feet long or less and 2 Not being used to carry any person or property for a charge. M. INCREASED SUPPLEMENTARY PAYMENTS The following replaces Paragraph 1.b. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER AGES 1. b. Up to 2500 for cost of bail bonds re quired 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 fur nish these bonds. The following replaces Paragraph 1.d. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER AGES d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. N. MEDICAL PAYMENTS INCREASED LIMIT The following replaces Paragraph 7. of SECTION Il LIMITS OF INSURANCE Subject to 5. above the Medical Expense Limit is the most we will pay under Coverage C. for all medical expenses because of bod ily injury sustained by any one person and will be the higher of a 10000 or b The amount shown on the Declarations of 7. this Coverage Part for Medical Expense Limit. KNOWLEDGE AND NOTICE OF OCCUR RENCE OR OFFENSE The following is added to Paragraph 2. Duties In The Event of Occurrence Offense Claim or Suit of SECTION IV COMMERCIAL GEN ERAL LIABILITY CONDITIONS Page 6 of 7 2013 The Travelers Indemnity Company. All rights reserved. The following provisions apply to Paragraph a. above but only for the purposes of the in surance provided under this Coverage Part to you or any insured listed in Paragraph 1. or 2. of Section Il Who Is An Insured 1 Notice to us of such occurrence or of 3 fense must be given as soon as practica ble only after the occurrence or offense is known to you if you are an individual any of your partners or members who is an individual if you are a partnership or joint venture any of your managers who is an individual if you are a limited liability company any of your trustees who is an individual if you are a trust any of your executive officers or directors if you are an organization other than a partnership joint venture limited liability company or trust or any employee authorized by you to give notice of an occurrence or offense. If you are a partnership joint venture lim ited liability company or trust and none of your partners joint venture members managers or trustees are individuals no tice to us of such occurrence or offense must be given as soon as practicable only after the occurrence or offense is known by a Any individual who is i A partner or member of any part nership or joint venture ii A manager of any limited liability company iii A trustee of any trust or iv An executive officer or director of any other organization that is your partner joint venture member manager or trustee or b Any employee authorized by such partnership joint venture limited Ili ability company trust or other organi zation to give notice of an occur rence or offense. Notice to us of such occurrence or of fense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers compensation insurer. This applies only if you subsequently give notice to us of the occurrence or offense as soon as prac ticable after any of the persons described in Paragraphs e.1 or 2 above discov CG D4580713 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY ers that the occurrence or offense may result in sums to which the insurance provided under this Coverage Part may apply. However if this policy includes an endorse ment that provides limited coverage for bod ily injury or property damage or pollution costs arising out of a discharge release or escape of pollutants which contains a re quirement that the discharge release or es cape of pollutants must be reported to us within a specific number of days after its abrupt commencement this Paragraph e. does not affect that requirement. P. UNINTENTIONAL OMISSION The following is added to Paragraph 6. Repre sentations of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS The unintentional omission of or unintentional er ror in any information provided by you which we relied upon in issuing this policy will not prejudice Q. your rights under this insurance. However this provision does not affect our right to collect addi tional premium or to exercise our rights of cancel lation or nonrenewal in accordance with applica ble insurance laws or regulations. REASONABLE FORCE BODILY INJURY OR PROPERTY DAMAGE The following replaces Exclusion a. Expected Or Intended Injury in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY a. Expected or Intended Injury or Damage Bodily injury or property damage expected or intended from the standpoint of the in sured. This exclusion does not apply to bod ily injury or property damage resulting from the use of reasonable force to protect any person or property. Page 7 of 7 CG D4580713 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. 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. Exclusions of Section Coverage A Bodily Injury And Property Damage 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 threatened 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 contrib uted concurrently or in any sequence to such injury or damage. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing 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 consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Personal injury or advertising injury which would not have taken place in whole or in part but for the actual al leged or threatened inhalation of inges tion of contact with exposure to exis tence of or presence of any fungi or bacteria on or within a building or struc ture including its contents regardless of whether any other cause event material or product contributed concurrently or in any sequence to such injury. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing 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. C. The following definition is added to the Defini tions Section Fungi means any type or form of fungus in cluding mold or mildew and any mycotoxins spores scents or byproducts produced or re leased by fungi. CG D243 01 02 Copyright The Travelers Indemnity Company 2002 Includes copyrighted material of Insurance Services Office Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE PROPERTY DAMAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PROVISIONS The definition of property damage in SECTION V DEFINITIONS is deleted in its entirety and replaced by the following Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physi cally injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. Property damage does not include loss of or dam age to electronic media and records. As used in this definition electronic media and records means a. Electronic data processing recording or storage media such as films tapes discs drums or cells b. Data stored on such media or Programming records for electronic data process ing or electronically controlled equipment. CG D256 11 03 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily in jury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or The spouse child parent brother or sister of that person as a consequence of personal injury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CG D288 1103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNSOLICITED COMMUNICATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY Unsolicited Communication Bodily injury or property damage arising out of any actual or alleged violation of any law that re stricts or prohibits the sending transmitting or dis tributing of unsolicited communication. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Unsolicited Communication Personal injury or advertising injury arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication. The following is added to the DEFINITIONS Sec tion Unsolicited communication means any commu nication in any form that the recipient of such communication did not specifically request to re ceive. exclusion is added to Paragraph 2. of SECTION COVERAGES. A BODILY INJURY AND PROP GE LIABILITY Communication Page 1 of 1 CG D326 10 11 2011 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The following replaces Paragraph 5 of Exclusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY 5 Bodily injury or property damage arising out of a The operation of machinery or equipment 1. b that is attached to or part of a land vehi cle that would qualify as mobile equip ment under the definition of mobile equipment if such land vehicle were not subject to a compulsory or financial re sponsibility law or other motor vehicle in surance law where it is licensed or prin cipally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equip ment. 2. The following replaces the definition of auto in the DEFINITIONS Section 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads in cluding any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment. The following is added as to the definition of mo bile equipment in the DEFINITIONS Section However mobile equipment does not in clude any 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. Such land vehicles are considered autos. Paragraph 3. of SECTION Il WHO IS AN IN SURED s deleted. replaces Paragraph 5 of Exclusion Auto Or Watercraft in Paragraph 2. COVERAGES COVERAGE A. JURY AND PROPERTY DAMAGE njury or property damage arising operation of machinery or equipment is attached to or part of a land vehi hat would qualify as mobile equip Page 1 of 1 CG D356 05 14 2014 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following replaces Paragraph 2 of Exclusion b. Contractual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Assumed by you in a contract or agreement that is an insured contract provided that the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an insured contract rea sonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of bodily injury or property dam age provided that a Liability to such party for or for the cost of that party s defense has also been as sumed by you in the same insured con tract and b Such attorney fees and litigation ex penses are for defense of that party 3. against a civil or alternative dispute reso lution proceeding in which damages to which this insurance applies are alleged. 2. The following replaces the beginning of Para graph 2. and Paragraphs 2.a. b. c. d. and e. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVERAGES 2. If we defend you against a suit and your in demnitee is also named as a party to the suit we will have the right and duty to de fend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which you have assumed the liability of the indemnitee in a contract or agreement that is an insured con tract b. This insurance applies to such liability as sumed by you c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by you in the same in sured contract d. The allegations in the suit and the in formation we know about the occur rence or offense are such that we de termine that no conflict exists between your interests and the interests of the in demnitee e. You and the indemnitee ask us to con duct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to defend you and the indemnitee and The following replaces the last sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B of SEC TION COVERAGES Our obligation to defend your indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments settlements or medical expenses or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. CG D4 21 07 08 Page 1 of 1 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Violation Of Consumer Financial Protection Laws Bodily injury or property damage arising out of any actual or alleged violation of a consumer financial protection law or any other bodily in jury or property damage alleged in any claim or suit that also alleges any such violation. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY Violation Of Consumer Financial Protection Laws Personal injury or advertising injury arising out of any actual or alleged violation of a con sumer financial protection law or any other personal injury or advertising injury alleged in any claim or suit that also alleges any such violation. The following is added to the DEFINITIONS Section Consumer financial identity information means any of the following information for a person that is used or collected for the purpose of serving as a factor in establishing such person s eligibil ity for personal credit insurance or employment or for the purpose of conducting a business transaction a. Part or all of the account number the expi ration date or the balance of any credit debit bank or other financial account. b. Information bearing on a person s credit worthiness credit standing or credit capac ity. c. Social security number. d. Drivers license number. e. Birth date. Consumer financial protection law means a. The Fair Credit Reporting Act FCRA and any of its amendments including the Fair and Accurate Credit Transactions Act FACTA b. California s Song Beverly Credit Card Act and any of its amendments or c. Any other law or regulation that restricts or prohibits the collection dissemination transmission distribution or use of con sumer financial identity information. Page 1 of 1 CG D618 10 11 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS This insurance does not apply to any injury damage loss cost payment or expense including but not limited to defense and investigation of any kind aris ing out of resulting from caused by or contributed to by the actual or alleged presence or actual al leged or threatened dispersal release ingestion in halation or absorption of lead lead compounds or lead which is or was contained or incorporated into any material or substance. This exclusion applies but is not limited to 1. Any supervision instructions recommendations warnings or advice given in connection with the above Any obligation to share damages losses costs payments or expenses with or repay someone else who must make payment because of such injury or damage loss cost payment or ex pense or Any request order or requirement to abate mitigate remediate contain remove or dispose of lead lead compounds or materials or sub stances containing lead. CG DO 76 06 93 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DISCRIMINATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY is amended by ad ding the following additional exclusion This Insurance does not apply to Bodily injury resulting from or as a consequence of discrimination whether intentional or uninten tional based upon a person s sex sexual prefer ence marital status race creed religion na tional origin age physical capabilities character istics or condition or mental capabilities or con dition. 2. COVE ING It the fol This i Persc quenc uninte prefer nation teristic condit 2. COVERAGE B PERSONAL AND ADVERTIS ING INJURY LIABILITY is amended by adding the following additional exclusion This insurance does not apply to Personal injury resulting from or as a conse quence of discrimination whether intentional or unintentional based upon a person s sex sexual preference marital status race creed religion national origin age physical capabilities charac teristics or condition or mental capabilities or condition. CG D1420199 Copyright The Travelers Indemnity Company 1999 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION TOBACCO This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to bodily injury property damage personal injury or advertising injury arising out of or related in any way to the sale manufacture handling distribution marketing con sumption ingestion or use of or exposure to any tobacco or tobacco product. Without limiting their meaning the words tobacco or tobacco product include a raw or cured tobacco cigarettes and cigarette paper cigarette filters cigars and cigar wrappers pipe tobacco snuff chewing tobacco smokeless tobacco tobacco smoke or particles of tobacco b any material substance ingredient or element used in or as part of any to bacco or tobacco product c any product which is comprised of in whole or in part any tobacco or tobacco product d any wrappers tips filters or other parts of tobacco or tobacco products e any material substance ingredient or element or their residues sprayed on applied to or found within any tobacco or tobacco product f any smoke fumes gas or other compound arising out of any tobacco or tobacco product and g any warnings instructions or representations at any time or the failure to provide them with respect to any tobacco or tobacco product. This exclusion applies to all bodily injury or prop erty damage whether or not such bodily injury or property damage is included in the products completed operations hazard. CG D2 26 06 99 Copyright The Travelers Indemnity Company 1999 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION WAR This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion i. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to War Bodily injury or property damage aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force in cluding action in hindering or de fending against an actual or expected attack by any government sovereign or other authority using military per sonnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these regardless of any other cause or event that contributes concurrently or in any se quence to the injury or damage. 3 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to War Personal injury or advertising injury aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force includ ing action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by gov ernmental authority in hindering or de fending against any of these regardless of any other cause or event that contributes concurrently or in any sequence to the injury. 3 CG D2 420102 Copyright The Travelers Indemnity Company 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION AIRCRAFT PRODUCTS AND GROUNDING This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of either SECTION COVER AGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY or SECTION COVERAGES PRODUCTS COMPLETED OPERATIONS BODILY INJURY AND PROP ERTY DAMAGE LIABILITY whichever section is included in the Coverage Part Aircraft Products And Grounding Bodily injury or property damage included within the products completed operations haz ard and arising out of any aircraft product or the grounding of any aircraft. The following is added to the DEFINITIONS Sec tion Aircraft product means a. Aircraft including missile or spacecraft and any ground support or control equipment used with any aircraft missile or spacecraft b. Any of your products manufactured for used in connection with or incorporated into aircraft aircraft parts aircraft equipment or aircraft accessories including ground han dling tools and equipment c. Any of your products used for the purpose of guidance navigation or direction of aircraft whether an aircraft is in flight or on the ground or d. Training aids navigation charts navigation aids manuals blueprints engineering or other data or advice services and labor relat ing to such aircraft or products. Grounding means the withdrawal of one or more aircraft from flight operations or the imposition of speed passenger or load restrictions on such air craft by reason of the actual alleged or sus pected existence of any defect fault or condition in such aircraft or any part thereof a. Sold handled or distributed by the insured or b. Manufactured assembled or processed by any other person or organization 1 According to specifications plans sug gestions orders or drawings of the in sured or 2 With tools machinery or other equipment furnished to such persons or organiza tions by the insured whether such aircraft so withdrawn or restricted are owned or operated by the same or different persons or organizations. Page 1 of 1 CGT3230811 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY This insurance does not apply to bodily injury a. Any supervision instructions recommendati property damage personal injury or advertising warnings or advice given or which should h injury arising out of the actual or alleged presence been given in connection with the above and or actual alleged or threatened dispersal of asbes b. Any obligation to share damages with or re tos asbestos fibers or products containing asbestos provided that the injury or damage is caused or con tributed to by the hazardous properties of asbestos. This includes someone else who must pay damages beca of such injury or damage. a. Any supervision instructions recommendations warnings or advice given or which should have been given in connection with the above and b. Any obligation to share damages with or repay someone else who must pay damages because of such injury or damage. Copyright The Travelers Indemnity Company. CG T4 78 02 90 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES COMMERCIAL GENERAL LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraph 1.a. of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insur ance applies. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are groundless false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insur ance does not apply. We may at our dis cretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Cov erages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments Coverages A and 2 B. Paragraph 1.a. of Section Coverage B Per sonal And Advertising Injury Liability is re placed by the following 1. Insuring Agreement a. CG F26308 11 We will pay those sums that the insured becomes legally obligated to pay as damages because of personal injury or advertising injury to which this insur ance applies. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are groundless false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for personal in jury or advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Cov erages A and B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments Coverages A and B. C. The following is added as Paragraph e. to the Duties In The Event Of Occurrence Offense Claim Or Suit Condition Paragraph 2. of Sec tion IV Commercial General Liability Condi tions e. Notice given by or on behalf of the in sured or written notice by or on behalf of the injured person or any other claimant to any agent of ours in New York State with particulars sufficient to identify the insured shall be considered to be notice to us. D. Paragraph 3. of Section IV Commercial Gen eral Liability Conditions is replaced by the follow ing 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 2 Includes the copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY 3. Legal Action Against Us a. Except as provided in Paragraph b. no person or organization has a right under this Coverage Part 1 To join us as a party or otherwise bring us into a suit asking for dam ages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applica ble limit of insurance. An agreed settle ment means a settlement and release of liability signed by us the insured and the claimant s legal representative. With respect to bodily injury personal injury and advertising injury claims if we deny coverage or do not admit liability because an insured or the injured person someone acting for the injured person or other claimant fails to give us written no tice as soon as practicable then the in jured person someone acting for the in jured person or other claimant may bring an action against us provided the sole question is whether the denial of cover age or nonadmission of liability is based on the failure to provide timely notice. However the injured person someone acting for the injured person or other claimant may not bring an action if within 60 days after we deny coverage or do not admit liability we or an insured 1 Brings an action to declare the rights of the parties under the policy and 2 Names the injured person someone acting for the injured person or other claimant as a party to the action. E. The following provision is added and supersedes any provision to the contrary Failure to give notice to us as required under this Coverage Part shall not invalidate any claim made by the insured injured person or any other claimant unless the failure to provide such timely notice has prejudiced us. However no claim made by the insured injured person or any other claimant will be invalidated if it shall be shown not to have been reasonably possible to give such timely notice and that notice was given as soon as was reasonably possible thereafter. The definition of loading or unloading in the Definitions Section does not apply. CG F26308 11 Page 2 of 2 2011 The Travelers Indemnity Company. Al rights reserved. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following Condition is added to COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV Transfer of Duties When a Limit of Insurance is Used Up. a. If we conclude that based on occurrences of fenses claims or suits which have been reported to us and to which this insurance may apply the 1 General Aggregate Limit other than the Products Completed Operations Aggregate Limit 2 Products Completed Operations Aggregate Limit 3 Personal and Advertising Injury Limit 4 Each Occurrence Limit or 5 Fire Damage Limit is likely to be used up in the payment of judg ments or settlements we will notify the first Named Insured in writing to that effect. b. When a limit of insurance described in para graph a. above has actually been used up in the payment of judgments or settlements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking damages subject to that limit has also ended. We will initiate and cooperate in the transfer of control to any appropriate insured of all claims and suits seeking damages which are subject to that limit and which are reported to us before that limit is used up. That insured must cooperate in the transfer of control of said claims and suits. 2 We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. We will take no action whatsoever with respect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is reported to us after that limit of insurance has been used up. The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the defense of such suit within such time period as agreed to between the appropriate in sured and us. Absent any such agreement arrangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for expenses we incur in taking those steps we deem appropriate in accordance with paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with paragraph a. above or 3 2 The date on which we sent notice in accord ance with paragraph b.1 above if we did not send notice in accordance with para graph a. above. The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be affected by our failure to comply with any of the provisions of this Condition. CG 26211091 Copyright Insurance Services Office Inc. 1991 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD NEW YORK This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS COMPELETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS This insurance does not apply to any injury damage loss cost payment or expense including but not limited to defense and investigation of any kind aris ing out of resulting from caused by or contributed to by the actual or alleged presence or actual al leged or threatened dispersal release ingestion in halation or absorption of lead lead compounds or lead which is or was contained or incorporated into any material or substance. This exclusion applies but is not limited to 1. Any supervision instructions recommendations warnings or advice given in connection with the above 2. Any obligation to share damages losses costs payments or expenses with or repay someone else who must make payment because of such injury or damage loss cost payment or ex pense or 3. Any request order or requirement to abate mitigate remediate contain remove or dispose of lead lead compounds or materials or sub stances containing lead. This exclusion does not apply to any building which is a. Constructed after 1980 or b. Which has been certified as lead free or as having been remediated in accordance with pub lished EPA guidelines. CG F0 94 09 95 Copyright The Travelers Indemnity Company 1995. Page 1 of 1 | 2 |
EMPLOYEE BENEFITS LIABILITY | 2 |
EMPLOYEE BENEFITS LIABILITY | 2 |
N TRAVELERS J One Tower Square Hartford Connecticut 06183 EMPLOYEE BENEFITS LIABILITY POLICY NO. Y660 1060L503 TCT14 COVERAGE PART DECLARATIONS ISSUE DATE 08 12 14 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT DECLARATIONS PERIOD From 08 08 14 to 08 08 15 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employee Benefits Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE Employee Benefits Liability Coverage Form Limits of Insurance Aggregate Limit 2000000 Each Employee Limit 1000000 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS CORPORATION 4. RETROACTIVE DATE This insurance does not apply to negligent acts errors or omissions which occurred before the Retroactive Date if any shown below. Retroactive Date 08 08 2005 5. EMPLOYEE BENEFIT PROGRAMS OTHER THAN THOSE LISTED IN SECTION VII DEFINITIONS Limits of Insurance 2000000 1000000 DEDUCTIBLE NONE EACH EMPLOYEE PREMIUM COMPUTATION Rate Estimated No. Per Estimated Minimum of Employees Employee Premium Premium 117.285 300 300 NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. CG T0 09 09 93 PRODUCER LOCKTON COMPANIES LLC Page 1 of 1 OFFICE KANSAS CITY XG345 | 2 |
TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE SECTION I COVERAGES Beginning on Page 1 Employee Benefits Insuring Agreement Liability Coverage Exclusions 1 Supplementary Payments 2 SECTION II WHO IS AN INSURED 2 SECTION IlI LIMITS OF INSURANCE 2 SECTION IV DEDUCTIBLE. SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS 3 Bankruptcy 3 Cancellation Non renewal Renewal and Reduction or Deletion of Coverage............ 4 Duties in The Event of Act Error or Omission 3 Legal Action AQAINSE US... Other Insurance 4 Premium Audit 4 Representations 4 Separation of Insureds 4 Transfer of Rights of Recovery Against Others To Us 4 SECTION VI EXTENDED REPORTING PERIODS 4 SECTION VII DEFINITIONS 5 CGT043 1188 TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE SECTION I COVERAGES Beginning on Page Employee Benefits Insuring Agreement 1 Liability Coverage Exclusions 1 Supplementary Payments 2 EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE Employee Benefits Liability Coverage Liatility Coverage S Exclusions Supplementary Payments SECTION II WHO IS AN INSURED SECTION IlI LIMITS OF INSURANCE SECTION IV DEDUCTIBLE SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Bankruptcy Cancellation Non renewal Renewal and Reduction or Deletion of Coverage............ Duties in The Event of Act Error or Omission Legal Action Against Us. Other Insurance Premium Audit Representations Separation of Insureds Transfer of Rights of Recovery Against Others To Us SECTION VI EXTENDED REPORTING PERIODS SECTION VII DEFINITIONS | 2 |
COMMERCIAL GENERAL LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations. The words we us and our refer to the Company providing this insurance. The word insured means any person or organization qualifying as such under SECTION Il WHO IS AN IN SURED. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VIl DEFINI TIONS. SECTION EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of any negligent act error or omis sion of the insured or of any other person for whose acts the insured is legally liable. The negligent act error or omission must be committed in the administration of your employee benefit program. No other obliga tion or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS. This insurance does not apply to any negli gent act error or omission which occurred before the Retroactive Date if any shown in the Declarations or which occurs after the policy expires. The negligent act error or omission must take place in the coverage territory. We will have the right and duty to defend any suit seeking those damages. But 1 The amount we will pay for damages is limited as described in SECTION Il LIMITS OF INSURANCE 2 We may at our discretion investigate any report of a negligent act error or omission and settle any claim or suit that may re sult and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements. 3 b. This insurance applies to any negligent act error or omission of the insured but only if a claim for damages because of the negligent act error or omission is first made against any insured during the policy period. 1 A claim by a person or organization seeking damages will be deemed to have been made when notice of such claim is received and recorded by any insured or by us whichever comes first. All claims for damages sustained by any one employee including the employee s dependents and beneficiaries will be deemed to have been made at the time the first of those claims is made against any insured. Exclusions This insurance does not apply to Loss arising out of any dishonest fraudulent criminal or malicious act or omission com mitted by any insured Bodily injury or property damage or per sonal injury Loss arising out of failure of performance of contract by any insured Loss arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program Any claim or suit based upon 1 failure of any investment to perform as represented by any insured or CGT1010786 Page 1 0f 6 | 2 |
COMMERCIAL GENERAL LIABILITY 2 advice given to any person to participate or not to participate in any plan included in the employee benefit program Loss arising out of your failure to comply with the mandatory provisions of any law con cerning workers compensation unemploy ment insurance social security or disability benefits Loss for which the insured is liable because of liability imposed on a fiduciary by the Em ployee Retirement Security Act of 1974 as now or hereafter amended or Loss or damage for which benefits have ac crued under the terms of an employee benefit plan to the extent that such benefits are available from funds accrued by the insured for such benefits or from collectible insurance notwithstanding the insured s act error or omission in administering the plan which pre cluded the claimant from receiving such benefits. 3. Supplementary Payments We will pay with respect to any claim or suit we defend a. b. All expenses we incur. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. All reasonable expenses incurred by the in sured at our request to assist us in the inves tigation or defense of the claim or suit in cluding actual loss of earnings up to 100 a day because of time off from work. All costs taxed against the insured in the suit. Pre judgment interest awarded against the insured on that part of the judgment we pay. If we made an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. 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 de posited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of in surance. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as An individual you and your spouse are in sureds but only with respect to the conduct of a business of which you are the sole owner. A partnership or joint venture you are an in sured. An organization other than a partnership or joint venture you are an insured. Your direc tors and stockholders are also insureds but only with respect to their liability as your di rectors or stockholders. 2. Each of the following is also an insured Each of your partners executive officers and employees who is authorized to administer your employee benefit program. Your legal representative if you die but only with respect to duties as such. That repre sentative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership or joint venture and over which you maintain ownership or majority interest will be deemed to be a Named Insured if there is no other similar insurance available to that or ganization. However Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy pe riod whichever is earlier Coverage under this provision does not apply to any negligent act error or omission that occurred before you acquired or formed the organization. No person or organization is an insured with re spect to the conduct of any current or past part nership or joint venture that is not shown as a Named Insured in the Declarations. SECTION Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay re gardless of the number of a. b. c. Insureds Claims made or suits brought Persons or organizations making claims or bringing suits. Acts errors or omissions which result in loss or Page 2 of 6 CGT1010786 | 2 |
COMMERCIAL GENERAL LIABILITY e. Plans included in your employee benefit pro gram 2. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions committed in the administration of your em ployee benefit program. 3. Subject to the Aggregate Limit the Each Em ployee Limit is the most we will pay for all dam ages sustained by any one employee including the employee s dependents and beneficiaries because of acts errors or omissions committed in the administration of your employee benefit program. The limits of this Coverage Part apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV DEDUCTIBLE 1. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in Item 6 of the Declarations as applicable to Each Em ployee. The limits of insurance applicable to Each Employee will be reduced by the amount of this deductible. The Aggregate limit shall not be reduced by the application of such deductible amount. 2. The deductible amount stated in the Declarations applies to all damages sustained by an employee because of an act error or omission covered by this insurance. 3. The terms of this insurance including those with respect to a. Our right and duty to defend any suits seeking those damages and b. Your duties in the event of an act error or omission claim or suit apply irrespective of the application of the deductible amount. 4. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Bankruptcy. Bankruptcey or insolvency of the insured or of the insured s estate will not relieve us of our obliga tions under this Coverage Part. Duties In the Event Of Act Error or Omission Claim or Suit. 1. 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. Notice should include 1 What the act error or omission was and when it occurred. 2 The names and addresses of any em ployees who may suffer damages as a result of the act error or omission. Notice of an act error or omission is not no tice of a claim. If a claim is received by any insured you must 1 Immediately record the specifics of the claim and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or a suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation settlement or defense of the claim or suit and 4 Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of damage to which this insurance may also apply. No insureds will except at their own cost voluntarily make a payment assume any ob ligation or incur any expense without our consent. 3. Legal Action Against Us. No person or organization has a right under this Coverage Part CGT1010786 Page 3 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY a. To join us as a party or otherwise bring us into a suit asking for damages from an in sured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insur ance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal repre sentative. Other Insurance. If other valid and collectible insurance is available to the insured for a loss we cover under this Cov erage Part our obligations are limited as follows a. Primary Insurance. This insurance is primary except when para graph 4. of Section VI Extended Reporting Periods applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in b. below. b. Method of Sharing. If 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 con tribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insur ance to the total applicable limits of insurance of all insurers. Premium Audit. a. We will compute all premiums for this Cover age Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will com pute the earned premium for that period. Audit premiums are due and payable on no tice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than the earned pre mium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium com putation and send us copies at such times as we may request. 6. Representations. By accepting this policy you agree a. The statements in the Declarations are accu rate and complete b. Those statements are based upon represen tations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation of Insureds. Except with respect to the Limits of Insurance and any rights or duties specifically assigned to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against who claim is made or suit is brought. 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 in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. Cancellation Non renewal Renewal and Reduction or Deletion of Coverage The following conditions also apply to this Cover age Part All conditions relating to cancellation non renewal renewal and reduction or deletion of coverage which would apply to a Commercial General Liability Coverage Part attached to this policy. SECTION VI EXTENDED REPORTING PERIODS 1. We will provide an automatic Extended Reporting Period as described in paragraph 3. or if you Page 4 of 6 CGT1010786 | 2 |
COMMERCIAL GENERAL LIABILITY purchase it an Extended Reporting Period En dorsement as described in paragraph 4 only if a. This Coverage Part is cancelled or not re newed for any reason or b. We renew or replace this Coverage Part with other insurance that has a Retroactive Date later than the one shown in this Coverage Part s Declarations. If we provide an Extended Reporting Period the following is added to paragraph 1.b. of INSURING AGREEMENT SECTION I 3 A claim first made during the Extended Re porting Period will be deemed to have been made on the last day of the policy period pro vided that the claim is for damages because of an act error or omission that occurred be fore the end of the policy period of this policy but not before any applicable Retroactive Date. The Extended Reporting Period will not reinstate or increase the Limits of Insurance or extend the policy period. The automatic Extended Reporting Period will be for 60 days starting with the end of the policy pe riod of this policy. This automatic Extended Reporting Period ap plies only if no subsequent insurance you pur chase applies to the claim or would apply but for the exhaustion of its applicable limit of insurance. This automatic Extended Reporting Period may not be cancelled. If you purchase the optional Extended Reporting Period Endorsement the Extended Reporting Pe riod will be for one year starting with the end of the policy period of this policy. We will issue that Endorsement if the first Named Insured shown in the Declarations a. Makes a written request for it which we re ceive within 60 days after the end of the pol icy period and b. Promptly pays the additional premium when due. The Extended Reporting Period Endorsement will not take effect unless the additional premium is paid when due. If that premium is paid when due the endorsement may not be canceled. The Extended Reporting Period Endorsement will also amend paragraph 4.a. of SECTION V EM PLOYEE BENEFITS LIABILITY CONDITIONS Other Insurance so that the insurance provided will be excess over any other valid and collectible insurance available to the insured whether pri mary excess contingent or on any other basis whose policy period begins or continues after the Endorsement takes effect. 5. We will determine the actual premium for the Extended Reporting Period Endorsement in ac cordance with our rules and rates. In doing so we may take into account the following a. The exposures insured b. Previous types and amounts of insurance c. Limits of Insurance available under this Cov erage Part for future payment of damages and d. Other related factors. The premium for the Extended Reporting Period Endorsement will not exceed 200 of the annual premium for the Coverage Part to which the en dorsement would be attached and will be fully earned when the Endorsement takes effect. SECTION VIl DEFINITIONS 1. Administration means a. Counseling employees including their de pendents and beneficiaries with respect to the employee benefit program b. Handling records in connection with the em ployee benefit program or c. Effecting or terminating any employee s par ticipation in a plan included in the employee benefit program. 2. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. 3. Coverage territory means the United States of America including its territories and posses sions Puerto Rico and Canada. 4. Employee means your officers partners and employees whether actively employed disabled or retired. 5. Employee benefit program means the following plans a. Group life insurance group accident or health insurance profit sharing plans pension plans and stock subscription plans provided that no one other than an employee may sub scribe to such insurance or plans CGT1010786 Page 5 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY b. Unemployment insurance social security benefits workers compensation and disability benefits c. Any other similar plan designated in the Dec laration or added thereto by endorsement. Personal injury means injury other than bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. Wrongful entry into or eviction of a person from a room dwelling or premises that the person occupies d. Oral or written publication of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services or e. Oral or written publication of material that violates a person s right of privacy. 7. Profit sharing plans mean only such plans that are equally available to all full time employees. 8. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property or b. Loss of use of tangible property that is not physically injured. 9. Stock subscription plans mean only such plans that are equally available to all full time employ ees. 10. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes an arbitration proceeding alleging such damages to which you must submit or submit with our consent. Page 6 of 6 CGT1010786 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This coverage part is amended as follows 2. Under Section II WHO IS AN INSURED 1. Under Section EMPLOYEE BENEFITS LIA 1.b. is replaced by the following BILITY COVERAGE Exclusion 2.c. is amended to b. A partnership or joint venture you are read as follows insured. Your members your partners c. Loss arising out of failure of performance of their spouses are also insureds but only contract by any insurer respect to their duties as partners or m bers of a joint venture. 2. Under Section II WHO IS AN INSURED Item 1.b. is replaced by the following b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to their duties as partners or mem bers of a joint venture. CG T5 30 06 89 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION IRC VIOLATIONS This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS b. Any expense loss or damages i arising out of This insurance does not apply to the rnposnon of such taxes fines merest penalties or other charges or ii resulting from any provision of the Internal Revenue Code of 1986 as amended. a. Any taxes fines interest penalties or other cost imposed under or resulting from any provision of the Internal Revenue Code of 1986 as amended or any similar state or local law or CG DO 38 03 95 Copyright The Travelers Indemnity Company 1995 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL EXCLUSION EMPLOYEE BENEFITS LIABILITY This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This insurance does not apply to loss arising out of 1. The wrongful termination of an employee 2. The coercion demotion reassignment discipline or harassment of an employee 3. Discrimination against an employee. CGT4851188 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART The following is added to SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Transfer Of Duties When A Limit Of Insurance Is Used Up. a. If we conclude that based on acts errors omis sions claims or suits which have been reported to us and to which this insurance may apply the 1 Aggregate Limit or 2 Each Employee Limit is likely to be used up in the payment of judg ments or settlements we will notify the first Named Insured in writing to that effect. When a limit of insurance described in Paragraph a. above has actually been used up in the pay ment of judgments or settlements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking dam ages subject to that limit has also ended. 2 We will initiate and cooperate in the transfer of control to any appropriate insured of all claims and suits seeking damages which are subject to that limit and which are re ported to us before that limit is used up. That insured must cooperate in the transfer of con trol of said claims and suits. We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. We will take no action whatsoever with re spect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is re ported to us after that limit of insurance has been used up. The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the de fense of such suit within such time period as agreed to between the appropriate insured and us. Absent any such agreement ar rangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for ex penses we incur in taking those steps we deem appropriate in accordance with Paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with Paragraph a. above or 2 The date on which we sent notice in accor dance with Paragraph b.1 above if we did not send notice in accordance with Paragraph a. above. The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be af fected by our failure to comply with any of the provisions of this Condition. 3 TION V EMPLOYEE ITIONS Limit Of Insurance Is d on acts errors omis lich have been reported urance may apply the n the payment of judg ve will notify the first. to that effect. described in Paragraph en teed un in the nav Page 1 of 1 CGF7180812 2012 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
MULTIPLE SUBLINE ENDORSEMENTS | 2 |
MULTIPLE SUBLINE ENDORSEMENTS | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION WHEN TWO OR MORE POLICIES APPLY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART Provisions 1. Injury damage or loss might be covered by this policy and also by other policies issued to you by us or any Travelers affiliate. When these other policies contain a provision similar to this one the amount we will pay is limited. The maximum that we will pay under all such policies combined is the highest limit that applies in any one of these policies. 2. This does not apply to any personal liability policy or to any Umbrella Excess or Protective Liability Policy. CGT3331103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES PREMIUM AUDIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph b. of the Premium Audit Condition 180 days after the expiration date of the pol Section IV is replaced by the following icy. But the audit may be waived if the total PREMIUM AUDIT annual premium attributable to the auditable. P exposure base is not reasonably expected to b. Premium shownm this Coyerage. Part as ad exceed 1500. If the sum of the advance and vance premium is a deposn premium pnly. At audit premiums paid for the policy term is the close of each at period we W com greater than the earned premium we will re pute the earned premium for that period and turn the excess to the first Named Insured. send notice to the first Named Insured. The due date for audit and retrospective premi ums is the date shown as the due date on the bill. An audit to determine the final premium due or to be refunded will be completed within B. Except as provided in Paragraph A. above the Examination Of Your Books And Records Common Policy Condition continues to apply. CG 01041204 IS0 Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART A. Cancellation Common Policy Conditions is re placed by the following CANCELLATION 1. The first Named Insured shown in the Decla rations may cancel this policy by mailing to us advance written notice of cancellation. 2. We may cancel this policy by mailing to you written notice stating the reason for cancella tion. If we cancel a. For nonpayment of premium we will mail the notice at least 10 days prior to the ef fective date of cancellation. b. For a reason other than nonpayment of premium we will mail the notice at least 1 30 days prior to the effective date of cancellation if the policy has been in effect for 60 days or less. 2 60 days prior to the effective date of cancellation if the policy has been in effect for more than 60 days. 3. If this policy has been in effect for more than 60 days we may cancel only for one or more of the following reasons a. Nonpayment of premium b. The policy was obtained through a mate rial misrepresentation c. Any insured has violated any of the terms and conditions of the policy d. The risk originally accepted has meas urably increased e. Certification to the Director of Insurance of the loss of reinsurance by the insurer that provided coverage to us for all or a substantial part of the underlying risk in sured or f. A determination by the Director of Insur ance that the continuation of the policy could place us in violation of the insur ance laws of this State. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund will be less than pro rata. The cancellation will be effective even if we have not offered a refund. B. The following is added and supersedes any pro vision to the contrary NONRENEWAL If we decide not to renew or continue this policy we will mail you and your agent or broker written notice stating the reason for nonrenewal at least 60 days before the end of the policy period. If we offer to renew or continue and you do not accept this policy will terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. If we fail to mail proper written notice of nonre newal and you obtain other insurance this policy will end on the effective date of that insurance. C. Mailing Of Notices We will mail cancellation and nonrenewal notices to you and the agent or broker at the last ad dresses known to us. Proof of mailing will be suf ficient proof of notice. CG 02001207 ISO Properties Inc. 2006 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The term spouse is replaced by the following Spouse or registered domestic partner under California law. CG 32340105 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
INTERLINE ENDORSEMENTS | 2 |
INTERLINE ENDORSEMENTS | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement applies to the insurance provided under the following COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE ELECTRONIC MANUFACTURERS AND COMPUTER SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PROVISIONS On December 26 2007 the President of the United States signed into law amendments to the Terrorism Risk Insurance Act of 2002 the Act which among other things extend the Act and expand its scope. The Act es tablishes a program under which the Federal Government may partially reimburse Insured Losses as defined in the Act caused by acts of terrorism. An act of terrorism is defined in Section 1021 of the Act to mean any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission and to have been commit ted by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. The Federal Government s share of compensation for Insured Losses is 85 of the amount of Insured Losses in excess of each Insurer s statutorily established deductible subject to the Program Trigger as defined in the Act. In no event however will the federal government or any Insurer be required to pay any portion of the amount of aggregate Insured Losses occurring in any one year that exceeds 100000000000 provided that such Insurer has met its deductible. If aggregate Insured Losses exceed 100000000000 in any one year your coverage may therefore be reduced. The charge for Insured Losses for each Coverage Part is included in the Coverage Part premium. The charge that has been included for each Coverage Part is indicated below and does not include any charge for the portion of losses covered by the Federal Government under the Act. 1 of each applicable Commercial Liability Coverage premium. ILT3 68 05 10 Page 1 of 1 2010 The Travelers Indemnity Company | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION ENVIRONMENTAL HAZARD POLICY EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM EXCESS FOLLOWING FORM LIABILITY INSURANCE MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insur ance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insur ance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursu ant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The actis 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. ILT37610 10 Page 1 of 1 2010 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following 1. COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. 2 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 operation of a nuclear facility by any person or organization.. Under any Liability Coverage to bodily in jury or property damage resulting from hazardous properties of nuclear mater if 1 The nuclear material a is at any clear facility owned by or operated b on behalf of an insured or b has b discharged or dispersed therefrom The nuclear material is containec spent fuel or waste at any time sessed handled used proces stored transported or disposed of b on behalf of an insured or The bodily injury or property damz arises out of the furnishing by an sured of services materials parts equipment in connection with the p ning construction maintenance op tion or use of any nuclear facility b such facility is located within the Un States of America its territories or sessions or Canada this exclusion applies only to property damage to s nuclear facility and any property ther As used in this endorsement Hazardous properties includes radioactive t or explosive properties. Nuclear material means source material cial nuclear material or by product material. Source material special nuclear material by product material have the meanings g them in the Atomic Energy Act of 1954 or in law amendatory thereof. Spent fuel means any fuel element or fuel ponent solid or liquid which has been use exposed to radiation in a nuclear reactor. 3 to bodily in nsured under d under a nu issued by Nu ance Associa Liability Un e Association uccessors or any such pol on exhaustion us properties jith respect to rganization is ial protection nergy Act of ory thereof or this policy not tled to indem of America or ny agreement ed States of reof with any coverage to to bodily in us properties ng out of the Oy any person to bodily in esulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. 2 3 ISO Properties Inc. 2007 Page 1 of 2 IL 00 21 09 08 | 2 |
the total amount of such material in the custody of the insured at the premises where such equipment or device is lo cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation prem ises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time c Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEVADA CHANGES DOMESTIC PARTNERSHIP This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. All references to spouse shall include an individ dent of the individual s ual who is in a domestic partnership recognized ward or foster child under Nevada law. Coverage Broadene B. Under the Commercial Auto Coverage Part the Individual Endorsemer term family member is replaced by the following C. With respect to coverage f Family member means a person related to the tenance or use of cover der the Commercial Liabi 1. Individual Named Insured by blood adoption Part the term family merr marriage or domestic partnership recognized N H following under Nevada law who is a resident of such N. N Named Insured s household including a ward Family member means or foster child or by blood adoption marriag ship recognized under Ney 2. Individual named in the Schedule by blood denpt of ycur household in adoption marriage or domestic partnership child. recognized under Nevada law who is a resi dent of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Nevada law who is a resi dent of your household including a ward or foster child. IL 011501 10 Insurance Services Office Inc. 2009 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under lllinois law.. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or civil union recognized under llli nois law who is a resident of such Named In sured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized under lllinois law who is a resident of the in dividual s household including a ward or fos ter child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recog nized under lllinois law who is a resident of your household including a ward or foster child. M IL 01 47 09 11 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The provisions of Paragraph B. are added to all Insuring Agreements that set forth a duty to de fend under 1. Section I of the Commercial General Liability Commercial Liability Umbrella Employment Related Practices Liability Farm Liquor Li ability Owners And Contractors Protective Liability Pollution Liability Prod ucts Completed Operations Liability Product Withdrawal Medical Professional Liability Railroad Protective Liability Underground Storage Tank Coverage Parts and the Farm Umbrella Liability Policy 2. Section Il Liability Coverage in Paragraph A. Coverage under the Business Auto Ga rage Motor Carrier and Truckers Coverage Forms 3. Section A. Coverage under the Legal Liability Coverage Form and 4. Coverage C Mortgageholder s Liability un der the Mortgageholders Errors And Omis sions Coverage Form. If we initially defend an insured insured or pay for an insured s insured s defense but later de termine that the claims is are not covered un der this insurance we will have the right to reim bursement for the defense costs we have in curred. The right to reimbursement for the defense costs under this provision will only apply to defense costs we have incurred after we notify you in writ ing that there may not be coverage and that we are reserving our rights to terminate the defense and seek reimbursement for defense costs. IL 01 62 09 08 ISO Properties Inc. 2007 Page 1 of 1 | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. PN T4 54 01 08 Page 1 of 1 | 2 |
IMPORTANT NOTICE COMPLAINTS ILLINOIS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. If you are having problems you may contact your insurance agent directly or you may contact the company at Mail Consumer Affairs One Tower Square Hartford CT 06183 Phone 860 277 1561 or Email consumeraffairstravelers.com The address of the consumer complaint division of the lllinois Department of Insurance is Illinois Department of Insurance Consumer Division 320 W Washington St Springfield IL 62767 Complaints may also be filed electronically to the lllinois Department of Insurance at httpsinsurance.illinois.govapplicationsComplaintFormsdefault.aspx Page 1 of 1 PN T5 68 07 12 2012 The Travelers Indemnity Company. All rights reserved. | 2 |
IMPORTANT NOTICE RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT ILLINOIS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. The lllinois Religious Freedom Protection and Civil Union Act provides that persons of the same or opposite sex who enter into a civil union must be afforded the same obligations protections and legal rights as married persons. This law became effective June 1 2011 and is designed to ensure that civil unions and marriage are treated identically under lllinois law. In accordance with law this policy will be interpreted to provide the same benefits and protections to persons in a civil union or in a marriage. Page 1 of 1 PNT9 1103 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
N TRAVELERS POLICYHOLDER NOTICE LEAD Dear Policyholder Lead has become a difficult problem for society as a whole and the insurance industry in particular. As a consequence we are attaching a lead exclusion to our liability policies based upon age and occupancy of buildings. Your policy contains this exclusion. If you have questions about your insurance program please contact your agent or local Company repre sentative. PN T194 08 94 Page 1 of 1 | 2 |
NOTICE OF CHANGE IN POLICY TERMS CG D4 580713 XTEND ENDORSEMENT FOR COMMERCIAL INDUSTRIES CG D4 670713 XTEND ENDORSEMENT FOR SERVICE INDUSTRIES CG D5010713 XTEND ENDORSEMENT FOR HEALTHCARE SERVICES CG D6 310713 XTEND ENDORSEMENT FOR LABOR UNIONS YOUR NEW POLICY INCLUDES COVERAGE CHANGES FROM YOUR PREVIOUS POLICY. THE IMPORTANT CHANGES ARE IDENTIFIED IN THIS NOTICE. PLEASE READ THIS NOTICE CAREFULLY. WE ALSO MAY HAVE MADE CERTAIN WORDING AND FORMATTING CHANGES FOR THE PURPOSE OF CLARIFICATION OR IMPROVED READABILITY. THIS NOTICE DOES NOT NECESSARILY IDENTIFY ANY OR EVERY CLARIFICATION OR EDITORIAL CHANGE MADE. NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF THE POLICY PREVAIL. The XTEND endorsement previously included as part of your Commercial General Liability coverage has been replaced by a new XTEND endorsement as shown below Endorsement in Your Previous Policy Endorsement in Your New Policy International XTEND Endorsement XTEND Endorsement For Commercial Industries CG D4 58 10 08 or similar state specific version CG D4 58 07 13 or similar state specific version International XTEND Endorsement For Service XTEND Endorsement For Service Industries Industries CG D4 67 12 08 or similar state specific CG D4 67 07 13 or similar state specific version version Healthcare Services XTEND Endorsement XTEND Endorsement For Healthcare Services CG D5 01 05 09 or similar state specific version CG D5 01 07 13 or similar state specific version International XTEND Endorsement For Labor Unions XTEND Endorsement For Labor Unions CG D6 31 06 11 or similar state specific version CG D6 31 07 13 or similar state specific version The following changes reduce coverage 1. Your new policy no longer covers claims or suits made or brought outside of the United States including its territories and possessions Puerto Rico and Canada. 2. Your new policy no longer provides coverage for the reimbursement of transportation expenses that you incur in repatriating or relocating your employees who become injured or sick outside the United States including its territories and possessions Puerto Rico and Canada. Page 1 of 1 PN T9 80 07 13 2013 The Travelers Indemnity Company. All rights reserved. | 2 |
2 ZURICH Notice To Policyholder Revised Definition of Spouse California law provides that registered domestic partners have the same rights protections and benefits and are subject to the same responsibilities obligations and duties under law as are granted to and imposed upon spouses. This applies whether they derive from statutes administrative regulations court rules government policies common law or any other provisions or sources of law as are granted to and imposed upon spouses. Existing law requires where necessary to implement the rights of registered domestic partners gender specific terms referring to spouses to be construed to include domestic partners. U GU1227 A CA 0317 | 2 |
2 ZURICH Revised Definition of Spouse Endorsement THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Policyholder ECF INC. Policy No. GLO 3707241 17 Effective Date 01012020 It is hereby understood and agreed that the following changes are made and incorporated into the Policy Certificate PURPOSE California law provides that registered domestic partners have the same rights protections and benefits and are subject to the same responsibilities obligations and duties under law whether they derive from statutes administrative regulations court rules government policies common law or any other provisions or sources of law as are granted to and imposed upon spouses. Existing law requires where necessary to implement the rights of registered domestic partners gender specific terms referring to spouses to be construed to include domestic partners. DEFINITIONS TERMS CONDITIONS AND PROVISIONS The definitions terms conditions or any other provisions of the policy contract certificate andor riders and endorsements to which this mandatory endorsement is attached are hereby amended and superseded as follows Spouse includes a Registered Domestic Partner. Except for the above this endorsement does not vary alter waive or extend any of the terms of the Policy Certificate to which it is attached. EndorsementNo. 0 Insurance Company ZURICH AMERICAN INSURANCE COMPANY Date Countersigned by U GU1223 B CA 0916 | 2 |
Z ZURICH THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE OF PREMIUM RELATING TO DISPOSITION OF TRIA SCHEDULE 1 Premium attributable to risk of loss from certified acts of terrorism for lines of insurance subject to TRIA General Liability 318.00 If TRIA terminates the portion of this premium attributable to the remaining part of the policy period as modified by any change shown in 2 of this Schedule applies to the risk of loss from terrorism after the termination of TRIA. 2 Premium change upon termination of TRIA or upon applicability of a Conditional Endorsement No change unless one of the following is completed Return Premium Additional Premium If we notify you of an additional premium charge the additional premium will be due as specified in such notice. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure of Premium In accordance with the federal Terrorism Risk Insurance Act TRIA as amended we are required to provide you with a notice disclosing the portion of your premium if any attributable to the risk of loss from ter rorist acts certified under that Act for lines subject to TRIA. That portion of your premium attributable is shown in the Schedule above but may be subject to adjustment upon premium audit if applicable. B. Disclosure of Federal Participation in Payment of Terrorism Losses The United States Government may pay a share of insured losses resulting from an act of terrorism. The federal share will decrease by 5 from 85 to 80 over a five year period while the insurer share increases by the same amount during the same period. The schedule below illustrates the decrease in the federal share January 1 2015 December 31 2015 federal share 85 January 1 2016 December 31 2016 federal share 84 January 1 2017 December 31 2017 federal share 83 January 1 2018 December 31 2018 federal share 82 January 1 2019 December 31 2019 federal share 81 January 1 2020 December 31 2020 federal share 80 C. Disclosure of 100 Billion Cap on All Insurer and Federal Obligations Includes copyrighted material of IO Properties Inc. with its permission. U GU692 D CW 0120 Copyright Zurich American Insurance Company 2019 Page 1 of 2 General Liability 318.00 the following is completed U GU692 D CW 0120 Page 1 of 2 | 2 |
If aggregate insured losses attributable to terrorist acts certified under TRIA exceed 100 billion in a calendar year January 1 through December 31 and an insurer has met its deductible under the program that insurer 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 Treasury.. Availability As required by TRIA we have made available to you for lines subject to TRIA coverage for losses resulting from acts of terrorism certified under TRIA with terms amounts and limitations that do not differ materially from those for losses arising from events other than acts of terrorism. Definition of Act of Terrorism under TRIA TRIA defines act of terrorism as any act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act TRIA to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism 1. To be an act of terrorism 2. To be a violent act or an act that is dangerous to human life property or infrastructure 3. To have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. To have been 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. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA do not exceed 5000000. Possibility of Additional or Return Premium The federal program established under TRIA is scheduled to terminate at the end of December 31 2020 unless extended by the federal government. The premium attributable to the risk of loss from certified acts of terrorism coverage is calculated based on the coverage if any in effect at the beginning of your policy for certified acts of terrorism. If your policy contains a Conditional Endorsement the termination of TRIA or extension of the federal program with certain modifications as explained in that endorsement may modify the extent of coverage if any your policy provides for terrorism. If TRIA terminates or the Conditional Endorsement becomes applicable to your policy the return premium if any or additional premium if any shown in 2 of the Schedule will apply. If the level or terms of federal participation change the premium shown in 1 of the Schedule attributable to that part of the policy period extending beyond such a change may not be appropriate and we will notify you of any changes in your premium. Includes copyrighted material of ISO Propert Copyright Zurich American Insurance Compay s. Inc. with its permission. y 2019 U GU692 D CW 0120 Page 2 0f 2 | 2 |
2 ZURICH Mo ENE e K R CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM Insureds Name Policy Number Effective Endorsement Date Number ECF. INC. GLO 3707241 17 01012020 THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies your insurance A. Cap on Losses From Certified Terrorism Losses Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with provisions of the federal Terrorism Risk Insurance Act TRIA to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism 1. To be an act of terrorism 2. To be a violent act or an act that is dangerous to human life property or infrastructure 3. To have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. To have been 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. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA do not exceed 5000000. If aggregate insured losses attributable to one or more certified acts of terrorism exceed 100 billion in a calendar year January 1 through December 31 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 Treasury. B. Application of Other Exclusions The terms and limitations of a terrorism exclusion or any other exclusion or the inapplicability or omission of a terrorism exclusion or any other exclusion do not serve to create coverage which would otherwise be excluded limited or restricted under this policy. Copyright 2015 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc. with ts permission. U GU767 8 CW 0115 Page 1 of 1 | 2 |
Z ZURICH Disclosure Statement Itis our pleasure to present the enclosed policy to you for presentation to your customer. INSTRUCTION TO AGENT OR BROKER WE REQUIRE THAT YOU TRANSMIT THE ATTACHED ENCLOSED DISCLOSURE STATEMENT TO THE CUSTOMER WITH THE POLICY. Once again thank you for your interest and we look forward to meeting your needs and those of your customers. U GU873 A CW 0611 Page 1of 1 | 2 |
Z ZURICH Disclosure Statement NOTICE OF DISCLOSURE FOR AGENT BROKER COMPENSATION If you want to learn more about the compensation Zurich pays agents and brokers visit httpwww.zurichnaproducercompensation.com or call the following toll free number 866 903 1192. This Notice is provided on behalf of Zurich American Insurance Company and its underwriting subsidiaries. U GU874 ACW 0611 Page 1 of 1 | 2 |
COMMERCIAL INSURANCE Policy Number GLO 3707241 17 Named Insured and Mailing Address ECF INC. SEE NAMED INSURED ENDT 1909 WESTGATE DR COLUMBIA IL 62236 3835 Z ZURICH COMMON POLICY DECLARATIONS Renewal of Number GLO 3707241 16 Producer and Mailing Address LOCKTON COMPANIES LLC 444 W 47TH ST STE 900 KANSAS CITY MO 64112 1906 Producer Code 37385 000 Policy Period Coverage begins 01 01 2020 at 1201 AM. Coverageends 01 01 2021 at1201 AM. The name insured is Individual Partnership X Corporation Other This insurance is provided by one or more of the stock insurance companies which are members of the Zurich American Insurance Group. The company that provides coverage is designated on each Coverage Part Common Declarations. The company or companies providing this insurance may be referred to in this policy as The Company we us or our. The address of the companies of the Zurich American Insurance Group are provided on the next page. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGES GENERAL LIABILITY COVERAGE PREMIUM 32141.00 issued by ZURICH AMERICAN INSURANCE COMPANY THIS PREMIUM MAY BE SUBJECT TO AUDIT. TOTAL 32141.00 This premium does not include Taxes and Surcharges. SEE INSTALLMENT SCHEDULE Taxes and Surcharges TOTAL The Forms and Endorsements made a part of this policy at the time of issue are listed on the SCHEDULE of FORMS and ENDORSEMENTS. Countersigned this day of Authorized Representative THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PART DECLARATIONS COVERAGE PART FORMS FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. UGU D310 A 0193 Page 1 of 1 NERAL LIABILITY COVERAGE PREMIUM 32141.00 ssued by ZURICH AMERICAN INSURANCE COMPANY | 2 |
Policy Number GLO 3707241 17 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured ECF INC. Effective Date 01 01 20 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 COMMON POLICY FORMS AND ENDORSEMENTS U GU1223 B CA 09 16 REVISED DEFINITION OF SPOUSE ENDORSEMENT U GU692 D CW 01 20 DISCL OF PREM. RELATING TO DISP. OF TRIA U GU767 B CW 01 15 CAP ON LOSS FROM CERTIFIED ACTS OF TERR U GU D310 A 01 93 COMMON POLICY DECLARATIONS U GU619 A CW 10 02 SCHEDULE OF FORMS AND ENDORSEMENTS U GU319 F 01 09 IMPORTANT NOTICE IN WITNESS CLAUSE U GU621 A CW 10 02 SCHEDULE OF NAMED INSURED S U GU406 B 07 15 INSTALLMENT PREMIUM SCHEDULE U GU618 A CW 10 02 SCHEDULE OF LOCATIONS U GU1016 A CW 06 10 KNOWLEDGE BY POSITION OR DEPARTMENT IL 11 98 COMMON POLICY CONDITIONS IL 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT IL 10 13 ILLINOIS CHANGES DEFENSE COSTS IL 09 17 NORTH DAKOTA CHANGES CANC NONRENL IL 01 18 LOUISIANA CHANGES CANC NONRENL IL 3 09 08 CALCULATION OF PREMIUM U GU1191 A CW 03 15 SANCTIONS EXCLUSION ENDORSEMENT GENERAL LIABILITY FORMS AND ENDORSEMENTS U GL1446 A CW 05 10 NOTIFICATION TO OTHERS OF CANCELLATION U GL1517 B CW 04 13 RECORD OR DISTRB OF MATRL OR INFO EXCL U GL1518 A CW 04 13 BROADENED NAMED INSURED U GL851 B CW 06 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL915 C CW 08 04 FELLOW EMPLOYEE COVERAGE ENDORSEMENT U GL923 B CW 06 04 SILICA OR SILICA MIXED DUST EXCLUSION U GL925 B CW 12 01 WAIVER OF SUBROGATION BLANKET ENDT. U GL D851 B CW 09 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL D1115 B CW 09 04 COMMERCIAL GL COVERAGE PART DECLARATIONS CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COV FORM U GL1114 A CW 10 02 COMPOSITE RATE UNIT OF EXPOSURE U GL1060 E CW 04 13 CONTRACTORS LIABILITY ENDORSEMENT UGL1171ACW 07 03 FUNGI OR BACTERIA EXCLUSION U GL1175 E CW 04 12 ADL INSD A MATIC OWNR LESSEE CONTRACT U GL1177 FCW 04 13 ADL INSD OWNER LESSE CONT SCHEDULED U GL1267 A IL 05 06 ILLINOIS EXCL OF WAIVER OF KOTECKI CAP U GL1294 A CW 10 06 LIMITED OPERATIONS CONSOLIDATED WRAP UP U GL1342 A CW 10 07 LEAD LIABILITY EXCLUSION U GL1178ACW 07 03 ASBESTOS EXCLUSION ENDORSEMENT U GL872 B CW 04 09 PREMIUM REPORTS AGREEMENT COMP RATED CG 01 79 07 10 VIRGINIA CHANGES CG 02 00 01 18 IL CHANGES CANC NONRENL CG 02 20 03 12 FL CHANGES CANCELLATION NONRENEWAL U GL852 A CW 07 96 EMPL BENEFITS LIAB OCCURRENCE DED ENDT 24 10 93 EARLIER NOTICE OF CANC PROVIDED BY US 05 14 EXCL ACC DISCL OF CONFI OR PERSONAL INFO 12 07 EMPLOYMENT RELATED PRACTICES EXCLUSION 12 04 EXCL EXTERIOR INSULATION FINISH SYSTEM 04 13 EXCL CONTRACTORS PROF LIAB 10 01 CONTRACTUAL LIABILITY RAILROADS 05 09 DESIGNATED CONSTRUCTION PROJECTS GENERAL 05 09 DESIGNATED LOCATIONS GENERAL AGGREGATE U GU619 A CW 1002 GLO 3707241 17 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company amed Insured ECF INC. Effective Date 01 01 2 1201 A.M. Standard Tin DEFINITION OF SPOUSE ENDORSEMENT OF PREM. RELATING TO DISP. OF TRIA LOSS FROM CERTIFIED ACTS OF TERR POLICY DECLARATIONS LE OF FORMS AND ENDORSEMENTS NT NOTICE IN WITNESS CLAUSE LE OF NAMED INSURED S JMENT PREMIUM SCHEDULE LE OF LOCATIONS GE BY POSITION OR DEPARTMENT POLICY CONDITIONS 2 ENERGY LIABILITY EXCLUSION ENDT S CHANGES DEFENSE COSTS DAKOTA CHANGES CANC NONRENL NA CHANGES CANC NONRENL TION OF PREMIUM ONS EXCLUSION ENDORSEMENT NTS ATION TO OTHERS OF CANCELLATION OR DISTRB OF MATRL OR INFO EXCL VED NAMED INSURED E BENEFITS LIAB OCCURRENCE COV EMPLOYEE COVERAGE ENDORSEMENT OR SILICA MIXED DUST EXCLUSION OF SUBROGATION BLANKET ENDT. BENEFITS LIAB OCCURRENCE COV AL GL COVERAGE PART DECLARATIONS IAL GENERAL LIABILITY COV FORM TE RATE UNIT OF EXPOSURE TORS LIABILITY ENDORSEMENT DR BACTERIA EXCLUSION 5D A MATIC OWNR LESSEE CONTRACT 5D OWNER LESSE CONT SCHEDULED S EXCL OF WAIVER OF KOTECKI CAP OPERATIONSCONSOLIDATED WRAP UP ABILITY EXCLUSION DS EXCLUSION ENDORSEMENT 1 REPORTS AGREEMENT COMP RATED A CHANGES IGES CANC NONRENL NGES CANCELLATION NONRENEWAL CNEFITS LIAB OCCURRENCE DED ENDT R NOTICE OF CANC PROVIDED BY US C DISCL OF CONFI OR PERSONAL INFO IENT RELATED PRACTICES EXCLUSION TERIOR INSULATION FINISH SYSTEM ONTRACTORS PROF LIAB TUAL LIABILITY RAILROADS TED CONSTRUCTION PROJECTS GENERAL TED LOCATIONS GENERAL AGGREGATE A CW | 2 |
Z ZURICH Important Notice In Witness Clause In return for the payment of premium and subject to the terms of this policy coverage is provided as stated in this policy. IN WITNESS WHEREOF this Company has executed and attested these presents and where required by law has caused this policy to be countersigned by its duly Authorized Representatives. e fmpfon RV President Corporate Secretary QUESTIONS ABOUT YOUR INSURANCE Your agent or broker is best equipped to provide information about your insurance. Should you require additional information or assistance in resolving a complaint call or write to the following please have your policy or claim number ready Zurich in North America Customer Inquiry Center 1299 Zurich Way Schaumburg lllinois 60196 1056 1 800 382 2150 Business Hours 8 am 4 pm CT Email info.sourcezurichna.com e President 56 4 pm CT S 1 800 382 U GU319 F 0109 Page I of 1 | 2 |
Policy Number GLO 3707241 17 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPANY Named Insured ECF INC. Effective Date 01 01 20 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 NAMED INSURED ECF INC. ECF OFFICE HOLDINGS LLC U GU621 A CW 1002 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPAL 3LO 3707241 17 CHantive Nata A1N1T2N ECF INC. CF INC. CF OFFICE HOLDINGS LLC | 2 |
Z ZURICH INSTALLMENT PREMIUM SCHEDULE The total premium shown in the Declarations of this policy is made payable in installments on the dates and in the amounts shown below. NAMED INSURED POLICY NUMBER ENDORSEMENT NUMBER INC. GLO 3707241 17 PAYMENT DUE 010120 020120 030120 040120 050120 060120 070120 080120 090120 100120 TOTAL STANDARD PREMIUM.00.00.00.00.00.00.00.00.00.00.00 P TOTAL PREMIUM.00.00.00.00.00.00.00.00.00.00.00 Failure to pay the installment Premium by the Due Date shown shall constitute non payment of premium for which we may cancel this policy. U GU406 B 0715 | 2 |
Policy Number GLO 3707241 17 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured ECF INC. Effective Date 01 01 20 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code INO FIXED ADDRESS RTE51 N IMOWEAQUA IL 62550 Occupancy INO FIXED ADDRESS IMONTGOMERY AL 36101 INO FIXED ADDRESS PHOENIX AZ 85001 INO FIXED ADDRESS ISACRAMENTO CA 94203 INO FIXED ADDRESS IDENVER CO 80012 INO FIXED ADDRESS ISAVANNAH GA 31401 INO FIXED ADDRESS INDIANAPOLIS IN 46201 INO FIXED ADDRESS TOPEKA KS 66601 INO FIXED ADDRESS IBATON ROUGE LA 70801 INO FIXED ADDRESS ILANSING M1 48917 INO FIXED ADDRESS ISAINT PAUL PARK MN 55071 1603 S 9TH ST SAINT LOUIS MO 63104 INO FIXED ADDRESS ILINCOLN NE 68501 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370724117 4 Effective Date 01 01 20 1201 A.M. Standard Time o1 N DWEAQUA IL 62550 FIXED ADDRESS ONTGOMERY AL 36101 FIXED ADDRESS OENIX AZ 85001 FIXED ADDRESS CRAMENTO CA 94203 FIXED ADDRESS NVER CO 80012 FIXED ADDRESS VANNAH GA 31401 FIXED ADDRESS DIANAPOLIS IN 46201 FIXED ADDRESS PEKA KS 66601 FIXED ADDRESS TON ROUGE LA 70801 FIXED ADDRESS NSING M148917 FIXED ADDRESS INT PAUL PARK MN 55071 3 S 9TH ST INT LOUIS MO 63104 FIXED ADDRESS ICOLN NE 68501 | 2 |
Policy Number GLO 3707241 17 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured ECF INC. Effective Date 01 01 20 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code INO FIXED ADDRESS ISANTA FE NM 87501 Occupancy INO FIXED ADDRESS COLUMBUS OH 43085 INO FIXED ADDRESS OKLAHOMA CITY OK 73105 INO FIXED ADDRESS HARRISBURG PA 17101 INO FIXED ADDRESS INASHVILLE TN 37201 INO FIXED ADDRESS IAUSTIN TX 73301 INO FIXED ADDRESS GREENVILLE NH 03048 INO FIXED ADDRESS IMADISON WI 53701 INO FIXED ADDRESS CARSON CITY NV 89701 INO FIXED ADDRESS IDES MOINES IA 50301 INO FIXED ADDRESS FRANKFORT KY 40601 INO FIXED ADDRESS IRICHMOND VA 23173 INO FIXED ADDRESS IALBANY NY 12202 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370724117 4 Effective Date 01 01 20 1201 A.M. Standard Time NTAFE NMS7001 FIXED ADDRESS LUMBUS OH 43085 FIXED ADDRESS LAHOMA CITY OK 73105 FIXED ADDRESS RRISBURG PA 17101 FIXED ADDRESS SHVILLE TN 37201 FIXED ADDRESS STIN TX 73301 FIXED ADDRESS EENVILLE NH 03048 FIXED ADDRESS DISON W1 53701 FIXED ADDRESS RSON CITY NV 89701 FIXED ADDRESS S MOINES IA 50301 FIXED ADDRESS ANKFORT KY 40601 FIXED ADDRESS HMOND VA 23173 FIXED ADDRESS BANY NY 12202 | 2 |
Policy Number GLO 3707241 17 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured ECF INC. Effective Date 01 01 20 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Address City State Zip Code INO FIXED ADDRESS IRALEIGH NC 27611 Occupancy INO FIXED ADDRESS ISALT LAKE CITY UT 84114 INO FIXED ADDRESS IBISMARCK ND 58502 INO FIXED ADDRESS LMINGTON DE 19801 INO FIXED ADDRESS IMIAMI FL 33101 INO FIXED ADDRESS WACKSON SC 29831 INO FIXED ADDRESS ILITTLE ROCK AR 72201 INO FIXED ADDRESS BILLINGS MT 59101 INO FIXED ADDRESS CHARLESTON WV 25301 INO FIXED ADDRESS TRENTON NJ 08628 INO FIXED ADDRESS CHEYENNE WY 82001 INO FIXED ADDRESS IAUGUSTA ME 04333 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370724117 4 Effective Date 01 01 20 1201 A.M. Standard Time LEIGH NU 27611 FIXED ADDRESS LT LAKE CITY UT 84114 FIXED ADDRESS SMARCK ND 58502 FIXED ADDRESS MINGTON DE 19801 FIXED ADDRESS AMI FL 33101 FIXED ADDRESS CKSON SC 29831 FIXED ADDRESS TLE ROCK AR 72201 FIXED ADDRESS LINGS MT 59101 FIXED ADDRESS ARLESTON WV 25301 FIXED ADDRESS ENTON NJ 08628 FIXED ADDRESS EYENNE WY 82001 FIXED ADDRESS GUSTA ME 04333 | 2 |
Z ZURICH Knowledge by Position or Department Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. AddL. Prem Return Prem. GLO 3707241 17 01012020 01012021 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Business Auto Coverage Part Commercial General Liability Coverage Part Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part Railroad Protective Liability Coverage Part SCHEDULE AL MEITL PRESIDENT OWNER Position or Department The following Condition is added Knowledge By Your Employee 1. Knowledge of an accident occurrence offense injury claim suit or loss by your employee will not in and of itself be considered your knowledge of the accident occurrence offense injury claim suit or loss unless an employee who a. Holds a position or b. Is a member of a department shown in the Schedule of this endorsement receives such knowledge. 2. This endorsement does not apply unless the Schedule of this endorsement indicates at least one Position or Department. All other terms and conditions of this policy remain unchanged. U GU1016 A CW 0610 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele The first Named Insured shown in the Declarations 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 insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelof1 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 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance 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 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 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 agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. 3 IL 00 21 09 08 ISO Properties Inc. 2007 Page 10f 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 d Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL01621013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART. The provisions of Paragraph B. are added to all Insuring Agreements that set forth a duty to defend under 1. Section I of the Commercial General Liability Commercial Liability Umbrella Employment related Practices Liability Farm Liquor Liability Owners And Contractors Protective Liability Pollution Liability Products Completed Operations Liability Product Withdrawal Medical Professional Liability Railroad Protective Liability Underground Storage Tank Coverage Parts Auto Dealers Coverage Form and the Farm Umbrella Liability Policy 2. Section Il under the Auto Dealers Business Auto and Motor Carrier Coverage Forms 3. Section Ill under the Auto Dealers and Motor Carrier Coverage Forms 4. Section A. Coverage under the Legal Liability Coverage Form and 5. Coverage C Mortgageholder s Liability under the Mortgageholders Errors And Omissions Coverage Form. Paragraph B. also applies to any other provision in the policy that sets forth a duty to defend. B. If we initially defend an insured insured or pay for an insured s insured s defense but later determine that the claims is are not covered under this insurance we will have the right to reimbursement for the defense costs we have incurred. The right to reimbursement for the defense costs under this provision will only apply to defense costs we have incurred after we notify you in writing that there may not be coverage and that we are reserving our rights to terminate the defense and seek reimbursement for defense costs. IL01621013 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
IL023409 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by Paragraphs 2. and 3. below except to the extent that Item B. of this endorsement applies. 2. Policies In Effect a. For Less Than 90 Days If this policy has been in effect for less than 90 days we may cancel the policy for any reason by mailing to the first Named Insured and agent if any written notice of cancellation at least 1 10 days before the effective date of cancellation or 2 Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement. b. For 90 Days Or More Or Policies With Terms Longer Than One Year Or Continuous Policies If this policy has been in effect for 90 days or more is a renewal of a policy we issued is a policy issued for a term longer than one year or is a continuous policy we may cancel the policy only for one or more of the following reasons 1 Nonpayment of premiums 2 Misrepresentation or fraud made by the insured or with the insured s knowledge in obtaining the policy or in pursuing a claim under the policy 3 The insured s actions that have 4 5 6 substantially increased or substantially changed the risk insured The insured s refusal to eliminate known conditions that increase the potential for loss after our notification that the condition must be removed Substantial change in the risk assumed except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing the contract Loss of reinsurance which provided us with coverage for a significant amount of the underlying risk insured A determination by the insurance commissioner that the continuation of the policy could place us in violation of North Dakota insurance laws Nonpayment of dues to an association or organization other than an insurance association or organization where payment of dues is a prerequisite to obtaining or continuing such insurance. Cancellation for this reason does not apply to persons who are retired at 62 years of age or older or to any person who is disabled according to social security standards IL 0234 09 17 Insurance Services Office Inc. 2017 Page 1 of 3 | 2 |
9 A violation of any local fire health safety building or construction regulation or ordinance with respect to Covered Property or the occupancy thereof which substantially increases any hazard insured against or 10 Certain conditions exist as stated in Paragraph B. of this endorsement. We will mail written notice of cancellation to the first Named Insured and agent if any at least a Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement b 10 days before the effective date of cancellaton for nonpayment of premium or c 30 days before the effective date of cancellation for any reason stated in Paragraphs 2.b.2 through 9 above. However for policies with terms longer than one year or continuous policies notice of cancellation will be mailed at least 30 days prior to any anniversary date for any reason stated in Paragraphs 2.b.1 through 9 above. If we cancel for a reason listed in Paragraphs 2.b.1 through 9 above the notice of cancellation will state our reasons for cancellation. 3. We will mail our notice by first class mail to the first Named Insured and agent if any at the last mailing address known to us. B. We may also cancel the policy if one or more of the following conditions exist 1. Buildings with at least 65 of the rental units in the building unoccupied. 2. Buildings that have been damaged by a covered cause of loss and the insured has stated or such time has elapsed as clearly indicates that the damage will not be repaired. 3. Buildings to which following a fire permanent repairs have not commenced within 60 days following satisfactory adjustment of loss. 4. Buildings that have been unoccupied 60 or more consecutive days except buildings that have a seasonal occupancy and buildings actually in the course of construction or repair and reconstruction which are properly secured against unauthorized entry. 5. Buildings that are in danger of collapse because of serious structural conditions or those buildings subject to extremely hazardous conditions not contemplated in filed rating plans such as those buildings that are in a state of disrepair as to be dilapidated. 6. Buildings on which because of their physical condition there is an outstanding order to vacate or an outstanding demolition order or which have been declared unsafe in accordance with applicable law. 7. Buildings from which fixed and salvageable items have been or are being removed and the insured can give no reasonable explanation for the removal. 8. Buildings on which there is reasonable knowledge and belief that the property is endangered and is not reasonably protected from possible arson for the purpose of defrauding an insurer. 9. Buildings with any of the following conditions a. Failure to furnish heat water sewer service or public lighting for 30 consecutive days or more. b. Failure to correct conditions dangerous to life health or safety. c. Failure to maintain the building in accordance with applicable law. d. Failure to pay property taxes for more than one year. 10. Buildings that have characteristics of ownership condition occupancy or maintenance which are violative of law or public policy. C. The following is added and supersedes any provision to the contrary NONRENEWAL 1. If we elect not to renew this policy we will mail to the last known address of the first Named Insured shown in the Declarations and agent if any a notice of intention not to renew at least a. 60 days prior to the expiration date of the policy except as provided in Paragraph b. or b. 90 days prior to the expiration date of the policy when the policy provides professional liability coverage for legal and medical services. Page 2 0f 3 Insurance Services Office Inc. 2017 IL02340917 | 2 |
The notice of nonrenewal will state our reason for nonrenewal.. We will mail our notice by first class mail to the first Named Insured and agent if any at the last mailing address known to us.. We need not mail or deliver this notice if you have a. Insured elsewhere b. Accepted replacement coverage or c. Requested or agreed to nonrenewal. This Paragraph 3. does not apply to the Commercial Automobile Farm and Commercial Property Coverage Parts when you accept replacement coverage providing equal or more extensive coverage. IL 0234 09 17 Insurance Services Office Inc. 2017 Page 3 of 3 | 2 |
IL0277 0118 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART STANDARD PROPERTY POLICY A. Paragraph 2. of the Cancellation Common Policy b. Cancellation Of Renewal Policies And Condition is replaced by the following which applies unless Paragraph B. of this endorsement applies 2. Notice Of Cancellation a. Cancellation Of Policies In Effect For Fewer Than 60 Days Which Are Not Renewals If this policy has been in effect for fewer than 60 days and is not a renewal of a policy we issued we may cancel this policy for any reason subject to the following 1 Cancellation for nonpayment of premium We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 10 days before the effective date of cancellation. 2 Cancellation for any other reason We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 60 days before the effective date of cancellation. New Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the policy continuing the policy or in presenting a claim under the policy Activities or omissions by you which change or increase any hazard insured against Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regulation legislation or court decision Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 3 4 5 b. Cancellation Of Renewal Policies And New Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the policy continuing the policy or in presenting a claim under the policy Activities or omissions by you which change or increase any hazard insured against 4 Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regulation legislation or court decision Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 3 5 IL 02770118 Insurance Services Office Inc. 2017 Page 10f 3 | 2 |
6 The insured s violation or breach of any policy terms or conditions or 7 Any other reasons that are approved by the Commissioner of Insurance. We will mail or deliver written notice of cancellation under Paragraph A.2.b. to the first Named Insured at least a 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs A.2.b.2 through 7 above. B. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following which applies with respect to premium payments due on new and renewal policies including installment payments 2. Notice Of Cancellation a. If your premium payment check or other negotiable instrument is returned to us or our agent or a premium finance company because it is uncollectible for any reason we may cancel the policy subject to Paragraphs B.2.b. and B.2.c. b. We may cancel the policy effective from the date the premium payment was due by sending you written notice by certified mail or by delivering such notice to you within 10 days of the date that we receive notice of the returned check or negotiable instrument. c. The cancellation notice will also advise you that the policy will be reinstated effective from the date the premium payment was due if you present to us a cashier s check or money order for the full amount of the returned check or other negotiable instrument within 10 days of the date that the cancellation notice was mailed. C. With respect to the Coverage Parts and Policies to which this endorsement applies except the Equipment Breakdown Coverage Part Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund If this policy is cancelled we will return any premium refund due subject to Paragraphs C.5.a. C.5.b. C5.c. C.5d. and C.5.e. The cancellation will be effective even if we have not made or offered a refund. a. If the first Named Insured cancels the refund will not be less than 90 of the pro rata unearned premium rounded to the next higher whole dollar. The refund will be returned within 30 days after the effective date of cancellation. We will send the refund to the first Named Insured and any mortgagee that has provided us with written notice of the percentage of the premium being funded with the mortgagee s own funds. The percentage of the unearned premium attributable to the mortgagee shall be returned to the mortgagee and the percentage of the unearned premium attributable to the first Named Insured shall be returned to the first Named Insured. b. If we cancel the refund will be pro rata and we will send the refund to the first Named Insured unless Paragraph C.5.c. or C.5.d. applies. c. If we cancel based on Paragraph B.2. of this endorsement we will return the premium due if any within 10 days after the expiration of the 10 day period referred to in B.2.c. If the policy was financed by a premium finance company or if payment was advanced by the insurance agent we will send the return premium directly to such payor. d. With respect to any cancellation of the Commercial Auto Coverage Part we will send the return premium if any to the premium finance company if the premium was financed by such company. e. When return premium payment is sent to the premium finance company or the agent of the insured we will provide notice to you at the time of cancellation that a return of unearned premium may be generated by the cancellation. D. With respect to the Equipment Breakdown Coverage Part Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund If this policy is cancelled we will return any premium refund due subject to Paragraphs D.5.a. D.5.b. D.5.c. D.5.d. and D.5.e. The cancellation will be effective even if we have not made or offered a refund. a. If we cancel the refund will be pro rata. Page 2 0f 3 Insurance Services Office Inc. 2017 IL0277 0118 | 2 |
b. If the first Named Insured cancels the refund will not be less than 75 of the pro rata unearned premium rounded to the next higher whole dollar. The refund will be returned within 30 days after the effective date of cancellation. c. We will send the refund to the first Named Insured unless Paragraph D.5.d. applies. d. If we cancel based on Paragraph B.2. of this endorsement we will return the premium due if any within 10 days after the expiration of the 10 day period referred to in B.2.c. If the policy was financed by a premium finance company or if payment was advanced by the insurance agent we will send the return premium directly to such payor. e. When return premium payment is sent to the premium finance company or the agent of the insured we will provide notice to you at the time of cancellation that a return of unearned premium may be generated by the cancellation. E. The Premiums Common Policy Condition is replaced by the following Premiums 1. The first Named Insured shown in the Declarations is responsible for the payment of all premiums. 2. We will pay return premiums if any to the first Named Insured unless another person or entity is entitled to be the payee in accordance with Paragraph C. or D. of this endorsement. F. Paragraph f. of the Mortgageholders Condition in the Commercial Property Coverage Part Standard Property Policy and the Capital Assets Program Output Policy Coverage Part and Paragraph 4.f. of the Mortgageholders Condition in the Farm Coverage Part are replaced by the following If we cancel a policy that has been in effect for fewer than 60 days and is not a renewal of a policy we issued we will give written notice to the mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 60 days before the effective date of cancellation if we cancel for any other reason. If we cancel a policy that has been in effect for 60 days or more or is a renewal of a policy we issued we will give written notice to the mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. G. The following is added and supersedes any other provision to the contrary Nonrenewal 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 60 days before its expiration date or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date. 2. We need not mail or deliver this notice if a. We or another company within our insurance group have offered to issue a renewal policy or b. You have obtained replacement coverage or have agreed in writing to obtain replacement coverage. 3. Any notice of nonrenewal will be mailed or delivered to the first Named Insured mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at the last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. 4. Such notice to the insured shall include the insured s loss run information for the period the policy has been in force within but not to exceed the last three years of coverage. IL 02770118 Insurance Services Office Inc. 2017 Page 30f 3 | 2 |
IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was com puted based on rates in effect at the time the policy was issued. On each renewal continuation or anni versary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 ISO Properties Inc. 2007 Page 10f 1 m | 2 |
Z ZURICH SANCTIONS EXCLUSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY The following exclusion is added to the policy to which it is attached and supersedes any existing sanctions language in the policy whether included in an Exclusion Section or otherwise SANCTIONS EXCLUSION Notwithstanding any other terms under this policy we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured beneficiary or third party who may have any rights under this policy to the extent that such cover payment service benefit or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation. The term policy may be comprised of common policy terms and conditions the declarations notices schedule coverage parts insuring agreement application enrollment form and endorsements or riders if any for each coverage provided. Policy may also be referred to as contract or agreement. We may be referred to as insurer underwriter we us and our or as otherwise defined in the policy and shall mean the company providing the coverage. Insured may be referred to as policyholder named insured covered person additional insured or claimant or as otherwise defined in the policy and shall mean the party person or entity having defined rights under the policy. These definitions may be found in various parts of the policy and any applicable riders or endorsements. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED U GU1191 A CW 0315 Page I of 1 | 2 |
Z4 ZURICH Notice to Indiana Policyholders Regarding Filing Complaints with the Department of Insurance Questions regarding your policy or coverage should be directed to Customer Inquiry Center Zurich North America 1299 Zurich Way Schaumburg IL 60196 800 382 2150 If you a need the assistance of the governmental agency that regulates insurance or b have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail telephone or email State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street Suite 300 Indianapolis Indiana 46204 Consumer Hotline 800 622 4461 317 232 2395 Complaints can be filed electronically at www.in.govidoi. U GU102C 0909 Page 1of 1 | 2 |
Z4 ZURICH Important Notice to Arkansas Policyholders Inquiries concerning your policy should be directed to your insurance agent if one is involved at the name address and telephone number shown on the policy andor in the material accompanying the policy. If you have additional questions you may contact Zurich North America Commercial at the following address and telephone number Customer Inquiry Center Zurich North America Commercial 1299 Zurich Way Schaumburg IL 60196 1 800 382 2150 If you require additional information you may contact the Arkansas Insurance Department at either the following address or phone number Arkansas Insurance Department 1200 West Third Street Little Rock Arkansas 72201 1904 Telephone 501 371 2640 or 800 852 5494 U GU108 C 1109 Page 1of 1 | 2 |
Z4 ZURICH Ilinois Consumer Complaint Notice This notice is to advise you that should any complaints arise concerning this insurance you may contact the following Consumer Inquiry Center Zurich North America 1299 Zurich Way Schaumburg IL 60196 1056 The address of the consumer complaint section of the lllinois Department of Insurance is Illinois Department of Insurance Consumer Division Springfield IL 62767 U GU123H 0709 Page 10f 1 | 2 |
Z4 ZURICH Important Notice to Florida Policyholders In the event you need to contact someone about this policy for any reason please contact your agent. If you have additional questions you may contact the Zurich U.S. office at the following address and telephone number Customer Inquiry Center Zurich North America 1299 Zurich Way Schaumburg IL 60196 800 382 2150 If you have been unable to contact or obtain satisfaction from your agent or company you may contact the Florida Office of Insurance Regulation at Office of Insurance Regulation 200 East Gaines Street Tallahassee Florida 32399 850 413 3140 ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. U GU395 D 0709 Page 10f 1 | 2 |
Z ZURICH Important Notice Texas Safety Consultation Services Zurich in North America has loss control services available at no additional charge. If you would like additional information regarding these services please contact us at the address or phone listed below. Zurich Services Corporation Risk Engineering 1299 Zurich Way Schaumburg lllinois 60196 1056 1 800 982 5964 By email risk.engineeringzurichna.com LC373 D TX 1117 Page 1 of 1 | 2 |
Z ZURICH Hlinois Civil Union Act Policyholder Notice On June 1 2011 Public Act 96 1513 the Religious Freedom Protection and Civil Union Act the Act became effective. Under the Act both same sex and opposite sex couples may enter into a civil union. A party to a civil union is entitled to the same legal obligations responsibilities protections and benefits as are afforded or recognized by the law of lllinois a spouse whether they derive from statute administrative rule common law or any other source of civil or criminal law. A marriage between persons of the same sex a civil union or a substantially similar legal relationship other than common law marriage legally entered into in another jurisdiction shall be legally recognized in lllinois as a civil union. CAUTION FEDERAL LAW RIGHTS MAY OR MAY NOT BE AVAILABLE llinois law grants parties to a civil union the same benefits protections and responsibilities that flow from marriage under state law. However some or all of the benefits protections and responsibilities related to health insurance that are available to married persons under federal law may not be available to parties to a civil union. For example the Employee Retirement Income Security Act of 1974 a federal law known as ERISA controls the employer employee relationship with regard to determining eligibility for enrollment in private employer health benefit plans. Because of ERISA Act 91 does not state requirements pertaining to a private employer s enrollment of a party to a civil union in an ERISA employee welfare benefit plan. However governmental employers not federal government are required to provide health benefits to the dependents of a party to a civil union if the public employer provides health benefits to the dependents of married persons. Federal law also controls group health insurance continuation rights under COBRA for employers with 20 or more employees as well as the Internal Revenue Code treatment of health insurance premiums. As a result parties to a civil union and their families may or may not have access to certain benefits under this policy contract certificate rider or endorsement that derive from federal law. You are advised to seek expert advice to determine your rights. U GU1110 B IL 1011 Pagel of 1 | 2 |
Z ZURICH Colorado Civil Union Act Policyholder Notice On January 1 2014 the Civil Union Act the Act becomes effective. Under the Act two persons of the same sex may enter into a civil union. A party to a civil union is entitled to the same legal obligations responsibilities protections and benefits as are afforded or recognized by the law of Colorado to a spouse whether they derive from statute administrative rule common law or any other source of civil or criminal law. The Act further provides that a party to a civil union shall be included in any definition or use of the term dependent family heir immediate family next of kin spouse and other terms that denote a familial or spousal relationship. A marriage between persons of the same sex a civil union domestic partnerships or a substantially similar legal relationship legally entered into in another jurisdiction shall be legally recognized in Colorado as a civil union. U GU1169 A CO 0613 Page I of 1 | 2 |
Z ZURICH Notification to Others of Cancellation Policy No. ET. Date of Pol. Exp. Date of Pol. Ef. Date of End. Producer No. AddL. Prem Return Prem. GLO 3707241 17 01012020 01012021 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part A. If we cancel this Coverage Parts by written notice to the first Named Insured for any reason other than nonpayment of premium we will mail or deliver a copy of such written notice of cancellation 1. To the name and address corresponding to each person or organization shown in the Schedule below and 2. Atleast 10 days prior to the effective date of the cancellation as advised in our notice to the first Named Insured or the longer number of days notice if indicated in the Schedule below. B. If we cancel this Coverage Parts by written notice to the first Named Insured for nonpayment of premium we will mail or deliver a copy of such written notice of cancellation to the name and address corresponding to each person or organization shown in the Schedule below at least 10 days prior to the effective date of such cancellation. C. If notice as described in Paragraphs A. or B. of this endorsement is mailed proof of mailing will be sufficient proof of such notice. SCHEDULE Name and Address of Other Persons Organizations Drsllzizg JEBRO INC. 2303 BRIDGEPORT DR. SIOUX CITY IOWA 5111 45 All other terms and conditions of this policy remain unchanged. 303 BRIDGEPORT DR. IOUX CITY IOWA 5111 nan nan nan nan 45.0 nan nan nan nan 45.0 U GL1446 A CW 0510 Page 1of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Recording And Distribution Of Material Or Information In Violation Of Law Exclusion Policy No. ET. Date of Pol. Exp. Date of Pol. Ef. Date of End. Producer No. AddL. Prem Return Prem. GLO 3707241 17 01012020 01012021 37385000 INCL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. Exclusion q. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to q. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage directly or indirectly arising out of or based upon 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 Transaction 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 or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. B. Exclusion p. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability is replaced by the following 2. Exclusions This insurance does not apply to p Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury directly or indirectly arising out of or based upon 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 Transaction Act FACTA or U GL1517 B CW 0413 Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
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 or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. All other terms and conditions of this policy remain unchanged. U GL1517 B CW 0413 Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Broadened Named Insured Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. The following is added to Section Il Who Is An Insured 1. 3. Any current organization of yours other than a partnership joint venture or limited liability company which is not shown in the Declarations will qualify as a Named insured if a. Such entity has been incorporated or organized prior to the effective date of this policy under the laws of the United States of America including its territories and possessions Puerto Rico or Canada and b. You maintain ownership or majority interest in such organization as of the effective date of this Coverage Part. Coverage is afforded only until the 1g0th day after inception of our policy or the end of the policy period whichever is earlier unless you notify and provide information to us before the end of this timeframe as to the nature and operations of such organization. With regard to any terminated partnership or joint venture not shown in the Declarations you are an insured as respects the products completed operations hazard only for bodily injury or property damage arising out of such terminated partnership or joint venture. The insurance provided by this provision will not inure to the benefit of any party except you. To the extent only that coverage is provided in Paragraph A.2. above for organizations not shown in the Declarations the last sentence under Section Il Who Is An Insured does not apply. B. Paragraph 3. of Section Il Who Is An Insured is replaced by the following 3. Any organization you newly acquire or form during the policy period other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest in such organization 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 1g0th 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. C. Solely with respect to Paragraphs A. and B. of this endorsement the following is added to Paragraph b. Excess Insurance of Paragraph 4. Other Insurance under Section IV Commercial General Liability Conditions after Paragraphs ai through aiv b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis v Thatis or was purchased to insure UGL1518 A CW 0413 Page 1 0f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
aa Your participation in a partnership or joint venture which terminated or ended prior to the effective date of this policy or bb An organization not shown as a Named Insured at inception of our policy to the extent such organization is an insured as described in Paragraphs A. and B. of this endorsement. All other terms and conditions of this policy remain unchanged. UGL1518 A CW 0413 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Policyholder Notice General Liability Access Or Disclosure Of Confidential Or Personal Information Exclusions This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is a conflict between the Policy and this Notice THE PROVISIONS OF THE POLICY SHALL PREVAIL. Carefully read your policy including the endorsements attached to your policy. This Notice provides information concerning the following new endorsements which applies to your renewal policy being issued by us CG 21 06 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Under Coverage B Personal And Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. CG 21 07 05 14 Exclusion Access or Disclosure of Confidential or Personal Information and Data related Liability Limited Bodily Injury Exception Not Included For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Coverage is also excluded for damages because of bodily injury arising out of loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This is a reduction of coverage. Under Coverage B Personal and Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction of coverage. CG 21 08 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information Coverage B Only For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. U GL2110 A CW 0115 Page 10f 2 | 2 |
CG 04 37 05 14 Electronic Data Liability For Use With The Commercial General Liability Coverage Part With respect to damages arising out of any access to or disclosure of any person s or organization s confidential or personal information when this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Under Coverage B Personal And Advertising injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction of coverage. CG 33 53 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Owners and Contractors Protective Liability Coverage Part and Products Completed Operations Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. CG 33 59 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Limited Bodily Injury Exception Not Included For Use With The Owners And Contractors Protective Liability and Products Completed Operations Liability Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Coverage is also excluded for damages because of bodily injury arising out of loss loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This is a reduction of coverage. U GL2110 A CW 0115 Page 2 of 2 | 2 |
Employee Benefits Liability Occurrence Coverage Form Z ZURICH This Coverage Form provides occurrence coverage. Please read the entire form carefully. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declara tions. The words we us and our refer to the Company providing this insurance. Other words and phrases that appear in quotes have special meaning. Refer to the Definitions Section. Section I. Coverage Employee Benefit Liability 1. 2. Insuring Agreement A. We will pay those sums that the insured becomes legally obligated to pay as damages because of any act error or omission of the insured in the ad ministration of the insured s employee benefit programs. We will have the right and duty to de fend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for any act error or omission for which this insurance does not apply. We may at our discretion investi gate any claim and settle any suit that may result but 1. The amount we pay for damages is limited as described in Section II. Limits of Insurance of this Coverage Part 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 un der this Employee Benefit Liability coverage. No other obligation or liability to pay sums or per form acts or services is covered unless explicitly provided for under Supplementary Payments of this Coverage Part. This only if surance applies to an act error or omi 1. The act error or omission takes place in the coverage territory 2. The insured had no knowledge of and could not have reasonably forescen any circum stances which might result in a claim or suit and 3. The act error or omi policy period. on occurs during the Exclusions This insurance does not apply to any G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation. Any claim or suit arising out of an insurer s or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured.. Any claim or suit arising out of an Insured s liability as a fiduciary under G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation Any claim or suit arising out of an insure or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured. Any claim or suit arising out of an Insured s liability as a fiduciary under U GL851 B CW 604 Page 10f4 | 2 |
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