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2 Your employee if the covered auto is owned by that employee or a member of his or her household. 3 Someone using a covered auto while he or she is working in a business of selling servicing repairing parking or storing autos unless that business is yours. Anyone other than your employees partners if you are a partnership members if you are a limited liability company or a lessee or borrower or any of their employees while moving property to or from a covered auto. A partner if you are a partnership or a member if you are a limited liability company for a covered auto owned by him or her or a member of his or her household. c. Anyone liable for the conduct of an insured described above but only to the extent of that liability. 2. Coverage Extensions a. Supplementary Payments We will pay for the insured 1 All expenses we incur. 2 Up to 2000 for cost of bail bonds including bonds for related traffic law violations required because of an accident we cover. We do not have to furnish these bonds. The cost of bonds to release attachments in any suit against the insured we defend but only for bond amounts within our Limit of Insurance. All reasonable expenses incurred by the insured at our request including actual loss of earnings up to 250 a day because of time off from work. Al court costs taxed against the insured in any suit against the insured we defend. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. All interest on the full amount of any judgment that accrues after entry of the judgment in any suit against the insured we defend but our duty to pay interest ends when we have paid offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. 4 5 3 4 5 6 These payments will not reduce the Limit of Insurance. b. Out of state Coverage Extensions While a covered auto is away from the state where it is licensed we will 1 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. 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. We will not pay anyone more than once for the same elements of loss because of these extensions. B. Exclusions This insurance does not apply to any of the following 1. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. 2. Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages a. 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 or b. That the insured would have in the absence of the contract or agreement. 3. Workers Compensation Any obligation for which the insured or the insured s insurer may be held liable under any workers compensation disability benefits or unemployment compensation law or any similar law. 2 CA 00011013 Insurance Services Office Inc. 2011 Insured Copy Page 3 of 12 | 2 |
4. Employee Indemnification And Employer s Liabi Bodily injury to a. An employee of the insured arising out of and in the course of 1 Employment by the insured or 2 Performing the duties related to the conduct of the insured s business or b. The spouse child parent brother or sister of that employee as a consequence of Paragraph a. above. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. But this exclusion does not apply to bodily injury to domestic employees not entitled to workers compensation benefits or to liability assumed by the insured under an insured contract. For the purposes of the Coverage Form a domestic employee is a person engaged in household or domestic work performed principally in connection with a residence premises. 5. Fellow Employee Bodily injury to a. Any fellow employee of the insured arising out of and in the course of the fellow employee s employment or while performing duties related to the conduct of your business or b. The spouse child parent brother or sister of that fellow employee as a consequence of Paragraph a. above. 6. Care Custody Or Control Property damage to or covered pollution cost or expense involving property owned or transported by the insured or in the insured s care custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement. 7. Handling Of Property Bodily injury or property damage resulting from the handling of property a. Before it is moved from the place where it is accepted by the insured for movement into or onto the covered auto or b. After it is moved from the covered auto to the place where it is finally delivered by the insured. 8. Movement Of Property By Mechanical Device Bodily injury or property damage resulting from the movement of property by a mechanical device other than a hand truck unless the device is attached to the covered auto. 9. Operations Bodily injury or property damage arising out of the operation of a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definiton of mobile equipment or b. Machinery or equipment that is on attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. 10. Completed Operations Bodily injury or property damage arising out of your work after that work has been completed or abandoned. In this exclusion your work means a. Work or operations performed by you or on your behalf and b. Materials parts or equipment furnished in connection with such work or operations. Your work includes warranties or representations made at any time with respect to the fitness quality durability or performance of any of the items included in Paragraph a. or b. above. Your work will be deemed completed at the earliest of the following times 1 When all of the work called for in your contract has been completed 2 When all of the work to be done at the site has been completed if your contract calls for work at more than one site or When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. 3 Page 4 of 12 Insurance Services Office Inc. 2011 Insured Copy CA 00011013 | 2 |
11. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. Pollution Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a. That are or that are contained in any property that is 1 Being transported or towed by handled or handled for movement into onto or from the covered auto 2 Otherwise in the course of transit by or on behalf of the insured or 3 Being stored disposed of treated or processed in or upon the covered auto b. Before the pollutants or any property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto the covered auto or c. After the pollutants or any property in which the pollutants are contained are moved from the covered auto to the place where they are finally delivered disposed of or abandoned by the insured. Paragraph a. above does not apply to fuels lubricants fluids exhaust gases or other similar pollutants that are needed for or result from the normal electrical hydraulic or mechanical functioning of the covered auto or its parts if 1 The pollutants escape seep migrate or are discharged dispersed or released directly from an auto part designed by its manufacturer to hold store receive or dispose of such pollutants and The bodily injury property damage or covered pollution cost or expense does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the definition of mobile equipment. 2 Paragraphs b. and c. above of this exclusion do not apply to accidents that occur away from premises owned by or rented to an insured with respect to pollutants not in or upon a covered auto if a The pollutants or any property in which the pollutants are contained are upset overturned or damaged as a result of the maintenance or use of a covered auto and b The discharge dispersal seepage migration release or escape of the pollutants is caused directly by such upset overturn or damage. 12. War Bodily injury or property damage arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. 13. Racing Covered autos while used in any professional or organized racing or demolition contest or stunting activity or while practicing for such contest or activity. This insurance also does not apply while that covered auto is being prepared for such a contest or activity. C. Limit Of Insurance Regardless of the number of covered autos insureds premiums paid claims made or vehicles involved in the accident the most we will pay for the total of all damages and covered pollution cost or expense combined resulting from any one accident is the Limit Of Insurance for Covered Autos Liability Coverage shown in the Declarations. CA 00011013 Insurance Services Office Inc. 2011 Insured Copy Page 5 of 12 | 2 |
All bodily injury property damage and covered pollution cost or expense resulting from continuous or repeated exposure to substantially the same conditions will be considered as resulting from one accident. No one will be entitled to receive duplicate payments for the same elements of loss under this Coverage Form and any Medical Payments Coverage endorsement Uninsured Motorists Coverage endorsement or Underinsured Motorists Coverage endorsement attached to this Coverage Part. SECTION lll PHYSICAL DAMAGE COVERAGE A. Coverage 1. We will pay for loss to a covered auto or its equipment under a. Comprehensive Coverage From any cause except 1 The covered auto s collision with another object or 2 The covered auto s overturn. b. Specified Causes Of Loss Coverage Caused by 1 Fire lightning or explosion 2 Theft 3 Windstorm hail or earthquake 4 Flood 5 Mischief or vandalism or 6 The sinking burning collision or derailment of any conveyance transporting the covered auto. c. Collision Coverage Caused by 1 The covered auto s collision with another object or 2 The covered auto s overturn. 2. Towing We will pay up to the limit shown in the Declarations for towing and labor costs incurred each time a covered auto of the private passenger type is disabled. However the labor must be performed at the place of disablement. 3. Glass Breakage Hitting A Bird Or Animal Falling Objects Or Missiles If you carry Comprehensive Coverage for the damaged covered auto we will pay for the following under Comprehensive Coverage a. Glass breakage b. Loss caused by hitting a bird or animal and c. Loss caused by falling objects or missiles. However you have the option of having glass breakage caused by a covered auto s collision or overturn considered a loss under Collision Coverage. 4. Coverage Extensions a. Transportation Expenses We will pay up to 20 per day to a maximum of 600 for temporary transportation expense incurred by you because of the total theft of a covered auto of the private passenger type. We will pay only for those covered autos for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending regardless of the policy s expiration when the covered auto is returned to use or we pay for its loss. b. Loss Of Use Expenses For Hired Auto Physical Damage we will pay expenses for which an insured becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or agreement. We will pay for loss of use expenses if caused by 1 Other than collision only if the Declarations indicates that Comprehensive Coverage is provided for any covered auto 2 Specified Causes Of Loss only if the Declarations indicates that Specified Causes Of Loss Coverage is provided for any covered auto or Page 6 of 12 Insurance Services Office Inc. 2011 Insured Copy CA 00011013 | 2 |
3 Collision only if the Declarations indicates that Collision Coverage is provided for any covered auto. However the most we will pay for any expenses for loss of use is 20 per day to a maximum of 600. B. Exclusions 1. We will not pay for loss caused by or resulting from any of the following. Such loss is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. a. Nuclear Hazard 1 The explosion of any weapon employing atomic fission or fusion or 2 Nuclear reaction or radiation or radioactive contamination however caused. b. War Or tary Action 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. 2. We will not pay for loss to any covered auto while used in any professional or organized racing or demolition contest or stunting activity or while practicing for such contest or activity. We will also not pay for loss to any covered auto while that covered auto is being prepared for such a contest or activity. 3. We will not pay for loss due and confined to a. Wear and tear freezing mechanical or electrical breakdown. b. Blowouts punctures or other road damage to tires. This exclusion does not apply to such loss resulting from the total theft of a covered auto. 4. We will not pay for loss to any of the following a. Tapes records discs or other similar audio visual or data electronic devices designed for use with audio visual or data electronic equipment. 3 b. Any device designed or used to detect speed measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed measuring equipment. c. Any electronic equipment without regard to whether this equipment is permanently installed that reproduces receives or transmits audio visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above. 5. Exclusions 4.c. and 4.d. do not apply to equipment designed to be operated solely by use of the power from the auto s electrical system that at the time of loss is a. Permanently installed in or upon the covered auto b. Removable from a housing unit which is permanently installed in or upon the covered auto c. An integral part of the same unit housing any electronic equipment described in Paragraphs a. and b. above or d. Necessary for the normal operation of the covered auto or the monitoring of the covered auto s operating system. 6. We will not pay for loss to a covered auto due to diminution in value. C. Limits Of Insurance 1. The most we will pay for a. Loss to any one covered auto is the lesser of 1 The actual cash value of the damaged or stolen property as of the time of the loss or 2 The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. b. All electronic equipment that reproduces receives or transmits audio visual or data signals in any one loss is 1000 if at the time of loss such electronic equipment is 1 Permanently installed in or upon the covered auto in a housing opening or other location that is not normally used by the auto manufacturer for the installation of such equipment CA 00011013 Insurance Services Office Inc. 2011 Insured Copy Page 7 of 12 | 2 |
2 Removable from a permanently installed housing unit as described in Paragraph b.1 above or 3 An integral part of such equipment as described in Paragraphs b.1 and b.2 above. 2. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total loss. 3. If a repair or replacement results in better than like kind or quality we will not pay for the amount of the betterment. D. Deductible For each covered auto our obligation to pay for repair return or replace damaged or stolen property will be reduced by the applicable deductible shown in the Declarations. Any Comprehensive Coverage deductible shown in the Declarations does not apply to loss caused by fire or lightning. SECTION IV BUSINESS AUTO CONDITIONS The following conditions apply in addition to the Common Policy Conditions A. Loss Conditions 1. Appraisal For Physical Damage Loss If you and we disagree on the amount of loss either may demand an appraisal of the loss. In this event each party will select a competent appraiser. The two appraisers will select a competent and impartial umpire. The appraisers will state separately the actual cash value and amount of loss. If they fail to agree they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will a. Pay its chosen appraiser and b. Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal we will still retain our right to deny the claim. 2. Duties In The Event Of Accident Claim Suit Or Loss We have no duty to provide coverage under this policy unless there has been full compliance with the following duties a. In the event of accident claim suit or loss you must give us or our authorized representative prompt notice of the accident or loss. Include 1 How when and where the accident or loss occurred b. c. 2 The insured s name and address and 3 To the extent possible the names and addresses of any injured persons and witnesses. Additionally you and any other involved insured must 1 Assume no obligation make no payment or incur no expense without our consent except at the insured s own cost. 2 Immediately send us copies of any request demand order notice summons or legal paper received concerning the claim or suit. 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit. Authorize us to obtain medical records or other pertinent information. 5 Submit to examination at our expense by physicians of our choice as often as we reasonably require. If there is loss to a covered auto or its equipment you must also do the following 1 Promptly notify the police if the covered auto or any of its equipment is stolen. 2 Take all reasonable steps to protect the covered auto from further damage. Also keep a record of your expenses for consideration in the settlement of the claim. 3 Permit us to inspect the covered auto and records proving the loss before its repair or disposition. 4 Agree to examinations under oath at our request and give us a signed statement of your answers. 4 3. Legal Action Against Us No one may bring a legal action against us under this Coverage Form until b. There has been full compliance with all the terms of this Coverage Form and Under Covered Autos Liability Coverage we agree in writing that the insured has an obligation to pay or until the amount of that obligation has finally been determined by judgment after trial. No one has the right under this policy to bring us into an action to determine the insured s liability. Page 8 of 12 Insurance Services Office Inc. 2011 Insured Copy CA 00011013 | 2 |
4. Loss Payment Physical Damage Coverages At our option we may a. Pay for repair or replace damaged or stolen property b. Return the stolen property at our expense. We will pay for any damage that results to the auto from the theft or c. Take all or any part of the damaged or stolen property at an agreed or appraised value. If we pay for the loss our payment will include the applicable sales tax for the damaged or stolen property. 5. Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after accident or loss to impair them. B. General Conditions 1. Bankruptcy Bankruptcy or insolvency of the insured or the insured s estate will not relieve us of any obligations under this Coverage Form. 2. Concealment Misrepresentation Or Fraud This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other insured at any time intentionally conceals or misrepresents a material fact concerning a. This Coverage Form b. The covered auto c. Your interest in the covered auto or d. A claim under this Coverage Form. 3. Liberalization If we revise this Coverage Form to provide more coverage without additional premium charge your policy will automatically provide the additional coverage as of the day the revision is effective in your state. 4. No Benefit To Bailee Physical Damage Coverages We will not recognize any assignment or grant any coverage for the benefit of any person or organization holding storing or transporting property for a fee regardless of any other provision of this Coverage Form. CA00011013 Insurance Servic 5. Other Insurance a. For any covered auto you own this Coverage Form provides primary insurance. For any covered auto you do nt own the insurance provided by this Coverage Form is excess over any other collectible insurance. However while a covered auto which is a trailer is connected to another vehicle the Covered Autos Liability Coverage this Coverage Form provides for the trailer is 1 Excess while it is connected to a motor vehicle you do not own or 2 Primary while it is connected to a covered auto you own. b. For Hired Auto Physical Damage Coverage any covered auto you lease hire rent or borrow is deemed to be a covered auto you own. However any auto that is leased hired rented or borrowed with a driver is not a covered auto. c. Regardless of the provisions of Paragraph a. above this Coverage Form s Covered Autos Liability Coverage is primary for any liability assumed under an insured contract. d. When this Coverage Form and any other Coverage Form or policy covers on the same basis either excess or primary we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis. 6. Premium Audit a. The estimated premium for this Coverage Form is based on the exposures you told us you would have when this policy began. We will compute the final premium due when we determine your actual exposures. The estimated total premium will be credited against the final premium due and the first Named Insured will be billed for the balance if any. The due date for the final premium or retrospective premium is the date shown as the due date on the bill. If the estimated total premium exceeds the final premium due the first Named Insured will get a refund. b. If this policy is issued for more than one year the premium for this Coverage Form will be computed annually based on our rates or premiums in effect at the beginning of each year of the policy. Insurance Services Office Inc. 2011 Insured Copy Page 9 of 12 | 2 |
7. Policy Period Coverage Territory Under this Coverage Form we cover accidents and losses occurring a. During the policy period shown in the Declarations and b. Within the coverage territory. The coverage territory is 1 The United States of America 2 The territories and possessions of the United States of America 3 Puerto Rico 4 Canada and 5 Anywhere in the world if a covered auto of the private passenger type is leased hired rented or borrowed without a driver for a period of 30 days or less provided that the insured s responsibility to pay damages is determined in a suit on the merits in the United States of America the territories and possessions of the United States of America Puerto Rico or Canada or in a settlement we agree to. We also cover loss to or accidents involving a covered auto while being transported between any of these places. 8. Two Or More Coverage Forms Or Policies Issued By Us If this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with us applies to the same accident the aggregate maximum Limit of Insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy. This condition does not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form. SECTION V DEFINITIONS A. Accident includes continuous or repeated exposure to the same conditions resulting in bodily injury or property damage.. Auto means 1. A land motor vehicle trailer or semitrailer designed for travel on public roads or 2. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these.. Covered pollution cost or expense means any cost or expense arising out of 1. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2. Any claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. Covered pollution cost or expense does not include any cost or expense arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a. That are or that are contained in any property that is 1 Being transported or towed by handled or handled for movement into onto or from the covered auto 2 Otherwise in the course of transit by or on behalf of the insured or 3 Being stored disposed of treated or processed in or upon the covered auto b. Before the pollutants or any property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto the covered auto or c. After the pollutants or any property in which the pollutants are contained are moved from the covered auto to the place where they are finally delivered disposed of or abandoned by the insured. Page 10 of 12 Insurance Services Office Inc. 2011 Insured Copy CA 00011013 | 2 |
Paragraph a. above does not apply to fuels lubricants fluids exhaust gases or other similar pollutants that are needed for or result from the normal electrical hydraulic or mechanical functioning of the covered auto or its parts if 1 The pollutants escape seep migrate or are discharged dispersed or released directly from an auto part designed by its manufacturer to hold store receive or dispose of such pollutants and The bodily injury property damage or covered pollution cost or expense does not arise out of the operation of any equipment listed in Paragraph 6.b. or 6.c. of the definition of mobile equipment. Paragraphs b. and c. above do not apply to accidents that occur away from premises owned by or rented to an insured with respect to pollutants not in or upon a covered auto if 2 a The pollutants or any property in which the pollutants are contained are upset overturned or damaged as a result of the maintenance or use of a covered auto and b The discharge dispersal seepage migration release or escape of the pollutants is caused directly by such upset overturn or damage. Diminution in value means the actual or perceived loss in market value or resale value which results from a direct and accidental loss.. Employee includes a leased worker. Employee does not include a temporary worker.. Insured means any person or organization qualifying as an insured in the Who Is An Insured provision of the applicable coverage. Except with respect to the Limit of Insurance the coverage afforded applies separately to each insured who is seeking coverage or against whom a claim or suit is brought.. Insured contract means 1. Alease of premises 2. A sidetrack agreement 3. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad 4. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality 5. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another to pay for bodily injury or property damage to a third party or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement or 6. That part of any contract or agreement entered into as part of your business pertaining to the rental or lease by you or any of your employees of any auto. However such contract or agreement shall not be considered an insured contract to the extent that it obligates you or any of your employees to pay for property damage to any auto rented or leased by you or any of your employees. An insured contract does not include that part of any contract or agreement a. That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks roadbeds tunnel underpass or crossing b. That pertains to the loan lease or rental of an auto to you or any of your employees if the auto is loaned leased or rented with a driver or c. That holds a person or organization engaged in the business of transporting property by auto for hire harmless for your use of a covered auto over a route or territory that person or organization is authorized to serve by public authority. I. Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker.. Loss means direct and accidental loss or damage. K. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment 1. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads 2. Vehicles maintained for use solely on or next to premises you own or rent 3. Vehicles that travel on crawler treads CA 00011013 Insurance Services Office Inc. 2011 Insured Copy Page 11 of 12 | 2 |
4. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted a. Power cranes shovels loaders diggers or drills or b. Road construction or resurfacing equipment such as graders scrapers or rollers 5. Vehicles not described in Paragraph 1. 2. 3. or 4. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types a. Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or b. Cherry pickers and similar devices used to raise or lower workers or 6. Vehicles not described in Paragraph 1. 2. 3. or 4. 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 a. Equipment designed primarily for 1 Snow removal 2 Road maintenance but not construction or resurfacing or 3 Street cleaning b. Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and c. Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting or well servicing equipment. However mobile equipment does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. L. Pollutants means any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. M. Property damage means damage to or loss of use of tangible property. N. Suit means a civil proceeding in which 1. Damages because of bodily injury or property damage or 2. Acovered pollution cost or expense to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages or covered pollution costs or expenses are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages or covered pollution costs or expenses are claimed and to which the insured submits with our consent. 0. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. P. Trailer includes semitrailer. Page 12 of 12 Insurance Services Office Inc. 2011 Insured Copy CA 00011013 | 2 |
COMMERCIAL AUTO CA 01601013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IOWA CHANGES This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided under this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. Changes In Conditions The following is added to the Legal Action Against Us Condition However a judgment creditor shall have a right to sue us to recover an execution on a judgment returned unsatisfied against an insured to the same extent that such insured could have enforced the insured s claim against us had the insured paid such judgment but we will not be liable for damages that are in excess of the applicable limit of insurance. CA 01601013 Insurance Services Office Inc. 2012 Insured Copy Page 1 0of 1 | 2 |
POLICY NUMBER CPP117939A POLICY NUMBER CPP117939A COMMERCIAL AUTO CA 03021013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY COVERAGE This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured Endorsement Effective Date SCHEDULE Covered Autos Liability Coverage and Paragraph A. Bodily Injury And Property Damage Liability of Section Il General Liability Coverages in the Auto Dealers Coverage Form are subject to one of the following two deductibles shown below Liability Deductible Per Accident OR 10000 Property Damage Only Liability Deductible Per Accident Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Liability Deductible C. Our Right To Reimbursement If a Liability Deductible and not a Property Damage Only Liability Deductible is shown in the Schedule the damages resulting from any one accident that are otherwise payable will be reduced by the Liability Deductible shown in the Schedule prior to the application of the Limit of Insurance provision. B. Property Damage Only Liability Deductible If a Property Damage Only Liability Deductible and not a Liability Deductible is shown in the Schedule the damages resulting from any one accident that are otherwise payable for property damage will be reduced by the Property Damage Only Liability Deductible shown in the Schedule prior to the application of the Limit of Insurance provision. To settle any claim or suit we will pay all or any part of any deductible shown in the Schedule. You must reimburse us for the deductible or the part of the deductible we paid. tive Nata CA 03021013 Insurance Services Office Inc. 2011 nsured Copy Page 1 0of 1 | 2 |
COMMERCIAL AUTO CA 04491116 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. A. The following is added to the Other Insurance Condition in the Business Auto Coverage Form and the Other Insurance Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form and supersedes any provision to the contrary This Coverage Form s Covered Autos Liability Coverage is primary to and will not seek contribution from any other insurance available to an insured under your policy provided that 1. Such insured is a Named Insured under such other insurance and 2. You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to such insured. B. The following is added to the Other Insurance Condition in the Auto Dealers Coverage Form and supersedes any provision to the contrary This Coverage Form s Covered Autos Liability Coverage and General Liability Coverages are primary to and will not seek contribution from any other insurance available to an insured under your policy provided that 1. Such insured is a Named Insured under such other insurance and 2. You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to such insured. B. The following is added to the Other Insurance Condition in the Auto Dealers Coverage Form and supersedes any provision to the contrary This Coverage Form s Covered Autos Liability Coverage and General Liability Coverages are primary to and will not seek contribution from any other insurance available to an insured under your policy provided that 1. 2. Such insured is a Named Insured under such other insurance and You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to such insured. CA 04491116 Insurance Services Office Inc. 2016 Insured Copy Page 1 of 1 | 2 |
POLICY NUMBER CPP117939A POLICY NUMBER CPP117939A COMMERCIAL AUTO CA 21121013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IOWA UNINSURED AND UNDERINSURED MOTORISTS COVERAGE For a covered auto licensed or principally garaged in or auto dealer operations conducted in lowa this endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured Endorsement Effective Date SCHEDULE Limit Of Insurance 1000000 Each Accident The definition of uninsured motor vehicle in this endorsement applies in its entirety unless an X is entered below If an X is entered in this box Paragraph b. of the definition of uninsured motor vehicle does not apply. If an X is entered in this box only Paragraph b. of the definition of uninsured motor vehicle applies. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Coverage 1. We will pay all sums the insured is legally 2. With respect to damages resulting from an accident with a vehicle described in entitled to recover as compensatory damages from the owner or driver of an uninsured motor vehicle. The damages must result from bodily injury caused by an accident. The owner s or driver s liability for these damages must result from the ownership maintenance or use of the uninsured motor vehicle. Paragraph b. of the definition of uninsured motor vehicle we will pay under the coverage selected under this endorsement only if Paragraph a. or b. below applies a. The limit of any applicable liability bonds or policies have been exhausted by payment of judgments or settlements or tive Nata CA21121013 Insurance Services Office Inc. 2012 Insured Copy Page 10f 4 | 2 |
b. A tentative settlement has been made between an insured and the insurer of the vehicle described in Paragraph b. of the definition of uninsured motor vehicle and we 1 Have been given prompt written notice of such tentative settlement and 2 Advance payment to the insured in an amount equal to the tentative settlement within 30 days after receipt of notification. B. Who Is An Insured If the Named Insured is designated in the Declarations as 1. Anindividual then the following are insureds a. The Named Insured and any family members. b. Anyone else occupying a covered auto or a temporary substitute for a covered auto. The covered auto must be out of service because of its breakdown repair servicing loss or destruction. c. Anyone for damages he or she is entitled to recover because of bodily injury sustained by another insured. 2. A partnership limited liability company corporation or any other form of organization then the following are insureds a. Anyone occupying a covered auto or a temporary substitute for a covered auto. The covered auto must be out of service because of its breakdown repair servicing loss or destruction. b. Anyone for damages he or she is entitled to recover because of bodily injury sustained by another insured. C. Exclusions This insurance does not apply to any of the following 1. Any claim settled without our consent. However this exclusion does not apply to a settlement made with the insurer of a vehicle described in Paragraph b. of the definition of uninsured motor vehicle in accordance with the procedure described in Paragraph A.2.b. 2. The direct or indirect benefit of any insurer or self insurer under any workers compensation disability benefits or similar law. 3. Anyone using a vehicle without a reasonable belief that the person is entitled to do so. 4. Bodily injury sustained by an individual Named Insured while occupying or struck by any vehicle owned by that Named Insured which is not a covered auto. 5. Punitive or exemplary damages. 6. Bodily injury arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. D. Limit Of Insurance 1. Regardless of the number of covered autos insureds premiums paid claims made or vehicles involved in the accident the most we will pay for all damages resulting from any one accident is the Limit Of Insurance for Uninsured And Underinsured Motorists Coverage shown in this endorsement. 2. With respect to damages resulting from an accident with an uninsured motor vehicle as defined in Paragraphs F.3.a. c. and d. of the definition of uninsured motor vehicle the Limit of Insurance shall be reduced by a. All sums paid or payable under any workers compensation disability benefits or similar law and b. All sums paid by or for anyone who is legally responsible including all sums paid under this Coverage Form s Covered Autos Liability Coverage. 3. No one will be entitled to receive duplicate payments for the same elements of loss under this Coverage and any Liability Coverage Form. We will not make a duplicate payment under this Coverage for any element of loss for which payment has been made by or for anyone who is legally responsible. We will not pay for any element of loss if a person is entitled to receive payment for the same element of loss under any workers compensation disability benefits or similar law. Page 2 of 4 Insurance Services Office Inc. 2012 Insured Copy CA21121013 | 2 |
E. Changes In Conditions The Conditions of the policy are changed for Uninsured And Underinsured Motorists Coverage as follows 1. Other Insurance in the Auto Dealers and Business Auto Coverage Forms and Other Insurance Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form are replaced by the following If there is other applicable insurance available under one or more policies or provisions of coverage a. The maximum recovery under all Coverage Forms or policies combined may equal but not exceed the highest applicable limit for any one vehicle under any Coverage Form or policy providing coverage on either a primary or excess basis. b. Any insurance we provide with respect to a vehicle the Named Insured does not own shall be excess over any other collectible uninsured or underinsured motorists insurance providing coverage on a primary basis. c. If the coverage under this Coverage Form is provided 1 On a primary basis we will pay only our share of the loss that must be paid under insurance providing coverage on a primary basis. Our share is the proportion that our limit of liability bears to the total of all applicable limits of liability for coverage on a primary basis. 2 On an excess basis we will pay only our share of the loss that must be paid under insurance providing coverage on an excess basis. Our share is the proportion that our limit of liability bears to the total of all applicable limits of liability for coverage on an excess basis. 2. Duties In The Event Of Accident Claim Suit Or Loss in the Business Auto and Motor Carrier Coverage Forms and Duties In The Event Of Accident Claim Offense Suit Loss Or Acts Errors Or Omissions in the Auto Dealers Coverage Form are changed by adding the following a. Promptly notify the police if a hit and run driver is involved and b. Promptly send us copies of the legal papers if a suit is brought. c. A person seeking coverage from an insurer owner or operator of a vehicle described in Paragraph b. of the definition of uninsured motor vehicle must also promptly notify us in writing of a tentative settlement between the insured and the insurer and allow us to advance payment to that insured in an amount equal to the tentative settlement within 30 days after receipt of notification to preserve our rights against the insurer owner or operator of such vehicle. 3. The Legal Action Against Us Provision is replaced by the following Legal Action Against Us a. No one may bring a legal action against us under this Coverage Form until there has been full compliance with all the terms of this Coverage Form and b. Any legal action against us under this Coverage Form must be brought within two years after the date of the accident. However this Paragraph 3.b. does not apply if within two years after the date of the accident the insured has filed an action for bodily injury against the owner or operator of a vehicle described in Paragraph b. of the definition of uninsured motor vehicle and such action is 1 Filed in a court of competent jurisdiction and 2 Not barred by the applicable state statute of limitations. In the event that the two year time limitation identified in this condition does not apply the applicable state statute of limitations will govern legal action against us under this Coverage Form. 4. Transfer Of Rights Of Recovery Against Others To Us is replaced by the following Transfer Of Rights Of Recovery Against Others To Us a. With respect to Paragraph b. of the definition of uninsured motor vehicle if any person or organization to or for whom we make payment under this coverage has rights to recover damages from another those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after accident or loss to prejudice them. CA21121013 Insurance Services Office Inc. 2012 Insured Copy Page 3 of 4 | 2 |
b. If we make any payment and the insured recovers from another party the insured shall hold the proceeds in trust for us and pay us back the amount we have paid less our pro rata share of expenses incurred in recovering those damages. However with respect to Paragraph b. of the definition of uninsured motor vehicle we shall be entitled to recovery only after the insured has been fully compensated for damages. Our rights do not apply under this provision with respect to damages caused by an accident with a vehicle described in Paragraph b. of the definition of uninsured motor vehicle if we 1 Have been given prompt written notice of a tentative settiement between an insured and the insurer of a vehicle described in Paragraph b. of the definition of uninsured motor vehicle and 2 Fail to advance payment to the insured in an amount equal to the tentative settlement within 30 days after receipt of notification. If we advance payment to the insured in an amount equal to the tentative settlement within 30 days after receipt of notification 1 That payment will be separate from any amount the insured is entited to recover under the provisions of Uninsured Motorists Coverage and 2 We also have a right to recover the advance payment. F. Additional Definitions As used in this endorsement 1. Family member means a person related to an individual Named Insured by blood marriage or adoption who is a resident of such Named Insured s household including a ward or foster child. 2. 3. Occupying means in upon getting in on out or off. Uninsured motor vehicle means a land motor vehicle or trailer a. For which no liability bond or policy at the time of an accident provides at least the amounts required by the lowa Motor Vehicle and Safety Responsibility Act or b. That is an underinsured motor vehicle. An underinsured motor vehicle is a land motor vehicle or trailer for which the sum of all liability bonds or policies at the time of the accident do not provide at least the amount an insured is legally entitled to recover as damages resulting from bodily injury caused by the accident. c. For which an insuring or bonding company denies coverage or is or becomes insolvent or d. Thatis a hit and run vehicle and neither the driver nor owner can be identified. The vehicle must hit an insured a covered auto or a vehicle an insured is occupying. However uninsured motor vehicle does not include any vehicle a. Owned or operated by a self insurer under any applicable motor vehicle law except a self insurer who is or becomes insolvent and can not provide the amounts required by that motor vehicle law b. Owned by a governmental unit or agency or c. Designed for use mainly off public roads while not on public roads. Page 4 of 4 Insurance Services Office Inc. 2012 Insured Copy CA21121013 | 2 |
COMMERCIAL AUTO CA 23051013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WRONG DELIVERY OF LIQUID PRODUCTS This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. Covered Autos Liability Coverage is changed by Delivery is considered completed even if further adding the following exclusion service or maintenance work or correction repair or This insurance does not apply to replacement is required because of wrong delivery. Bodily injury or property damage resulting from the delivery of any liquid into the wrong receptacle or to the wrong address or from the delivery of one liquid for another if the bodily injury or property damage occurs after delivery has been completed. Delivery is considered completed even if further service or maintenance work or correction repair or replacement is required because of wrong delivery. CA 23051013 Insurance Services Office Inc. 2011 Insured Copy Page 1 0of 1 | 2 |
COMMERCIAL AUTO CA 23841013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF TERRORISM This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM SINGLE INTEREST AUTOMOBILE PHYSICAL DAMAGE INSURANCE POLICY With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. A. The following definitions are added and apply under this endorsement wherever the term terrorism or the phrase any injury damage loss or expense is enclosed in quotation marks 1. Terrorism means activities against persons organizations or property of any nature a. That involve the following or preparation for the following 1 Use or threat of force or violence or 2 Commission or threat of a dangerous act or 3 Commission or threat of an act that interferes with or disrupts an electronic communication information or mechanical system and b. When one or both of the following apply 1 The effect is to intimidate or coerce a government or the civilian population or any segment thereof or to disrupt any segment of the economy or It appears that the intent is to intimidate or coerce a government or to further political ideological religious social or economic objectives or to express or express opposition to a philosophy or ideology. 2 2. Any injury damage loss or expense means any injury damage loss or expense covered under any Coverage Form or Policy to which this endorsement is applicable and includes but is not limited to bodily injury property damage personal and advertising injury loss loss of use rental reimbursement after loss or covered pollution cost or expense as may be defined under this Coverage Form Policy or any applicable endorsement. B. Except with respect to Physical Coverage Trailer Interchange Garagekeepers Coverage Garagekeepers Coverage Customers Sound Receiving Equipment or the Single Interest Automobile Physical Damage Insurance Policy the following exclusion is added Exclusion Of Terrorism Damage Coverage We will not pay for any injury damage loss or expense caused directly or indirectly by terrorism including action in hindering or defending against an actual or expected incident of terrorism. Any injury damage loss or expense is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury damage loss or expense. But this exclusion applies only when one or more of the following are attributed to an incident of terrorism 1. The terrorism is carried out by means of the dispersal or application of radioactive material or through the use of a nuclear weapon or device that involves or produces a nuclear reaction nuclear radiation or radioactive contamination or CA 23841013 Insurance Services Office Inc. 2013 Insured Copy Page 1 of 3 | 2 |
2. Radioactive material is released and it appears that one purpose of the terrorism was to release such material or 3. The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or 4. Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials or 5. The total of insured damage to all types of property exceeds 25000000. In determining whether the 25000000 threshold is exceeded we will include all insured damage sustained by property of all persons and entities affected by the terrorism and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions or 6. Fifty or more persons sustain death or serious physical injury. For the purposes of this provision serious physical injury means a. Physical injury that involves a substantial risk of death or b. Protracted and obvious physical disfigurement or c. Protracted loss of or impairment of the function of a bodily member or organ. Multiple incidents of terrorism which occur within a 72 hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident for the purpose of determining whether the thresholds in Paragraphs B.5. and B.6. are exceeded. With respect to this exclusion Paragraphs B.5. and B.6. describe the thresholds used to measure the magnitude of an incident of terrorism and the circumstances in which the threshold will apply for the purpose of determining whether this exclusion will apply to that incident. When the exclusion applies to an incident of terrorism there is no coverage under this Coverage Form Policy or any applicable endorsement. C. With respect to Physical Damage Coverage Trailer Interchange Coverage Garagekeepers Coverage Garagekeepers Coverage Customers Sound Receiving Equipment or the Single Interest Automobile Physical Damage Insurance Policy the following exclusion is added Exclusion Of Terrorism We will not pay for any loss loss of use or rental reimbursement after loss caused directly or indirectly by terrorism including action in hindering or defending against an actual or expected incident of terrorism. But this exclusion applies only when one or more of the following are attributed to an incident of terrorism 1. The terrorism is carried out by means of the dispersal or application of radioactive material or through the use of a nuclear weapon or device that involves or produces a nuclear reaction nuclear radiation or radioactive contamination or 2. Radioactive material is released and it appears that one purpose of the terrorism was to release such material or 3. The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or 4. Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials or 5. The total of insured damage to all types of property exceeds 25000000. In determining whether the 25000000 threshold is exceeded we will include all insured damage sustained by property of all persons and entities affected by the terrorism and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions. Multiple incidents of terrorism which occur within a 72 hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident for the purpose of determining whether the threshold in Paragraph C.5. is exceeded. Page 2 0f 3 Insurance Services Office Inc. 2013 Insured Copy CA 23841013 | 2 |
With respect to this exclusion Paragraph C.5. describes the threshold used to measure the magnitude of an incident of terrorism and the circumstances in which the threshold will apply for the purpose of determining whether this exclusion will apply to that incident. When the exclusion applies to an incident of terrorism there is no coverage under this Coverage Form Policy or any applicable endorsement. D. In the event of any incident of terrorism that is not subject to the exclusion in Paragraph B. or C. coverage does not apply to any injury damage loss or expense that is otherwise excluded under this Coverage Form Policy or any applicable endorsement. CA 23841013 Insurance Services Office Inc. 2013 Insured Copy Page 3 of 3 | 2 |
COMMERCIAL AUTO CA 99031013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AUTO MEDICAL PAYMENTS COVERAGE This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. A. Coverage We will pay reasonable expenses incurred for necessary medical and funeral services to or for an insured who sustains bodily injury caused by accident. We will pay only those expenses incurred for services rendered within three years from the date of the accident.. Who Is An Insured 1. You while occupying or while a pedestrian when struck by any auto. 2. If you are an individual any family member while occupying or while a pedestrian when struck by any auto. 3. Anyone else occupying a covered auto or a temporary substitute for a covered auto. The covered auto must be out of service because of its breakdown repair servicing loss or destruction.. Exclusions This insurance does not apply to any of the following 1. Bodily injury sustained by an insured while occupying a vehicle located for use as a premises. 2. Bodily injury sustained by you or any family member while occupying or struck by any vehicle other than a covered auto owned by you or furnished or available for your regular use.. Bodily injury sustained by any family member while occupying or struck by any vehicle other than a covered auto owned by or furnished or available for the regular use of any family member.. Bodily injury to your employee arising out of and in the course of employment by you. However we will cover bodily injury to your domestic employees if not entitled to workers compensation benefits. For the purposes of this endorsement a domestic employee is a person engaged in household or domestic work performed principally in connection with a residence premises.. Bodily injury to an insured while working in a business of selling servicing repairing or parking autos unless that business is yours.. Bodily injury arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these.. Bodily injury sustained by any family member while occupying or struck by any vehicle other than a covered auto owned by or furnished or available for the regular use of any family member.. Bodily injury to your employee arising out of and in the course of employment by you. However we will cover bodily injury to your domestic employees if not entitled to workers compensation benefits. For the purposes of this endorsement a domestic employee is a person engaged in household or domestic work performed principally in connection with a residence premises.. Bodily injury to an insured while working in a business of selling servicing repairing or parking autos unless that business is yours.. Bodily injury arising directly or indirectly out of a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. CA99031013 Insurance Services Office Inc. 2011 Insured Copy Page 1 of 2 | 2 |
7. Bodily injury to anyone using a vehicle without a reasonable belief that the person is entitled to do so. odily Injury sustained by an insured while occupying any covered auto while used in any professional racing or demolition contest or stunting activity or while practicing for such contest or activity. This insurance also does not apply to any bodily injury sustained by an insured while the auto is being prepared for such a contest or activity. D. Limit Of Insurance Regardless of the number of covered autos insureds premiums paid claims made or vehicles involved in the accident the most we will pay for bodily injury for each insured injured in any one accident is the Limit Of Insurance for Auto Medical Payments Coverage shown in the Declarations. No one will be entitled to receive duplicate payments for the same elements of loss under this coverage and any Liability Coverage Form Uninsured Motorists Coverage Endorsement or Underinsured Motorists Coverage Endorsement attached to this Coverage Part. E. Changes In Conditions The Conditions are changed for Auto Medical Payments Coverage as follows 1. The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply. 2. The reference in Other Insurance in the Auto Dealers and Business Auto Coverage Forms and Other Insurance Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form to other collectible insurance applies only to other collectible auto medical payments insurance. F. Additional Definitions As used in this endorsement 1. Family member means a person related to you by blood marriage or adoption who is a resident of your household including a ward or foster child. 2. Occupying means in upon getting in on out or off. Page 2 of 2 Insurance Services Office Inc. 2011 Insured Copy CA 99031013 | 2 |
POLICY NUMBER CPP117939A LICY NUMBER CPP117939A COMMERCIAL AUTO CA99101013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DRIVE OTHER CAR COVERAGE BROADENED COVERAGE FOR NAMED INDIVIDUALS This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured Endorsement Effective Date STATE IA SCHEDULE Name Of Individual ANY EMPLOYEE ASSIGNED A COMPANY VEHICLE HOLDING Covered Autos Liability Coverage Limit 1000000 Premium 85 Auto Medical Payments Limit 5000 Premium 3 Comprehensive Deductible 1000 Premium 20 Collision Deductible 1000 Premium 109 Uninsured Motorists Limit 1000000 Premium 6 Underinsured Motorists Limit 1000000 Premium 28 Information required to complete this Schedule if not shown above will be shown in the Declarations. Note When Uninsured Motorists Coverage is provided at limits higher than the basic limits required by a financial responsibility law Underinsured Motorists Coverage is included unless otherwise noted. If Underinsured Motorists Coverage is provided as a separate coverage make appropriate entry in the Schedule above. CA99101013 Insurance Services Office Inc. 2011 Insured Copy Page 1 of 2 | 2 |
POLICY NUMBER CPP117939A LICY NUMBER CPP117939A COMMERCIAL AUTO CA99101013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DRIVE OTHER CAR COVERAGE BROADENED COVERAGE FOR NAMED INDIVIDUALS This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured Endorsement Effective Date STATE IA SCHEDULE Name Of Individual A TITLE OF LOCATION MANAGER LOCATION LEADER OR Covered Autos Liability Coverage Limit 1000000 Premium INCLUDED Auto Medical Payments Limit 5000 Premium INCLUDED Comprehensive Deductible 1000 Premium INCLUDED Collision Deductible 1000 Premium INCLUDED Uninsured Motorists Limit 1000000 Premium INCLUDED Underinsured Motorists Limit 1000000 Premium INCLUDED Information required to complete this Schedule if not shown above will be shown in the Declarations. Note When Uninsured Motorists Coverage is provided at limits higher than the basic limits required by a financial responsibility law Underinsured Motorists Coverage is included unless otherwise noted. If Underinsured Motorists Coverage is provided as a separate coverage make appropriate entry in the Schedule above. CA99101013 Insurance Services Office Inc. 2011 Insured Copy Page 1 of 2 | 2 |
POLICY NUMBER CPP117939A LICY NUMBER CPP117939A COMMERCIAL AUTO CA99101013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DRIVE OTHER CAR COVERAGE BROADENED COVERAGE FOR NAMED INDIVIDUALS This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured Endorsement Effective Date STATE IA SCHEDULE Name Of Individual HIGHER Covered Autos Liability Coverage Limit 1000000 Premium INCLUDED Auto Medical Payments Limit 5000 Premium INCLUDED Comprehensive Deductible 1000 Premium INCLUDED Collision Deductible 1000 Premium INCLUDED Uninsured Motorists Limit 1000000 Premium INCLUDED Underinsured Motorists Limit 1000000 Premium INCLUDED Information required to complete this Schedule if not shown above will be shown in the Declarations. Note When Uninsured Motorists Coverage is provided at limits higher than the basic limits required by a financial responsibility law Underinsured Motorists Coverage is included unless otherwise noted. If Underinsured Motorists Coverage is provided as a separate coverage make appropriate entry in the Schedule above. CA99101013 Insurance Services Office Inc. 2011 Insured Copy Page 1 of 2 | 2 |
D. Changes In Physical Damage Coverage Any private passenger type auto you dont own hire or borrow is a covered auto while in the care custody or control of any individual named in the Schedule or his or her spouse while a resident of the same household except 1. Any auto owned by that individual or by any member of his or her household. 2. Any auto used by that individual or his or her spouse while working in a business of selling servicing repairing or parking autos. E. Additional Definition As used in this endorsement Family member means a person related to the individual named in the Schedule by blood marriage or adoption who is a resident of the individual s household including a ward or foster child. A. This endorsement changes only those coverages B. where a premium is shown in the Schedule. Changes In Covered Autos Liability Coverage 1. Any auto you do nt own hire or borrow is a covered auto while being used by any individual named in the Schedule or by his or her spouse while a resident of the same household except a. Any auto owned by that individual or by any member of his or her household. b. Any auto used by that individual or his or her spouse while working in a business of selling servicing repairing or parking autos. 2. The following is added to Who Is An Insured Any individual named in the Schedule and his or her spouse while a resident of the same household are insureds while using any covered auto described in Paragraph B.1. of this endorsement.. Changes In Auto Medical Payments And Uninsured And Underinsured Motorists Coverages The following is added to Who Is An Insured Any individual named in the Schedule and his or her family members are insureds while occupying or while a pedestrian when being struck by any auto you do nt own except Any auto owned by that individual or by any family member. Page 2 of 2 Insurance Services Office Inc. 2011 Insured Copy CA99101013 | 2 |
POLICY NUMBER CPP117939A POLICY NUMBER CPP117939A COMMERCIAL AUTO CA99371013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GARAGEKEEPERS COVERAGE This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated Named Insured Endorsement Effective Date SCHEDULE Location Number Address Where You Conduct Garage Operations Main Location ALL PER SCHEDULE OF LOCATIONS ON FILE WITH THE COMPANY Premium INCL Coverages Limit Of Insurance And Deductible Comprehensive 500000 Limit Of Insurance 500 Deductible For Each Customer s Auto For Loss Caused By Theft Or Mischief Or Vandalism Maximum Deductible For 2500 Loss Caused By Theft Or Mischief Or Vandalism In Any One Event OR Limit Of Insurance Deductible For All Perils For Each Customer s Auto Maximum Deductible For All Loss In Any One Event Specified Limit Of Insurance Causes Of Loss Deductible For Each Customer s Auto For Loss Caused By Theft Or Mischief Or Vandalism Maximum Deductible For Loss Caused By Theft Or Mischief Or Vandalism In Any One Event OR Limit Of Insurance Deductible For All Perils For Each Customer s Auto Maximum Deductible For All Loss In Any One Event Collision 500000 Limit Of Insurance Deductible For Each Customer s 500 Auto INCL CA99371013 Insurance Services Office Inc. 2011 Insured Copy Page 1 | 2 |
Location Number Address Where You Conduct Garage Operations Coverages Limit Of Insurance And Deductible Premium Comprehensive Limit Of Insurance Deductible For Each Customer s Auto For Loss Caused By Theft Or Mischief Or Vandalism Maximum Deductible For Loss Caused By Theft Or Mischief Or Vandalism In Any One Event OR Limit Of Insurance Deductible For All Perils For Each Customer s Auto Maximum Deductible For All Loss In Any One Event Specified Limit Of Insurance Causes Of Loss Deductible For Each Customer s Auto For Loss Caused By Theft Or Mischief Or Vandalism Maximum Deductible For Loss Caused By Theft Or Mischief Or Vandalism In Any One Event OR Limit Of Insurance Deductible For All Perils For Each Customer s Auto Maximum Deductible For All Loss In Any One Event Collision Limit Of Insurance Deductible For Each Customer s Auto Page 2 Insurance Services Office Inc. 2011 Insured Copy CA99371013 | 2 |
Location Number Address Where You Conduct Garage Operations Coverages Limit Of Insurance And Deductible Premium Comprehensive Limit Of Insurance Deductible For Each Customer s Auto For Loss Caused By Theft Or Mischief Or Vandalism Maximum Deductible For Loss Caused By Theft Or Mischief Or Vandalism In Any One Event OR Limit Of Insurance Deductible For All Perils For Each Customer s Auto Maximum Deductible For All Loss In Any One Event Specified Limit Of Insurance Causes Of Loss Deductible For Each Customer s Auto For Loss Caused By Theft Or Mischief Or Vandalism Maximum Deductible For Loss Caused By Theft Or Mischief Or Vandalism In Any One Event OR Limit Of Insurance Deductible For All Perils For Each Customer s Auto Maximum Deductible For All Loss In Any One Event Collision Limit Of Insurance Deductible For Each Customer s Auto Total Garagekeepers Premium For All Locations 1113 Information required to complete this Schedule if not shown above will be shown in the Declarations. Page 3 CA99371013 Insurance Services Office Inc. 2011 Insured Copy | 2 |
Direct Coverage Options Indicate below with an X which if any Direct Coverage Option is selected. Excess Insurance If this box is checked Garagekeepers Coverage remains applicable on a legal liability basis. However coverage also applies without regard to your or any other insured s legal liability for loss to a customer s auto on an excess basis over any other collectible insurance regardless of whether the other insurance covers your or any other insured s interest or the interest of the customer s auto s owner. Primary Insurance If this box is checked Garagekeepers Coverage is changed to apply without regard to your or any other insured s legal liability for loss to a customer s auto and is primary insurance. A. This endorsement provides only those coverages 1. Where a Limit Of Insurance and a premium are shown for that coverage in the Schedule and 2. For the location shown in the Schedule. B. Coverage 2. We will have the right and duty to defend any insured against a suit asking for these damages. However we have no duty to defend any insured against a suit seeking damages for loss to which this insurance does not apply. We may investigate and settle any claim or suit as we consider appropriate. Our duty 1. We will pay all sums the insured legally must pay as damages for loss to a customer s auto or customer s auto equipment left in the insured s care while the insured is attending servicing repairing parking or storing it in your garage operations under a. Comprehensive Coverage From any cause except 1 The customer s auto s collision with another object or 2 The customer s auto s overturn. b. Specified Causes Of Loss Coverage Caused by 1 Fire lightning or explosion 2 Theft or 3 Mischief or vandalism. c. Collision Coverage Caused by 1 The customer s auto s collision with another object or 2 The customer s auto s overturn. to defend or settle ends for a coverage when the Limit of Insurance for that coverage has been exhausted by payment of judgments or settlements. 3. Who Is An Insured The following are insureds for loss to customer s autos and customer s auto equipment a. You. b. Your partners and their spouses if you are a partnership but only with respect to the conduct of your garage operations. c. Your members if you are a limited liability company but only with respect to the conduct of your garage operations. Your managers are also insureds but only with respect to their duties as your managers. d. Your executive officers and directors if you are an organization other than a partnership or limited liability company but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. Page 4 Insurance Services Office Inc. 2011 Insured Copy CA99371013 | 2 |
e. Your employees other than either your executive officers if you are an organization other than a partnership or limited liability company or your managers if you are a limited liability company but only for acts within the scope of employment by you or while performing their duties related to the conduct of your garage operations. 4. Coverage Extensions The following applies as Supplementary Payments. We will pay for the insured a. All expenses we incur. b. The costs of bonds to release attachments in any suit against an insured we defend but only for bond amounts within our Limit of Insurance. c. All reasonable expenses incurred by the insured at our request including actual loss of earnings up to 250 a day because of time off from work. d. All court costs taxed against the insured in any suit against an insured we defend. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. e. All interest on the full amount of any judgment that accrues after entry of the judgment in any suit against an insured we defend but our duty to pay interest ends when we have paid offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. These payments will not reduce the Limit of Insurance. C. Exclusions 1. This insurance does not apply to any of the following a. Contractual Liability resulting from any contract or agreement by which the insured accepts responsibility for loss. But this exclusion does not apply to liability for loss that the insured would have in the absence of the contract or agreement. b. Theft Loss due to theft or conversion caused in any way by you your employees or by your stockholders. c. Defective Parts Defective parts or materials. d. Faulty Work Faulty work you performed. 2. We will not pay for loss to any of the following a. Tape decks or other sound reproducing equipment unless permanently installed in a customer s auto. b. Tapes records or other sound reproducing devices designed for use with sound reproducing equipment. c. Sound receiving equipment designed for use as a citizens band radio two way mobile radio or telephone or scanning monitor receiver including its antennas and other accessories unless permanently installed in the dash or console opening normally used by the customer s auto manufacturer for the installation of a radio. d. Any device designed or used to detect speed measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed measuring equipment. 3. We will not pay for loss caused by or resulting from the following. Such loss is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss a. War including undeclared or civil war b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or c. Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. D. Limits Of Insurance And Deductibles 1. Regardless of the number of customer s autos insureds premiums paid claims made or suits brought the most we will pay for each loss at each location is the Garagekeepers Coverage Limit Of Insurance shown in the Schedule for that location. Prior to the application of this limit the damages for loss that would otherwise be payable will be reduced by the applicable deductibles for loss caused by a. Collision or Insurance Services Office Inc. 2011 Insured Copy CA99371013 Page 5 | 2 |
b. With respect to Garagekeepers Coverage Comprehensive or Specified Causes Of Loss Coverage 1 Theft or mischief or vandalism or 2 All perils. 2. The maximum deductible stated in the Schedule for Garagekeepers Coverage Comprehensive or Specified Causes Of Loss Coverage is the most that will be deducted for all loss in any one event caused by a. Theft or mischief or vandalism or b. Al perils. 3. To settle a claim or suit we may pay all or any part of the deductible. If this happens you must reimburse us for the deductible or that part of the deductible that we paid. E. Additional Definitions As used in this endorsement 1. Customer s auto means a land motor vehicle trailer or semitrailer lawfully within your possession for service repair storage or safekeeping with or without the vehicle owner s knowledge or consent. A customer s auto also includes any such vehicle left in your care by your employees and members of their households who pay for services performed. 2. Loss means direct and accidental loss or damage and includes any resulting loss of use.. Garage operations means the ownership maintenance or use of locations for the purpose of a business of selling servicing repairing parking or storing customer s autos and that portion of the roads or other accesses that adjoin these locations. Garage operations also includes all operations necessary or incidental to the performance of garage operations. 4. Work you performed includes a. Work that someone performed on your behalf and b. The providing of or failure to provide warnings or instructions. Page 6 Insurance Services Office Inc. 2011 Insured Copy CA99371013 | 2 |
COMMERCIAL AUTO CA 99481013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLLUTION LIABILITY BROADENED COVERAGE FOR COVERED AUTOS BUSINESS AUTO AND MOTOR CARRIER COVERAGE FORMS This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. A. Covered Autos Liability Coverage is changed as follows 1. Paragraph a. of the Pollution Exclusion applies only to liability assumed under a contract or agreement. 2. With respect to the coverage afforded by Paragraph A.1. above Exclusion B.6. Care Custody Or Control does not apply. B. Changes In Definitions For the purposes of this endorsement Paragraph D. of the Definitions Section is replaced by the following D. Covered pollution cost or expense means any cost or expense arising out of 1. Any request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2. Any claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. Covered pollution cost or expense does not include any cost or expense arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a. Before the pollutants or any property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto the covered auto or b. After the pollutants or any property in which the pollutants are contained are moved from the covered auto to the place where they are finally delivered disposed of or abandoned by the insured. Paragraphs a. and b. above do not apply to accidents that occur away from premises owned by or rented to an insured with respect to pollutants not in or upon a covered auto if 1 The pollutants or any property in which the pollutants are contained are upset overturned or damaged as a result of the maintenance or use of a covered auto and The discharge dispersal seepage migration release or escape of the nollutants is caused directlv bv 2 Covered pollution cost or expense does not include any cost or expense arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a. Before the pollutants or any property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto the covered auto or b. After the pollutants or any property in which the pollutants are contained are moved from the covered auto to the place where they are finally delivered disposed of or abandoned by the insured. Paragraphs a. and b. above do not apply to accidents that occur away from premises owned by or rented to an insured with respect to pollutants not in or upon a covered auto if 1 The pollutants or any property in which the pollutants are contained are upset overturned or damaged as a result of the maintenance or use of a covered auto and The discharge dispersal seepage migration release or escape of the pollutants is caused directly by such upset overturn or damage. 2 CA 99481013 Insurance Services Office Inc. 2011 Insured Copy Page 1 0of 1 | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTO PLUS ENDORSEMENT This endorsement modifies insurance provided under the following The of c CHOPPVOZErAE TOIMPOWR BUSINESS AUTO COVERAGE FORM BUSINESS AUTO COVERAGE FORM is amended to include the following additions and extensions overage NEWLY ACQUIRED OR FORMED ENTITIES TEMPORARY SUBSTITUTE AUTOS PHYSICAL DAMAGE COVERAGE BLANKET ADDITIONAL INSURED REQUIRED BY CONTRACT EMPLOYEES AS INSUREDS NONOWNED AUTOS EMPLOYEE HIRED AUTOS SUPPLEMENTARY PAYMENTS BAIL BONDS. SUPPLEMENTARY PAYMENTS LOSS OF EARNINGS FELLOW EMPLOYEE COVERAGE PROPERTY OF OTHERS PERSONAL EFFECTS COVERAGE AUTO MEDICAL PAYMENTS COVERAGE INCREASED LIMITS EXPANDED TOWING COVERAGE AUTO LOAN OR LEASE COVERAGE RENTAL REIMBURSEMENT COVERAGE EXPANDED TRANSPORTATION EXPENSE EXPENSE YOU INCUR TO RECOVER A STOLEN AUTO. ACCIDENTAL AIRBAG DISCHARGE COVERAGE PHYSICAL DAMAGE TWO OR MORE DEDUCTIBLES BLANKET WAIVER OF SUBROGATION AMENDED DUTIES IN THE EVENT OF ACCIDENT CLAIM SUIT OR LOSS UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS A. NEWLY ACQUIRED OR FORMED ENTITIES The Named Insured shown in the Declarations is amended to include 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 more than 50 interest if there is no other similar insurance available to that organization. Coverage under this provision is afforded only until the 90 day after you acquire or form the organization or the end of the policy period whichever comes first. B. TEMPORARY SUBSTITUTE AUTOS PHYSICAL DAMAGE COVERAGE The following is added to Paragraph C. Certain Trailers Mobile Equipment And Temporary Substitute Autos of SECTION COVERED AUTOS If Physical Damage Coverage is provided on a covered auto you own that is out of service because of its breakdown repair servicing loss or destruction then you have coverage for any auto you do not own while used with the permission of its owner as a temporary substitute for the covered out of service auto. The deductible for the temporary substitute auto will be the same as the applicable deductible for the covered auto it replaces. Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB191 1013 Page 10f 6 Insured Copy | 2 |
COMMERCIAL AUTO C. BLANKET ADDITIONAL INSURED REQUIRED BY CONTRACT The following is added to Paragraph A.1. Who Is An Insured of SECTION Il COVERED AUTOS LIABILITY COVERAGE Any persons or organizations is an additional insured with whom you have agreed in a valid written contract or agreement executed prior to any accident or loss that such persons or organizations be added as an additional insured on your policy. Such persons or organizations are additional insureds but only with respect to liability for bodily injury or property damage caused by an accident that is in whole or in part caused by your acts or omissions or the acts or omissions of those acting on your behalf and resulting from the ownership maintenance or use of a covered auto. D. EMPLOYEES AS INSUREDS NONOWNED AUTOS The following is added to the SECTION Il COVERED AUTOS LIABILITY COVERAGE Paragraph A.1. Who Is An Insured provision Any employee of yours is an insured while using a covered auto you do nt own hire or borrow in your business or your personal affairs. E. EMPLOYEE HIRED AUTOS 1. Changes In Covered Autos Liability Coverage The following is added to the Who Is An Insured Provision An employee of yours is an insured while operating an auto hired or rented under a contract or agreement in an employee s name with your permission while performing duties related to the conduct of your business. 2. Changes In General Conditions Paragraph 5.b. of the Other Insurance Condition in the BUSINESS AUTO COVERAGE FORM is replaced by the following For Hired Auto Physical Damage Coverage the following are deemed to be covered autos you own a. Any covered auto you lease hire rent or borrow and b. Any covered auto hired or rented by your employee under a contract in an employee s name with your permission while performing duties related to the conduct of your business. However any auto that is leased hired rented or borrowed with a driver is not a covered auto. F. SUPPLEMENTARY PAYMENTS BAIL BONDS The following replaces Paragraph A.2.a. 2 of SECTION Il COVERED AUTOS LIABILITY COVERAGE 2 Up to 5000 for cost of bail bonds including bonds for related traffic law violations required because of an accident we cover. We do not have to furnish these bonds. G. SUPPLEMENTARY PAYMENTS LOSS OF EARNINGS The following replaces Paragraph A.2.a. 4 of SECTION Il COVERED AUTOS LIABILITY COVERAGE Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB191 1013 Page 2 of 6 Insured Copy | 2 |
COMMERCIAL AUTO 4 All reasonable expenses incurred by the insured at our request including actual loss of earnings up to 500 a day because of time off from work.. FELLOW EMPLOYEE COVERAGE The Fellow Employee Exclusion contained under the COVERED AUTOS LIABILITY COVERAGE does not apply. PROPERTY OF OTHERS The Care Custody Or Control Exclusion in SECTION Il COVERED AUTOS LIABILITY COVERAGE does not apply to property damage to property other than your property up to an amount not exceeding 3000 in any one accident. This coverage applies as a result of a covered loss without applying a deductible. Coverage is excess over any other valid and collectible insurance.. PERSONAL EFFECTS COVERAGE The following is added to Paragraph A.4. Coverage Extensions of SECTION lil PHYSICAL DAMAGE COVERAGE We will pay up to 1000 for the loss to personal effects which are 1 Owned by an insured and 2 Inoron your covered auto. This coverage applies as a result of a covered loss without applying a deductible. Coverage is excess over any other valid and collectible insurance.. AUTO MEDICAL PAYMENTS COVERAGE INCREASED LIMITS In the event of a covered loss where Auto Medical Payments Coverage applies we will double the Limit Of Insurance for Medical Payments shown in the Declarations for each insured who was wearing a seat belt at the time of the accident. This limit is the most we will pay for all covered medical expenses regardless of the number of covered autos insureds premiums paid claims made or vehicles involved in the accident.. EXPANDED TOWING COVERAGE The following replaces Paragraph A.2. of SECTION Il PHYSICAL DAMAGE COVERAGE We will pay up to 1. 100 for a covered auto you own of the private passenger type or 2. 500 for a covered auto you own that is not of the private passenger type for towing and labor costs incurred each time the covered auto is disabled. However the labor must be performed at the place of disablement.. AUTO LOAN OR LEASE COVERAGE Physical Damage Coverage is amended by the addition of the following 1. In the event of a total loss to a covered auto we will pay any unpaid amount due on the lease or loan including up to a maximum of 500 for early termination fees or penalties for a covered auto less Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB191 1013 Page 3 of 6 Insured Copy | 2 |
COMMERCIAL AUTO a. The amount paid under the policy s Physical Damage Coverage and b. Any 1 Overdue lease loan payments at the time of the loss 2 Financial penalties imposed under a lease for excessive use abnormal wear and tear or high mileage 3 Security deposits not returned by the lessor 4 Costs of extended warranties Credit Life insurance Health Accident or Disability insurance purchased with the loan or lease and 5 Carry over balances from previous loans or leases. This coverage only applies to a loss which is also covered under this policy for Comprehensive Specified Causes Of Loss or Collision Coverage. Coverage does not apply to any unpaid amount due on a loan for which the covered auto is not the sole collateral. This endorsement does not apply to any covered auto for which broader coverage is provided by any other endorsement form on this policy. N. RENTAL REIMBURSEMENT COVERAGE 1. We will pay for rental reimbursement expenses incurred by you for the rental of an auto because of loss to a covered auto. Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered auto. No deductibles apply to this coverage. This coverage applies only to a covered auto for which Physical Damage Coverage is provided on this policy. We will pay only for those expenses incurred during the policy period beginning 24 hours after the loss and ending regardless of the policy s expiration with the lesser of the following number of days a. The number of days reasonably required to repair or replace the covered auto. If loss is caused by theft this number of days is added to the number of days it takes to locate the covered auto and return it to you. b. 30 days. Our payment is limited to the lesser of the following amounts a. Necessary and actual expenses incurred. b. 75 for any one day or for a maximum of 30 days. This coverage does not apply while there are spare or reserve autos available to you for your operations. If loss results from the total theft of a covered auto of the private passenger type we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the Expanded Transportation Expense Coverage Extension in this form. This endorsement does not apply to any covered auto for which broader coverage is provided by any other endorsement form on this policy. EXPANDED TRANSPORTATION EXPENSE Paragraph A.4.a. of SECTION Il PHYSICAL DAMAGE is replaced by the following Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB191 1013 Page 4 of 6 Insured Copy | 2 |
COMMERCIAL AUTO We will pay up to 50 per day to a maximum of 1500 for temporary transportation expense incurred by you because of the total theft of a covered auto of the private passenger type. We will pay only for those covered autos for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending regardless of the policy s expiration when the covered auto is returned to use or we pay for its loss. P. EXPENSE YOU INCUR TO RECOVER A STOLEN AUTO The following is added to Paragraph A.4. of SECTION lll PHYSICAL DAMAGE COVERAGE We will pay up to 5000 for the expense of recovering a stolen covered auto to you. We will pay only for those covered autos for which you carry Comprehensive or Specified Causes Of Loss Coverage. Q. ACCIDENTAL AIRBAG DISCHARGE COVERAGE The following is added to Paragraph B.3.a. of SECTION Ill PHYSICAL DAMAGE COVERAGE Mechanical breakdown does not include the accidental discharge of an airbag. R. PHYSICAL DAMAGE TWO OR MORE DEDUCTIBLES The following is added to Paragraph D. Deductible of SECTION Il PHYSICAL DAMAGE COVERAGE When two or more covered autos sustain loss in the same collision the loss will be reduced by the largest single deductible that applies. For purposes of this coverage an auto and its attached trailer are two separate autos. S. BLANKET WAIVER OF SUBROGATION The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply but only when the Named Insured agrees that subrogation is waived prior to the accident or the loss under the terms of a written contract entered into between the Named Insured and an entity that is part of that contract. T. AMENDED DUTIES IN THE EVENT OF ACCIDENT CLAIM SUIT OR LOSS The following replaces Paragraph A.2.a. Duties In The Event Of Accident Claim Suit Or Loss of SECTION IV BUSINESS AUTO CONDITIONS We have no duty to provide coverage under this policy unless there has been full compliance with the following duties a. In the event of accident claim suit or loss your insurance manager or any other person you designate as responsible for insurance related matters must notify us promptly of an accident or a loss regardless of the amount which may result in a claim. Include 1 How when and where the accident or loss occurred 2 The insured s name and address and 3 To the extent possible the names and addresses of any injured persons and witnesses. Paragraph A.2.b.2 Duties In The Event Of Accident Claim Suit Or Loss of SECTION IV BUSINESS AUTO CONDITIONS is amended as follows b. Additionally you and any other involved insured must Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB191 1013 Page 5 of 6 CCAB191 1013 Page 5 of 6 Insured Copy | 2 |
COMMERCIAL AUTO 2 Notify us and send us copies of any request demand order notice summons or legal papers received concerning the claim or suit as soon as practicable. For the purposes of this coverage provided you are presumed to have knowledge of the accident or loss when it has been reported to the insurance manager or any other person you designate as responsible for insurance related matters.. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS The following Condition is added to SECTION IV BUSINESS AUTO CONDITIONS Unintentional Failure To Disclose Hazards Failure by you to disclose to us all hazards existing as of the inception date of this policy shall not prejudice us with respect to the coverage afforded by this policy provided such error or omission is not intentional. ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB191 1013 Page 6 of 6 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. COMPOSITE RATE ENDORSEMENT This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. Paragraph 6. Premium Audit under B. General Conditions of Section IV Business Auto Conditions is deleted and replaced by the following 6. PREMIUM AUDIT We will compute the premiums for this coverage part in accordance with the rates shown in the Schedule below. The deposit premium shown in the Schedule below is an estimate based on the number of autos you told us you would have at the beginning of the policy period. At the end of the policy period we will compute the final earned premium for that period and send notice to the first Named Insured. The final premiums will be determined using your average number of autos during the policy period. The average number of autos will be calculated by adding the number of your autos at the beginning of the policy period to the number of your autos at the end of the policy period and dividing that sum by two. Any fractional average number of autos will be rounded up to the nearest whole number. To calculate the final premium your average number of autos will be multiplied by the rates shown in the Schedule below. If the final premiums is more than the estimated premiums you paid to us you must pay us the balance. The due date for the final premium is the date shown as the due date on the bill. If the final premiums is less than the estimated premiums we will refund the balance to you. The first Named Insured must keep records of the information we need for premium computation and make available or send us copies as we may request upon expiration of this policy. SCHEDULE Coverage Description Number of Units Rate Premium Covered Autos Liability POWERED UNITS 209 S 274.88 57450 Including PIP Med Pay Coverage Description Covered Autos Liability POWERED UNITS Including PIP Med Pay andor UM UIM As shown in the Declarations Page Coverage Description Physical Damage COVERED UNITS As shown in the Declarations Page Premium 57450 Description COVERED UNITS Number of Units Rate 171 272.11 Premium 46531 ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. CCAB192 1013 Includes copyrighted material of Insurance Services Office Inc. with its permission Page 10f 1 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. COVERED AUTO DESIGNATION SYMBOL This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. Section Covered Autos is amended by adding the following Item Two of the Declarations shows the autos that are covered autos for each of your coverages. The following numerical symbols may be used in addition to the numerical symbols described in the Coverage Form to describe the autos that may be covered autos. The entry of one of the following symbols described below next to a coverage on the Declarations will designate the only autos that are covered autos. SYMBOL 10 ANY OWNED AUTO MODEL YEAR 2011 AND NEWER INCLUDING 2003 MACK 53299 2004 CHEVY 63487 2004 PETERBILT 16278 2005 PETERBILT 59202 2005 PETERBILT 59206 2006 WALINGA 01020 2006 STERLING 81625 2006 SIMONSEN 75217 2006 FREIGHTLINER 25902 2006 PETERBILT 42447 2006 INTERNATIONAL 33231 2007 FREIGHTLINER 64461 2007 FREIGHTLINER 64433 2008 STERLING 12275 2009 FREIGHTLINER C9448 2009 NEVILLE 75540 2010 MERRIT 20721 2003 WALINGA 001053 2005 WALINGA 001016 2006 WALINGA 001066 2006 WALINGA 001104 2007 WALINGA 001139 2007 WALINGA 001041 2008 WALINGA 001064 2008 CORNHUSKER 007442 2010 WALINGA 001026 AND 2010 WALINGA 001033 EXCLUDING 2011 CHEVY 67789 2011 CHEVY 68629 2011 CHEVY 68033 2011 CHEVY 10990 2011 ATV TRAILER 02335 2011 ATV TRAILER 23582 2013 DK TRAILER 50047 2014 PJ TRAILER 20755 2014 BIG TEX 29730 2014 TITAN 68309 2014 DK 50138 2014 KEIFER 60847 2015 MISSION 01302 2015 HOMEMADE TRAILER 2016 ALUMNA TRAILER 31784 2017 PJ TRAILER 57351 CCAB211 0210 Page 10f 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. Insured Copy | 2 |
THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. SCHEDULE OF PHYSICAL DAMAGE DEDUCTIBLES This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM The SEE SCHEDULE reference to the Physical Damage deductibles shown for each covered auto in ITEM TWO THE SCHEDULE OF COVERAGES AND COVERED AUTOS are shown in the following deductible schedule SCHEDULE All covered autos defined by Item Two of the Covered Auto Business Auto Declaration for Physical Damage Coverage. Deductible Coverage 5000 COMPREHENSIVE5000COLLISION CCAB212 0909 Page 1 of 1 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GLASS REPAIR WAIVER OF DEDUCTIBLE This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to Paragraph D. Deductible of Section Ill PHYSICAL DAMAGE C OVERAGE Any deductible shown in the Declarations for Comprehensive Coverage will not apply to glass breakage if the glass is repaired rather than replaced on covered autos. However the deductible will not be waived for windshield replacement or replacement subsequent to unsuccessful repairs on covered automobile windshields. CCAB222 0210 Page 10f 1 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HIRED AUTO PHYSICAL DAMAGE ENDORSEMENT This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to SECTION Il PHYSICAL DAMAGE COVERAGE A. Coverage Hired Auto Physical Damage a. Any auto you lease hire rent or borrow without a driver from someone other than your employees partners if you are a partnership members if you are a limited liability company or members of their households is a covered auto for the Physical Damage Coverages shown in ITEM FOUR of the Declarations. However the most we will pay for loss in any accident to a hired or borrowed auto is the least of the following amounts minus any applicable deductible shown in ITEM FOUR of the Declarations Ms 75000 2 The actual cash value of the damaged or stolen property as of the time of the lossor 3 The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality b. An adjustment for depreciation and physical damage condition will be made in determining actual cash value in the event of a total loss. c. Ifarepair or replacement results in better than like kind or quality we will not pay for the amount of the betterment. d. For each covered auto our obligation to pay for repair or replace damaged or stolen property will be reduced by the applicable deductible shown in the Declarations. However any Comprehensive Coverage Deductible does not apply to loss caused by fire or lightning. Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB223 0210 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY BROAD NAMED INSURED ENDORSEMENT This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM Itis agreed that Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any business entity incorporated or organized under the laws of the United States of America including any State thereof its territories or possessions or Canada including any Province thereof in which the Named Insured shown in the Declarations owns during the policy period an interest of more than 50 percent. If other valid and collectible insurance is available to any business entity covered by this policy solely by reason of ownership by the Named Insured shown in the Declarations in excess of 50 percent this insurance is excess over the other insurance whether primary excess contingent or on any other basis. ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. CCAB236 0910 Page 10f 1 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY EARLIER NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM SCHEDULE Number of Days Notice 90 If no entry appears above information required to complete this Schedule will be shown in the Declarations as applicable to this endorsement. For any statutorily permitted reason other than nonpayment of premium the number of days required for notice of cancellation as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement is increased to the number of days shown in the Schedule above. ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. Includes copyrighted material of Insurance Services Office Inc. with its permission CCAB237 0910 Page 10f 1 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW VEHICLE REPLACEMENT COST This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indi cated below. Named Insured AG PARTNERS LLC Endorsement Effective Date 12012019 The following is added to paragraph C. Limit Of Insurance of SECTION Il PHYSICAL DAMAGE COVERAGE 1. The provisions of subparagraphs 1. and 3. of paragraph C. Limit Of Insurance do not apply to a covered auto of the private passenger type or a vehicle with a gross vehicle weight of 20000 pounds or less which is a new vehicle. In the event of a total loss to your new vehicle to which this coverage applies we will pay at your option a. The verifiable new vehicle purchase price you paid for your damaged vehicle not including any insurance or warranties purchased b. Ifitis available the purchase price as negotiated by us of a new vehicle of the same make model and equipment or the most similar model available not including any furnishings parts or equipment not installed by the manufacturer or manufacturer s dealership or c. The market value of your damaged vehicle not including any furnishings parts or equipment not installed by the manufacturer or manufacturer s dealership. We will not pay for initiation or set up costs associated with loans or leases. In this endorsement a new vehicle means an auto of which you are the original owner that has not been previously titled and which you purchased less than 365 days before the date of the loss. ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. CCAB241 0213 Page 10f 1 Includes copyrighted material of Insurance Services Office Inc. with its permission Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLLUTION MODIFICATION ENDORSEMENT This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM A. POLLUTION CLARIFICATION The following is added to 11. Pollution of Paragraph B. Exclusions under SECTION Il COVERED AUTOS LIABILITY or to any amendment to or replacement thereof This exclusion applies even if the pollutants have a function in your business operations premises site or location. B. The definition of Pollutants under SECTION V DEFINITIONS is deleted and replaced by L. Pollutants mean a. Any organic or inorganic substance or material that is a solid liquid gaseous or thermal irritant or contaminant including but not limited to smoke vapor soot dust fumes acids alkalis chemicals fibers particles sludge by products biofuels herbicides pesticides insecticides fertilizers and all other similar chemicals and waste. b. Waste includes but is not limited to 1 materials that have been or are to be recycled reconditioned or reclaimed or 2 the excrement of livestock poultry or other animals. c. Pollutants also include gasoline diesel fuel all other petroleum products and their derivatives. ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. Includes copyrighted material of Insurance Services Office Inc. with its permission CCAB251 1013 Page 10of 1 CCAB251 1013 Page 1 of 1 Insured Copy | 2 |
COMMERCIAL AUTO Policy CPP117939A Client 117939 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DRIVER EXCLUSION This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM The following is added to Subparagraph b. of the exceptions in Paragraph A.1. Who Is An Insured under SECTION Il COVERED AUTOS LIABILITY COVERAGE The Driver listed below Driver Name LAYNE VAN RAVENSWAAY WE WILL NOT BE LIABLE FOR ANY ACCIDENT INVOLVING A COVERED AUTO WHILE DRIVEN BY THE DRIVER LISTED ABOVE. If checked this endorsement also applies to any ACCIDENT involving covered mobile equipment that is subject to compulsory or financial responsibility laws or other motor vehicle insurance law where they are licensed or principally garaged. Insured s Signature SIGNATURE ON FILE Date Excluded Driver s Signature SIGNATURE ON FILE Date ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB259 0315 Page 1 0of 1 Insured Copy | 2 |
COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF BODILY INJURY DEFINITION This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE FORM The definition of bodily injury under SECTION V DEFINITIONS is deleted and replaced by C. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. Bodily injury includes mental anguish or other mental injury resulting from bodily injury. ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. Includes copyrighted material of Insurance Services Office Inc. with its permission. CCAB283 0317 Page 1 0of 1 Insured Copy | 2 |
FORM MCS90 Revised 01052017 FORM MCS90 Revised 01052017 OMB No. 2126 0008 Expiration 01312020 A Federal Agency may not conduct or sponsor and a person is not required to respond to nor shall a person be subject to a penalty for failure to comply with a collection of information subject to the requirements of the Paperwork Reduction Act unless that collection of information displays a current valid OMB Control Number. The OMB Control Number for this information collection is 2126 0008. Public reporting for this collection of information is estimated to be approximately 2 minutes per response including the time for reviewing instructions gathering the data needed and completing and reviewing the collection of information. All responses to this collection of information are mandatory. Send comments regarding this burden estimate or any other aspect of this collection of information including suggestions for reducing this burden to Information Collection Clearance Officer Federal Motor Carrier Safety Administration MC RRA Washington D.C. 20590. e United States Department of Transportation Federal Motor Carrier Safety Administration Endorsement for Motor Carrier Policies of Insurance for Public Liabilit under Sections 29 and 30 of the Motor Carrier Act of 1980 FORM MCS90 AG PARTNERS LLC lsuedte 55 pox 38 of 30 EAST MAIN STREET ALBERT CITY IA USA 50510 Datedat DES MOINES IA onthis 1ST dayof DECEMBER 2019 Amending Policy Number CPP117939A Effective Date 12 01 19 Name of Insurance Company NATIONWIDE AGRIBUSINESS INSURANCE COMPANY Countersigned by jrz b 7 W authorized company representative The policy to which this endorsement is attached provides primary or excess insurance as indicated for the limits shown check only one X This insurance is primary and the company shall not be liable for amounts in excessof 1000000 for each accident. This insurance is excess and the company shall not be liable for amounts in excess of Jfor each accident in excess ofthe underlying limit o f Jfor each accident. Whenever required by the Federal Motor Carrier Safety Administration FMCSA the company agrees to furnish the FMCSA a duplicate of said policy and all its endorsements. The company also agrees upon telephone request by an authorized representative of the FMCSA to verify that the policy is in force as of a particular date. The telephone number to call is 800 228 6700 Cancellation of this endorsement may be effected by the company of the insured by giving 1 thirty five 35 days notice in writing to the other party said 35 days notice to commence from the date the notice is mailed proof of mailing shall be sufficient proof of notice and 2 if the insured is subject to the FMCSA s registration requirements under 49 the FMCSA said 30 days notice to commence from the date the notice is received by the FMCSA at its office in Washington DC. s must be transmitted online via the intemet at http www.fmcsa.dot.govurs. continued on next page FORM MCS90 Page 1 of 3 Insured Copy | 2 |
FORM MCS90 Revised 01052017 OMB No. 2126 0008 Expiration 01312020 DEFINITIONS AS USED IN THIS ENDORSEMENT Accident includes continuous or repeated exposure to conditions or which results in bodily injury property damage or environmental damage which the insured neither expected nor intended. Motor Vehicle means aland vehicle machine truck tractor trailer or semitrailer propelled or drawn by mechanical power and used on a highway for transporting property or any combination thereof. Bodily Injury means injury to the body sickness or disease to any person including death resulting from any of these. Property Damage means damage to or loss of use of tangible property. Environmental Restoration means restitution forthe loss damage or destruction of natural resources arising out of the accidental discharge dispersal release or escape into or upon the land atmosphere watercourse or body of water of any commodity transported by a motor carrier. This shall include the cost of removal and the cost of necessary measures taken to minimize or mitigate damage to human health the natural environment fish shellfish and wildlife Public Liabilitymeans liability for bodily injury property damage and environmental restoration. The insurance policy to which this endorsement is attached provides automobile liability insurance and is amended to assure compliance by the insured within the limits stated herein as a motor carrier of property with Sections 29 and 30 of the Motor Carrier Act of 1980 and the rules and regulations of the Federal Motor Carrier Safety Administration FMCSA. In consideration of the premium stated in the policy to which this endorsement is attached the insurer the company agrees to pay within the limits of liability described herein any final judgment recovered against the insured for public liability resulting from negligence in the operation maintenance or use of motor vehicles subject to the financial responsibility requirements of Sections 29 and 30 of the Motor Carrier Act of 1980 regardless of whether or not each motor vehicle is specifically described in the policy and whether or not such negligence occurs on any route or in any territory authorized to be served by the insured or elsewhere. Such insurance as is afforded for public liability does not apply to injury to or death of the insured s employees while engaged in the course of their employment or property transported by the insured designated as cargo. It is understood and agreed that no condition provision stipulation or limitation contained in the policy this endorsement or any other endorsement thereon or violation thereof shall relieve the company from liability or from the payment of any final judgment within the limits of liability herein described irrespective of the financial condition insolvency or bankruptcy of the insured. However all terms conditions and limitations in the policy to which the endorsement is attached shall remain in full forceand effect as binding between the insured and the company. The insured agrees to reimburse the company forany payment made by the company on account of any accident claim or suit involving a breach of the terms of the policy and for any payment that the company would not have been obligated to make under the provisions of the policy except for the agreement contained in this endorsement. It is further understood and agreed that upon failure of the company to pay any final judgment recovered against the insured as provided herein the judgment creditor may maintain an action in any court of competent jurisdiction against the company to compel such payment. The limits of the company s liability for the amounts prescribed in this endorsement apply separately to each accident and any payment under the policy because of anyone accident shall not operate to reduce the liability of the company for the payment of final judgments resulting from any other accident. continued on next page FORM MCS90 Page 2 of 3 Insured Copy | 2 |
FORM MCS90 Revised 01052017 OMB No. 2126 0008 Expiration 01312020 SCHEDULE OF LIMITS PUBLIC LIABILITY Type of carriage Commodity transported January 11985 1 For hire in interstate or foreign commerce with a Property nonhazardous 750000 gross vehicle weight rating of 10000 or more pounds. 2 For hire and Private in interstate foreign or intrastate commerce with a gross vehicle weight rating of 10000 or more pounds Hazardous substances as defined in 49 CFR 171 transported in cargo tanks portable tanks or hopper type vehicles with capacities in excess of 3500 water gallons or in bulk Division 1.1 1.2 and 1.3 materials Division 2.3 Hazard Zone A or Division 6.1 Packing Group Hazard Zone A material in bulk Division 2.1 or 2.2 or highway route controlled quantities of a Class 7 material as defined in 49 CFR 173.403. 5000000 3 For hire and Private in interstate or foreign commerce in any quantity or in intrastate commerce in bulk only with a gross vehicle weight rating of 10000 or more pounds. Oil listed i Cl 2.1 hazardous waste hazardous materials and hazardous substances defined in 49 CFR 171.8 and listed in 49 CFR 172.101 but not mentioned in 2 above or 4 below. 1000000 5000000 4 For hire and Private in interstate or foreign Any quantity of Division 11 1.2 or 1.3 material any 500000 4 For hire and Private In interstate or foreign commerce with a gross vehicle weight rating of less than 10000 pounds The schedule of limits shown does not provide coverage. The limits shown in the schedule are for information purposes only. quantity of a Division 2.3 Hazard Zone A or Division 6.1 Packing Group Hazard Zone A material or highway route controlled quantities of a Class 7 material as defined in 49 CFR 173.403. FORM MCS90 Page 3 of 3 Insured Copy | 2 |
Underwriter POLICY NUMBER COMMERCIAL AUTO CA 20701013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR CERTAIN OPERATIONS IN CONNECTION WITH RAILROADS This endorsement modifies insurance provided under the following AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIERS COVERAGE FORM With respect to coverage provided under this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured Endorsement Effective Date SCHEDULE Scheduled Railroad Designated Job Site ANY RAILROAD WHICH YOU HAVE AGREE TO DESIGNATED JOB SITE IS ALL JOB SITES INDEMNIFY PURSUANT TO A WRITTEN WHERE YOU ARE OPERATING UNDER AND CONTRACT ENTERED INTO WITH SUCH EASEMENT GRANTED BY A RAILROAD AND RAILROAD THAT WAS SIGNED PRIOR TO LOSS IN WHERE YOU HAVE AGREE TO INDEMNIFY SUCH CONNECTION WITH AN EASEMENT GRANTED BY RAILROAD FOR YOUR OPERATIONS PURSUANT SUCH RAILROAD TO YOU. TO SUCH EASEMENT UNDER A WRITTEN CONTRACT ENTERED INTO PRIOR TO LOSS. Information required to complete this Schedule if not shown above will be shown in the Declarations. With respect to the use of a covered auto in operations for or affecting a railroad designated in the Schedule at a Designated Job Site the two exceptions contained in the definition of insured contract relating to construction or demolition operations performed within 50 feet of a railroad do not apply. POLICY NUMBER tive Nata CA 20701013 Insurance Services Office Inc. 2011 Insured Copy Page 1 of 1 | 2 |
CERTIFIED POLICY This certification is affixed to a policy consisting of the renewal certificate for the policy period identified below along with any prior renewal certificates or new business policy containing additional applicable policy forms and endorsements which together is a true and accurate copy of the document in the company s business records as of the date shown below. No additional insurance is afforded by this copy. THE PHOENIX INSURANCE COMPANY Name of Insuring Companyies 680 8M849912 12282018 12282021 01282021 Policy Numbers Policy Periods Date Kenneth Kupec econd Vice President BI Document Management kil 4l 4L T Vi T his certification is affixed to a policy consisting of the renewal certificate for the policy eriod identified below along with any prior renewal certificates or new business olicy containing additional applicable policy forms and endorsements which together 5 a true and accurate copy of the document in the company s business records as of he date shown below. No additional insurance is afforded by this copy. HE PHOENIX INSURANCE COMPANY Name of Insuring Companyies 80 8M849912 12282018 12282021 01282021 olicy Numbers Policy Periods Date Kenneth Kupec econd Vice President 01282021 Date 80 8M849912 olicy Numbers TRAVELERS DOC MGMT Page 1 of 391 | 2 |
TRAVELERS One Tower Square Hartford Connecticut 06183 RENEWAL CERTIFICATE COMMON POLICY DECLARATIONS POLICY NO. 680 8M849912 20 42 STORE PAC PLUS ISSUE DATE 12292020 BUSINESS FURNITURE INSURING COMPANY THE PHOENIX INSURANCE COMPANY 1. NAMED INSURED AND MAILING ADDRESS CLAY PLATTE VENTURE GROUP LLC DBA NELL HILL S 640 E 71ST TER KANSAS CITY MO 64131 2. POLICY PERIOD From 12282020 to 12282021 1201 A.M. Standard Time at your mailing address. 3. LOCATIONS PREM. BLDG. OCCUPANCY ADDRESS same as Mailing Address NO. NO. unless specified otherwise 001 001 FURNITURE 4101 N MULBERRY DR KANSAS CITY MO 64116 002 001 FURNITURE 4205 NW RIVERSIDE ST RIVERSIDE MO 64150 4. COVERAGE PARTS AND SUPPLEMENTS FORMING PART OF THIS POLICY AND INSURING COMPANIES COVERAGE PARTS AND SUPPLEMENTS INSURING COMPANY Businessowners Coverage Part PHX MO 64116 5. The COMPLETE POLICY consists of this declarations and all other declarations and the forms and endorse ments for which symbol numbers are attached on a separate listing. 6. SUPPLEMENTAL POLICIES Each of the following is a separate policy containing its complete provisions. POLICY POLICY NUMBER INSURING COMPANY DIRECT BILL 7. PREMIUM SUMMARY SUBJECT TO AUDIT Provisional Premium Due at Inception Due at Each 38606.00 NAME AND ADDRESS OF AGENT OR BROKER COUNTERSI LOCKTON COMPANIES LLC X3923 444 W 47TH ST STE 900 Au KANSAS CITY MO 64112 ILT0O2508 01 Page 1of 01 DATE Office ELMIRA NY SRV CTR DOWN 12 COUNTERSIGNED BY Authorized Representative DATE 12292020 MO 64112 TRAVELERS DOC MGMT Page 2 of 391 | 2 |
PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting STORE PAC FURNITURE A Custom Insurance Policy Prepared for CLAY PLATTE VENTURE GROUP LLC DBA NELL HILL S 640 E 71ST TER KANSAS CITY MO 64131 Presented by LOCKTON COMPANIES LLC TRAVELERS DOC MGMT Page 3 of 391 | 2 |
A TRAVELERSJ One Tower Square Hartford Connecticut 06183 BUSINESSOWNERS COVERAGE PART DECLARATIONS STORE PAC PLUS POLICY NO. 680 8M849912 20 42 ISSUE DATE 12292020 INSURING COMPANY THE PHOENIX INSURANCE COMPANY POLICY PERIOD From 12 28 20 to 12 28 21 1201 A.M. Standard Time at your mailing address FORM OF BUSINESS LIMITED LIAB CORP COVERAGES AND LIMITS OF INSURANCE Insurance applies only to an item for which a limit or the word included is shown. COMMERCIAL GENERAL LIABILITY COVERAGE OCCURRENCE FORM LIMITS OF INSURANCE General Aggregate except Products Completed Operations Limit 2000000 Products completed Operations Aggregate Limit 2000000 Personal and Advertising Injury Limit 1000000 Each Occurrence Limit 1000000 Damage to Premises Rented to You 300000 Medical Payments Limit any one person 5000 BUSINESSOWNERS PROPERTY COVERAGE DEDUCTIBLE AMOUNT Businessowners Property Coverage 1000 per occurrence. Building Glass 1000 per occurrence. BUSINESS INCOME EXTRA EXPENSE LIMIT Actual loss 5500000 Period of Restoration Time Period Immediately ADDITIONAL COVERAGE ADDITIONAL COVERAGE Fine Arts 25000 subject to a maximum limit of 25000 Other additional coverages apply and may be changed by an endorsement. Please read the policy. SPECIAL PROVISIONS COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMIT MP T0 0102 05 Page1 of2 TRAVELERS DOC MGMT Page 4 of 391 | 2 |
BUSINESSOWNERS PROPERTY COVERAGE PREMISES LOCATION NO. 001 BUILDING NO. 001 LIMIT OF COVERAGE INSURANCE VALUATIO BUILDING 6240000 RC Replacement Cost INFLATION VALUATION COINSURANCE GUARD RC 0.0 LIMIT OF COVERAGE INSURANCE BUILDING 6240000 Replacement Cost BUSINESS PERSONAL PROPERTY 1040000 Replacement Cost COVERAGE EXTENSIONS Accounts Receivable 25000 Valuable Papers 25000 PREMISES LOCATION NO. 002 BUILDING RC.0 wan 25000 25000 BUILDING NO. LIMIT OF INSURANCE 2807368 o001 INFLATION VALUATION COINSURANCE GUARD RC 0.0 LIMIT OF COVERAGE INSURANCE BUILDING 2807368 Replacement Cost BUSINESS PERSONAL PROPERTY 1040000 Replacement Cost COVERAGE EXTENSIONS Accounts Receivable 25000 Valuable Papers 25000 INFLATIO VALUATION COINSURANCE GUARD RC 0.0 RC 0.0 Other coverage extensions apply and may be changed by an endorsement. Please read the policy. RC.0 MP TO 01 02 05 Page2 of2 TRAVELERS DOC MGMT Page 5 of 391 | 2 |
POLICY NUMBER 680 8M849912 20 42 EFFECTIVE DATE 12282020 ISSUE DATE 12292020 LISTING OF FORMS ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS IL MP IL IL BUSINESSOWNERS MP CP MP MP MP MP MP MP MP MP MP MP TO TO T8 T3 TO 12 T1 T1 T3 T3 T3 T3 T3 T3 T3 T5 COMMERCIAL ce ce ce ce ce ce ce ce ce ce ce ce ce TO TO TO T1 D3 D2 D8 D4 D6 D1 26 F2 F9 25 01 01 15 25 18 30 02 63 07 25 41 49 50 56 37 o8 02 01 09 02 10 02 02 03 03 01 02 10 11 02 11 01 05 01 07 05 12 05 05 15 97 15 05 06 06 08 13 RENEWAL CERTIFICATE BUSINESSOWNERS COVERAGE PART DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS SPECIAL PROVISIONS LOSS PAYEE LOSS PAYABLE PROVISIONS TABLE OF CONTENTS BUSINESSOWNERS COVERAGE PART DELUXE PLAN BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM POWER PAC PREMIER ENDORSEMENT PROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTS FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE THEFT OF MONEY AND SECURITIES LIMITATION BUSINESS INCOME AND EXTRA EXPENSE POLICY LEVEL DOLLAR LIMIT ENDORSEMENT EQUIPMENT BREAKDOWN SERVICE INTERRUPTION LIMITATION AMENDATORY PROVISIONS GREEN BUILDING AND BUSINESS PERSONAL PROP COV ENHANCEMENTS MISSOURI CHANGES GENERAL LIABILITY 07 08 34 00 09 03 42 21 18 42 50 50 34 04 07 02 02 02 12 02 07 10 02 04 09 02 09 86 19 19 19 97 19 08 11 19 13 08 19 DECLARATIONS PREMIUM SCHEDULE KEY TO DECLARATIONS PREMIUM SCHEDULE TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG T1 00 02 19 COMMERCIAL GENERAL LIABILITY COVERAGE FORM AMENDATORY ENDORSEMENT PRODUCTS COMPLETED OPERATIONS HAZARD AMEND NON CUMULATION OF EACH OCC XTEND ENDORSEMENT FOR SMALL BUSINESSES AMEND CONTRAL LIAB EXCL EXC TO NAMED INS EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS EXCLUSION DISCRIMINATION MISSOURI CHANGES MEDICAL PAYMENTS MISSOURI CHANGES DEFINITION OF POLLUTANTS AMENDMENT OF DUTIES IN EVENT OF AN OCCURRENCE OFFENSE CLAIM OR SUIT CONDITION TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 1 OF 3 TRAVELERS DOC MGMT Page 6 of 391 RENEWAL CERTIFICATE BUSINESSOWNERS COVERAGE PART DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS IL T8 010101 | 2 |
POLICY NUMBER 680 8M849912 20 42 EFFECTIVE DATE 12282020 ISSUE DATE 12292020 CYBERFIRST PR PR PR PR PR PR PR TO T1 T1 T5 T4 T5 F3 EMPLOYMENT PR PR PR PR TO T1 T5 F1 ESSENTIALS LIABILITY ENDORSEMENTS 22 13 14 21 97 14 63 02 02 02 03 03 01 02 12 12 12 15 15 15 12 CYBERFIRST ESSENTIALS COVERAGE PART DECLARATIONS CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM COVG FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS CYBERFIRST ESSENTIALS BREACH ESSENTIALS ENDORSEMENT AMEND OF AI AND PI DEFINITIONS INFORMATION SECURITY LIABILITY MISSOURI MANDATORY ENDORSEMENT PRACTICES LIABILITY 07 10 23 39 02 04 03 04 MULTIPLE SUBLINE CG T3 33 11 CG 26 25 04 INTERLINE ENDORSEMENTS IL IL IL IL IL IL IL IL IL T3 T4 T4 T4 T3 00 01 02 FO 68 12 14 27 82 21 05 74 61 POLICY HOLDER PN PN PN PN PN T4 T5 MP T7 MP 54 86 57 72 38 01 03 01 02 05 09 10 02 09 NOTICES 01 04 04 07 01 15 EMPLOYMENT PRACTICES LIAB COVG PART DEC 09 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM 15 COVG FOR FINANCIAL INTEREST IN FOREIGN ORGANIZATIONS EMPLOYMENT PRACTICES LIABILITY 09 MISSOURI MANDATORY ENDORSEMENT ENDORSEMENTS 03 LIMITATION WHEN TWO OR MORE POLICIES APPLY 05 15 15 15 19 13 o8 o8 13 07 o8 09 17 11 11 MISSOURI CHANGES GUARANTY ASSOCIATION FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE AMNDT COMMON POLICY COND PROHIBITED COVG CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM ADDITIONAL BENEFITS EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM MISSOURI CHANGES POLLUTION MISSOURI CHANGES CANCELLATION AND NONRENEWAL MISSOURI CHANGES DEFINITION OF POLLUTANTS IMPORTANT NOTICE REGARDING INDEPENDENT AGENT AND BROKER COMPENSATION EPL RISK MANAGEMENT LETTER IMP NOT PROT SAFEGUARDS SPRK AND REST IMPORTANT NOTICE EMPLOYMENT PRACTICES LIABILITY HOTLINE IMPORTANT NOTICE JURISDICTIONAL INSPECTIONS TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 2 OF 3 TRAVELERS DOC MGMT Page 7 of 391 ILT8010101 | 2 |
POLICY NUMBER 680 8M849912 20 42 EFFECTIVE DATE 12282020 ISSUE DATE 12292020 PN T2 04 05 10 IMPORTANT NOTICE CONTACT INFO MISSOURI TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. 3010101 PAGE 3 OF 3 TRAVELERS DOC MGMT Page 8 of 391 ILT8010101 | 2 |
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A TRAVELERSJ One Tower Square Hartford Connecticut 06183 MORTGAGEES POLICY NO. 680 8M849912 20 42 ISSUE DATE 12292020 PREMISES LOCATION NUMBER 002 BUILDING NUMBER 001 LOCATION BUILDING MORTGAGE HOLDER NUMBER NUMBER NAME AND MAILING ADDRESS 002 001 NODAWAY VALLEY BANK PO BOX 7315 SAINT JOSEPH MO 64507 MPT0200205 Page1l of1 TRAVELERS DOC MGMT Page 11 of 391 | 2 |
N TRAVELERS.I One Tower Square Hartford Connecticut 06183 SPECIAL PROVISIONS POLICY NO. 680 8M849912 20 42 LOSS PAYEE ISSUE DATE 12292020 PREMISES LOCATION NUMBER 001 BUILDING NUMBER 001 LOSS PAYEE NAME AND MAILING ADDRESS BYLINE BANK ITS SUCCESSORS AND OR ASSIGNS PO BOX 12111 EVERETT WA 982 WA 98206 nan nan nan nan 2.0 nan nan nan nan 1.0 BYLINE BANK ITS SUCCESSORS AND OR ASSIGNS PO BOX 12111 EVERETT WA 982 WA 98206 nan nan nan nan 2.0 nan nan nan nan 1.0 NODAWAY VALLEY BANK PO BOX 7315 SAINT JOSEPH MO 64507 nan nan nan nan 2.0 nan nan nan nan 1.0 PLATTE VALLEY BANK OF MISSOURI 9591 N MCGEE ST KANSAS CITY MO 6415 MO 64155 MPT0250205 Pagel ofl TRAVELERS DOC MGMT Page 12 of 391 | 2 |
COMMERCIAL PROPERTY POLICY NUMBER 680 8M849912 20 42 ISSUE DATE 12292020 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PAYABLE PROVISIONS This endorsement modifies insurance provided under the following BUILDERS RISK COVERAGE FORM BUILDING AND PERSONAL PROPERTY COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT OWNERS COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE Location Number 001 Building Number 001 Applicable Clause Enter C.1C.2C3.0rC4 C.1 Description Of Property BUSINESS PERSONAL PROPERTY Loss Payee Name BYLINE BANK ITS SUCCESSORS AND OR ASSIGNS Loss Payee Address PO BOX 12111 EVERETT WA 98206 Location Number 002 Building Number 001 Applicable Clause Enter C.1. C.2 C.3.0r C.4 C.1 Description Of Property BUSINESS PERSONAL PROPERTY Loss Payee Name BYLINE BANK ITS SUCCESSORS AND OR ASSIGNS Loss Payee Address PO BOX 12111 EVERETT WA 98206 Location Number 002 Building Number o001 Applicable Clause Enter C.1C.2C.3.0rC4. C.1 Description Of Property BUSINESS PERSONAL PROPERTY Loss Payee Name NODAWAY VALLEY BANK Loss Payee Address PO BOX 7315 SAINT JOSEPH MO 64507 Information required to complete this Schedule if not shown above will be shown in the Declarations. S oss Payee Name BYLINE BANK ITS SUCCESSORS AND OR ASSIGNS oss Payee Address PO BOX 12111 et SVelffee SASoVAEAa FREAaRLE oss Payee Name BYLINE BANK ITS SUCCESSORS AND OR ASSIGNS oss Payee Address PO BOX 12111 SR IEEEI A BUeLANOee SaloasaL FaVsLanL s oss Payee Name NODAWAY VALLEY BANK oss Payee Address PO BOX 7315 Insurance Services Office Inc. 2011 Page 1 of4 TRAVELERS DOC MGMT Page 13 of 391 CP 12181012 | 2 |
COMMERCIAL PROPERTY 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. Nothing in this endorsement increases the applicable Limit of Insurance. We will not pay any Loss Payee more than their financial interest in the Covered Property and we will not pay more than the applicable Limit of Insurance on the Covered Property. C. The following is added to the Loss Payment Loss Condition as indicated in the Declarations or in the Schedule 1. Loss Payable Clause For Covered Property in which both you and a Loss Payee shown in the Schedule or in the Declarations have an insurable interest we will Adjust losses with you and b. Pay any claim for loss or damage jointly to you and the Loss Payee as interests may appear 2. Lender s Loss Payable Clause a. The Loss Payee shown in the Schedule or in the Declarations is a creditor including a mortgageholder or trustee whose interest in Covered Property is established by such written instruments as 1 Warehouse receipts 2 A contract for deed 3 Bills of lading 4 Financing statements or 5 Mortgages deeds of trust or security agreements. b. For Covered Property in which both you and a Loss Payee have an insurable interest 1 We will pay for covered loss or damage to each Loss Payee in their order of precedence as interests may appear. 2 The Loss Payee has the right to receive loss payment even if the Loss Payee has started foreclosure or similar action on the Covered Property. c. 3 If we deny your claim because of your acts or because you have failed to comply with the terms of the Coverage Part the Loss Payee will still have the right to receive loss payment if the Loss Payee a Pays any premium due under this Coverage Part at our request if you have failed to do so b Submits a signed sworn proof of loss within 60 days after receiving notice from us of your failure to do so and c Has notified us of any change in ownership occupancy or substantial change in risk known to the Loss Payee. All of the terms of this Coverage Part will then apply directly to the Loss Payee. If we pay the Loss Payee for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part a The Loss Payee s rights will be transferred to us to the extent of the amount we pay and b The Loss Payee s rights to recover the full amount of the Loss Payee s claim will not be impaired. At our option we may pay to the Loss Payee the whole principal on the debt plus any accrued interest. In this event you will pay your remaining debt to us. If we cancel this policy we will give written notice to the Loss Payee at least 1 10 days before the effective date of cancellation if we cancel for your nonpayment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. If we elect not to renew this policy we will give written notice to the Loss Payee at least 10 days before the expiration date of this policy. Insurance Services Office Inc. 2011 Page 2 of 4 TRAVELERS DOC MGMT Page 14 of 391 CP 12181012 | 2 |
COMMERCIAL PROPERTY For Covered Property that is the subject of a contract of sale the word you includes the Loss Payee. 4. Building Owner Loss Payable Clause The Loss Payee shown in the Schedule or in the Declarations is the owner of the described building in which you are a tenant. We will adjust losses to the described building with the Loss Payee. Any loss payment made to the Loss Payee will satisfy your claims against us for the owner s property. We will adjust losses to tenants improvements and betterments with you unless the lease provides otherwise. 3. Contract Of Sale Clause a. The Loss Payee shown in the Schedule or in the Declarations is a person or organization you have entered into a contract with for the sale of Covered Property. For Covered Property in which both you and the Loss Payee have an insurable interest we will 1 Adjust losses with you and 2 Pay any claim for loss or damage jointly to you and the Loss Payee as interests may appear. The following is added to the Other Insurance Condition Insurance Services Office Inc. 2011 Page 3 of4 TRAVELERS DOC MGMT Page 15 of 391 CP 12181012 | 2 |
COMMERCIAL PROPERTY POLICY NUMBER 680 8M849912 20 42 ISSUE DATE 12292020 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOSS PAYABLE PROVISIONS SCHEDULE Location Number 2 Building Number 1 Applicable Clause Enter C.1.C.2C.3.0rC4. C.1 Description Of Property BUSINESS PERSONAL PROPERTY Loss Payee Name PLATTE VALLEY BANK OF MISSOURI Loss Payee Address 9591 N MCGEE ST KANSAS CITY MO 64155 I oss Payee Name PLATTE VALLEY BANK OF MISSOURI oss Payee Address 9591 N MCGEE ST Insurance Services Office Inc. 2011 Page 4 of 4 TRAVELERS DOC MGMT Page 16 of 391 CP 12181012 | 2 |
ICY NUMBER 680 8M849912 20 42 BUSINESSOWNERS ISSUE DATE 12292020 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Power Pac Premier Endorsement POLICY NUMBER 680 8M849912 20 42 This endorsement modifies insurance provided under the following BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM SCHEDULE Computer Fraud and Funds Transfer Fraud Limit of Insurance 10000 The BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM is changed as follows 1. The following Additional Coverage is added to paragraph A.6. Blanket Coverage Limit of Insurance We will pay up to 250000 in any one occurrence as a Blanket Coverage Limit of Insurance for the sum of all covered loss at each described prem ises under the coverages described in para graphs a. through d. below. You may apportion this limit among these coverages as you choose. Unless otherwise stated this Blanket Coverage Limit of Insurance is in addition to any other Limit of Insurance that may be provided by this policy for the following coverages. a. Accounts Receivable Within the Blanket Coverage Limit of Insur ance when a Limit of Insurance is shown in the Declarations for Business Personal Prop erty at the described premises we will pay for direct physical loss of or damage to your re cords of accounts receivable including those on electronic data processing media on or away from each described premises includ ing while in transit caused by or resulting from a Covered Cause of Loss. Credit card company media will be considered accounts receivable until delivered to the credit card company. This coverage applies as described in Para graphs A.7.a.2 and A.7.a.3 and is subject to the provisions that apply to those Para graphs. b. Excess Debris Removal 1 Within the Blanket Coverage Limit of In surance we will pay your expense to re move debris of Covered Property other than outdoor trees shrubs plants and lawns as described in the Outdoor Trees Shrubs Plants and Lawns Coverage Ex tension caused by or resulting from a Covered Cause of Loss that occurs dur ing the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of di rect physical loss or damage. 2 Debris Removal does not apply to costs to aExtract pollutants from land or water or bRemove restore or replace polluted land or water. 3 When the debris removal expense ex ceeds the 25 limitation in Additional Coverage Debris Removal in Section A.6.c.3 or when the sum of the debris removal expense and the amount we pay for the direct physical loss of or damage to Covered Property exceeds the applica ble Limit of Insurance we will pay up to the Blanket Coverage Limit of Insurance for debris removal expense in any one occurrence at each described premises. c. Spoilage Coverage 1 Within the Blanket Coverage Limit of In surance when a Limit of Insurance is shown in the Declarations for Business Personal Property at the described prem ises you may extend that insurance to apply to direct physical loss of or damage to Perishable Stock caused by or result ing from a covered cause of loss de scribed in Paragraph 3 below and not excluded in Paragraph 4 below. 2015 The Travelers Indemnity Company. Al rights reserved. Page 1 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 17 of 391 MP T3 63 03 15 | 2 |
BUSINESSOWNERS tional Coverage does not apply ble Stock while located lildings open or licles. ect to this Additional Cover red cause of loss means the down or Contamination ing hange in temperature or hu idity resulting from mechani al breakdown or failure of re igerating cooling or humidity ontrol apparatus or equip ent only while such equip lent or apparatus is at the escribed premises or ontamination by a refriger nt only while the refrigerat g apparatus or equipment is the described premises or r Outage meaning change in rature or humidity resulting complete or partial interruption ctrical power either on or off scribed premises due to con s beyond your control. nving exclusions apply to this Coverage ill not pay for loss or damage d directly or indirectly by any following regardless of any cause or event that contrib concurrently or in any se e to the loss lanual disconnecting of any frigeration cooling heating r humidity control system om the source of electric ower erminating of electric power ue to throwing or turning off ny switch or other device sual to the shutting off of ectric power on the de cribed premises or tentional decision of an elec ic utility company or other ource of electric power not to rovide sufficient power or the 2015 The Travelers Indemnity Company. All rights reserved. inability of such company or source to provide sufficient power due to lack of fuel governmental order or lack of generating capacity to meet the demand. b Paragraph B.1.b. Earth Movement c Paragraph B.1.c. Govern mental Action d Paragraph B.1.d. Nuclear Hazard e Paragraph B.1.f. War and Military Action f Paragraph B.1.g. Water and g Paragraph B.1.h. Neglect. No other exclusions in Paragraph B. Exclusions apply to this Additional Cov erage. However if any exclusions are added by endorsement to this Coverage Form such exclusions will apply to this Additional Coverage. With respect to this Additional Cover age Perishable Stock means personal property a Maintained under controlled condi tions for its preservation and 5 b Susceptible to loss or damage if the controlled temperature or humidity conditions change. Valuable Papers and Records Within the Blanket Coverage Limit of Insur ance when a Limit of Insurance is shown in the Declarations for Business Personal Prop erty at the described premises we will pay for direct physical loss of or damage to valua ble papers and records that a You own or b Are owned by others but in your care custody or control caused by or resulting from a Covered Cause of Loss. This coverage applies as described in Para graphs A.7.s.2 and A.7.s.3 and is subject to the provisions that apply to those Para graphs. With respect to property of others covered under this Additional Coverage the owner may have other insurance covering the same MP T3 63 03 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 18 of 391 2 This Additional Coverage does not apply to Perishable Stock while located a On buildings b In the open or c In vehicles. With respect to this Additional Cover age covered cause of loss means the following 3 a Breakdown or Contamination meaning i Change in temperature or hu midity resulting from mechani cal breakdown or failure of re frigerating cooling or humidity control apparatus or equip ment only while such equip ment or apparatus is at the described premises or ii Contamination by a refriger ant only while the refrigerat ing apparatus or equipment is at the described premises or b Power Outage meaning change in temperature or humidity resulting from complete or partial interruption of electrical power either on or off the described premises due to con ditions beyond your control. The following exclusions apply to this Additional Coverage a We will not pay for loss or damage caused directly or indirectly by any of the following regardless of any other cause or event that contrib utes concurrently or in any se quence to the loss i Manual disconnecting of any refrigeration cooling heating or humidity control system from the source of electric power ii Terminating of electric power due to throwing or turning off any switch or other device usual to the shutting off of electric power on the de scribed premises or iii Intentional decision of an elec tric utility company or other source of electric power not to provide sufficient power or the Page 2 of 16 reserved. with its permission. | 2 |
BUSINESSOWNERS property as this insurance. This insurance is intended to be primary and not to contribute with such other insurance. With respect to Extended Business Income the time frame referenced in Paragraph A.3.c.2b is increased from sixty consecutive days to ninety consecutive days. The limit applicable to the Additional Coverage Arson and Theft Reward is increased by 25000. The limit applicable to the Additional Coverage Claim Data Expense is increased from 5000 to 25000. The limit applicable to the Additional Coverage Newly Acquired or Constructed Property for Building is increased from 500000 to 1000000. The limit applicable to the Additional Coverage Newly Acquired or Constructed Property for Business Personal Property is increased from 250000 to 500000. With respect to the Additional Coverage Ordi nance or Law coverage is extended to include tenant improvements and betterments as de scribed in Paragraph A.1.b.3 if 1 You are a tenant and 2 A Limit of Insurance is shown in the Declara tions for Business Personal Property at the described premises. The limit applicable to the Additional Coverage Outdoor Trees Shrubs Plants and Lawns is increased from 3000 to 5000. The following Additional Coverages are added to Paragraph A.6. a. Brands or Labels If a limit of insurance is shown in the Declara tions for Business Personal Property and if branded or labeled merchandise that is Cov ered Property is damaged by a Covered Cause of Loss we may take all or part of the property at an agreed or appraised value. If S0 you may 1 Stamp the word Salvage on the merchan dise or its containers if the stamp will not physically damage the merchandise or 2 Remove the brands and labels if doing so will not physically damage the mer chandise or its containers to comply with the law. We will pay reasonable costs you incur to perform the activity described in Paragraphs 1 and 2 above. Payments under this Additional Coverage are subject to and not in addition to the applicable Limits of Insurance. b. Contract Penalty Clause 1 We will pay contract penalties you incur 2 as a result of your failure to deliver your products or services within the time re quired under the terms of a written con tract. But this Additional Coverage only applies if the failure is solely due to direct physical loss of or damage to property at the described premises caused by or re sulting from a Covered Cause of Loss. The most we will pay under this Addition al Coverage is 1000 for the sum of all covered contract penalties arising out of all Covered Causes of Loss occurring during each separate 12 month period of this policy beginning with the effective date of this endorsement. c. Identity Fraud Expense 1 We will pay for Expenses incurred by an 2 Insured Person as a direct result of any one Identity Fraud first discovered or learned of by such Insured Person during the policy period. Any act or series of acts committed by one or more persons or in which such person or persons are aiding or abetting others against an Insured Person is con sidered to be one Identity Fraud even if a series of acts continues into a subse quent policy period. With respect to this Additional Coverage a Expenses means i Costs for notarizing affidavits or similar documents attesting to fraud required by financial institutions or similar credit grantors or credit agencies ii Costs for certified mail to law enforcement agencies credit agencies financial institutions or similar credit grantors Lost income resulting from a Time taken off work to com plete fraud affidavits or 2015 The Travelers Indemnity Company. Al rights reserved. Page 3 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 19 of 391 MP T3 63 03 15 | 2 |
BUSINESSOWNERS b Meeting with or talking to law enforcement agencies credit agencies or legal counsel up to a total payment of 5000 subject to a maximum of 200 per day iv Loan application fees for reap plying for a loan or loans when the original application is re jected solely because the lend er received incorrect credit in formation v Reasonable attorney fees to a Defend lawsuits brought against an Insured Person by merchants vendors suppli ers financial institutions or their collection agencies b Remove any criminal or civil judgments wrongly entered against an Insured Person or c Challenge the accuracy or completeness of any informa tion in a consumer credit re port vi Charges for long distance tele phone calls to a Merchants b Law enforcement agencies c Financial institutions or simi lar credit grantors or d Credit agencies or vii Reasonable fees for professio nal financial advice or professio nal credit advice. b Identity Fraud means The act of knowingly transferring or using without lawful authority a means of identification of an Insured Person with the intent to commit or to aid or abet another to commit any unlawful activity that constitutes a vi olation of federal law or a felony under any applicable state or local law and ii For partnerships Any individual that is a partner of the Named Insured shown in the Declarations iii For corporations or any other type of organization The Chief Executive Officer and any individual who has an owner ship interest of at least 20 of the Named Insured shown in the Declarations or iv For religious institutions The individual who is the senior pastoral employee of the Named Insured shown in the Declarations. 3 The following additional exclusions apply 4 5 to this Additional Coverage We will not pay for a Expenses incurred due to any fraudu lent dishonest or criminal act by i An Insured Person ii Any person aiding or abetting an Insured Person or iii Any authorized representative of an Insured Person whether acting alone or in collusion with others b Expenses incurred that are not re lated to the identity of an individual or c Loss other than Expenses. Account balances which arise out of fraudu lent or unauthorized charges would be one example of Loss other than Expenses. d An Identity Fraud discovered during such time that an individual was not an Insured Person. This Additional Coverage does not apply to Expenses otherwise covered under the Unauthorized Business Card Use Addi tional Coverage. Regardless of the amount of the Busi nessowners Property Coverage Deducti I d P A15ure erson means ble shown in the Declarations the most i For sole proprietorships we will deduct from any claim for Ex The individual who is the sole penses under this Additional Coverage proprietor of the Named Insured for any one Identity Fraud is 250. shown in the Declarations 6 The most we will pay under this Additional 16 2015 The Travelers Indemnity Company. Al rights reserved. MP T3 6303 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 20 of 391 Page 4 of 16 nission. | 2 |
BUSINESSOWNERS 7 Coverage is 15000 for the sum of all covered Expenses arising out of all Iden tity Fraud against an Insured Person dis covered during each separate 12 month period of this policy beginning with the ef fective date of this endorsement. In order for coverage to be provided under this Additional Coverage you must Send to us within 60 days after our re quest receipts bills or other records that support your claim for Expenses under Identity Fraud coverage. d. Lease Assessment 1 When a Limit of Insurance is shown in the 2 Declarations for Business Personal Prop erty at the described premises we will pay for your share of any assessment charged a To all tenants by the building owner b Pursuant to a written lease agree ment and c As a result of direct physical loss or damage by a Covered Cause of Loss to building property you occupy. The most we will pay for loss under this Additional Coverage is 2500 in any one occurrence. e. Lost Key Consequential Loss 1 We will pay for consequential loss to keys 2 and locks if a master key to buildings rooms or compartments that are Covered Property or house Covered Property at the described premises is lost or dam aged from a Covered Cause of Loss. We will pay for the necessary costs you incur to a Replace keys and b Either i Readjust existing locks to accept new keys or ii Replace existing locks but only if necessary or less expensive than the cost of adjusting the existing locks. Paragraph B.2.h. does not apply to this Additional Coverage except with respect to dishonest or criminal act by you or any of your partners directors or trustees. 3 Paragraph B.2.m. does not apply to this is 15000 for the sum of all xpenses arising out of all Iden against an Insured Person dis luring each separate 12 month this policy beginning with the ef te of this endorsement. for coverage to be provided is Additional Coverage you is within 60 days after our re eipts bills or other records that our claim for Expenses under raud coverage. sment imit of Insurance is shown in the ns for Business Personal Prop e described premises we will our share of any assessment tenants by the building owner ant to a written lease agree and result of direct physical loss or ge by a Covered Cause of Loss Iding property you occupy. we will pay for loss under this Coverage is 2500 in any one e. 1sequential Loss y for consequential loss to keys if a master key to buildings compartments that are Covered or house Covered Property at ibed premises is lost or dam 1 a Covered Cause of Loss. We r the necessary costs you incur ce keys and eadjust existing locks to accept ew keys or eplace existing locks but only if ecessary or less expensive than e cost of adjusting the existing cks. 1 B.2.h. does not apply to this Coverage except with respect st or criminal act by you or any rtners directors or trustees. 1 B.2.m. does not apply to this 2015 The Travelers Indemnity Company. All rights reserved. f. 10. 4 Additional Coverage. The most we will pay for loss or damage under this Additional Coverage is 2500 at each described premises. Unauthorized Business Card Use 2 3 We will pay for your loss of money or charges and costs you incur that result directly from the unauthorized use of credit debit or charge card accounts is sued in your business name including a Fund transfer cards b Charge plates or c Telephone cards. With respect to this Additional Coverage occurrence means an act or series of re lated acts involving one or more persons or an act or event or a series of related acts or events not involving any person is considered one occurrence. The most we will pay under this Addition al Coverage in any one occurrence is 5000 regardless of the number of premises involved. Utility Services Direct Damage 3 4 We will pay for loss of or damage to Cov ered Property caused by the interruption of services to the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to the following property not on the described premises a Water Supply Services b Communication Supply Services or c Power Supply Services. With respect to this Additional Coverage Paragraphs G. and G.22.b are de leted. The most we will pay for loss or damage under this Additional Coverage is 25000 at each described premises but we will not pay more than 100000 in any one occurrence regardless of the number of premises involved. Payments under this Additional Coverage are subject to and not in addition to the applicable Limit of Insurance. The following Additional Coverage is added but only with respect to described premises to which no Ordinance or Law Coverage A ap plies other than as provided under Paragraph Page 5 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 21 of 391 MP T3 6303 15 nission. | 2 |
BUSINESSOWNERS r Law Coverage A Cover to the Undamaged Portion of t of Insurance is shown in the ons for Building in the event of by a Covered Cause of Loss we for loss in value of the undam tion of the building as a conse of enforcement of the minimum ents of any ordinance or law iires the demolition of undam ts of the same building. rage provided by this Additional apply only if both 2a and satisfied and are then subject lifications set forth in 3. rdinance or law egulates the demolition con ruction or repair of buildings or stablishes zoning or land use re uirements at the described remises and in force at the time of loss. age under this Additional Cover 2s only in response to the mini uirements of the ordinance or es and costs incurred in comply ecommended actions or stand exceed actual requirements are ed under this Additional Cover he building sustains direct phys al damage that is covered nder this policy and such dam ge results in enforcement of the rdinance or law or he building sustains both direct hysical damage that is covered nder this policy and direct physi 2l damage that is not covered nder this policy and the building amage in its entirety results in nforcement of the ordinance or w. ut if the building sustains direct hysical damage that is not cov red under this policy and such amage is the subject of the ordi ance or law then there is no overage under this Additional overage even if the building has also sustained covered direct physical damage. 3 In the situation described in 2bii above we will not pay the full amount of loss otherwise payable under the terms of this Additional Coverage. In stead we will pay a proportion of such loss meaning the proportion that the covered direct physical dam age bears to the total direct physical damage. However if the covered direct physi cal damage alone would have re sulted in enforcement of the ordi nance or law then we will pay the full amount of loss otherwise payable under the terms of this Additional Coverage. 4 We will not pay under this Additional Coverage for a Enforcement of any ordinance or law which requires the demoli tion repair replacement recon struction remodeling or remedia tion of property due to contami nation by pollutants or due to the presence growth prolifera tion spread or any activity of fungus wet rot or dry rot or b The costs associated with the en forcement of any ordinance or law which requires any insured or others to test for monitor clean up remove contain treat detox ify or neutralize or in any way re spond to or assess the effects of pollutants fungus wet rot or dry rot. 5 Specific or Blanket Insurance a Specific Insurance With respect to the building in sured on a specific insurance basis that has sustained cov ered direct physical damage we will pay under this Additional Coverage for the loss in value of the undamaged portion of the building as a consequence of enforcement of an ordinance or law that requires demolition of undamaged parts of the same building as described in para graph 6bi and 6bii be low. 2015 The Travelers Indemnity Company. Al rights reserved. MP T3 63 03 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 22 of 391 A6.k. Ordinance or Law Coverage A Cover age For Loss to the Undamaged Portion of the Building W If a Limit of Insurance is shown in the Declarations for Building in the event of damage by a Covered Cause of Loss we will pay for loss in value of the undam aged portion of the building as a conse quence of enforcement of the minimum requirements of any ordinance or law that requires the demolition of undam aged parts of the same building. The coverage provided by this Additional Coverage apply only if both 2a and 2b are satisfied and are then subject to the qualifications set forth in 3. a The ordinance or law i Regulates the demolition con struction or repair of buildings or establishes zoning or land use re quirements at the described premises and ii Is in force at the time of loss. But coverage under this Additional Cover age applies only in response to the mini mum requirements of the ordinance or law. Losses and costs incurred in comply ing with recommended actions or stand ards that exceed actual requirements are not covered under this Additional Cover age. b i The building sustains direct phys ical damage that is covered under this policy and such dam age results in enforcement of the ordinance or law or ii The building sustains both direct physical damage that is covered under this policy and direct physi cal damage that is not covered under this policy and the building damage in its entirety results in enforcement of the ordinance or law. iii But if the building sustains direct physical damage that is not cov ered under this policy and such damage is the subject of the ordi nance or law then there is no coverage under this Additional Coverage even if the building has Page 6 of 16 | 2 |
BUSINESSOWNERS will not pay more than the lesser of a The amount you actually spend to repair rebuild or re construct the building but not for more than the amount it would cost to restore the building on the same prem ises and to the same height floor area style and compa rable quality of the original property insured or b The Limit of Insurance shown in the Declarations as appli cable to the covered building. ii If Replacement Cost coverage applies on a specific insurance basis and the property is not re paired or replaced or if the op tional Actual Cash Value is appli cable on a specific insurance basis to real property we will not pay more than the lesser of a The actual cash value of the building at the time of loss or b The Limit of Insurance shown in the Declarations as appli cable to the covered building. c Blanket Insurance If Replacement Cost coverage applies on a blanket insurance basis and the property is being repaired or replaced on the same or another premises we will not pay more than the lesser of i The amount you actually spend to repair rebuild or re construct the building but not for more than the amount it would cost to restore the building on the same prem ises and to the same height floor area style and compa rable quality of the original property insured or ii The value individually stated for the covered building on the latest statement of values on file with us. If at the time of loss there is no statement of values on file with us or the value for the covered b Blanket Insurance With respect to the building in sured on a blanket insurance basis that has sustained covered direct physical damage we will pay under this Additional Cover age for the loss in value of the undamaged portion of the build ing as a consequence of enforce ment of an ordinance or law that requires demolition of undam aged parts of the same building as described in paragraph 6c and 6d below. As used in this Additional Cover age the terms specific insur ance and blanket insurance have the following meanings Specific insurance covers each item of insurance for example each building under a separate Limit of Insurance. Blanket insur ance covers two or more items of insurance for example a build ing and personal property in that building or two buildings under a single Limit of Insurance. c C This Additional Coverage is in cluded in the Limit of Insurance shown in the Declarations as ap plicable to the covered building. This Additional Coverage does not increase the Limit of Insur ance. 6 Loss Payment b The following loss payment provision is subject to the apportionment pro cedures set forth in Paragraphs 2 and 3 above. When there is a loss in value of an undamaged portion of a building to which this Additional Coverage ap plies the loss payment for that build ing including damaged and undam aged portions will be determined as follows Specific Insurance i If Replacement Cost coverage applies on a specific insurance basis and the property is being repaired or replaced on the same or another premises we 2015 The Travelers Indemnity Company. Al rights reserved. Page 7 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 23 of 391 MP T3 63 03 15 | 2 |
BUSINESSOWNERS building or structure is not in dividually stated on the latest statement of values on file with us the value of the building or structure will be determined by multiplying a The total reported build ing and structure value by b The proportion that the square footage of the in dividual building or struc ture bears to the total square footage of all buildings and structures contemplated in the total reported building and structure value. d If Replacement Cost coverage applies on a blanket insurance basis and the property is not re paired or replaced or if the op tional Actual Cash Value is appli cable on a blanket insurance basis to real property we will not pay more than the lesser of i The actual cash value of the building at the time of loss or ii The value individually stated for the covered building on the latest statement of values on file with us. If at the time of loss there is no statement of values on file with us or the value for the covered building or structure is not in dividually stated on the latest statement of values on file with us the value of the building or structure will be determined by multiplying a The total reported build ing and structure value by b The proportion that the square footage of the in dividual building or struc ture bears to the total square footage of all buildings and structures contemplated in the total reported building and structure value. building or structure is not in dividually stated on the latest statement of values on file with us the value of the building or structure will be determined by multiplying a The total reported build ing and structure value by b The proportion that the square footage of the in dividual building or struc ture bears to the total square footage of all buildings and structures contemplated in the total reported building and structure value. Replacement Cost coverage pplies on a blanket insurance asis and the property is not re aired or replaced or if the op onal Actual Cash Value is appli able on a blanket insurance asis to real property we will not ay more than the lesser of The actual cash value of the building at the time of loss or i The value individually stated for the covered building on the latest statement of values on file with us. If at the time of loss there is no statement of values on file with us or the value for the covered building or structure is not in dividually stated on the latest statement of values on file with us the value of the building or structure will be determined by multiplying a The total reported build ing and structure value by b The proportion that the square footage of the in dividual building or struc ture bears to the total square footage of all buildings and structures contemplated in the total reported building and structure value. 2015 The Travelers Indemnity Company. All rights reserved. 7 The terms of this Additional Coverage ap ply separately to each building to which this Additional Coverage applies. 8 Under this Additional Coverage we will not pay for loss due to any ordinance or law that a You were required to comply with be fore the loss even if the building was undamaged and b You failed to comply with. 11. The following Coverage Extensions under Para graph A.7. are changed as follows Business Income and Extra Expense From Dependent Property 1 Paragraph A.7.d.4a is replaced by the following Applies to Dependent Property premises located worldwide except within any country on which the United States gov ernment has imposed sanctions embar goes or any similar prohibition and The limit applicable to the Coverage Ex tension Business Income and Extra Expense From Dependent Property is increased from 10000 to 50000. The limit applicable to the Coverage Exten sion Business Income and Extra Ex pense Newly Acquired Premises is in creased from 250000 to 500000. The expiration days applicable to the Cover age Extension Newly Acquired or Con structed Property for Business Income and Extra Expense is increased from 90 days to 180 days. Two of the limits applicable to the Coverage Extension Electronic Data Processing are changed as follows 1 The limit applicable to Electronic Data Processing Equipment and to Electronic Data Processing Data and Media while in transit or at premises other than the described premises is increased from 25000 to 75000. The limit applicable to loss or damage to Electronic Data Processing Data and Media caused by or resulting from elec tronic vandalism is increased from 25000 to 50000. The limit applicable to the Coverage Exten sion Non owned Detached Trailers is in MP T3 6303 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 24 of 391 Page 8 of 16 nission. | 2 |
BUSINESSOWNERS creased from 5000 to 25000. f. The limit applicable to the Coverage Exten sion Ordinance or Law Increased Peri od of Restoration is increased from 25000 to 50000. 12. The following Coverage Extensions are added to Paragraph A.7. a. Business Income and Extra Expense at Client or Virtual Office Premises 1 When the Declarations show that you have coverage for Business Income and Extra Expense you may extend that in surance to apply to the actual loss of Business Income you sustain and rea sonable and necessary Extra Expense you incur due to the suspension of your business activities occurring at a client or virtual office premises during the pe riod of restoration. The suspension must be caused by direct physical loss or damage caused by or resulting from a Covered Cause of Loss at a client or vir tual office premises. 2 With respect to this Coverage Extension the period of restoration definition under Paragraph G. PROPERTY DEFINITIONS is replaced by the following Period of Restoration means the peri od of time that a Begins 24 hours after the time of di rect physical loss or damage caused by or resulting from any Covered Cause of Loss at the client or virtual office premises and b Ends on the earlier of i The date when the property at the client or virtual office prem ises should be repaired rebuilt or replaced with reasonable speed and similar quality or i The date when client or virtual office premises is resumed at a new permanent location and c Does not include any increased peri od required due to the enforcement of any ordinance or law that i Regulates the construction use or repair or requires the tearing down of any property or 3 4 5 6 ii Requires any insured or others to test for monitor clean up re move contain treat detoxify or neutralize or in any way respond to or assess the effects of pollu tants. The expiration date of this policy will not cut short the period of restoration. This Coverage Extension applies to cli ent or virtual office premises located within the Coverage Territory. We will reduce the amount of your Busi ness Income loss other than Extra Ex pense to the extent you can resume your business activities at a client or virtual office premises in whole or in part by using any other available a Source of materials or b Outlet for your products. This Coverage Extension does not apply to loss caused by or resulting from loss or damage to property a At the premises of a dependent property b At any location to which the Business Income and Extra Expense Newly Acquired Premises Coverage Exten sion applies or c In the due course of transit. The most we will pay under this Cover age Extension for the sum of Business Income and Extra Expense you incur in any one occurrence is 25000 regard less of the number of client or virtual of fice premises involved. Payments made under this Coverage Ex tension are in addition to the applicable Limits of Insurance. Business Personal Property at Client or Virtual Office Premises When a Limit of Insurance is shown in the Declarations for Business Personal Prop erty at any described premises you may extend that insurance to apply to direct physical loss of or damage to Business Personal Property caused by or resulting from a Covered Cause of Loss while such property is located at a client or virtual office premises. 2015 The Travelers Indemnity Company. Al rights reserved. Page 9 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 25 of 391 MP T3 6303 15 | 2 |
BUSINESSOWNERS Extra Expense will begin immediately after the time of that action and will apply for a period of one week after coverage begins. d. Computer Fraud and Funds Transfer Fraud 3 4 When a Limit of Insurance is shown in the Declarations for Business Personal Prop erty at the described premises you may extend that insurance to apply to a Loss of or damage to Business Per sonal Property resulting directly from the use of any computer to fraudu lently cause a transfer of that prop erty from inside the building at the described premises or banking premises i To a person other than a mes senger outside those premises or ii To a place outside those prem ises. b Loss of money and securities re sulting directly from a fraudulent in struction directing a financial institu tion to transfer pay or deliver mon ey and securities from your trans fer account. With respect to the coverage provided by this Coverage Extension Paragraph B. Exclusions is amended as follows a Paragraph B.2.0. does not apply. b Paragraph B.2.i. does not apply. c The following exclusion is added We will not pay for loss or damage caused by or resulting from the use or purported use of credit debit charge access convenience identifi cation stored value or other cards or the information contained on such cards. With respect to this Coverage Extension occurrence means an act or series of re lated acts involving one or more persons or an act or event or a series of related acts or events not involving any person is considered one occurrence. The most we will pay under this Cover age Extension in any one occurrence is the limit of insurance shown in the above schedule regardless of the number of premises involved. 2 This Coverage Extension also applies to personal property that is a Owned by an employee and b Used for your business while such property is located at a client or virtual office premises and sustains di rect physical loss or damage caused by or resulting from a Covered Cause of Loss. 3 This Coverage Extension does not apply to property a Otherwise covered under the follow ing Additional Coverages i Blanket Coverage Limit of Insur ance Accounts Receivable ii Blanket Coverage Limit of Insur ance Valuable Papers and Re cords or iii Fine Arts. b Otherwise covered under the follow ing Coverage Extensions i Accounts Receivable ii Business Personal Property Off Premises iv Sales Representative s Samples or Electronic Data Processing v Valuable Papers and Records. 4 The most we will pay for loss or damage under this Coverage Extension in any one occurrence is 25000 regardless of the number of client or virtual office premises involved. 5 Payments under this Coverage Extension are in addition to the applicable Limits of Insurance. c. Civil Authority Homicide or Suicide 1 When the Declarations show that you have coverage for Business Income and Extra Expense you may extend that in surance to apply to the actual loss of Business Income you sustain and rea sonable and necessary Extra Expense you incur caused by action of civil author ity that prohibits access to the described premises due to a homicide or suicide oc curring at such premises. 2 The coverage for Business Income and Page 10 of 16 2015 The Travelers Indemnity Company. Al rights reserved. MP T3 63 03 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 26 of 391 | 2 |
BUSINESSOWNERS e. Covered Leasehold Interest Undamaged Improvements and Betterments 1 When a Limit of Insurance is shown in the 2 Declarations for Business Personal Prop erty at the described premises you may extend that insurance to apply to your in terest as tenant in improvements and bet terments as defined in Section A.1.b.3 of this Coverage Form which are not damaged or destroyed but which you lose due to the cancellation of your lease by your landlord. The cancellation of your lease by your landlord must a Result from direct physical loss of or damage to property at the described premises where your improvements and betterments are located caused by or resulting from a Covered Cause of Loss and b Be permitted in accordance with the conditions of your written lease agreement. The most we will pay in any one occur rence under this Coverage Extension is a The applicable Business Personal Property Limit of Insurance or b 25000 whichever is less. f. Deferred Payments 1 When a Limit of Insurance is shown in the 2 Declarations for Business Personal Prop erty at the described premises you may extend that insurance to apply to your in terest in such business personal property that is sold by you under an installment plan conditional sale trust agreement or other deferred payment plan when as a result of direct physical loss of or damage to such property a Occurring within the Coverage Terri tory at any location or in transit after delivery to buyers and b Caused by a Covered Cause of Loss the buyer refuses to continue payments owed to you for such property and as a result you repossess the remaining dam aged property of value if any. The value of your loss under this Cover age Extension will be determined as fol lows 3 4 a In the event of partial loss to prop erty the value of your loss will be i The unpaid balance shown on your books as due from the buyer for such property excluding any interest or fees due minus ii The actual cash value of the re possessed damaged property. b In the event of a total loss to prop erty the value of your loss will be the unpaid balance shown on your books as due from the buyer for such prop erty excluding any interest or fees due. The following is added to A.2. Property And Costs Not Covered but only with respect to this Coverage Extension. Personal property sold by you under an installment plan conditional sale trust agreement or other deferred payment plan after delivery to the purchasers ex cept as provided in the Deferred Pay ments Coverage Extension The most we will pay in any one occur rence under this Coverage Extension is 25000. g. Limited Building Coverage Tenant Obli gation 2 3 If a You are a tenant b A Limit of Insurance is shown in the Declarations for Business Personal Property and c You are contractually obligated to re pair or replace that part of a building you occupy as a tenant at the described premises you may ex tend that insurance to apply to direct physical loss of or damage to that part of a building you occupy as a tenant caused by or resulting from a Covered Cause of Loss other than theft or attempted theft. This Coverage Extension does not apply to any otherwise covered a Building glass or b Tenants improvements and better ments as described in Paragraph A.1.b.3. The most we will pay under this Cover 2015 The Travelers Indemnity Company. Al rights reserved. Page 11 of 16 Includes copyrighted material of Insurance Services Office Inc. with s permission. TRAVELERS DOC MGMT Page 27 of 391 MP T3 6303 15 | 2 |
BUSINESSOWNERS age Extension in any one occurrence is 50000 at each described premises. h. Personal Property In Transit Outside of the Coverage Territory 1 When the Declarations show that you have coverage for Business Personal Property you may extend that insurance to apply to direct physical loss of or dam age to Covered Property caused by or re sulting from a Covered Cause of Loss in transit anywhere in the world outside of the Coverage Territory provided that no sanction embargo or similar regulation imposed by the United States of America prohibits us from covering the loss or damage. 2 If property covered under this Coverage Extension is not delivered we cover the return of the property to you including while the property is temporarily held by the receiver or the carrier while awaiting return shipment to you. 3 Subject to the Limit of Insurance indi cated in paragraph 10 below we will al so pay for a Any general average or salvage charges you incur with respect to losses to covered waterborne ship ments b Your interest in covered shipments sold Free On Board if you can not col lect payment for the loss or damage from the consignee and c Loss of or damage to Covered Prop erty resulting from the unintentional acceptance of any fraudulent Bill of Lading order or shipping receipt by you your employees or authorized representatives or by your agent customer or consignee from anyone representing themselves to be the proper person to receive goods for shipment or accept goods for deliv ery. 4 The following exclusion is added to para 5 graph B.2. but only with respect to cover age provided by this Coverage Extension Electrical andor Mechanical Derange ment. Paragraphs B.1.b. and B.1.g. do not ap ply to this Coverage Extension. 6 The following is added to paragraph B.2.h. and B.2.m. but only with respect to coverage provided by this Coverage Ex tension This exclusion does not apply to property in the custody of a carrier for hire. The following is added to paragraph B.2.i. but only with respect to coverage provided by this Coverage Extension This exclusion does not apply to insur ance covered under this Coverage Exten sion if the loss to Covered Property is caused by your acceptance in good faith of false bills of lading or shipping receipts. 8 This Coverage Extension does not apply to property otherwise covered under the following a Overseas Fine Arts Additional Cover age b Electronic Data Processing Coverage Extension c Overseas Business Travel or Busi ness Personal Property at Client or Virtual Office Premises Overseas Coverage Extension d Overseas Valuable Papers and Re cords Coverage Extension or e Personal Property In Transit Outside of the Coverage Territory Coverage Extension once the property has been accepted for delivery at its final destination. The following is added to A.2. Property And Costs Not Covered but only with respect to this Coverage Extension. Cov ered Property does not include a Export and import shipments while covered under an ocean marine car go or other insurance policy b Property of others for which you are responsible while acting as a com mon or contract carrier car loader freight forwarder freight consolidator freight broker shipping association or similar arranger of transportation or as a public warehouseman c Property while in the following areas Afghanistan Burma Myanmar Cu ba Iran Iraq Jordan Kenya Leba non Libya Nigeria North Korea Page 12 of 16 2015 The Travelers Indemnity Company. Al rights reserved. MP T3 63 03 15 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 28 of 391 | 2 |
BUSINESSOWNERS Pakistan Republic of Yemen Soma lia Sudan Syria Russia the Com monwealth of Independent States C.I.S. and countries that formerly comprised the U.S.S.R d Property in transit while over land in Mexico or e Shipments by a government postal service except by registered mail. 10 The most we will pay under this Cover age Extension is 5000 for the sum of all covered losses arising out of all Cov ered Causes of Loss occurring during each policy period beginning with the ef fective date of this endorsement. This amount applies regardless of the num ber of locations involved. 11 Paragraph E.4.e.10 with respect to this Coverage Extension is replaced with the following Personal property in transit at a The amount of invoice or b In the absence of an invoice the least of the following i The value of the Covered Property ii The cost of reasonably restor ing that property to its condi tion immediately before loss or damage or iii The cost of replacing that property with substantially the same property plus c The amount of any prepaid freight charges and other shipping costs or charges that are incurred while the property is in transit. 12 Payments made under this Coverage Extension are in addition to the applica ble Limits of Insurance. i. Property in Transit 1 When the Declarations show that you have coverage for Business Income and Extra Expense you may extend that in surance to apply to the actual loss of Business Income you sustain and rea sonable and necessary Extra Expense you incur due to the suspension of your operations during the period of restora tion. The suspension must be caused by direct physical loss or damage caused tan Republic of Yemen Soma udan Syria Russia the Com iealth of Independent States. and countries that formerly rised the U.S.S.R ty in transit while over land in r ents by a government postal e except by registered mail. t we will pay under this Cover nsion is 5000 for the sum of ed losses arising out of all Cov uses of Loss occurring during icy period beginning with the ef late of this endorsement. This applies regardless of the num ations involved. oh E.4.e.10 with respect to this e Extension is replaced with the property in transit at nount of invoice or absence of an invoice the least following he value of the Covered roperty he cost of reasonably restor g that property to its condi on immediately before loss r damage or he cost of replacing that roperty with substantially the ame property plus amount of any prepaid freight es and other shipping costs or es that are incurred while the rty is in transit. s made under this Coverage n are in addition to the applica s of Insurance. ransit Declarations show that you erage for Business Income and ense you may extend that in to apply to the actual loss of Income you sustain and rea and necessary Extra Expense due to the suspension of your 1s during the period of restora suspension must be caused physical loss or damage caused 2015 The Travelers Indemnity Company. All rights reserved. 3 by or resulting from a Covered Cause of Loss to Covered Property while in the due course of transit at your risk within the Coverage Territory. This Coverage Extension does not apply to loss caused by or resulting from loss or damage to a Shipments by a government postal service except by registered mail b Export shipments once i The shipment is loaded onboard the export conveyance or ii Coverage under an Ocean Ma rine or other insurance policy covering the shipment begins whichever is earlier c Import shipments until i The shipment is unloaded from the importing conveyance or ii Coverage under an Ocean Ma rine or other insurance policy covering the property ends whichever is later C Property of others for which you are responsible while acting as a com mon or contract carrier freight for warder freight consolidator or freight broker or public warehouseman e Property within a conveyance or con tainer caused by theft while the conveyance or container is unat tended unless the portion of the con veyance or container containing the property is fully enclosed and se curely locked and the theft is by forcible entry of which there is visible evidence or f The transporting conveyance. With respect to this Coverage Extension the period of restoration definition under Paragraph G. PROPERTY DEFINITIONS is replaced by the following Period of Restoration means the peri od of time that a Begins 24 hours after the time of di rect physical loss or damage caused by or resulting from any Covered Cause of Loss in the due course of transit b Ends on the date when the property Page 13 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 29 of 391 MP T3 6303 15 | 2 |
BUSINESSOWNERS in the due course of transit should be repaired rebuilt or replaced with rea sonable speed and similar quality and c Does not include any increased peri od required due to the enforcement of any ordinance or law that i Regulates the construction use or repair or requires the tearing down of any property or ii Requires any insured or others to test for monitor clean up re move contain treat detoxify or neutralize or in any way respond to or assess the effects of pollu tants. The expiration date of this policy will not cut short the period of restoration. We will reduce the amount of your Busi ness Income loss other than Extra Ex pense to the extent you can resume your business activities in the due course of transit in whole or in part by using any other available a Source of materials or b Outlet for your products. 5 This Coverage Extension does not apply to loss caused by or resulting from loss or damage to property a At the premises of a dependent property b At any location to which the Business Income and Extra Expense at Client or Virtual Office Premises Coverage Extension applies or c At any location to which the Business Income and Extra Expense Newly Acquired Premises Coverage Exten sion applies. 6 The most we will pay under this Cover age Extension for the sum of Business Income and Extra Expense you incur in any one occurrence is 25000. This limit applies regardless of the number of loca tions involved. 7 Payments made under this Coverage Ex tension are in addition to the applicable Limits of Insurance. Sales Representative s Samples 1 When a Limit of Insurance is shown in the 2 3 Declarations for Business Personal Prop erty you may extend that insurance to apply to a Samples of your stock in trade in cluding containers and b Similar property of others while such property is in the custody of your sales representatives or agents or yourself while acting as a sales represen tative including while in transit. We will not pay for loss or damage caused by theft of Covered Property from an unattended vehicle. But we will pay for theft of Covered Property from an unattended vehicle if at the time of the theft all the vehicle s doors windows and compartments were closed and locked and there are visible signs that the theft was a result of forced entry. The most we will pay for loss or damage for property in the custody of any one sales representative in any one occur rence is 25000. k. Undamaged Parts of Stock in Process 2 When a Limit of Insurance is shown in the Declarations for Business Personal Prop erty at the described premises you may extend that insurance to apply to the re duction in value of the undamaged re maining parts of stock which becomes unmarketable when the reduction is caused by direct physical loss or damage from a Covered Cause of Loss to other parts of stock. The most we will pay under this Cover age Extension in any one occurrence is 25000. I. Utility Services Time Element When the Declarations show that you have coverage for Business Income and Extra Expense you may extend that in surance to apply to the loss of Business Income or Extra Expense caused by the interruption of service to the described premises. The interruption must result from direct physical loss or damage by a Covered Cause of Loss to the following property not on the described premises a Water Supply Services b Communication Supply Services or Page 14 of 16 2015 The Travelers Indemnity Company. Al rights reserved. MP T3 6303 15 Includes copyrighted material of Insurance Services Office Inc. with s permission. TRAVELERS DOC MGMT Page 30 of 391 | 2 |
BUSINESSOWNERS er Supply Services. nly pay for loss of Business In sustain and Extra Expense you r 48 consecutive hours following physical loss or damage to the property not on the described r Supply Services munication Supply Services or er Supply Services. srage Extension does not apply duction of income after service restored to your premises. ect to this Coverage Extension s G.3.b and G.22.b are de we will pay for loss under this Extension is 25000 at each premises but we will not pay n 100000 in any one occur jardless of the number of prem ved. sage Back Up and Sump Over Declarations show that you erage for Building or Business Property you may extend that to apply to direct physical loss age to Covered Property at the premises caused by or result water or sewage that backs up scribed premises involved. Amounts pay able under any coverage including any Additional Coverage or Coverage Exten sion do not increase this limit. 13. The following is added to Paragraph E. PROP ERTY LOSS CONDITIONS Pairs sets or parts 1 In case of loss to any part of a pair or set we may at our option a Repair or replace any part to restore the pair or set to its value before the loss or b Pay the difference between the value of the pair or set before and after the loss. 2 In case of loss to any part of Covered Property consisting of several parts when complete we will only pay for the value of the lost or damaged part. 14. The following is added to Paragraph F. COM MERCIAL PROPERTY CONDITIONS Unintentional Errors In Description Your error in how you describe the address of a location in the Location Schedule shall not preju dice coverage afforded by this policy provided such error is not intentional. Any such error shall be reported and corrected when discovered and appropriate premium charged. 15. The following definitions are added to Paragraph G. PROPERTY DEFINITIONS ws from a sewer drain or sump a. Client or Virtual Office Premises means ide a building at the described the interior of that portion of any building oc cupied by an employee including Declarations show that you 1 An employee s residence or erage for Business Income and 2 A client s business location. ense you may also extend that. to apply to the actual loss of Client or virtual office premises does not in Income you sustain and rea clude any location that is described in the and necessary Extra Expense Declarations or reported to or accepted by us caused by or resulting from for coverage under this Coverage Form. sewage that backs up or over. 1 a sewer drain or sump that is b. Fraudulent instruction means ouilding at the described prem 1 An electronic telegraphic cable teletype telefacsimile or telephone instruction which purports to have been transmitted B1E9t3 does not apply to by you but which was in fact fraudulently rage Extension. transmitted by someone else without your we will pay under this Cover knowledge or consent 1sion in any one occurrence is 2 A written instruction other than those de regardless of the number of de scribed in Paragraph A.6.i. issued by you which was forged or altered by 2015 The Travelers Indemnity Company. Al rights reserved. Page 15 of 16 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 31 of 391 2 3 c Power Supply Services. We will only pay for loss of Business In come you sustain and Extra Expense you incur after 48 consecutive hours following the direct physical loss or damage to the following property not on the described premises a Water Supply Services b Communication Supply Services or c Power Supply Services. This Coverage Extension does not apply to any reduction of income after service has been restored to your premises. With respect to this Coverage Extension Paragraphs G.3.b and G.22.b are de leted. The most we will pay for loss under this Coverage Extension is 25000 at each described premises but we will not pay more than 100000 in any one occur rence regardless of the number of prem ises involved. m. Water or Sewage Back Up and Sump Over flow W 3 When the Declarations show that you have coverage for Building or Business Personal Property you may extend that insurance to apply to direct physical loss of or damage to Covered Property at the described premises caused by or result ing from water or sewage that backs up or overflows from a sewer drain or sump that is inside a building at the described premises. When the Declarations show that you have coverage for Business Income and Extra Expense you may also extend that insurance to apply to the actual loss of Business Income you sustain and rea sonable and necessary Extra Expense you incur caused by or resulting from water or sewage that backs up or over flows from a sewer drain or sump that is. inside a building at the described prem ises. Paragraph B.1.g.3 does not apply to this Coverage Extension. The most we will pay under this Cover age Extension in any one occurrence is 25000 regardless of the number of de sserved. vith its permission. MP T3 6303 15 | 2 |
BUSINESSOWNERS someone other than you without your knowledge or consent or which purports to have been issued by you butwas in fact fraudulently issued without your knowledge or consent or 3 An electronic telegraphic cable teletype telefacsimile telephone or written instruc tion initially received by you which pur ports to have been transmitted by an employee but which was in fact fraudu lently transmitted by someone else with out your or the employee s knowledge or consent. Fungus means any type or form of fungus including mold or mildew and any mycotox ins spores scents or by products produced or released by fungi. Messenger means you or a relative of yours or any of your partners or members or any employee while having care and cus tody of property outside the premises. Transfer account means an account main tained by you at a financial institution from which you can initiate the transfer payment or delivery of money and securities 1 By means of electronic telegraphic ca ble teletype telefacsimile or telephone instructions communicated directly through an electronic funds transfer sys tem or 2 By means of written instructions other than those described in Paragraph A.6.i. establishing the conditions under which such transfers are to be initiated by such financial institution through an electronic funds transfer system. Page 16 of 16 2015 The Travelers Indemnity Company. Al rights reserved. MP T3 6303 15 Includes copyrighted material of Insurance Services Office Inc. with s permission. TRAVELERS DOC MGMT Page 32 of 391 | 2 |
BUSINESSOWNERS POLICY NUMBER 680 8M849912 20 42 ISSUE DATE 12292020 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTS This endorsement modifies insurance provided under the following BUSINESSOWNERS COVERAGE PART SCHEDULE Prem. Bldg. Protective Safeguards Prem. No. No. Symbols Applicable No. 001 001 P1 Bldg. Protective Safeguards Symbols Applicable Prem. No. 001 The following is added to the BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM BUSINESSOWNERS PROPERTY COVERAGE STANDARD FORM PROTECTIVE SAFEGUARDS a. As a condition of this insurance you are re quired to maintain the protective devices or services listed in the Schedule above. 1. The following is added to the BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM BUSINESSOWNERS PROPERTY COVERAGE STANDARD FORM PROTECTIVE SAFEGUARDS a. As a condition of this insurance you are re quired to maintain the protective devices or services listed in the Schedule above. The protective safeguards to which this en dorsement applies are identified by the follow ing symbols p.1 Automatic Sprinkler System includ ing related supervisory services Automatic Sprinkler System means 1 Any automatic fire protective or extinguishing system including connected a Sprinklers and discharge nozzles Information required to complete this Schedule if not shown on this endorsement will be shown in the Decla rations Includes Material Copyrighted by Insurance Services Office Inc. 1ISO Commercial Risk Services Inc. Page 1 of 2 TRAVELERS DOC MGMT Page 33 of 391 MP T3 07 03 97 | 2 |
BUSINESSOWNERS b Ducts pipes valves and fit tings c Tanks their component parts and supports and d Pumps and private fire pro tection mains. 2 When supplied from an automat ic fire protective system a Non automatic fire protective systems and b Hydrants outlets. standpipes and The following is added to the EXCLUSION sec tion of BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM BUSINESSOWNERS PROPERTY COVERAGE STANDARD FORM We will not pay for loss or damage caused by or resulting from fire if prior to the fire you a. Knew of any suspension or impairment in any protective safeguard listed in the Schedule above and failed to notify us of that fact or b. Failed to maintain any protective safeguard listed in the Schedule above and over which you had control in complete working order. If part of an Automatic Sprinkler System is shut off due to breakage leakage freezing conditions or opening of sprinkler heads notification to us will not be necessary if you can restore full protection within 48 hours. p.g Includes Material Copyrighted by Insurance Services Office Inc. ISO Commercial Risk Services Inc. MP T3 07 03 97 TRAVELERS DOC MGMT Page 34 of 391 Page 2 of 2 | 2 |
BUSINESSOWNERS POLICY NUMBER 680 8M849912 20 42 ISSUE DATE 12292020 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THEFT OF MONEY AND SECURITIES LIMITATION This endorsement modifies insurance provided under the following BUSINESSOWNERS PROPERTY COVERAGE SPECIAL FORM A. Schedule Theft of Money and Securities Limit 25000 B. The BUSINESSOWNERS PROPERTY COVER thef AGE SPECIAL FORM is changed as follows any 1. The following is added to Paragraph A.5. the a. If money and securities is otherwise gld covered at any described premises the most we will pay for loss or damage by esty Cove theft of any money and securities in any one occurrence is the limit shown in the schedule above. This limitation does not apply to any otherwise covered loss or damage under the Employee Dishon esty or Forgery or Alteration Additional Coverages. Copyright The Travelers Indemnity Company 2004 Page 1 of 1 TRAVELERS DOC MGMT Page 35 of 391 MP T3 4102 05 | 2 |
GENERAL LIABILITY TRAVELERS DOC MGMT Page 36 of 391 | 2 |
GENERAL LIABILITY TRAVELERS DOC MGMT Page 37 of 391 | 2 |
DECLARATIONS PREMIUM SCHEDULE Issue Date 12292020 Policy Number 680 8M849912 20 42 This Schedule applies to the Declarations for the period of 12282020 to 12282021. It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes all locations you own rent or occupy. PREMIUM BASE ADVANCE STATE ZIP CLASS DESCRIPTION CODE NUMBER EXPOSURE RATES PREMIUM MO 64116 FURNITURE s 11330001.605 6855 Rate Computation The rate change shown may change any time there is a change in exposure or risk charecteristic during the policy period or at audit Premium Base Legend Premium Base a area c cost e employees m admissions p payroll r receipts How Rates Atpply per 1000 sq per 1000 of total cost per employee per 1000 of admissions per 1000 of payroll per 1000 of receipts Premium Base s gross sales units How Rates Apply per 1000 of gross sales per unit This premium base is rese for unusual applications. E and how rates apply are sl above. How Rates Apply per 1000 of gross sales per unit This premium base is reserved for unusual applications. Base and how rates apply are shown above. CG T0 07 04 09 Page 1 of 1 TRAVELERS DOC MGMT Page 38 of 391 | 2 |
CYBERFIRST ESSENTIALS TRAVELERS DOC MGMT Page 39 of 391 | 2 |
CYBERFIRST ESSENTIALS TRAVELERS DOC MGMT Page 40 of 391 | 2 |
A TRAVELERSJ One Tower Square Hartford Connecticut 06183 CYBERFIRST ESSENTIALS POLICY NO. 680 8M849912 20 42 COVERAGE PART DECLARATIONS ISSUE DATE 12 29 20 THIS COVERAGE IS PROVIDED ON A CLAIMS MADE BASIS. DEFENSE EXPENSES ARE PAYABLE WITHIN AND ARE NOT IN ADDITION TO THE LIMITS OF INSURANCE. INSURING COMPANY THE PHOENIX INSURANCE COMPANY Policy Period From 12 28 20to 12 28 21 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. Information Security Retroactive Date 12 28 18 The CyberFirst Essentials Coverage Part consists of these Declarations the CyberFirst Essentials General Provi sions Form and the Coverage Form shown below. ITEM 1. COVERAGE CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM ITEM 2. LIMITS OF INSURANCE Aggregate Limit 25000 Each Wrongful Act Limit 25000 ITEM 3. DEDUCTIBLE Each Wrongful Act Deductible o0 ITEM 4. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. ITEM 2. 25000 25000 ITEM 3. ITEM 4. Page 10of 1 PRT0220212 TRAVELERS DOC MGMT Page 41 of 391 | 2 |
CYBER LIABILITY POLICY NUMBER 680 8M849912 20 42 ISSUE DATE12 29 20 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BREACH ESSENTIALS ENDORSEMENT This endorsement modifies insurance provided under the following CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM SCHEDULE OF CYBER FIRST PARTY LIMIT AND DEDUCTIBLE Limit Deductible Cyber First Party Limit and Deductible 10000 0 Cyber First Party Limit and Deductible PROVISIONS A. INTRODUCTION The following is added to the Introductory Note in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM THE LIMITS OF INSURANCE WILL BE RE DUCED BY THE PAYMENT OF YOUR SECUR ITY BREACH NOTIFICATION AND REMEDIA TION EXPENSES YOUR PAYMENT CARD EX PENSES AND YOUR CRISIS MANAGEMENT SERVICE EXPENSES COVERED BY YOUR CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM. B. CYBER FIRST PARTY COVERAGES 1. The following is added to Paragraph 1. In suring Agreement of SECTION INFOR MATION SECURITY LIABILITY COVERAGE in the CYBERFIRST ESSENTIALS INFOR MATION SECURITY LIABILITY COVERAGE FORM Security Breach Notification And Remedia tion Expenses And Payment Card Ex penses Coverage We will reimburse you for loss to which this insurance applies that is your security breach notification and remediation ex penses or your payment card expenses di rectly attributed to a security breach that 1 Is caused by an information security wrongful act committed on or after the Information Security Retroactive Date shown in the Declarations of this Cover age Part and before the end of the policy period 2 Occurs during the policy period and 3 Is first reported to us during the policy pe riod or within 90 days after the end of the policy period. But we will not reimburse you for your pay ment card expenses that are payment card contract penalties or chargebacks unless you have agreed to pay such payment card contract penalties or chargebacks in a merchant service agreement you entered into before such security breach occurred. Each security breach in a series of related security breaches will be deemed to occur on the date the first security breach in that series occurs. A security breach will be deemed to have been first reported to us on the date that we first receive a written notice of such security breach from any insured or any authorized government entity. In the event of a foreign cyber first party loss that is your security breach notification and remediation expenses or your payment card expenses incurred and paid by a for eign insured organization we will reimburse the first Named Insured or any other Named Insured that is not a foreign insured organi zation for such foreign cyber first party loss because of its financial interest in that foreign insured organization. For purposes of this insurance 1 Your security breach notification and re mediation expenses that we reimburse as foreign cyber first party loss will be deemed to be your security breach notifi cation and remediation expenses 2014 The Travelers Indemnity Company. All rights reserved. Page 1 of 6 TRAVELERS DOC MGMT Page 42 of 391 PRT49703 15 | 2 |
CYBER LIABILITY 2 Your payment card expenses that we reimburse as foreign cyber first party loss will be deemed to be your payment card expenses under this Security Breach Notification and Remediation Expenses And Payment Card Expenses Coverage. Crisis Management Service Expenses Coverage We will reimburse you for your crisis man agement service expenses that 1 Arise out of loss to which this insurance applies that is caused by an information security wrongful act committed on or after the Information Security Retroactive Date shown in the Declarations of this Coverage Part and before the end of the policy period 2 Are first incurred by you during the policy period and 3 Are reported to us during the policy peri od or within 90 days after the end of the policy period. Each information security wrongful act in a series of related information security wrong ful acts will be deemed to have been com mitted on the date the first information secur ity wrongful act in that series is committed. Any of your crisis management service ex penses that 1 Are first incurred by you after the end of the policy period and 2 Relate to any of your crisis management service expenses that are first incurred by you during the policy period will be deemed to have been incurred by you during the policy period. In the event of a foreign cyber first party loss that is your crisis management service expenses incurred and paid by a foreign in sured organization we will reimburse the first Named Insured or any other Named In sured that is not a foreign insured organiza tion for such foreign cyber first party loss because of its financial interest in that for eign insured organization. For purposes of this insurance your crisis management serv ice expenses that we reimburse as foreign cyber first party loss will be deemed to be your crisis management service expenses under this Crisis Management Service Ex penses Coverage. The following replaces the third paragraph of Paragraph 1.a. Defense Of Claims Or Suits of SECTION COVERAGE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM We may at our discretion investigate any wrongful act or claim and settle any claim or suit. But our right and duty to de fend ends when we have used up the a. Aggregate Limit in the payment of 1 Judgments settlements or defense expenses and 2 Loss that is your cyber first party loss or b. Each Wrongful Act Limit in the payment of judgments settlements or defense ex penses. The following replaces the last paragraph of Paragraph 2. Supplementary Payments of SECTION COVERAGE in the CYBER FIRST ESSENTIALS GENERAL PROVI SIONS FORM Our duty to make such payments ends when we have used up the a. Aggregate Limit in the payment of 1 Judgments settlements or defense expenses and 2 Loss that is your cyber first party loss or b. Each Wrongful Act Limit in the payment of judgments settlements or defense ex penses. The following exclusion is added to Para graph 2. Exclusions of SECTION IN FORMATION SECURITY LIABILITY COV ERAGE in the CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COV ERAGE FORM PCI Attestation Of Compliance Your payment card expenses if 1 You have not attested compliance with the payment card security standards by completing and signing a PCl attestation of compliance within the twelve months immediately preceding the security breach or Page 2 of 6 2014 The Travelers Indemnity Company. Al rights reserved. PRT4970315 TRAVELERS DOC MGMT Page 43 of 391 | 2 |
CYBER LIABILITY 2 You fraudulently or intentionally misrepre sent that you are in compliance with the payment card security standards in completing the PCI attestation of compli ance. C. LIMITS OF INSURANCE 1. The following is added to SECTION IIl LIM ITS OF INSURANCE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM Subject to the Aggregate Limit the Cyber First Party Limit shown in the Schedule Of Cyber First Party Limit And Deductible is the most we will pay for the sum of all loss that is your cyber first party loss. The following replaces the first paragraph of Paragraph 2. of SECTION Il LIMITS OF INSURANCE in the CYBERFIRST ESSEN TIALS GENERAL PROVISIONS FORM The Aggregate Limit is the most we will pay for the sum of all a. Damages and defense expenses for the combined total of all claims or suits for loss and b. Loss that is your cyber first party loss to which the insurance provided under one or more of your cyber liability coverage forms applies. D. DEDUCTIBLE 1. The following is added to the last sentence of Paragraph 1. of SECTION IV DEDUCTI BLE in the CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM The Each Wrongful Act Deductible does not apply to payments we make for loss that is your cyber first party loss. The following is added to SECTION IV DE DUCTIBLE in the CYBERFIRST ESSEN TIALS GENERAL PROVISIONS FORM We will not reimburse you for any of your cy ber first party loss to which this insurance applies until the amount of such loss exceeds the deductible shown in the Schedule Of Cy ber First Party Limit And Deductible. We will then reimburse you for the amount of such loss in excess of the deductible up to the lim it of insurance shown in the Schedule. E. CYBER LIABILITY CONDITIONS 1. The following is added to Paragraph 14. Cur rency of SECTION V CYBER LIABILITY CONDITIONS in the CYBERFIRST ESSEN TIALS GENERAL PROVISIONS FORM Payments for loss that is your cyber first party loss will be in currency of the United States of America. At our sole option we may make these payments in a different currency. Any necessary currency conversion for such payments will be calculated based on the rate of exchange published in the Wall Street Journal immediately preceding the date the payment is processed. The following is added to SECTION V CY BER LIABILITY CONDITIONS in the CY BERFIRST ESSENTIALS GENERAL PRO VISIONS FORM Duties In The Event Of A Security Breach a. You must see to it that we are notified in writing as soon as practicable of a secur ity breach which may result in your se curity breach notification and remediation expenses or your payment card ex penses. Such notice should include 1 How when and where the security breach occurred and 2 The nature and extent of fees costs or expenses incurred and paid by you which can be directly attributed to a security breach. b. You must 1 Authorize us to obtain records and other information 2 Cooperate with us in the investigation of the security breach and 3 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to you because of loss to which this insurance may also apply. Duties In The Event Of An Information Se curity Wrongful Act That Causes A Foreign Cyber First Party Loss In the event an information security wrongful act causes a foreign cyber first party loss the first Named Insured must comply with all conditions of this policy as if the insured that incurred and paid such foreign cyber first party loss is not a foreign insured organiza tion. 2014 The Travelers Indemnity Company. Al rights reserved. Page 3 of 6 TRAVELERS DOC MGMT Page 44 of 391 PR T497 0315 | 2 |
CYBER LIABILITY you have agreed to in a merchant service agreement with a financial institution that apply to you. PClI attestation of compliance means the decla ration of compliance status with the Payment Card Industry Data Security Standards program found in the PCI self assessment questionnaire that applies to you. PClI forensic investigation means a professional review of your computer systems by a qualified forensic investigator to determine your compli ance with the payment card security standards. PCl self assessment questionnaire means the questionnaire developed by the Payment Card Industry Security Standards Council that assists you in self evaluation of your compliance with the payment card security standards. Qualified forensic investigator means an organi zation approved by the applicable payment card issuing bank to conduct forensic investigations after a security breach. Qualified security assessor means a person or organization certified by the Payment Card Indus try Security Standards Council to assess compli ance with payment card security standards. Related security breaches means two or more security breaches that have as a common con nection tie or link any fact circumstance situa tion event transaction cause or series of re lated facts circumstances situation events transactions or causes. Security breach means unauthorized access to or acquisition of identity information owned li censed maintained or stored by you. Security breach notification law means any law or regulation that requires an organization to noti fy persons that their nonpublic personal informa tion was or may have been accessed or acquired without their authorization. Software and hardware upgrade and scanning services expenses means a. Fees costs or expenses for a PCl forensic investigation arising out of a written notifica tion by a payment card issuing bank mer chant bank acquiring bank or other acquiring institution that you are a likely common point of purchase source of a security breach or otherwise involved in a security breach to determine if you are in compliance with the payment card security standards DEFINITIONS The following is added to the DEFINITIONS Sec tion in the CYBERFIRST ESSENTIALS GENER AL PROVISIONS FORM Chargebacks a. Means payment card charge reversals be cause of the fraudulent use of payment cards or identity information. b. Includes transaction fees assessed to proc ess such payment card charge reversals. Merchant service agreement means a contract between you and an acquiring bank or other ac quiring institution that establishes the terms and conditions for accepting and processing payment card transactions. Payment card means a credit card debit card or charge card issued by a financial institution. Payment card contract penalties a. Means fines or penalties incurred by you after a security breach because of non compli ance with the payment card security stand ards. b. Does not include 1 Fines or penalties assessed because of not promptly reporting a security breach 2 Fines or penalties assessed because of failure to properly validate system secur ity according to the payment card secur ity standards or 3 Any interchange fees or changes in inter change fee schedules. Payment card security standards means a. The most current edition of security standards contained in 1 The Payment Card Industry Data Secur ity Standards program PCI DSS 2 Visa s Cardholder Information Security Program CISP 3 MasterCard s Site Data Protection pro gram SDP 4 American Express s Data Security Oper ating Policy or 5 Discover s Information Security and Com pliance program DISC or b. Other security standards similar to those in Paragraphs a.1 through a.5 above that Page 4 of 6 2014 The Travelers Indemnity Company. Al rights reserved. PRT4970315 TRAVELERS DOC MGMT Page 45 of 391 | 2 |
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