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IL0117 1210 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES WORKERS COMPENSATION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY B. For insurance provided under the Commercial Automobile Coverage Part the following is added to the Workers Compensation Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compensation statutes arising out of the failure of the insured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. C. For insurance provided under the Farm Liability Coverage Form and Farm Umbrella Liability Policy the following is added to the Workers Compensation Or Similar Law Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compensation statutes arising out of the failure of the insured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. A. For insurance provided under the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment Related Practices Liability Coverage Part Liquor Liability Coverage Part Medical Professional Liability Coverage Part Owners And Contractors Protective Liability Coverage Part Pollution Liability Coverage Part Products Completed Operations Liability Coverage Part Railroad Protective Liability Coverage Part Underground Storage Tank Policy The following is added to the Workers Compensation And Similar Laws Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compensation statutes arising out of the failure of the insured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. Insurance Services Office Inc. 2010 Page 1 of 1 IL0117 1210 | 2 |
INTERLINE IL 09 13 04 98 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INSURANCE INSPECTION SERVICES EXEMPTION FROM LIABILITY THE FOLLOWING LIMITS OUR LIABILITY We the insurance company our agents employees or service contractors are not liable for damages from injury death or loss occurring as a result of any act or omission in the furnishing of or the failure to furnish insur ance inspection services related to in connection with or incidental to the issuance or renewal of a policy of prop erty or casualty insurance. This exemption from liability does not apply A. If the injury loss or death occurred during the actual performance of inspection services and was proximately caused by our negligence or by the negligence of our agents employees or service contractors B. To any inspection services required to be performed under the provisions of a written service contract or defined loss prevention program C. In any action against us our agents employees or service contractors for damages proximately caused by our acts or omissions which are determined to constitute a crime actual malice or gross negligence or D. If we fail to provide this written notice to the insured whenever the policy is issued or when new policy forms are issued upon renewal. Copyright Insurance Services Office Inc. 1997 Page 1 of 1 IL 0913 04 98 | 2 |
IL 0276 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IOWA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is re placed by the following CANCELLATION 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliver ing to us advance written notice of cancellation.. Cancellation Requirements a. We may cancel this policy by mailing or de livering to the first Named Insured and any loss payee written notice of cancellation at least 1 30 days before the effective date of can cellation if we cancel due to loss of rein surance coverage 2 10 days before the effective date of can cellation if we cancel for any other reason. b. If this policy is a new policy and has been in effect for less than 60 days we may cancel for 1 Loss of reinsurance subject to d. below or 2 Any other reason. c. 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 Misrepresentation or fraud made by or with your knowledge in obtaining the policy when renewing the policy or in presenting a claim under the policy 3 Acts or omissions by you that substan tially change or increase the risk insured Determination by the Commissioner that the continuation of the policy would jeop ardize our solvency or would place us in violation of the insurance laws of this or any other state 5 You have acted in a manner which you knew or should have known was in viola tion or breach of a policy term or condition or 6 Loss of reinsurance subject to d. below. 4. We may cancel due to loss of reinsurance which provides coverage to us for a signific ant portion of the underlying risk insured but only if the Commissioner determines that such cancellation is justified. 1SO Properties Inc. 2007 Page 1 of 2 IL 0276 09 08 | 2 |
. We will mail or deliver our notice to the first Named Insured s and any loss payee s last mail ing address known to us.. Notice of cancellation will state a. The reason for cancellation and b. The effective date of cancellation. The policy period will end on that date.. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund.. If notice is mailed a post office department certi ficate of mailing is proof of receipt of notice. However if cancellation is for nonpayment of premium a certificate of mailing is not required. B. 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 and any loss payee at least 45 days before the expiration date of this policy except if a. We have offered to issue a renewal policy or b. You have failed to pay a premium due or any advance premium required by us for renewal.. If notice is mailed a post office department certi ficate of mailing is proof of receipt of notice. Page 2 of 2 1SO Properties Inc. 2007 IL 02 76 09 08 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS AND OKLAHOMA CHANGES TRANSFER OF RIGHTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. Condition 8. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Section V does not apply to COVERAGE C. MEDICAL PAYMENTS. CG 01091185 Copyright Insurance Services Office Inc. 1984 Page 1 of 1 | 2 |
IL 02 61 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following A CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2.a. We may cancel this policy by mailing or deliver ing to the first Named Insured written notice of cancellation stating the reasons for cancellation at least 1 10 days before the effective date of cancel lation if we cancel for nonpayment of premium. 2 30 days before the effective date of cancel lation if we cancel for any other reason. b. If this policy has been in effect for 90 days or more or if it is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 This policy was issued because of material misrepresentation 3 You or any other insured violated any of the material terms and conditions of this policy 4 Unfavorable underwriting factors specific to you exist that were not present at the in ception of this policy 5 A determination by the insurance commis sioner that continuation of coverage could place us in a hazardous financial condition or in violation of the laws of Kansas or 6 A determination by the insurance commis sioner that we no longer have adequate re insurance to meet our needs. B. The following is added and supersedes any condi tion to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 60 days prior to the ex piration of the policy. 2. Any notice of nonrenewal will be mailed or de livered to the first Named Insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. 1SO Properties Inc. 2006 Page 1 of 1 IL 02 6109 07 | 2 |
IL 02 63 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KENTUCKY CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Cancellation Of Policies In Effect For 60 Days Or Less If this policy has been in effect for 60 days or less we may cancel this policy by mailing or de livering to the first Named Insured written notice of cancellation stating the reason for cancellation at least 14 days before the effect i ve date of cancellation. B. The following is added to the Cancellation Com mon Policy Condition 7. Cancellation Of Policies In Effect For More Than 60 Days a. If this policy has been in effect for more than 60 days or is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 Discovery of fraud or material misrepres entation made by you or with your know ledge in obtaining the policy continuing the policy or in presenting a claim under the policy 3 4 5 6 Y Discovery of willful or reckless acts or omissions on your part which increase any hazard insured against The occurrence of a change in the risk which substantially increases any hazard insured against after insurance coverage has been issued or renewed A violation of any local fire health safety building or construction regulation or or dinance with respect to any insured prop erty or the occupancy thereof which sub stantially increases any hazard insured against We are unable to reinsure the risk covered by the policy or A determination by the commissioner that the continuation of the policy would place us in violation of the Kentucky in surance code or regulations of the commissioner. 1SO Properties Inc. 2007 Page 1 of 2 IL 02 63 09 08 | 2 |
b. If we cancel this policy based on Paragraph 7.a. above we will mail or deliver a written notice of cancellation to the first Named Insured stating the reason for cancellation at least 1 14 days before the effective date of the cancellation if cancellation is for nonpay ment of premium or 2 75 days before the effective date of the cancellation if cancellation is for any reason stated in 7.a.2 through 7.a.7 above. C. The following is added and supersedes any provi sion to the contrary NONRENEWAL 1. 2. For the purpose of this Condition a. Any policy period or term of less than six months shall be considered to be a policy period or term of six months and b. Any policy period or term of more than one year or any policy with no fixed expiration date shall be considered a policy period or term of one year. If we elect not to renew this policy we will mail or deliver written notice of nonrenewal stating the reason for nonrenewal to the first Named In sured shown in the Declarations at the last mail ing address known to us at least 75 days be fore the expiration date of the policy period.. If notice of nonrenewal is not provided pursuant to this Condition coverage under the same terms and conditions shall be deemed to be re newed for the ensuing policy period upon pay ment of the appropriate premium until you have accepted replacement coverage with another insurer or until you have agreed to the nonrenewal.. If we mail or deliver a renewal notice to the first Named Insured at least 30 days before the end of the policy period stating the renewal premi um and its due date the policy will terminate without further notice unless the renewal premi um is received by us or our authorized agent by the due date.. If this policy terminates because the renewal premium has not been received by the due date we will within 15 days mail or deliver to the first Named Insured at his last known ad dress a notice that the policy was not renewed and the date it was terminated.. If notice is mailed proof of mailing is sufficient proof of notice. Page 2 of 2 1SO Properties Inc. 2007 IL 02 63 09 08 | 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 b. Cancellati Policy Condition is replaced by the following New Polic which applies unless Paragraph B. of this More endorsement applies If this poli 2. Notice Of Cancellation or more a. Cancellation Of Policies In Effect For issued we Fewer Than 60 Days Which Are Not of the follo Renewals 1 Nonpay If this policy has been in effect for fewer 2 Fraud than 60 days and is not a renewal of a made policy we issued we may cancel this with th policy for any reason subject to the the po following presen 1 Cancellaton for nonpayment of 3 Activitie premium change We may cancel this policy by mailing or against delivering to the first Named Insured 4 Change written notice of cancellation at least 10 risk of days before the effective date of this p cancellation. exposu 2 Cancellation for any other reason or cour We may cancel this policy by mailing or Pelerm delivering to the first Named Insured SIaf written notice of cancellation at least 60 EVOOL days before the effective date of cancellation. insuran b. Cancellation Of Renewal Policies And es In Effect For 60 Days Or 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 5 Insurance Services Office Inc. 2017 Page 10f 3 IL0277 0118 | 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. C.5.c C.5.d. 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 of 3 Insurance Services Office Inc. 2017 IL0277 0118 | 2 |
. 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.. We will send the refund to the first Named Insured unless Paragraph D.5.d. applies.. 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.. 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.. 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.. 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.. 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.. 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. Insurance Services Office Inc. 2017 Page 3 0of 3 IL0277 0118 | 2 |
COMMERCIAL GENERAL LIABILITY CG 321004 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES 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 Liability 2. Exclusions This insurance does not apply to FUNGI OR BACTERIA a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened inhalation of ingestion of con tact with exposure to existence of or pres ence of any fungi or bacteria on or with in 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. b. Any loss cost or expenses arising out of the abating testing for monitoring clean ing up removing containing treating detoxifying neutralizing remediating or dis posing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consumption. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Person I And Advertising Injury Liability 2. Exclusions C. Tl il This insurance does not apply to FUNGI OR BACTERIA a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threatened inhalation of ingestion of con tact with exposure to existence of or pres ence of any fungi or bacteria on or with in 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. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or dis posing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. he following definitions are added to the Defini ions Section 1. Bacteria means any type kind or form of 2. bacterium. 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. 1age which wvhole or in alleged or ion of con of or pres on or with cluding its r any other uct contrib equence to ising out of ring clean g treating ating or dis nding to or fungi or y any other 1 CG 32100405 1SO Properties Inc. 2005 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01250303 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES INSURING AGREEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraph 1.a. of Section Coverages Cover B. Paragraph 1.a. of Section Coverages Cover age A Bodily Injury And Property Damage Li age B Personal And Advel ng Injury Liabil ability is replaced with the following ity is replaced with the following 1. Insuring Agreement 1. Insuring Agreement a. We will pay those sums that the insured be a. We will pay those sums that the insured be comes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Lim its 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 Coverage A or B or medical expenses under Coverage C. However using up the Medical Ex pense Limit does not end our right and duty to defend. No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments Coverages A and B. comes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the in sured against any suit seeking those damages. We may at our discretion invest igate 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 Lim its 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 Coverages A or B or medical expenses under Coverage C. However using up the Medical Ex pense Limit does not end our right and duty to defend. No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments Coverages A and B. CG 01250303 1SO Properties Inc. 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01181204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES LEGAL ACTION AGAINST US 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 RAILROAD PROTECTIVE LIABILITY COVERAGE PART The Legal Action Against Us Condition Section IV Conditions is replaced by the following. Legal Action Against Us A person or organization may bring a suit against us including but not limited to a suit to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. CG01181204 ISO Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26841204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US CONDITION 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 COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The Transfer Of Rights Of Recovery Against Oth ers To Us Condition Section IV Conditions is re placed by the following TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US In the event of any payment under this Coverage Part we will be entitled to the insured s rights of re covery against any person or organization and the in sured will do whatever is necessary to secure such rights. Our right to recover is subordinate to the insured s right to be fully compensated. CG 26841204 1SO Properties Inc. 2003 Page 1 of 1 | 2 |
IL 0247 02 11 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MAINE CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. 4. and 6. of the Cancellation Common Policy Condition are replaced by the following 2. We may cancel this policy by mailing or delivering written notice of cancellation to the first Named Insured. If we cancel cancellation will not be effective prior to 10 days after the receipt by the first Named Insured of the notice of cancellation. 4. Notice of cancellation to the first Named Insured will state the effective date of and reasons for cancellation. The policy period will end on that date. 6. A post office certificate of mailing to the first Named Insured at the last known mailing address will be conclusive proof of receipt of notice on the third calendar day after mailing. B. If this policy has been in effect for 60 days or more or if it is a renewal or continuation of a policy issued by us the following is added to the Cancellation Common Policy Condition and supersedes any other provisions to the contrary 7. We may cancel this policy only for one or more of the following reasons a. Nonpayment of premium. Fraud or material misrepresentation made by you or with your consent in obtaining the policy continuing the policy or in presenting a claim under the policy. Substantial change in the risk which increases the risk of loss after insurance coverage has been issued or renewed including but not limited to an increase in exposure due to regulation legislation or court decision. Failure to comply with reasonable loss control recommendations. Substantial breach of contractual duties conditions or warranties or. Determination by the superintendent of insurance that the continuation of a class or block of business to which the policy belongs will jeopardize our solvency or will place us in violation of the insurance laws of Maine or any other state. Insurance Services Office Inc. 2010 Page 1 of 2 IL 0247 02 11 | 2 |
C. The following is added and supersedes any other provision to the contrary Nonrenewal If we decide not to renew this policy we will mail or deliver notice of nonrenewal to the first Named Insured. Nonrenewal will not be effective prior to 30 days after the receipt by the first Named Insured of the notice of nonrenewal. A post office certificate of mailing to the first Named Insured at the last known mailing address will be conclusive proof of receipt of notice on the third calendar day after mailing. D. With respect to Physical Damage Coverage provided under the Commercial Automobile Coverage Part we will provide like notice of cancellation or nonrenewal to any loss payee named in the policy. Page 2 of 2 Insurance Services Office Inc. 2010 IL 02 47 02 11 | 2 |
COMMERCIAL GENERAL LIABILITY CG 02011217 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MARYLAND CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following 2. When this Policy has been in effect for 45 days 3 A matter or issue related to the risk that constitutes a threat to public safety. If we cancel pursuant to Paragraph 3.b. or less and is not a renewal policy we may cancel this Coverage Part by mailing to the first Named Insured at the last mailing address you may request additional information on the reason for cancellation within 30 days from the date of our notice. known to us written notice of cancellation stating the reason for cancellation at least B. Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following a. 10 days before the effective date of 5. If this Policy is cancelled we will send the first cancellation if we cancel for nonpayment of Named Insured any premium refund due premium. a. The refund will be pro rata if 1 We cancel or 2 The Policy is not a renewal policy and the first Named Insured cancels upon receiving written notice that we recalculated the premium based on the discovery of a material risk factor during the first 45 days the Policy has been in b. 15 days before the effective date of cancellation if we cancel because the risk does not meet our underwriting standards. 3. When this Policy has been in effect for more than 45 days or is a renewal policy we may cancel this Policy by mailing to the first Named Insured at the last mailing address known to us written notice of cancellation at least a. 10 days before the effective date of effecjl cancellation if we cancel for nonpayment of b. If the first Named Insured cancels other premium. than the cancellation described in Paragraph a.2 the refund will be calculated as follows 1 Policies Written For One Year Or Less We will refund 90 of the pro rata b. 45 days before the effective date of cancellation if we cancel for a permissible reason other than nonpayment of premium stating the reason for cancellation. Under this Paragraph b. we may cancel only for unearned premium. one or more of the following reasons 2 Policies Written For More Than One 1 When there exists material Year misrepresentation or fraud in connection with the application policy or presentation of a claim. 2 A change in the condition of the risk that results in an increase in the hazard insured against. a If the Policy is cancelled in the first year we will refund 90 of the pro rata unearned premium for the first year plus the full annual premium for subsequent years. If the Policy is cancelled after the first year we will refund the pro rata unearned premium. b CG 02011217 Insurance Services Office Inc. 2017 Page 1 of 2 | 2 |
3 Continuous And Annual Premium Payment Policies We will refund 90 of the pro rata unearned premium for the year in which the Policy is cancelled. We will retain the minimum premium except if the Policy is cancelled as of the inception date. However if this Policy is financed by a premium finance company and we or the premium finance company or the first Named Insured cancels the Policy the refund will consist of the gross unearned premium computed pro rata excluding any expense constant administrative fee or nonrefundable charge filed with and approved by the insurance commissioner. The cancellation will be effective even if we have not made or offered a refund. C. Paragraph 6. of the Cancellation Common Policy Condition is replaced by the following 6. We will send notice of cancellation to the first Named Insured by a first class mail tracking method if a. We cancel for nonpayment of premium or b. This Policy is not a renewal of a policy we issued and has been in effect for 45 days or less. We will send notice to the first Named Insured by a first class mail tracking method or by commercial mail delivery service if we cancel for a reason other than nonpayment of premium and this Policy a. Is arenewal of a policy we issued or b. Has been in effect for more than 45 days. We will maintain proof of mailing in a form authorized or accepted by the United States Postal Service or by other commercial mail delivery service when such service is used. Proof of mailing will be sufficient proof of notice. D. The following condition is added and supersedes any provisions to the contrary When We Do Not Renew 1. We may elect not to renew this Policy by mailing notice of nonrenewal to the first Named Insured at the last mailing address known to us at least 45 days before the expiration date of this Policy. 2. We will send notice of nonrenewal to the first Named Insured by a first class mail tracking method or by commercial mail delivery service. We will maintain proof of mailing in a form authorized or accepted by the United States Postal Service or by other commercial mail delivery service when such service is used. Proof of mailing will be sufficient proof of notice. 3. When we elect not to renew a policy that has been in effect for more than 45 days for a reason other than nonpayment of premium we will provide a written statement of the actual reason for the refusal to renew. You may request additional information within 30 days from the date of our notice. 4. If we offer to renew at least 45 days before the renewal date and you fail to make the required premium payment by the renewal date the Policy will terminate on the renewal date for nonpayment of premium. E. The following definition is added First class mail tracking method means a method that provides evidence of the date that a piece of first class mail was accepted for mailing by the United States Postal Service including a certificate of mail and an electronic mail tracking system used by the United States Postal Service. First class mail tracking method does not include a certificate of bulk mailing. Page 2 of 2 Insurance Services Office Inc. 2017 CG 02011217 | 2 |
COMMERCIAL GENERAL LIABILITY CG26731204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MARYLAND CHANGES PREMIUM AUDIT CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART UNDERGROUND STORAGE TANK POLICY Paragraph b. of the Premium Audit Condition Sec tion IV is replaced by the following Premium Audit 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 and send notice to the first Named Insured. The due date for audit and retrospective premi ums is 30 days from the date of the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. CG26731204 1SO Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 0168 10 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MICHIGAN CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. The reference to Paragraph d. is amended to read Paragraph e.. The following is added d. Failure to give any notice required by this condition within the time period specified shall not invalidate any claim made by you if it shall be shown not to have been reasonably possible to give notice within the prescribed time period and that notice was given as soon as was reasonably possible. A. The paragraph relating to prejudgment interest in Supplementary Payments Section I is re placed by the following Prejudgment interest awarded against the in sured on that part of the judgment we pay. B. With respect to the Duties Condition Section IV 1. Notice given by or on behalf of the insured to our authorized agent with particulars suffi cient to identify the insured shall be con sidered notice to us. 2. The last sentence of Paragraph 2.b. is deleted. CG 01681009 Insurance Services Office Inc. 2009 Page 1 of 1 m | 2 |
IL 02 86 04 17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MICHIGAN CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is amended as follows 1. Paragraph 1. is replaced by the following The first Named Insured shown in the Declarations may cancel this Policy by giving us or our authorized agent notice of cancellation. 2. Paragraph 3. is replaced by the following We will mail or deliver our notice to the first Named Insured s last mailing address known to us or our authorized agent. 3. Paragraph 5. is replaced by the following If this Policy is cancelled we will send the first Named Insured any pro rata premium refund due. The minimum earned premium shall not be less than the pro rata premium for the expired time or 25.00 whichever is greater. The cancellation will be effective even if we have not made or offered a refund. B. The following condition is added and supersedes any other provision to the contrary Nonrenewal If we decide not to renew this Policy we will mail or deliver to the first Named Insured s last mailing address known to us or our authorized agent written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing shall be sufficient proof of notice. Insurance Services Office Inc. 2016 Page 1 of 1 IL 0286 04 17 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 05 02 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The Examination Of Your Books And Records C. The following is added to Paragraph 8. Transfer Common Policy Condition is replaced by the following We may examine and audit your books and re cords as they relate to this policy at any time dur ing the policy period and up to one year afterward.. Paragraph 1. Bankruptcy under Section IV Commercial General Liability Conditions is re placed by the following 1. Bankruptcy Bankruptcy insolvency or dissolution of the in sured or of the insured s estate will not relieve us of our obligation under this Coverage Part and in case an execution against the insured on a final judgment is returned unsatisfied then such judgment creditor shall have a right of action on this Coverage Part against the company to the same extent that the insured would have had the insured paid the final judgment. Of Rights Of Recovery Against Others To Us Condition under Section IV Commercial Gener al Liability Conditions Our rights do not apply against any person or or ganization insured under this or any other Cover age Part we issue with respect to the same occurrence. CG 26 0502 07 1SO Properties Inc. 2006 Page 1 of 1 | 2 |
IL 02 45 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. When this endorsement is attached to the Standard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy.. The following provisions apply except when Para graph C. of this endorsement applies The Cancellation Common Policy Condition is re placed by the following CANCELLATION 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliver ing to us advance written notice of cancellation. 2. We may cancel this policy subject to the provi sions of Paragraph B.3. below by first class mailing or by delivery of a written notice of can cellation to the first Named Insured and any agent to their last mailing addresses known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 3. Policies In Effect a. Less Than 90 Days If this policy is a new policy and has been in effect for fewer than 90 days we may cancel for any reason by giving notice at least 2 30 days before the effective date of cancellation if we cancel for any oth er reason. b. 90 Days Or More If this policy has been in effect for 90 days or more or if it 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 Misrepresentation or fraud made by you or with your knowledge in obtain ing the policy or in pursuing a claim under the policy An act or omission by you that sub stantially increases or changes the risk insured Refusal by you to eliminate known conditions that increase the potential for loss after notification by us 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 4 5 1SO Properties Inc. 2007 Page 1 0of 3 IL 024509 08 | 2 |
4. 6 Loss of reinsurance by us which provided coverage to us for a significant amount of the underlying risk insured. Any notice of cancellation pursuant to this item shall ad vise the policyholder that he or she has 10 days from the date of receipt of the notice to appeal the cancellation to the commis sioner of commerce and that the commis sioner will render a decision as to whether the cancellation is justified because of the loss of reinsurance within 30 business days after receipt of the appeal A determination by the commissioner that the continuation of the policy could place us in violation of the Minnesota insurance laws or Nonpayment of dues to an association or organization other than an insurance asso ciation or organization where payment of dues is a prerequisite to obtaining or con tinuing such insurance. This provision for cancellation for failure to pay dues shall not be applicable to persons who are retired at 62 years of age or older or who are dis abled according to social security standards. Under this Item B.3.b. we will give notice at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium. The cancellation notice shall contain the information regarding the amount of premium due and the due date and shall state the effect of nonpayment by the due date. Cancellation shall not be ef fective if payment of the amount due is made prior to the effective date of cancellation or 60 days before the effective date if we can cel for a reason described in Paragraphs B.3.b.2 through 8 above. The notice of cancellation will state the reason for cancellation. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 7. Proof of mailing of any notice shall be sufficient proof of notice. C. The following applies with respect to coverage provided under the following FARM COVERAGE PART 1. Policies In Effect 60 Days Or More a. If this Coverage Part covers buildings used for residential purposes and has been 1 In effect for at least 60 days or 2 Renewed by us Paragraphs A.2. and A.6. of the Can cellation Common Policy Condition do not apply and the following is added to the Cancellation Common Policy Condition b. We may not cancel this policy except for 1 Nonpayment of premium 2 Misrepresentation or fraud made by you or with your knowledge a In obtaining this policy or b In connection with a claim under this policy 3 An act or omission by you that ma terially increases the risk we origin ally accepted or 4 A physical change in the Covered Property which a Is not corrected or restored with in a reasonable time after it occurs and b Results in the property becom ing uninsurable. c. We may cancel this policy by giving the first Named Insured written notice of cancellation at least 1 20 days before the effective date of cancellation if we cancel for non payment of premium or 2 30 days before the effective date of cancellation if we cancel for a reas on described in Paragraphs C.1.b.2 through 4. Such notice will be mailed or delivered to the first Named Insured and will con tain the reason for cancellation. Proof of mailing of any notice shall be suffi cient proof of notice. Page 2 of 3 1SO Properties Inc. 2007 IL 02 45 09 08 | 2 |
2. Policies In Effect Less Than 60 Days When this Coverage Part covers buildings used for residential purposes and is a new policy which has been in effect fewer than 60 days cancella tion is subject to the terms of the Cancellation Common Policy Condition except for Paragraphs A.2. and A.6. and is not subject to Paragraph B. or Paragraph C.1. of this endorsement. Under this Item C.2. Paragraphs A.2. and A.6. of the Can cellation Common Policy Condition are replaced by the following We may cancel this policy by giving the first Named Insured written notice of cancellation at least 20 days before the effective date of cancellation. Such notice will be mailed or de livered to the first Named Insured. Proof of mail ing of any notice shall be sufficient proof of notice. If we cancel this policy for underwriting considerations we will inform you of the source from which the information was received. D. The following is added and supersedes any provisions to the contrary NONRENEWAL If we decide not to renew this policy we may do so by giving the first Named Insured and any agent written notice of our intent not to re new at least 60 days before the expiration date of this policy. Such notice will be de livered or mailed by first class mail to their last mailing addresses known to us. Proof of mailing of any notice shall be suffi cient proof of notice. We need not mail or deliver this notice if you have 1. Insured elsewhere 2. Accepted replacement coverage or 3. Agreed not to renew this policy. 1SO Properties Inc. 2007 Page 3 of 3 IL 024509 08 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01221207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CONTRACTUAL LIABILITY EXCLUSION AND SUPPLEMENTARY PAYMENTS 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 A. Paragraph 2.b. of Exclusions of Section Cov erage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay dam ages by reason of the assumption of liabil ity in a contract or agreement. This exclu sion does not apply to liability for damages 1 That the insured would have in the ab sence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. B. Section Supplementary Payments Cover ages A And B is replaced by the following 1. We will pay with respect to any claim we in vestigate or settle or any suit against an in sured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law viola tions arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the applic able limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the in sured at our request to assist us in the in vestigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. e. All court costs taxed against the insured in the suit. However this coverage does not include attorneys fees or attorneys ex penses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. g. All interest on the full amount of any judg ment that accrues after entry of the judg ment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnit ee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has as sumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability as sumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract CG 01221207 1SO Properties Inc. 2006 Page 1 of 2 | 2 |
d. The allegations in the suit and the inform ation we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to de fend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a b c d Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit Notify any other insurer whose cov erage is available to the indemnitee and Cooperate with us with respect to co ordinating other applicable insur ance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other informa tion related to the suit and b Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation ex penses incurred by the indemnitee at our re quest will be paid as Supplementary Payments. Our obligation to defend an insured s indemnit ee and to pay for attorneys fees and neces sary litigation expenses as Supplementary Payments ends when a. We have used up the applicable limit of in surance in the payment of judgments or settlements or b. The conditions set forth above or the terms of the agreement described in Para graph f. above are no longer met. Page 2 of 2 1SO Properties Inc. 2006 CG 01221207 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26811204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES DUTIES CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE CG 04 35 LIMITED PRODUCT WITHDRAWAL EXPENSE ENDORSEMENT CG 04 36 LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PERSONAL INJURY LIABILITY ENDORSEMENT CG 28 05 POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following is added to the Duties Condition The requirement to notify us can be satisfied by noti fying our agent. Notice can be by any means of communication. CG 26811204 1SO Properties Inc. 2003 Page 1 of 1 | 2 |
IL 02 82 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSISSIPPI CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTO COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 7. is added to the Cancellation Com g. If mon Policy Conditions 1 The first Named Insured does not re 7. If new this policy we will notify the a. The first Named Insured cancels this mortgageholder. policy we will notify any named creditor 2 We decide not to renew this policy we loss payee. will give written notice to the mortgage b. We cancel this policy we will mail or deliv holder at least er our written notice of cancellation to any a 10 days before an anniversary date named creditor loss payee in the same or the expiration date of the policy if manner and at the same time as notifica the nonrenewal is due to nonpay tion is given to the first Named Insured as ment of premium or stated in this Condition. b 30 days before an anniversary date The provisions of Paragraphs a. and b. above or the expiration date of the policy if do not apply to any mortgageholder. the nonrenewal is for any other B. Paragraphs f. and g. of the Mortgageholders reason. Condition if any are replaced by the following We will notify the mortgageholder by If mailing or delivering the notice of nonre T 3. newal to the last mailing address 1 The first Named Insured cancels this known to us. If notice is mailed proof of P0lrf3yy N VIde will notify the mailing will be sufficient proof of notice. morigagaho.er. X X C. The following Condition is added and supersedes 2 XVe Caf109 TTIS lrny V f will hQII WFIT any provision to the contrary en notice to the mortgageholder a least 30 days before the effective date NONRENEWAL of cancellation. 1. If the first Named Insured does not renew this We will notify the mortgageholder by Sgli we will notify any named creditor loss mailing or delivering the cancellation no tice to the last mailing address known to us. If notice is mailed proof of mail ing will be sufficient proof of notice. the Cancellation Com Insured cancels this tify any named creditor icy we will mail or deliv ce of cancellation to any ss payee in the same e same time as notifica first Named Insured as ition. agraphs a. and b. above rtgageholder. f the Mortgageholders aced by the following ed Insured cancels this will natify the e 1SO Properties Inc. 2007 Page 1 of 2 IL 028209 08 | 2 |
2. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured and any named credit or loss payee at least a. 10 days before the effective date of nonrenewal if the nonrenewal is due to nonpayment of premium or b. 30 days before an anniversary date or the expiration date of the policy if the nonre newal is for any other reason. We will notify the first Named Insured and any named creditor loss payee by mailing or deliv ering the notice of nonrenewal to the last mail ing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. The provisions of Paragraphs 1. and 2. above do not apply to any mortgageholder.. The requirements for notification of cancellation or nonrenewal of this policy as stated in Para graphs A. B. and C. above supersede any other notification requirements to any named creditor loss payee and any mortgageholder stated in this policy including any endorsement attached to the policy.. Any named creditor loss payee and any mortgage holder may elect not to receive notification of can cellation or nonrenewal by providing us with a writ ten release. Page 2 of 2 1SO Properties Inc. 2007 IL 028209 08 | 2 |
POLICY NUMBER GL 4056109 FOLICY NUMBERD GL 4056109 IL 0990 01 15 MISSOURI DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE PART Terrorism Premium Certified Acts 505 This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies Additional information if any concerning the terrorism premium SCHEDULE PART Il Federal share of terrorism losses Year 20 Refer to Paragraph B. in this endorsement. Federal share of terrorism losses Year 20 Refer to Paragraph B. in this endorsement. NOTE The premium above is for certain losses resulting from certified acts of terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your policy carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. 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 we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. is premium is the total Certified Acts premium attributable to the following Coverage Parts overage Forms andor Policyies dditional information if any concerning the terrorism premium Year 20 Year20 Insurance Services Office Inc. 2015 Page 1 of 2 IL 09 90 01 15 | 2 |
B. Disclosure Of Federal Parti ipation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage as shown in Part Il of the Schedule of this endorsement or in the policy Declarations of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion.. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Page 2 of 2 Insurance Services Office Inc. 2015 IL 09 90 01 15 | 2 |
1L 02740213 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES CANCELLATION AND NONRENEWAL CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. When this endorsement is attached to the Standard Property Policy CP 00 99 the term Commercial Property Coverage Part in this endorsement also refers to the Standard Property Policy.. With respect to the Commercial General Liability Coverage Part Commercial Property Legal Liability Coverage Form CP 00 40 Commercial Property Mortgageholders Errors And Omissions Coverage Form CP 00 70 Crime And Fidelity Coverage Part Employment Related Practices Liability Coverage Part Equipment Breakdown Coverage Part Farm Liability Coverage Form Liquor Liability Coverage Part Pollution Liability Coverage Part Products Completed Operations Liability Coverage Part Medical Professional Liability Coverage Part the following Cancellation and Nonrenewal Provisions apply Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation stating the actual reason for cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium b. 30 days before the effective date of cancellation if cancellation is for one or more of the following reasons 1 Fraud or material misrepresentation affecting this policy or a claim filed under this policy or a violation of any of the terms or conditions of this policy 2 Changes in conditions after the effective date of this policy which have materially increased the risk assumed Insurance Services Office Inc. 2012 Page 1 of 2 IL02740213 | 2 |
3 We become insolvent or 4 We involuntarily lose reinsurance for this policy c. 60 days before the effective date of cancellation if we cancel for any other reason. Nonrenewal The following is added and supersedes any provision to the contrary a. We may elect not to renew this policy by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal stating the actual reason for nonrenewal at least 60 days prior to the effective date of the nonrenewal. b. If notice is mailed proof of mailing will be sufficient proof of notice. C. With respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Coverage Form Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form Paragraphs 1. 2. 3. 4. and 6. of the Cancellation Common Policy Condition are replaced by the following Cancellation Nonrenewal And Decreases In Coverage 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation.. We may cancel nonrenew reduce in amount or adversely modify this policy by mailing or delivering to the first Named Insured written notice of this action at least a. 10 days before the effective date of this action if due to nonpayment of premium or evidence of incendiarism or b. 30 days before the effective date of this action if for any other reason.. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. 6. Notice of a. Cancellation will state the effective date of cancellation. The policy period will end on that date. b. Any other action will state the effective date of that action. If notice is mailed proof of mailing will be sufficient proof of notice.. With respect to all Coverage Parts addressed in this endorsement Cancellation Paragraph 5. of the Common Policy Condition is replaced by the following 5. If this policy is cancelled we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return premium a. We will compute return premium pro rata and round to the next higher whole dollar when this policy is 1 Cancelled by us or at our request 2 Cancelled because you no longer have a financial or insurable interest in the property or business operation that is the subject of this insurance 3 Cancelled but rewritten with us or in our company group or 4 Cancelled after the first year if it is a prepaid policy written for a term of more than one year. b. When this policy is cancelled at the request of the first Named Insured except when Paragraph a.2 a.3 or a.4 applies we will return 90 of the pro rata unearned premium or 75 of the pro rata unearned premium for the Equipment Breakdown Coverage Part rounded to the next higher whole dollar. However when such cancellation takes place during the first year of a multiyear prepaid policy we will return the full annual premium for the subsequent years. The refund will be less than 90 of the pro rata unearned premium or less than 75 of the pro rata unearned premium for the Equipment Breakdown Coverage Part if the refund of such amount would reduce the premium retained by us to an amount less than the minimum premium for this policy. Page 2 of 2 Insurance Services Office Inc. 2012 IL02740213 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 25 04 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES GUARANTY ASSOCIATION 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 RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY MISSOURI PROPERTY AND CASUALTY 2. Payments made by the Association for INSURANCE GUARANTY ASSOCIATION covered claims will include only that amount of COVERAGE LIMITATIONS each claim which is less than 300000. A. Subject to the provisions of the Missouri Property However the Association will not and Casualty Insurance Guaramy Association Act 1 Pay an amount in excess of the applicable to be referred to as the Act if we are a member limit of insurance of the policy from which a of the Missouri Property and Casualty Insurance claim arises or Guaranty Association to be referred to as the T. Association the Association will pay claims 2 Return to an insured any unearned premi covered under the Act if we become insolvent. um in excess of 25000. B. The Act contains various exclusions conditions These limitations have no effect on the coverage we and limitations that govern a claimant s eligibility Wil provide under this policy. to collect payment from the Association and affect the amount of any payment. The following limita tions apply subject to all other provisions of the Act 1. Claims covered by the Association do not in clude a claim by or against an insured of an in solvent insurer if the insured has a net worth of more than 25 million on the later of the end of the insured s most recent fiscal year or the December thirty first of the year next preced ing the date the insurer becomes insolvent provided that an insured s net worth on such date shall be deemed to include the aggregate net worth of the insured and all of its affiliates as calculated on a consolidated basis. CG 26 2504 05 1SO Properties Inc. 2004 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 50 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 1.a. of Coverage C Medical Payments is replaced by the following 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or ecause of your operations 3 B f ti provided that a The accident takes place in the coverage territory and during the policy period b c The expenses are incurred and reported to us within one year of the date of the accident. However expenses reported to us after one year of the date of the accident will not be denied solely because of the late submission unless such late submission operates to prejudice our rights and The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. CG 26500413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 013408 03 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES POLLUTION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to Subparagraph f. Pollution of Paragraph 2. Exclusions under Section Coverage A Bodily Injury And Property Damage Liability Coverage and to Subparagraph m. Pollution of Paragraph 2. Exclusions under Section Coverage B Personal And Advertising Injury Liability or to any amend ment to or replacement thereof This Pollution Exclusion applies even if such irritant or contaminant has a function in your business operations premises site or location. CG 01340803 1SO Properties Inc. 2003 Page 1 of 1 | 2 |
IL 02 43 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART d Substantial breaches of contractual duties conditions or warranties e Determination by the Commissioner of Insurance that continuation of the policy would place us in violation of the Montana Insurance Code f Financial impairment of us or g Such other reasons that are ap proved by the Commissioner of Insurance. 3 If this policy has been issued for a term longer than one year and if either the premium is prepaid or an agreed term is guaranteed for additional premium consideration we may cancel this policy only for one or more of the reas ons stated in Paragraph 2.a.2 above.. Anniversary Cancellation We may cancel any policy with a term of more than one year by mailing or delivering to the first Named Insured written notice of cancellation at least 45 days before the an niversary date of the policy. Such cancella tion will be effective on the policy s an niversary date. A. With respect to other than the Farm Property Farm Dwellings Appurtenant Structures And Household Personal Property Coverage Form Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Cancellation Of Policies a. Midterm Cancellation We may cancel this policy based on the provisions below by mailing or delivering written notice to the first Named Insured at least 10 days before the effective date of cancellation 1 If this policy has been in effect for less than 60 days except as provided in Paragraph 2.a.3 below we may can cel for any reason. 2 If this policy has been in effect for 60 days or more we may cancel this policy prior to the expiration of the agreed term or prior to one year from the effect i ve date of the policy or renewal whichever is less only for one or more of the following reasons a Failure to pay a premium when due b Material misrepresentation c Substantial change in the risk assumed except to the extent that we should reasonably have fore seen the change or contemplated the risk in writing the contract 1SO Properties Inc. 2006 Page 1 of 2 m IL 02 43 09 07 | 2 |
B. With respect to the Farm Property Farm Dwellings Appurtenant Structures And Household Personal Property Coverage Form Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Cancellation Of Policies a. Midterm Cancellation 1 We may cancel this policy for nonpay ment of premium by mailing or deliver ing written notice of cancellation to the first Named Insured at least 20 days be fore the effective date of cancellation. 2 We may cancel this policy based on the reasons stated in Paragraph 2.a.2a or 2b by mailing or delivering written notice of cancellation to the first Named Insured at least 45 days before the ef fective date of cancellation a If this policy has been in effect for less than 60 days except as provided in Paragraph 2.a.3 we may cancel for any reason. b If this policy has been in effect for 60 days or more we may cancel this policy prior to the expiration of the agreed term or prior to one year from the effective date of the policy or renewal whichever is less only for one or more of the following reasons i Material misrepresentation ijSubstantial change in the risk assumed except to the extent that we should reasonably have foreseen the change or contem plated the risk in writing the contract Substantial breaches of contrac tual duties conditions or warranties iv Determination by the Commis sioner of Insurance that continu ation of the policy would place us in violation of the Montana Insur ance Code v Financial impairment of us or vi Such other reasons that are ap proved by the Commissioner of Insurance. 3 If this policy has been issued for a term longer than one year and if either the premium is prepaid or an agreed term is guaranteed for additional premium consideration we may cancel this policy only for one or more of the reas ons stated in Paragraph 2.a.2b by mailing or delivering written notice to the first Named Insured at least 45 days before the effective date of cancellation. b. Anniversary Cancellation We may cancel any policy with a term of more than one year by mailing or delivering to the first Named Insured written notice of cancellation at least 45 days before the an niversary date of the policy. Such cancella tion will be effective on the policy s an niversary date. C. Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 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 ef fective even if we have not made or offered a refund. However when a financed insurance policy is cancelled we will send any refund due to the premium finance company on a pro rata basis. D. Any When We Do Not Renew Condition is deleted. The following When We Do Not Renew Condition is added 1. If we elect not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations and agent if any a notice of intention not to renew at least 45 days before the agreed expiration date. 2. We need not mail or deliver this notice if a. You have purchased insurance elsewhere b. You have accepted replacement coverage c. You have requested or agreed to nonrenewal or d. This policy is expressly designated as nonrenewable. Page 2 of 2 1SO Properties Inc. 2006 IL 02 43 09 07 o | 2 |
IL0167 1013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES CONFORMITY WITH STATUTES This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART A. The following condition is added Conformity with Montana statutes. The provisions of this policy or Coverage Part conform to the minimum requirements of Montana law and control over any conflicting statutes of any state in which you reside on or after the effective date of this 3. No one will be entitled to duplicate payments policy or Coverage Part. for the same elements of loss. 2. We will provide the minimum amounts and types of other coverages such as no fault required of out of state vehicles by the jurisdiction where the covered auto is being used. However with respect to insurance provided under the Commercial Automobile Coverage Part while a covered auto is away from Montana 1. We will increase the Limit of Insurance for Covered Autos Liability Coverage to meet the limits specified by a compulsory or financial responsibility law of the jurisdiction where the covered auto is being used. This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property.. Any provision of this policy or Coverage Part including endorsements which modify the policy or Coverage Part that does not conform to the minimum requirements of a Montana statute is amended to conform to such statute.. The provisions conform to the 2 law and control 1y state in which tive date of this Insurance Services Office Inc. 2013 Page 1 of 1 IL01671013 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26611001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 1.b. Insuring Agreement of Coverage C. Medical Payments is replaced by the following b. We will make these payments regardless of fault. These payments will not exceed the ap plicable limit of insurance. We will pay ex penses for 1 First aid administered at the time of an accident 2 Necessary medical surgical x ray and dental services including prosthetic devices and 3 Necessary ambulance hospital profes sional nursing and funeral services. CG 26611001 1SO Properties Inc. 2000 Page 1 of 1 m | 2 |
POLICY NUMBER GL 4056109 ICY NUMBER GL 4056109 COMMERCIAL GENERAL LIABILITY CG 27161207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA EMPLOYEE BENEFITS LIABILITY COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Coverage Employee Benefits Programs Limit Of Insurance 1000000 Each Employee 2000000 Aggregate Each Employee Deductible 250000 Each Employee Premium Included Retroactive Date 112005 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. 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 or of any other person for whose acts the insured is legally liable to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable Limit Of Insurance in the payment of judgments or settlements.. This insurance applies to damages only if 1 The act error or omission is negligently committed in the administration of your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and 3 A claim for damages because of an act error or omission is first made against any insured in accordance with Paragraph c. below during the policy period or an Extended Reporting Period we provide under Paragraph F. of this endorsement.. A claim seeking damages will be deemed to have been made at the earlier of the following times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or CG 27161207 1SO Properties Inc. 2006 Page 1 of 6 | 2 |
2 When we make settlement in accordance with Paragraph 1.a. above. A claim received and recorded by the insured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim. d. All claims for damages made by an employee because of any act error or omission or a series of related acts errors or omissions including damages claimed by such 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 a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dishonest fraudulent criminal or malicious act error or omission committed by any insured including the willful or reckless violation of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or personal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of performance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program. e. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other collectible insurance.. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termination of employment discrimination or other employment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A And B are replaced by Supplementary Payments Coverages A B And Employee Benefits Lial.. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal representative is appointed. of any fit Page 2 of 6 1SO Properties Inc. 2006 CG 27161207 | 2 |
c. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this endorsement. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance applies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. The Limits Of Insurance of this endorsement apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after 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.. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The Limits Of Insurance shall not be reduced by the D. For the purposes of the coverage provided by this endorsement Section Il Limits Of Insurance is replaced by the following 1. Limits Of Insurance amount of this deductible. b. The deductible amount stated in the Schedule applies to all damages sustained a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit progral b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the administration of your employee benefit program. c. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including damages sustained by such employee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omissions making negligently committed in the administration of your employee benefit program. However the amount paid under this endorsement shall not exceed and will be subject to the limits and restrictions that apply to the payment of benefits in any plan included in the employee benefit program. by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are replaced by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Sui a. You must see to it that we are notified as soon as practicable of an act error or omission which may result in a claim. To the extent possible notice should include 1 What the act error or omission was and when it occurred and CG 27161207 1SO Properties Inc. 2006 Page 3 of 6 | 2 |
2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent.. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary excess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Retroactive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorsement. c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable Limit Of Insurance or none of the loss remains whichever comes first. Page 4 of 6 1SO Properties Inc. 2006 CG 27161207 | 2 |
If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limits of insurance to the total applicable limits of insurance of all insurers. F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorsement is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period as described below if a. This endorsement is canceled or not renewed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this endorsement or 2 Does not apply to an act error or omission on a claims made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of coverage provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not before the Retroactive Date if any shown in the Schedule. Once in effect the Extended Reporting Period may not be canceled by us. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the endorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the additional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing s0 we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this endorsement for future payment of damages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section applicable to the Extended Reporting Period including a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and collectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period aggregate Limit Of Insurance described below but only for claims first received and recorded during the Extended Reporting Period. The extended reporting period aggregate Limit Of Insurance will be equal to the dollar amount shown in the Schedule of this endorsement under Limit Of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees including their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit included in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. CG 27161207 1SO Properties Inc. 2006 Page 5 of 6 | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts provided that no one other than an employee may subscribe to such e. Any other similar benefits designated in the Schedule or added thereto by endorsement. H. For the purposes of the coverage provided by this endorsement Definitons 5. and 18. in the Definitions Section are replaced by the following 5. Employee means a person actively employed formerly employed on leave of absence or disabled or retired. Employee benefits and such benefts are mad tlrzdzalizsngoyngfkesmployee does generally available to those employees who satisfy the plan s eligibility 18. Suit means a civil proceeding in which requirements damages because of an act error or omission b. Profit sharing plans employee savings to which this insurance applies are alleged.. Suit includes plans employee stock ownership plans i.. pension plans and stock subscription a. An arbitration proceeding in which such plans provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disability benefits d. Vacation plans including buy and sell programs leave of absence programs including military maternity family and civil leave tuition assistance plans transportation and health club subsidies and damages are claimed and to which the insured must submit or does submit with our consent or. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Page 6 of 6 1SO Properties Inc. 2006 CG 27161207 | 2 |
IL 0259 1217 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following 2. Cancellation Of Policies In Effect 7 The determination by the Director of Insurance that the continuation of the policy could place us in violation of the Nebraska Insurance Laws. c. If we cancel this policy subject to 2.a. or a. 60 Days Or Less If this policy has been in effect for 60 days or less we may cancel this policy for any reason. b. More Than 60 Days If this policy has been in effect for more than 60 days or if this is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 The policy was obtained through material misrepresentation 3 Any insured has submitted a fraudulent claim Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has substantially increased Certification to the Director of Insurance of our loss of reinsurance which provided coverage to us for all or a substantial part of the underlying risk insured or 4 2.b. above we will mail to the first Named Insured a written notice of cancellation stating the reasons for cancellation at least 1. 10 days before the effective date of 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. 3. We will mail our notice by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail a United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. B. Paragraph 6. of the Cancellaton Common Policy Condition does not apply. Insurance Services Office Inc. 2017 Page 1 of 2 IL02591217 | 2 |
C. The following is added and supersedes any provisions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 60 days prior to the expiration date of this policy. 2. Any notice of nonrenewal will be mailed by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail a United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. Page 2 of 2 Insurance Services Office Inc. 2017 IL02591217 | 2 |
IL 02 5109 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEVADA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The following are added to the Cancellation Com 6 A determination by the commissioner mon Policy Condition that continuation of our present volume 7.a. Midterm Cancellation of premiums would jeopardize our solvency or be hazardous to the in If this policy has been in effect for 70 days or terests of our policyholders creditors or more or if this policy is a renewal of a policy the public we issued we may cancel only for one or I. more of the following reasons 7 A determination vby the commissioner that the continuation of the policy would 1 Nonpayment of premium violate or place us in violation of any 2 Conviction of the insured of a crime provision of the code. arising out of acts increasing the hazard b. Anniversary Cancellation insured against. T 3. If this policy is written for a term longer 3 Discovery of fraud or material misrepres than one year we may cancel for any reas entation in obtaining the policy or in on at an anniversary by mailing or deliver presenting a claim thereunder ing written notice of cancellation to the first 4 Discovery of an act or omission or a viola Named Insured at the last mailing address tion of any condition of the policy which known to us at least 60 days before the an occurred after the first effective date of niversary date. the current policy and substantially and B. The following is added as an additional Condition materially increases the hazard insured and supersedes any other provision to the against contrary 5 A material change in the nature or extent NONRENEWAL of the risk occurring after the first effect i ve date of the current policy which causes the risk of loss to be substantially and materially increased beyond that con templated at the time the policy was is sued or last renewed 1. If we elect not to renew this policy we will mail or deliver to the first Named Insured shown in the Declarations a notice of intention not to re new at least 60 days before the agreed expira tion date. If notice is mailed proof of mailing will be suffi cient proof of notice. Cancellation Com effect for 70 days or 2 renewal of a policy cel only for one or sons am sured of a crime creasing the hazard material misrepres the policy or in reunder omission or a viola of the policy which 1SO Properties Inc. 2006 Page 1 of 2 IL 02 51 09 07 | 2 |
2. We need not provide this notice if a. b. You have accepted replacement coverage You have agreed to nonrenewal or requested or. This policy is expressly designated as nonrenewable. C. Notices 1. Notice of cancellation or nonrenewal in accord ance with A. and B. above will be mailed first class or certified or delivered to the first Named Insured at the last mailing address known to us and will state the reason for can cellation or nonrenewal.. We will also provide a copy of the notice of cancellation for both policies in effect less than 70 days and policies in effect 70 days or more to the agent who wrote the policy. Page 2 of 2 1SO Properties Inc. 2006 IL 02 51 09 07 | 2 |
IL011501 10 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. All references to spouse shall include an individu al who is in a domestic partnership recognized un der Nevada 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 domestic partnership recognized under Nevada law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or domestic partnership re cognized under Nevada law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Cover age 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 resid ent of your household including a ward or foster child. Insurance Services Office Inc. 2009 Page 1 of 1 IL01150110 | 2 |
POLICY NUMBER GL 4056109 POLICY NUMBER GL 4056109 COMMERCIAL GENERAL LIABILITY CG 21290413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE AMENDMENT OF LIQUOR LIABILITY EXCLUSION EXCEPTION FOR SCHEDULED ACTIVITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE New Hampshire Law. Description Of Activityies A1l New Hampshire premises of the Insured as required by Information required to complete this Schedule if not shown above will be shown in the Declarations. The following replaces Exclusion c. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic beverages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Is for the purpose of financial gain or livelihood or 3 Serve or furnish alcoholic beverages without a charge if a license is required for such activity. However this exclusion does not apply to bodily injury or property damage arising out of the selling serving or furnishing of alcoholic beverages at the specific activityies described in the Schedule above. CG 21290413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01120615 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. If Endorsement CG 21 09 CG 21 10 CG 24 50 or D. The definitions of auto and mobile equipment in CG 24 51 is attached to the Policy Paragraph A.2.g.2e of Endorsement CG 21 09 CG 21 10 CG 24 50 or CG 24 51 whichever is attached is replaced by the following Bodily injury or property damage arising out of the operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipment.. If Paragraph A. of this endorsement does not apply Paragraph g.5 under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following Bodily injury or property damage arising out of the operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipment.. The following paragraph is added to Section Il Who Is An Insured 4. With respect to mobile equipment registered in your name under any motor vehicle registration law any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured but only with respect to liability arising out of the operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an insured with respect to a. Bodily injury to a coemployee of the person driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an insured under this provision. the Definitions section are replaced by the following 1. Auto means a land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. 2. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers CG 01120615 Insurance Services Office Inc. 2015 Page 1 of 2 | 2 |
f. Vehicles not described in a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. Page 2 of 2 Insurance Services Office Inc. 2015 CG 01120615 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 5511 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES AMENDMENT OF REPRESENTATIONS CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The Representations Condition is replaced by 2. Any intentional the following a. Misrepresentation REPRESENTATIONS b. Omission 1. You represent that all information and state 2 c. Concealment or ments contained in the Declarations are true accurate and complete. All such information d. Misstatement of a material fact and statements are the basis for our issuing in the Declarations or otherwise which relates this policy. to a particular claim shall be grounds to deny coverage. CG 26 551108 Insurance Services Office Inc. 2008 Page 1 of 1 | 2 |
IL01350119 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common 3. We will mail or physically deliver our notice to Policy Condition are replaced by the following 2.a. We may cancel this Policy by mailing or physic ally delivering to you written notice of cancellation stating the reasons for cancellation at least 1 10 days before the effective date of cancella tion if a We cancel for nonpayment of premium b We cancel for substantial hazard or c This is a new policy and its cancellation notice is mailed within the first 60 days of the effective date. 2 60 days before the effective date of cancella tion if Paragraph 2.a.1 of this endorsement does not apply.. If this Policy has been in effect for 60 days or more or if this is a renewal of a policy we issued we may cancel only for one or more of the follow ing reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation affecting the Policy or in the presentation of a claim thereunder or violation of any of the terms or conditions of the Policy or 3 Substantial increase in hazard provided that cancellation for this reason shall be effective only after prior approval of the Commissioner increase in your last mailing address known to us. If no tice is mailed it will be by a. Certified mail or certificate of mailing if can cellation is for nonpayment of premium or b. Certified mail if cancellation is for any oth er reason. Proof that the notice was mailed in accord ance with Paragraph 3.a. or 3.b. will be suffi cient proof of notice. B. Paragraph 6. of the Cancellation Common Policy Condition is deleted. C. The following is added and supersedes any provi sion to the contrary Nonrenewal 1. If we elect not to renew this Policy we will mail or physically deliver written notice of nonrenewal stating the reasons for nonrenewal to your last mailing address known to us at least 60 days prior to the expir ation of the Policy or its anniversary date if it is a policy written for a term of more than one year. 2. However we need not mail or physically deliv er this notice if a We have indicated a willingness to renew b We refuse to renew due to nonpayment of premium c You do not pay any advance premium re quired by us for renewal or ct for 60 days or a policy we issued more of the follow Insurance Services Office Inc. 2018 Page 1 of 2 IL 01350119 | 2 |
d Any property covered in this Policy is in sured under any other insurance policy. 3. If notice is mailed proof of mailing will be sufficient proof of notice. Page 2 of 2 Insurance Services Office Inc. 2018 IL01350119 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01520417 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE CHANGES PREMIUM AUDIT CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium we will return the excess to the first Named Insured. Paragraph b. of Conditon 5. Premium Audit is replaced by the following 5. Premium Audit b. Premium shown in this Coverage Part or policy as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. An audit to determine the final premium due or to be refunded will be completed within 120 days after the expiration or cancellation of the policy provided there is no bona fide dispute. Except as provided in this Paragraph b. the Examination Of Your Books And Records Condition continues to apply. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium we will return the excess to the first Named Insured. Except as provided in this Paragraph b. the Examination Of Your Books And Records Condition continues to apply. CG 01520417 Insurance Services Office Inc. 2016 Page 1 of 1 | 2 |
POLICY NUMBER GL 4056109 ICY NUMBER GL 4056109 COMMERCIAL GENERAL LIABILITY CG 27 19 07 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW HAMPSHIRE EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee 2000000 Aggregate Coverage Limit Of Insurance Deductible Premium Employee Benefits 1000000 Each Employee Programs ploy 250000 Included Retroactive Date 112005 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages Coverage Employee Benefits Liability 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking dam ages to which this insurance does not apply. We may at our discretion investig ate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments.. This insurance applies to damages only if 1 The act error or omission is negligently committed in the administration of your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and A claim for damages because of an act error or omission is first made against any insured in accordance with Paragraph c. below during the policy period or an Extended Reporting Period we provide under Paragraph F. of this endorsement. 3. A claim seeking damages will be deemed to have been made at the earlier of the fol lowing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or CG 27 19 07 09 Insurance Services Office Inc. 2009 Page 1 of 6 | 2 |
2 When we make settlement in accord ance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim. All claims for damages made by an employee because of any act error or omission or a series of related acts errors or omissions including damages claimed by such 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 a. Dishonest Fraudulent Criminal Or Mali cious Act Damages arising out of any intentional dishonest fraudulent criminal or malicious act error or omission committed by any insured including the willful or reckless viol ation of any statute.. Bodily Injury Property Damage Or Per sonal And Advertising Injury Bodily injury property damage or personal and advertising injury.. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer.. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program.. Inadequacy of Performance of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reason able effort and cooperation of the insured from the applicable funds accrued or other collectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment related Practices Damages arising out of wrongful termina tion of employment discrimination or other employment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and B are replaced by Supple mentary Payments Coverages A B and Em ployee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was au thorized to administer your employee be nefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal representative is appointed. Page 2 of 6 Insurance Services Office Inc. 2009 CG 27 19 07 09 | 2 |
c. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this endorsement. 3. Any organization you newly acquire or form other than a partnership joint venture or lim ited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance applies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier. b. Coverage under this provision does not ap ply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section Ill Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee be nefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the administration of your employee benefit program. c. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including damages sustained by such employee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administration of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be subject to the limits and restrictions that ap ply to the payment of benefits in any plan included in the employee benefit program. The Limits apply separ period and than 12 mor the policy pi the policy attached ur after issuan than 12 mo period will b ing period fc its of Insurar 2. Deductible a. Our oblig the insur damages amount able to E ance she this dedu b. The ded. ule appll any on employe beneficia omission c. The ter those wit 1 Ourr seeki 2 Your involv error apply irre deductibl d. We may ible amc claim the actio burse us amount E. For the purpose endorsement C Commercial replaced by the 2. Duties In 1 Omission a. You mus soon as sion whi extent pc 1 What when CG 27 1907 09 Insurance Services Office Inc. 2009 The Limits of Insurance of this endorsement apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preced ing period for purposes of determining the Lim its of Insurance. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applic able to Each Employee. The limits of insur ance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Sched ule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deduct ible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reim burse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are replaced by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the extent possible notice should include 1 What the act error or omission was and when it occurred and Page 3 of 6 | 2 |
2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and oth er information Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any expense without our consent.. Other Insurance 3 4 If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insur ance is primary our obligations are not af fected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method de scribed in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary excess contingent or on any other basis that is effective prior to the begin ning of the policy period shown in the Schedule of this insurance and that ap plies to an act error or omission on oth er than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. 3 When this insurance is excess over oth er insurance we will pay only our share of the amount of the loss if any that ex ceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insur ance shown in the Schedule of this endorsement. Page 4 of 6 Insurance Services Office Inc. 2009 CG 27 19 07 09 | 2 |
c. Method Of Sharing 5. A Supplem If all of the other insurance permits contribu Endorsemer tion by equal shares we will follow this tional charg method also. Under this approach each in for five yea surer contributes equal amounts until it has ded Reporti paid its applicable limit of insurance or ends. none of the loss remains whichever comes 6. You must g first. plemental E If any of the other insurance does not per ment wwhn mit contribution by equal shares we will pohqy perioc contribute by limits. Under this method porting Peric each insurer s share is based on the ratio pay the add of its applicable limits of insurance to the and any pre total applicable limits of insurance of all coverage p insurers. Once in effe porting Peric F. For the purposes of the coverage provided by this. endorsement the following Extended Reporting We will dee Period provisions are added or if this endorse cordance wi ment is attached to a claims made Coverage Part we may take replaces any similar section in that Coverage Part a. The em Extended Reporting Periods b. Previous 1. We will provide one or more Extended Report c. Limit of ing Periods as described below if dorseme a. This endorsement is cancelled or not and renewed or d. Other rel b. We renew or replace this endorsement with The additior insurance that of the annua 1 Has a Retroactive Date later than the 7. The Supplel date shown in the Schedule of this Endorsemer endorsement or set forth the 2 Does not apply to any act error or omis section app sion on a claims made basis. ded Reporti 3 the effect 2. Extended Reporting Periods do not extend the claims first policy period or change the scope of coverage cess over al provided. They apply only to claims for acts ance availat errors or omissions that were first committed Supplement before the end of the policy period but not be starts. fore the Retroactive Date if any shown in the Schedule. Once in effect Extended Reporting 8. The Supplel Endorsemer Periods may not be cancelled. Y tended Repc 3. A Basic Extended Reporting Period is automat surance des ically provided without additional charge if this first receivec endorsement is cancelled or nonrenewed by mental Exte either you or us for any reason. This Basic Ex plemental E tended Reporting Period starts with the end of extend the p the policy period and lasts for sixty 60 days. Paragraph The Basic Extended Reporting Period does amended a not apply to claims that are covered under Limit shown any subsequent insurance you purchase or to apply as that would be covered but for the exhaustion of the amount of insurance applicable to such claims. 4. The Basic Extended Reporting Period does not reinstate or increase the Limits of Insurance. CG 27 1907 09 Insurance Services Office Inc. 2009 5. A Supplemental Extended Reporting Period Endorsement is available but only for an addi tional charge. The supplemental period lasts for five years starting when the Basic Exten ded Reporting Period set forth in Paragraph 3. ends. 6. You must give us a written request for the Sup plemental Extended Reporting Period Endorse ment within thirty 30 days after the end of the policy period. The Supplemental Extended Re porting Period will not go into effect unless you pay the additional premium promptly when due and any premium or deductible you owe us for coverage provided under this endorsement. Once in effect the Supplemental Extended Re porting Period may not be cancelled. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limit of Insurance available under this en dorsement for future payment of damages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. 7. The Supplemental Extended Reporting Period Endorsement applicable to this coverage shall set forth the terms not inconsistent with this section applicable to the Supplemental Exten ded Reporting Period including a provision to the effect that the insurance afforded for claims first received during such period is ex cess over any other valid and collectible insur ance available under policies in force after the Supplemental Extended Reporting Period starts. 8. The Supplemental Extended Reporting Period Endorsement will provide a Supplemental Ex tended Reporting Period Aggregate Limit Of In surance described below but only for claims first received and recorded during the Supple mental Extended Reporting Period. The Sup plemental Extended Reporting Period will not extend the policy period. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. Page 5 of 6 | 2 |
G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees in cluding their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. 4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hear ing plans and flexible spending accounts provided that no one other than an employee may subscribe to such benefits and such benefits are made generally avail able to those employees who satisfy the plan s eligibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such benefits and such benefits are made generally avail able to all employees who are eligible un der the plan for such benefits H. F el i c. Unemployment insurance social security benefits workers compensation and disab ility benefits d. Vacation plans including buy and sell programs leave of absence programs in cluding military maternity family and civil leave tuition assistance plans transporta tion and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. or the purposes of the coverage provided by this ndorsement Definitions 5. and 18. in the Defini ons Section are replaced by the following 5. Employee means a person actively 18. employed formerly employed on leave of ab sence or disabled or retired. Employee in cludes a leased worker. Employee does not include a temporary worker. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which the insured submits with our consent. Page 6 of 6 Insurance Services Office Inc. 2009 CG 27 19 07 09 | 2 |
IL 02 08 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. Pursuant to New Jersey law this policy can not be cancelled or nonrenewed for any underwriting reason or guideline which is arbitrary capricious or unfairly discriminatory or without adequate prior notice to the insured. The underwriting reasons or guidelines that an insurer can use to cancel or nonrenew this policy are maintained by the in surer in writing and will be furnished to the insured andor the insured s lawful representative upon written request. This provision shall not apply to any policy which has been in effect for less than 60 days at the time notice of cancellation is mailed or delivered unless the policy is a renewal policy.. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. If this policy has been in effect for less than 60 days we may cancel this policy for any reason subject to the following a. We may cancel this policy by mailing or de livering to the first Named Insured and any person entitled to notice under this policy written notice of cancellation at least 1 10 days before the effective date of can cellation if we cancel for a Nonpayment of premium or b Existence of a moral hazard as defined in N.J.A.C. 111 20.2f as follows i The risk danger or probability that the insured will destroy or permit to be destroyed the in sured property for the purpose of collecting the insurance proceeds. Any change in the cir cumstances of an insured that will increase the probability of such a destruction may be con sidered a moral hazard and i The substantial risk danger or probability that the character cir cumstances or personal habits of the insured may increase the possibility of loss or liability for which an insurer will be held responsible. Any change in the character or circumstances of an individual corporate partnership or other insured that will increase the probability of such a loss or li ability may be considered a moral hazard. 1SO Properties Inc. 2006 Page 1 0of 3 IL 02 08 09 07 | 2 |
2 30 days before the effective date of can cellation if we cancel for any other reason. b. In the notice of cancellation which is sent to the first Named Insured we will state the reason for cancellation. C. The following is added to the Cancellation Com mon Policy Condition 7. Cancellation Of Policies In Effect For 60 Days Or More a. If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 Existence of a moral hazard as defined in N.J.A.C. 111 20.2f 3 Material misrepresentation or nondis closure to us of a material fact at the time of acceptance of the risk Increased hazard or material change in the risk assumed which we could not have reasonably contemplated at the time of assumption of the risk Substantial breaches of contractual duties conditions or warranties that ma terially affect the nature andor insurabil ity of the risk Lack of cooperation from the insured on loss control matters materially affecting insurability of the risk Fraudulent acts against us by the in sured or its representative that materi ally affect the nature of the risk insured 8 Loss of or reduction in available insur ance capacity 9 Material increase in exposure arising out of changes in statutory or case law subsequent to the issuance of the insur ance contract or any subsequent renewal 10 Loss of or substantial changes in applic able reinsurance 11 Failure by the insured to comply with any Federal State or local fire health safety or building or construction regulation law or ordinance with re spect to an insured risk which substan tially increases any hazard insured against within 60 days of written notifica tion of a violation of any such law regu lation or ordinance 4 5 6 7 12 Failure by the insured to provide reason able and necessary underwriting inform ation to us upon written request there fore and a reasonable opportunity to respond. 13 Agency termination provided a We document that replacement cov erage at comparable rates and terms has been provided to the first Named Insured and we have in formed the first Named Insured in writing of the right to continue cover age with us or b We have informed the first Named Insured in writing of the right to con tinue coverage with us and the first Named Insured has agreed in writing to the cancellation or nonre newal based on the termination of the first Named Insured s appointed agent. 14 Any other reasons in accordance with our underwriting guidelines for cancella tion of commercial lines coverage. b. If we cancel this policy based on Para graph 7.a.1 or 2 above we will mail or deliver a written notice to the first Named Insured and any person entitled to notice under this policy at least 10 days before the effective date of cancellation. If we can cel this policy for any other reason listed above we will mail or deliver a written no tice to the first Named Insured and any per son entitled to notice under this policy not more than 120 days nor less than 30 days before the effective date of such cancellation. c. In the notice of cancellation which is sent to the first Named Insured we will state the reason for cancellation. For cancellation due to the nonpayment of premium the no tice will state the effect of nonpayment by the due date. Cancellation for nonpayment of premium will not be effective if payment of the amount due is made before the ef fective date set forth in the notice. d. Notice will be sent to the last mailing ad dresses known to us by 1 Certified mail or 2 First class mail if we have obtained from the post office a date stamped proof of mailing showing names and addresses. Page 2 of 3 1SO Properties Inc. 2006 IL 02 08 09 07 | 2 |
2. This notice will be sent to the first Named In sured at the last mailing address known to us by a. Certified mail or b. First class mail if we have obtained from the post office a date stamped proof of mail ing showing the first Named Insured s name and address. 3. We need not mail or deliver this notice if you have a. Replaced coverage elsewhere or b. Specifically requested termination. e. We need not send notice of cancellation if you have 1 Replaced coverage elsewhere or 2 Specifically requested termination. D. The following is added and supersedes any other provision to the contrary NONRENEWAL 1. We may elect not to renew this policy for any reason permitted to cancel it. If we elect not to renew this policy we will mail a notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 30 days but not more than 120 days before the expiration date of this policy. If this policy does not have a fixed expiration date it shall be deemed to expire annually on the anniversary of its inception. 1SO Properties Inc. 2006 Page 3 of 3 IL 02 08 09 07 | 2 |
IL 01410908 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following C. With respect to coverage for the ownership. maintenance or use of covered autos provided gvuj rsyvy to civil union recognized under under the Commercial Liability Umbrella Cover. age Part the term family member is replaced by B. Under the Commercial Auto Coverage Part the the following term family member is replaced by the following Family member means a person related to you Family member means a person related to the by blood adoption marriage or civil union recog 1. Individual Named Insured by blood adoption nized under New Jersey law who is a resident of marriage or civil union recognized under New your household including a ward or foster child. Jersey law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized under New Jersey law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. Insurance Services Office Inc. 2008 Page 1 of 1 IL 01410908 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 53 06 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES COVERAGE AND EXCLUSION LIABILITY FOR HAZARDS OF LEAD MULTIPLE PREMISES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. For premises constructed in or after 1978 or premises constructed prior to 1978 which have been certified prior to the policy period as being free of existing lead hazards pursuant to stand ards established by the Department of Com munity Affairs the following is added to Exclu sion f. Pollution of Paragraph 2. Exclusions under Section Coverage A Bodily Injury And Property Damage Liability and to any amendment to the pollution exclusion which is added by endorsement to this policy 2. Exclusions f. Pollution This exclusion does not apply to bodily injury arising out of lead contamination or out of the inhalation ingestion use handling or contact with lead paint at or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. This provision will also apply to any premises which receives such certification during the policy period but only if you notify us of such cer tification within 30 days after the certification is received and only for bodily injury which oc curs after such certification. B. For premises constructed prior to 1978 and which have not been certified as being free of ex isting lead hazards pursuant to standards estab lished by the Department of Community Affairs and until certified thereafter as described in A. the following is added to Paragraph 2. Exclu sions of Section Coverage A Bodily In jury And Property Damage Liability This insurance does not apply to Bodily injury caused in whole or in part either directly or indirectly by lead paint or lead contamination or arising out of or incidental to the inhalation ingestion use handling or con tact with lead paint or lead contamination. CG 26 53 06 99 Copyright Insurance Services Office Inc. 1999 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26201093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW JERSEY CHANGES LOSS INFORMATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OCCURRENCE VERSION The following Condition is added TO COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV 10.Your Right to Loss Information We will provide the first Named Insured shown in the Declarations the following loss information re lating to this and any preceding general liability Coverage Part we have issued to you during the previous three years a. A list or other record of each occurrence of which we were notified in accordance with paragraph 2.a. of the Duties in the Event of Occurrence Offense Claim or Suit Condition in this Section. We will include a brief descrip tion of the occurrence and information on whether any claim arising out of the occurrence is open or closed. b. A summary by policy year of payments made and amounts reserved stated separately un der any applicable General Aggregate Limit and Products Completed Operations Aggreg ate Limit. Amounts reserved are based on our judgment. They are subject to change and should not be re garded as ultimate settlement values. You must not disclose this information to any claimant or any claimant s representative without our consent. We will provide this information only if we receive a written request from the first Named Insured dur ing the policy period. We will provide this informa tion within 45 days of receipt of the request. We compile claim and occurrence information for our own business purposes and exercise reas onable care in doing so. In providing this informa tion to the first Named Insured we make no rep resentations or warranties to insureds insurers or others to whom this information is furnished by or on behalf of any insured. CG 26201093 Copyright Insurance Services Office Inc. 1992 Page 1 of 1 | 2 |
IL 0298 05 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW MEXICO CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Permissible Reasons And Notice Period a. If this Policy has been in effect less than 60 days and is not a renewal of a policy we issued we may cancel for any reason by mailing or delivering to the first Named Insured written notice of cancellation at least 10 days before the effective date of cancellation provided that the cancellation becomes effective before the Policy has been in effect for 60 days.. If Paragraph a. does not apply we may cancel only for one or more of the following reasons 1 Nonpayment of premium. 2 There has been a substantial change in the risk assumed by us since the Policy was issued. 3 The Policy was obtained through material misrepresentation fraudulent statements omissions or concealment of fact material to the acceptance of the risk or to the hazard assumed by us. Willful and negligent acts or omission by the insured have substantially increased the hazards insured against. 5 You presented a claim based on fraud or material misrepresentation. 4 c. If we cancel subject to 2.b. above we will mail or deliver to the first Named Insured written notice of cancellation at least 1 10 days before the effective date of cancellation for the reason set forth in 2.b.1. 2 30 days before the effective date of cancellation for the reason set forth in 2.b.2. 3 15 days before the effective date of cancellation for a reason set forth in 2.b.3 2.b.4 or 2.b.5. The written notice will state the reason for cancellation except that such statement may be omitted from a notice mailed to an additional insured or lienholder under this Policy. B. The following condition is added and supersedes any provision to the contrary Nonrenewal If we decide not to renew this Policy we will mail to the first Named Insured written notice of the nonrenewal not less than 30 days before the expiration date of the Policy. Proof of mailing will be sufficient proof of notice. ommon Policy e Period t less than 60 f a policy we ny reason by first Named ancellation at ective date of e cancellation e Policy has oply we may f the following Insurance Services Office Inc. 2014 Page 1 of 1 IL 0298 05 15 | 2 |
IL 02 68 01 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 1. 2. 3. and 5. of the Cancellation Common Policy Condition are replaced by the 2 Conviction of a crime arising out of acts increasing the hazard insured against following 3 1. The first Named Insured shown in the Declarations may cancel this entire policy by mailing or delivering to us advance written notice of cancellation. 2. Cancellation Of Policies In Effect a. 60 Days Or Less We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 1 30 days before the effective date of cancellation if we cancel for any reason not included in Paragraph A.2.b. below. 15 days before the effective date of cancellation if we cancel for any of the reasons included in Paragraph A.2.b. below. b. For More Than 60 Days If this policy has been in effect for more than 60 days or if this policy is a renewal or continuation of a policy we issued we may cancel only for any of the reasons listed below provided we mail the first Named Insured written notice at least 15 days before the effective date of cancellation 1 Nonpayment of premium provided however that a notice of cancellation on this ground shall inform the first Named Insured of the amount due Discovery of fraud or material misrepresentation in the obtaining of the policy or in the presentation of a claim After issuance of the policy or after the last renewal date discovery of an act or omission or a violation of any policy condition that substantially and materially increases the hazard insured against and which occurred subsequent to inception of the current policy period Material physical change in the property insured occurring after issuance or last annual renewal anniversary date of the policy which results in the property becoming uninsurable in accordance with our objective uniformly applied underwriting standards in effect at the time the policy was issued or last renewed or material change in the nature or extent of the risk occurring after issuance or last annual renewal anniversary date of the policy which causes the risk of loss to be substantially and materially increased beyond that contemplated at the time the policy was issued or last renewed 6 Required pursuant to a determination by the Superintendent that continuation of our present premium volume would jeopardize our solvency or be hazardous to the interest of our policyholders our creditors or the public 4 s Insurance Services Office Inc. 2013 Page 10of 5 IL 0268 0114 | 2 |
7 A determination by the Superintendent that the continuation of the policy would violate or would place us in violation of any provision of the Insurance Code or 8 Where we have reason to believe in good faith and with sufficient cause that there is a probable risk of danger that the insured will destroy or permit to be destroyed the insured property for the purpose of collecting the insurance proceeds. If we cancel for this reason you may make a written request to the Department of Financial Services within 10 days of receipt of this notice to review our cancellation decision. Also we will simultaneously send a copy of this cancellation notice to the Department of Financial Services. 3. We will mail or deliver our notice including the reason for cancellation to the first Named Insured at the address shown in the policy and to the authorized agent or broker. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. However when the premium is advanced under a premium finance agreement the cancellation refund will be pro rata. Under such financed policies we will be entitled to retain a minimum earned premium of 10 of the total policy premium or 60 whichever is greater. The cancellation will be effective even if we have not made or offered a refund. B. The following is added to the Cancellation Common Policy Condition 7. If one of the reasons for cancellation in Paragraph A.2.b. or D.2.b.2 exists we may cancel this entire policy even if the reason for cancellation pertains only to a new coverage or endorsement initially effective subsequent to the original issuance of this policy. C. The following conditions are added 1. Nonrenewal If we decide not to renew this policy we will send notice as provided in Paragraph C.3. below. 2. Conditional Renewal If we conditionally renew this policy subject to a. A change of limits. A change in type of coverage. A reduction of coverage. An increased deductible. An addition of exclusion or.Increased premiums in excess of 10 exclusive of any premium increase due to and commensurate with insured value added or increased exposure units or as a result of experience rating loss rating retrospective rating or audit we will send notice as provided in Paragraph C.3. below. 0 20 T. Notices Of Nonrenewal And Conditional Renewal a. If we decide not to renew this policy or to conditionally renew this policy as provided in Paragraphs C.1. and C.2. above we will mail or deliver written notice to the first Named Insured shown in the Declarations at least 60 but not more than 120 days before 1 The expiration date or 2 The anniversary date if this is a continuous policy. b. Notice will be mailed or delivered to the first Named Insured at the address shown in the policy and to the authorized agent or broker. If notice is mailed proof of mailing will be sufficient proof of notice. c. Notice will include the specific reasons for nonrenewal or conditional renewal including the amount of any premium increase for conditional renewal and description of any other changes. d. If we violate any of the provisions of Paragraph C.3.a. b. or c. above by sending the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice 1 And if notice is provided prior to the expiration date of this policy coverage will remain in effect at the same terms and conditions of this policy at the lower of the current rates or the prior period s rates untii 60 days after such notice is mailed or delivered unless the first Named Insured during this 60 day period has replaced the coverage or elects to cancel Page 2 of 5 Insurance Services Office Inc. 2013 IL 0268 0114 | 2 |
e. D. The 2 And if the notice is provided on or after the expiration date of this policy coverage will remain in effect at the same terms and conditions of this policy for another policy period at the lower of the current rates or the prior period s rates unless the first Named Insured during this additional policy period has replaced the coverage or elects to cancel. If you elect to renew on the basis of a late conditional renewal notice the terms conditions and rates set forth in such notice shall apply 1 Upon expiration of the 60 day period unless Subparagraph 2 below applies or 2 Notwithstanding the provisions in Paragraphs d.1 and d.2 as of the renewal date of the policy if the conditional renewal notice was sent at least 30 days prior to the expiration or anniversary date of the policy. We will not send you notice of nonrenewal or conditional renewal if you your authorized agent or broker or another insurer of yours mails or delivers notice that the policy has been replaced or is no longer desired. following provisions apply when the Commercial Property Coverage Part the Farm Coverage Part or the Capital Assets Program Output Policy Coverage Part is made a part of this policy 1. Items D.2. and D.3. apply if this policy meets the following conditions a. The policy is issued or issued for delivery in New York State covering property located in this state and b. The policy insures 1 For loss of or damage to structures other than hotels or motels used predominantly for residential purposes and consisting of no more than four dwelling units or 2 For loss of or damage to personal property other than farm personal property or business property or 3 Against damages arising from liability for loss of damage to or injury to persons or property except liability arising from business or farming and c. The portion of the annual premium attributable to the property and contingencies described in 1.b. exceeds the portion applicable to other property and contingencies. 2. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Procedure And Reasons For Cancellation a. We may cancel this entire policy by mailing or delivering to the first Named Insured written notice of cancellation at least 1 15 days before the effective date of cancellation if we cancel for nonpayment of premium provided however that a notice of cancellation on this ground shall inform the first Named Insured of the amount due or 30 days before the effective date of cancellation if we cancel for any other reason. b. But if this policy 1 Has been in effect for more than 60 days or 2 Is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium provided however that a notice of cancellation on this ground shall inform the first Named Insured of the amount due 2 Conviction of a crime arising out of acts increasing the risk of loss 3 Discovery of fraud or material misrepresentation in obtaining the policy or in making a claim 4 Discovery of willful or reckless acts or omissions increasing the risk of loss 5 Physical changes in the covered property that make that property uninsurable in accordance with our objective and uniformly applied underwriting standards in effect when we a Issued the policy or b Last voluntarily renewed the policy Insurance Services Office Inc. 2013 Page 3 of 5 IL 0268 0114 | 2 |
6 The Superintendent of Financial Services determination that continuing the policy would violate Chapter 28 of the Insurance Law or Required pursuant to a determination by the Superintendent of Financial Services that the continuation of our present premium volume would be hazardous to the interests of our policyholders our creditors or the public. 3. The following are added a. Conditional Continuation Instead of cancelling this policy we may continue it on the condition that 1 The policy limits be changed or 2 Any coverage not required by law be eliminated. If this policy is conditionally continued we will mail or deliver to the first Named Insured written notice at least 20 days before the effective date of the change or elimination. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. b. Nonrenewal If as allowed by the laws of New York State we 1 Do not renew this policy or 2 Condition policy renewal upon a Change of limits or b Elimination of coverage we will mail or deliver written notice of nonrenewal or conditional renewal a At least 45 days but b Not more than 60 days before the expiration date of the policy. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. E. The following is added to the Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions the Commercial Property Coverage Part and the Capital Assets Program Output Policy Coverage Part When the property is subject to the Anti arson Application in accordance with New York Department of Financial Services Insurance Regulation No. 96 the following provisions are added If you fail to return the completed signed and affirmed anti arson application to us 1. Or our broker or agent within 45 days of the effective date of a new policy we will cancel the entire policy by giving 20 days written notice to you and to the mortgageholder shown in the Declarations. 2. Before the expiration date of any policy we will cancel the policy by giving written notice to you and to the mortgageholder shown in the Declarations at least 15 days before the effective date of cancellation. The cancellation provisions set forth in E.1. and E.2. above supersede any contrary provisions in this policy including this endorsement. If the notice in E.1. or E.2. above is mailed proof of mailing will be sufficient proof of notice. Delivery of the notice will be the same as mailing. F. The following applies to the Commercial Property Coverage Part the Farm Coverage Part and the Capital Assets Program Output Policy Coverage Part Paragraphs f. and g. of the Mortgageholders Condition are replaced by the following f. Cancellation 1 If we cancel this policy we will give written notice to the mortgageholder at least a 10 days before the effective date of cancellation if we cancel for your nonpayment of premium or b 30 days before the effective date of cancellation if we cancel for any other reason. Page 4 of 5 Insurance Services Office Inc. 2013 IL 0268 0114 | 2 |
2 If you cancel this policy we will give written notice to the mortgageholder. With respect to the mortgageholder s interest only cancellation will become effective on the later of a The effective date of cancellation of the insured s coverage or b 10 days after we give notice to the mortgageholder. g. Nonrenewal 1 If we elect not to renew this policy we will give written notice to the mortgageholder at least 10 days before the expiration date of this policy. 2 If you elect not to renew this policy we will give written notice to the mortgageholder. With respect to the mortgageholder s interest only nonrenewal will become effective on the later of a The expiration date of the policy or b 10 days after we give notice to the mortgageholder. G. The following provisions apply when the following are made a part of this policy Commercial General Liability Coverage Part Employment Related Practices Liability Coverage Part Farm Liability Coverage Form Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part 1. The aggregate limits of this policy as shown in the Declarations will be increased in proportion to any policy extension provided in accordance with Paragraph C.3.d. above.. The last sentence of Limits Of Insurance does not apply when the policy period is extended because we sent the first Named Insured an incomplete or late conditional renewal notice or a late nonrenewal notice. Insurance Services Office Inc. 2013 Page 5of 5 IL 0268 0114 | 2 |
COMMERCIAL GENERAL LIABILITY CG 016307 11 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. Insuring Agreement 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 insurance 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 insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section ll 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 Coverages A or B or medical expenses under Coverage C. 2 No other obligation or liability to pay sums or perform acts or services is covered unless explicitty provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and 3 Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section I Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section I Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or CG 01630711 Insurance Services Office Inc. 2010 Page 1 of 3 | 2 |
3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. B. Paragraph 1.a. of Section Coverage B Personal And Advertising Injury 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 personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages 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 and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section ll Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A and B or medical expenses under Coverage c. No other obligation or liability to pay sums or perform acts or services is covered unless explicitty provided for under Supplementary 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 Section IV Commercial General Liability Conditions e. Notice given by or on behalf of the insured 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 General Liability Conditions is replaced by the following 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 damages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. b. With respect to bodily injury and personal 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 notice as soon as practicable then the injured person someone acting for the injured person or other claimant may bring an action against us provided the sole question is whether the denial of coverage or nonadmission of liability is based on the failure to provide timely notice. However the injured person someone acting for the injured person or other claimant may not bring an action if within 60 days after we deny coverage or do not admit liability we or an insured 1 Brings an action to declare the rights of the parties under the policy and 2 Names the injured person someone acting for the injured person or other claimant as a party to the action. Page 2 of 3 Insurance Services Office Inc. 2010 CG 016307 11 | 2 |
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 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. F. The definition of loading or unloading in the Definitions Section does not apply. CG 01630711 Insurance Services Office Inc. 2010 Page 3 of 3 | 2 |
COMMERCIAL GENERAL LIABILITY CG 01041204 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 B. Except as provided in Paragraph A. above the Section IV is replaced by the following Examination Of Your Books And Records PREMIUM AUDIT Common Policy Condition continues to apply. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retro spective premiums is the date shown as the due date on the bill. An audit to de termine the final premium due or to be re funded will be completed within 180 days after the expiration date of the policy. But the audit may be waived if the total annu al premium attributable to the auditable exposure base is not reasonably expec ted to exceed 1500. If the sum of the ad vance and audit premiums paid for the policy term is greater than the earned premium we will return the excess to the first Named Insured. CG 01041204 1SO Properties Inc. 2003 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 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 offenses claims or suits which have been repor ted to us and to which this insurance may apply the 1 General Aggregate Limit other than the Products Completed Operations Aggregate Limit 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 judgments or settlements we will notify the first Named Insured in writing to that effect. b. 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 writing 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. 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 reported to us before that limit is used up. That insured must cooperate in the transfer of control of said claims and suits. We agree to take such steps as we de appropriate to avoid a default in or conti the defense of such suits until such tran is completed provided the appropriate sured is cooperating in completing s transfer. We will take no action whatsoever with spect to any claim or suit seeking dama that would have been subject to that limit it not been used up if the claim or suit is ported to us after that limit of insurance been used up. The first Named Insured and any other sured involved in a suit seeking dama subject to that limit must arrange for the fense of such suit within such time perioc agreed to between the appropriate insu and us. Absent any such agreement arran ments for the defense of such suit must made as soon as practicable.. The first Named Insured will reimburse us for penses we incur in taking those steps we de appropriate in accordance with paragraph b above. The duty of the first Named Insured to reimbu us will begin on 1 The date on which the applicable limit of in ance is used up if we sent notice in acce ance with paragraph a. above or 2 The date on which we sent notice in accc ance with paragraph b.1 above if we did send notice in accordance with paragrapt above.. The exhaustion of any limit of insurance by payments of judgments or settlements and resulting end of our duty to defend will not be fected by our failure to comply with any of the 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 arrange ments 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 insur ance is used up if we sent notice in accord ance with paragraph a. above or 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 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 pro visions of this Condition. CG 26211091 Copyright Insurance Services Office Inc. 1991 Page 1 of 1 | 2 |
IL 02 69 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH CAROLINA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Cancellation Requirements b An act or omission by the insured or his or her representative that consti tutes material misrepresentation or nondisclosure of a material fact in a. Policies In Effect Less Than 60 Days obtaining this policy continuing this If this policy has been in effect for less than policy or presenting a claim under 60 days we may cancel this policy by mail this policy ing or delivering to the first Named Insured c Increased hazard or material written notice of cancellation at least change in the risk assumed that 1 15 days before the effective date of can could not have been reasonably con cellation if we cancel for nonpayment of templated by the parties at the time premium or of assumption of the risk 2 30 days before the effective date of can d Substantial breach of contractual cellation if we cancel for any other duties conditions or warranties that reason. materially affects the insurability of b. Policies In Effect More Than 60 Days the risk... e A fraudulent act against us by the in If this policy has been in elffefct for 60 days sured or his or her representative or more or is a renewal of a policy we that materially affects the insurability issued we may cancel this policy prior to of the risk the f Willful failure by the insured or his or 1 Expiration of the policy term or 2 Anniversary date stated in the policy only for one or more of the following reasons a Nonpayment of premium her representative to institute reas onable loss control measures that materially affect the insurability of the risk after written notice by us 1SO Properties Inc. 2007 Page 1 of 2 IL 02 69 09 08 | 2 |
g Loss of facultative reinsurance or loss of or substantial changes in ap plicable reinsurance as provided in G.S. 58 41 30 Conviction of the insured of a crime arising out of acts that materially af fect the insurability of the risk i A determination by the Commission er of Insurance that the continuation of the policy would place us in viola tion of the laws of North Carolina or You fail to meet the requirements contained in our corporate charter articles of incorporation or by laws when we are a company organized for the sole purpose of providing members of an organization with in surance coverage in North Carolina. h G We will mail or deliver written notice of can cellation to the first Named Insured at least i 15 days before the effective date of cancellation if we cancel for nonpayment of premium or ii 30 days before the effective date of cancellation if we cancel for any other reason.. Cancellation for nonpayment of premium will not become effective if you pay the premium amount due before the effective date of cancellation.. We may also cancel this policy for any reas on not stated above provided we obtain your prior written consent. B. The following provisions are added and super sede any other provisions to the contrary 1. Nonrenewal a. c. If we elect not to renew this policy we will mail or deliver to the first Named Insured shown in the Declarations written notice of nonrenewal at least 45 days prior to the 1 Expiration of the policy if this policy has been written for one year or less or 2 Anniversary date of the policy if this policy has been written for more than one year or for an indefinite term. We need not mail or deliver the notice of nonrenewal if you have 1 Insured property covered under this policy under any other insurance policy 2 Accepted replacement coverage or 3 Requested or agreed to nonrenewal of this policy. If notice is mailed proof of mailing will be sufficient proof of notice. 2. The written notice of cancellation or nonrenew al will a. b. Be mailed or delivered to the first Named Insured and any designated mortgagee or loss payee at their addresses shown in the policy or if not indicated in the policy at their last known addresses and State the reason or reasons for cancella tion or nonrenewal. Page 2 of 2 1SO Properties Inc. 2007 IL 02 69 09 08 | 2 |
IL 02 36 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OKLAHOMA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. We may cancel this policy by mailing or deliver ing to the first Named Insured written notice of cancellation at least a. b. 10 days before the effective date of cancella tion if we cancel for nonpayment of premium or 30 days before the effective date of cancella tion if we cancel for any other reason. After coverage has been in effect for more than 45 business days or after the effective date of a renewal of this policy no notice of cancellation will be issued by us unless it is based on at least one of the following reasons 1 Nonpayment of premium 2 Discovery of fraud or material misrepres entation in the procurement of the insur ance or with respect to any claims submit ted under it 3 Discovery of willful or reckless acts or omissions by you that increase any haz ard insured against 4 The occurrence of a change in the risk that substantially increases any hazard in sured against after insurance coverage has been issued or renewed 5 A violation of any local fire health safety building or construction regula tion or ordinance with respect to any covered property or its occupancy that substantially increases any hazard in sured against A determination by the Insurance Com missioner that the continuation of the policy would place us in violation of the insurance laws of this state 7 Your conviction of a crime having as one of its necessary elements an act in creasing any hazard insured against or 8 Loss of or substantial changes in applic able reinsurance. B. The following are added to the Common Policy Conditions and supersede any provisions to the contrary 1. Nonrenewal a. If we elect not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured at least 45 days before 1 The expiration date of this policy or 2 An anniversary date of this policy if it is written for a term longer than one year or with no fixed expiration date. 1SO Properties Inc. 2006 Page 1 of 2 IL 02 36 09 07 | 2 |
c. If notice is mailed 1 It will be considered to have been giv en to the first Named Insured on the day it is mailed. 2 Proof of mailing will be sufficient proof of notice. d. If the first Named Insured accepts the renewal the premium increase or cover age changes will be effective the day fol lowing the prior policy s expiration or an niversary date. e. If notice is not mailed or delivered at least 45 days before the expiration date or an niversary date of this policy the premium deductible limits and coverage in effect pri or to the changes will remain in effect until 1 45 days after notice is given or 2 The effective date of replacement cov erage obtained by the insured whichever occurs first. If the first Named Insured then elects not to renew any earned premium for the res ulting extended period of coverage will be calculated pro rata at the lower of the new rates or rates applicable to the expiring policy.. We will not provide notice of the following 1 Changes in a rate or plan filed pursu ant to the Property and Casualty Com petitive Loss Cost Rating Act applic able to an entire class of business 2 Changes which are based upon the altered nature or extent of the risk insured or 3 Changes in policy forms filed with or ap proved by the Insurance Commissioner and applicable to an entire class of business. b. Any notice of nonrenewal will be mailed or de livered to the first Named Insured at the last mailing address known to us. c. If notice is mailed 1 It will be considered to have been given to the first Named Insured on the day it is mailed. 2 Proof of mailing will be sufficient proof of notice. d. If notice of nonrenewal is not mailed or de livered at least 45 days before the expiration date or an anniversary date of this policy cov erage will remain in effect until 45 days after notice is given. Earned premium for such ex tended period of coverage will be calculated pro rata based on the rates applicable to the expiring policy. e. We will not provide notice of nonrenewal if 1 We or another company within the same insurance group have offered to issue a renewal policy or 2 You have obtained replacement coverage or have agreed in writing to obtain replace ment coverage. If we have provided the required notice of nonrenewal as described in B.1.a. above and thereafter extend the policy for a period of 90 days or less we will not provide an ad ditional nonrenewal notice with respect to the period of extension.. Premium Or Coverage Changes At Renewal a. If we elect to renew this policy we will give written notice of any premium increase change in deductible or reduction in limits or coverage to the first Named Insured at the last mailing address known to us. b. Any such notice will be mailed or delivered to the first Named Insured at least 45 days before 1 The expiration date of this policy or 2 An anniversary date of this policy if it is written for a term longer than one year or with no fixed expiration date. Page 2 of 2 1SO Properties Inc. 2006 IL 02 36 09 07 | 2 |
IL 0279 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OREGON CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following If this policy has been in effect for 2. a. b. Fewer than 60 days and is not a renewal policy we may cancel for any reason. 60 days or more or is a renewal policy we may cancel only for one or more of the follow ing reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge in obtaining the policy continuing the policy or in presenting a claim under the policy Substantial increase in the risk of loss after insurance coverage has been issued or renewed including but not limited to an increase in exposure due to rules legisla tion or court decision 4 Failure to comply with reasonable loss control recommendations 5 Substantial breach of contractual duties conditions or warranties 6 Determination by the commissioner that the continuation of a line of insurance or class of business to which the policy be longs will jeopardize our solvency or will place us in violation of the insurance laws of Oregon or any other state or 7 Loss or decrease in reinsurance cover ing the risk. c. 60 days or more or is a renewal policy we may cancel for any other reason approved by the commissioner by rule but only with respect to insurance provided under the following 1 A package policy that includes commer cial property and commercial liability insurance Commercial Automobile Coverage Part Commercial General Liability Coverage Part 4 Commercial Property Coverage Part Legal Liability Coverage Form Commercial Property Coverage Part Mortgageholders Errors And Omissions Coverage Form Employment related Practices Liability Coverage Part 7 Farm Coverage Part Farm Liability Coverage Form Liquor Liability Coverage Part Products Completed Operations Liabil ity Coverage Part or 10 Medical Professional Liability Coverage Part. 5 1SO Properties Inc. 2007 Page 1 of 2 IL 0279 09 08 | 2 |
However if this policy is issued for a term of more than one year and for additional consid eration the premium is guaranteed we may not refuse to renew the policy at its an niversary date. Nonrenewal will not be effective until at least 45 days after the first Named Insured receives our notice. 2. Mailing Of Notices a. If notice of cancellation or nonrenewal is mailed a post office certificate of mailing will be conclusive proof that the first Named Insured received the notice on the third calendar day after the date of the certi ficate of mailing.. The following provision applies with re spect to coverage provided under the Farm Coverage Part If the first Named Insured has affirmatively consented to our use of an electronic re cord to deliver notice of cancellation or non renewal and has not withdrawn such consent then the electronic record deliver ing notice of cancellation or nonrenewal satisfies the requirement that the notice of cancellation or nonrenewal be provided or made available to the first Named Insured in writing if we send the first Named In sured the electronic record with a request for a return receipt and we receive the re turn receipt. If we do not receive the return receipt we may cancel or nonrenew the policy only after providing or delivering the notice of cancellation or nonrenewal to the first Named Insured in writing subject to Paragraph 2.a. above. B. Paragraph 3. of the Cancellation Common Policy Condition is amended by the additon of the following 3. We will mail or deliver to the first Named Insured written notice of cancellation stating the reason for cancellation. C. The following is added to the Cancellation Com mon Policy Condition 7. Number Of Days Notice Of Cancellation a. With respect to insurance provided under 2.c.1 through 10 above cancellation will not be effective until at least 10 working days after the first Named Insured receives our notice. b. With respect to insurance other than that provided under 2.c.1 through 10 above cancellation will not be effective until at least 1 10 days after the first Named Insured re ceives our notice if we cancel for nonpay ment of premium or 2 30 days after the first Named Insured re ceives our notice if we cancel for any oth er reason. D. Paragraph 6. of the Cancellation Common Policy Condition does not apply. E. The following are added and supersede any provi sion to the contrary 1. Nonrenewal We may elect not to renew this policy by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal before the a. Expiration date of the policy or b. Anniversary date of the policy if the policy is written for a term of more than one year or without a fixed expiration date. Page 2 of 2 1SO Properties Inc. 2007 IL 0279 09 08 | 2 |
IL 014209 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OREGON CHANGES DOMESTIC PARTNERSHIP This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The term spouse is replaced by the following Spouse or individual who is in a domestic partner ship recognized under Oregon 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 domestic partnership recognized under Oregon law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or domestic partnership re cognized under Oregon law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Cover age Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Oregon law who is a resid ent of your household including a ward or foster child. 1SO Properties Inc. 2007 Page 1 of 1 IL 014209 08 | 2 |
IL 02 46 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PENNSYLVANIA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is replaced by the following CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this policy by writing or giving notice of cancellation. 2. Cancellation Of Policies In Effect For Less Than 60 Days We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 30 days before the effective date of cancellation. 3. Cancellation Of Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or if this policy is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons a. You have made a material misrepresentation which affects the insurability of the risk. Notice of cancellation will be mailed or delivered at least 15 days before the effective date of cancellation. b. You have failed to pay a premium when due whether the premium is payable directly to us or our agents or indirectly under a premium finance plan or extension of credit. Notice of cancellation will be mailed at least 15 days before the effective date of cancellation. c. A condition factor or loss experience material to insurability has changed substantially or a substantial condition factor or loss experience material to insurability has become known during the policy period. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. d. Loss of reinsurance or a substantial decrease in reinsurance has occurred which loss or decrease at the time of cancellation shall be certified to the Insurance Commissioner as directly affecting in force policies. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. 1SO Properties Inc. 2006 Page 1 of 2 IL 02 46 09 07 | 2 |
e. Material failure to comply with policy terms conditions or contractual duties. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. f. Other reasons that the Insurance Commissioner may approve. Notice of cancellation will be mailed or delivered at least 60 days before the effective date of cancellation. This policy may also be cancelled from inception upon discovery that the policy was obtained through fraudulent statements omissions or concealment of facts material to the acceptance of the risk or to the hazard assumed by us. 4. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. Notice of cancellation will state the specific reasons for cancellation. 5. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 6. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata and will be returned within 10 business days after the effective date of cancellation. If the first Named Insured cancels the refund may be less than pro rata and will be returned within 30 days after the effective date of cancellation. The cancellation will be effective even if we have not made or offered a refund. 7. If notice is mailed it will be by registered or first class mail. Proof of mailing will be sufficient proof of notice. B. The following are added and supersede any provisions to the contrary 1. Nonrenewal If we decide not to renew this policy we will mail or deliver written notice of nonrenewal stating the specific reasons for nonrenewal to the first Named Insured at least 60 days before the expiration date of the policy. 2. Increase Of Premium If we increase your renewal premium we will mail or deliver to the first Named Insured written notice of our intent to increase the premium at least 30 days before the effective date of the premium increase. Any notice of nonrenewal or renewal premium increase will be mailed or delivered to the first Named Insured s last known address. If notice is mailed it will be by registered or first class mail. Proof of mailing will be sufficient proof of notice. Page 2 of 2 1SO Properties Inc. 2006 IL 02 46 09 07 | 2 |
IL01201013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PENNSYLVANIA CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The provisions of Paragraph B. are added to all 5. Coverage C Mortgageholder s Liability under Insuring Agreements that set forth a duty to defend under 1. Section of the Commercial General Liability Commercial Liability Umbrella Electronic Data Liability Employment related Practices Liability Farm Liquor Liability Medical Professional Liability Owners And Contractors Protective Liability Pollution Liability Product Withdrawal Products Completed Operations Liability Railroad Protective Liability and 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 Il under the Auto Dealers and Motor Carrier Coverage Forms 4. Section A. Coverage under the Legal Liability Coverage Form and the Mortgageholder s Errors And Omissions Coverage Form. Paragraph B. also applies to any other provision in the policy that sets forth a duty to defend.. If we initially defend an insured insured or pay for an insured s insured s defense but later determine that none of the claims claims for which we provided a defense or defense costs are covered under this insurance we have the right to reimbursement for the defense costs we have incurred. The right to reimbursement under this provision will only apply to the costs we have incurred after we notify you in writing that there may not be coverage and that we are reserving our rights to terminate the defense or the payment of defense costs and to seek reimbursement for defense costs. Insurance Services Office Inc. 2013 Page 1 of 1 IL01201013 | 2 |
IL 0197 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition When an insurer or its agents recover payment on a casualty loss from a third party through subrogation the insurer must first pay the insured the deductible portion of the casualty loss less the prorated share of subrogation expenses and thereafter retain any funds in excess of the de ductible portion of the recovery. B. The following provision is added DIRECT LIABILITY OF INSURERS We will be directly liable for those sums the in sured becomes legally obligated to pay as dam ages to the injured party to which this insurance applies. In the event of that injured party s death we will be directly liable for those sums the in sured becomes legally obligated to pay as dam ages to the party entitled to sue as a result of the injured party s death and to which this insurance applies. 1SO Properties Inc. 2007 Page 1 of 1 m IL 0197 09 08 | 2 |
IL02730110 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. When this endorsement is attached to the Standard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy. B. With respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form Paragraph 1. of the Cancellation Common Policy Condition is replaced by the following 1. The first Named Insured shown in the Declarations may cancel this policy by giving mailing or delivering advance written notice of cancellation to us or to the insurance agent or producer who issued the policy. C. With respect to all Coverage Parts and Policies addressed in this endorsement the Cancellation Common Policy Condition is amended by replacing Paragraphs 2. 3. 5. and 6. with the following 2. We may cancel this policy by giving mailing or delivering to the first Named Insured and the insurance producer of record if any written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 30 days before the effective date of cancellation if we cancel for any other reason. If this policy has been in effect for 60 days or more or if this is a renewal of a policy we issued we may cancel only for one or more of the following reasons a. Nonpayment of premium b. Fraud or material misrepresentation made by you or with your knowledge in obtaining the policy continuing the policy or in presenting a claim under the policy Insurance Services Office Inc. 2010 Page 1 0of 3 IL 02730110 | 2 |
c. Activities or omissions on your part which increase any hazard insured against including a failure to comply with loss control recommendations d. Change in the risk which increases the risk of loss after insurance coverage has been issued or renewed including but not limited to an increase in exposure due to regulation legislation or court decision e. Loss or decrease of our reinsurance covering all or part of the risk or exposure covered by the policy f. Determination by the Commissioner of Insurance that the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of this state g. Owner or occupant incendiarism h. Violation or breach by you of any policy terms or conditions. Constructive or actual total loss of the Covered Property or j. Such other reasons as may be approved by the Commissioner of Insurance.. We will give mail or deliver written notice to the first Named Insured at the address shown on the policy and to the insurance producer of record if any. However with respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Employment Related Practices Liability Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form We will give mail or deliver written notice to the first Named Insured at the last address known to us and to the insurance producer of record if any.. If this policy is cancelled we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return premium a. We will compute return premium pro rata and round to the next higher whole dollar when this policy is 1 Cancelled at our request 2 Cancelled because you no longer have a financial or insurable interest in the property or business operation that is the subject of insurance Cancelled and rewritten by us or a member of our company group Cancelled after the first year if it is a prepaid policy written for a term of more than one year or Cancelled by us at the request of a premium finance company upon default of the first Named Insured when this policy is financed under a premium finance agreement. b. When this policy is cancelled at your request except when Paragraph a.2 a.3 or a.4 applies we will return 90 75 for Equipment Breakdown policies of the pro rata unearned premium rounded to the next higher whole dollar. However when such cancellation takes place during the first year of a multiyear prepaid policy we will return the full annual premium for the subsequent years. 6. Proof of giving mailing or delivering notice of cancellation will be sufficient proof of notice. 3 4 5 D. With respect to all Coverage Parts and Policies addressed in this endorsement the following is added to the Cancellation Common Policy Condition 7. We will provide you with the reason or reasons for cancellation if a. You request in writing a statement of the reasons for cancellation and b. You agree in writing to hold us harmless from liability for any 1 Communication giving notice of or specifying the reasons for cancellation or Statement made in connection with an attempt to discover or verify the existence of conditions which would be a reason for cancellation as provided under Paragraph C.2. Page 2 of 3 Insurance Services Office Inc. 2010 IL02730110 | 2 |
E. With respect to all Coverage Parts and Policies addressed in this endorsement the following is added and supersedes any provision to the contrary Nonrenewal 1. If we elect not to renew this policy we will give mail or deliver to the first Named Insured and the insurance producer of record if any written notice of nonrenewal at least 60 days before a. The expiration date of the policy or b. An anniversary date of the policy if the policy is written for a term longer than one year or with no fixed expiration date. 2. However we need not give mail or deliver this notice if a. We have offered to issue a renewal policy or b. The first Named Insured has obtained or has agreed in writing to obtain replacement coverage. F. The following is added to the Common Policy Conditions with respect to the Coverage Parts to which this endorsement applies except the Employment Related Practices Liability Coverage Part If notice of nonrenewal is mailed to the insured we shall forward the notice of nonrenewal to the last known address of the first Named Insured by first class mail and maintain proof of mailing by the United States Postal Service certificate of mailing. This proof of mailing will be sufficient proof of notice. G. With respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form The following is added to the Common Policy Conditions If notice of cancellation is mailed to the insured we shall forward the notice of cancellation to the last known address of the first Named Insured by first class mail and maintain proof of mailing by the United States Postal Service certificate of mailing. This proof of mailing will be sufficient proof of notice.. With respect to a loss payee named in the policy if any we will give mail or deliver written notice of cancellation subject to C.2. above and written notice of nonrenewal subject to E.1. above. Mailing will be accomplished in accordance with the applicable procedure stated in F. or G. above.. Under the Mortgageholders Condition the paragraphs pertaining to cancellaton and nonrenewal are replaced by the following 1. If we cancel this policy we will give mail or deliver written notice to the mortgageholder at least a. 10 days before the effective date of cancellation if we cancel for your nonpayment of premium or b. 30 days before the effective date of cancellation if we cancel for any other reason. 2. If we do not renew this policy we will give mail or deliver written notice to the mortgageholder at least 10 days before a. The expiration date of the policy or b. An anniversary date of the policy if the policy is written for a term longer than one year or with no fixed expiration date. Insurance Services Office Inc. 2010 Page 3 of 3 IL 02730110 | 2 |
IL01610312 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under Rhode Island law.. Under the Commercial Automobile Coverage Part the term family member is replaced by the following and supersedes any other provisions to the contrary Family member means a person related to 1. An individual Named Insured by blood adoption marriage or civil union recognized under Rhode Island law who is a resident of such Named Insured s household including a ward or foster child 2. The individual named in the Schedule by blood adoption marriage or civil union recognized under Rhode Island law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individuals endorsement is attached or 3. You by blood adoption marriage or civil union recognized under Rhode Island law who is a resident of your household including a ward or foster child if the Individual Named Insured endorsement is attached. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recognized under Rhode Island law who is a resident of your household including a ward or foster child. Insurance Services Office Inc. 2011 Page 1 of 1 IL 01610312 | 2 |
IL 0128 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. RHODE ISLAND CHANGES PREJUDGMENT INTEREST This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The paragraph in the Supplementary Payments Section relating to prejudgment interest is replaced by the following 1. Prejudgment interest awarded against you on the entire judgment if we reject a written settlement of fer by the plaintiff that is equal to or less than the applicable limit of insurance in this policy or 2. If Paragraph 1. above does not apply prejudg ment interest awarded against you on that part of the judgment we pay. For the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment related Practices Liability Cov erage Part Farm Coverage Part Farm Umbrella Liability Policy Liquor Liability Coverage Part Owners And Contractors Protective Liability Cov erage Part Pollution Liability Coverage Part Products Completed Operations Liability Cover age Part Medical Professional Liability Coverage Part Railroad Protective Liability Coverage Part and the Underground Storage Tank Policy the word you is replaced by the term the insured. 1SO Properties Inc. 2007 Page 1 of 1 m IL 0128 09 08 | 2 |
IL 02 49 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOUTH CAROLINA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. Paragraphs 2. and 3. of Cancellation Common Policy Condition are replaced by the following 2. We may cancel this policy by mailing or deliver ing to the first Named Insured and the agent if any written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of premium 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 and agent s last known addresses. B. The following is added to the Cancellation Com mon Policy Condition 7. Cancellation Of Pol Days Or More If this policy has been in effect for 120 days or more or is a renewal or continuation of a policy we issued we may cancel this policy only for one or more of the following reasons a. Nonpayment of premium ies In Effect For 120 b. Material misrepresentation of fact which if known to us would have caused us not to issue the policy c. Substantial change in the risk assumed ex cept to the extent that we should reason ably have foreseen the change or contem plated the risk in writing the policy d. Substantial breaches of contractual duties conditions or warranties or e. Loss of our reinsurance covering all or a significant portion of the particular policy insured or where continuation of the policy would imperil our solvency or place us in vi olation of the insurance laws of South Carolina. Prior to cancellation for reasons permitted in this Item e. we wil notify the Commissioner in writing at least 60 days prior to such cancellation and the Commis sioner will within 30 days of such notification approve or disapprove such action. Any notice of cancellation will state the precise reason for cancellation. ISO Properties Inc. 2007 Page 1 of 2 IL 0249 09 08 | 2 |
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