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CYBER LIABILITY Costs or expenses to purchase and install anti virus software point of sale systems software firewall protection software or fire wall protection hardware that satisfies the re quirements of the payment card security standards if after a security breach it is determined through a PClI forensic investiga tion that you are out of compliance with the payment card security standards or Costs for the scanning services of a qualified security assessor to certify that your up graded software and hardware systems meet the requirements of the payment card secur ity standards but only for the first such scan ning services after your software or hardware systems or both are upgraded. Your crisis management service expenses a. b. Means the reasonable fees costs or ex penses incurred and paid by you in 1 Retaining a public relations consultant or firm or a crisis management consultant or firm or 2 Planning or executing your public rela tions campaign to mitigate any actual or potential negative publicity generated from loss to which this in surance applies. Does not include fees costs or expenses you incur to comply with any law or regulation. Your cyber first party loss means loss that is a. b. c. Your security breach notification and reme diation expenses Your payment card expenses or Your crisis management service expenses. Your payment card expenses a. Means any of the following reasonable fees costs or expenses incurred and paid by you which are directly attributed to a security breach 1 Software and hardware upgrade and scanning services expenses 2 Payment card contract penalties or 3 Chargebacks. Does not include 1 Remuneration paid to your regular em ployees for work beyond their normal scheduled hours 2 3 4 5 Fees costs or expenses of outside con sultants retained by you unless we agree to reimburse you for such fees costs or expenses Amounts that you voluntarily agree to pay to any person whose identity informa tion was accessed or acquired without his or her authorization Fees costs or expenses in a Retaining a public relations consul tant or firm or a crisis management consultant or firm or b Planning or executing your public re lations campaign to mitigate any actual or potential nega tive publicity generated from the security breach or Your security breach notification and re mediation expenses. Your security breach notification and remediation expenses Means any of the following reasonable fees costs or expenses incurred and paid by you which can be directly attributed to a security breach 2 3 4 5 Forensic fees costs or expenses to de termine the cause of the security breach and the persons whose identity information was accessed or acquired without their authorization. Fees costs or expenses to develop docu ments or materials to notify the persons whose identity information was ac cessed or acquired without their author ization. Costs of mailings or other communica tions required to notify the persons whose identity information was accessed or ac quired without their authorization. Costs of providing 365 days of credit monitoring services to persons whose identity information was accessed or ac quired without their authorization starting with the date that you first notify such persons of the security breach. Costs of establishing and maintaining a call center to be used by persons whose identity information was accessed or ac quired without their authorization. 2014 The Travelers Indemnity Company. Al rights reserved. Page 5 of 6 TRAVELERS DOC MGMT Page 46 of 391 PR T497 0315 | 2 |
CYBER LIABILITY 3 4 5 to reimburse you for such fees costs or expenses. Fines or penalties imposed by law or that any insured has agreed to pay for any reason. Amounts that you voluntarily agree to pay to any person whose identity informa tion was accessed or acquired without his or her authorization. Your crisis management service ex penses. 6 Any other fees costs or expenses nec essary to comply with any security breach notification law that applies to you. b. Does not include 1 Remuneration paid to your regular em ployees for work beyond their normal scheduled hours. 2 Fees costs or expenses of outside con sultants retained by you unless we agree Page 6 of 6 2014 The Travelers Indemnity Company. Al rights reserved. PRT4970315 TRAVELERS DOC MGMT Page 47 of 391 | 2 |
EMPLOYMENT PRACTICES LIABILITY TRAVELERS DOC MGMT Page 48 of 391 | 2 |
EMPLOYMENT PRACTICES LIABILITY TRAVELERS DOC MGMT Page 49 of 391 | 2 |
A TRAVELERSJ One Tower Square Hartford Connecticut 06183 EMPLOYMENT PRACTICES LIABILITY POLICY NO. 680 8M849912 20 42 WITH IDENTITY FRAUD EXPENSE ISSUE DATE12292020 REIMBURSEMENTCOVERAGE PART DECLARATIONS THIS FORM PROVIDES CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY FOR EMPLOYMENT PRACTICES LIABILITY COVERAGE INSURING COMPANY THE PHOENIX INSURANCE COMPANY POLICY PERIOD From 12282020 to 12282021 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employment Practices Liability With Identity Fraud Expense Reimbursement Coverage Part consists of these Declarations and the Coverage Form shown below. ITEM 1. LIMIT OF INSURANCE AND RETENTION FOR EMPLOYMENT PRACTICES LIABILITY COVERAGE Limit of Insurance 100000 Defense Expenses are included within the Limit of Insurance Retention Amount applicable to each Employment Practices Liability Claim 2500 ITEM 2. LIMIT OF INSURANCE AND DEDUCTIBLE FOR IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE Limit of Insurance 2500 Deductible Amount applicable to Identity Fraud Expense Reimbursement 0 ITEM 3. EMPLOYMENT PRACTICES LIABILITY COVERAGE EXTENDED REPORTING PERIOD Subject to the terms and conditions of the Employment Practices Liability Coverage an optional Extended Re porting Period may be purchased for 12 months for 75 of the Premium for the Policy Period. ITEM 4. EMPLOYMENT PRACTICES LIABILITY CONTINUITY DATE Continuity Date 12282018 ITEM 5. PREMIUM INCLUDED ITEM 6. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. Page 1of 1 PR T00702 15 2015 The Travelers Indemnity Company. Al rights reserved. TRAVELERS DOC MGMT Page 50 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL BENEFITS This endorsement modifies insurance provided under the following ALL COVERAGES INCLUDED IN THIS POLICY The following Condition is added to each Common Policy Conditions included in this policy Additional Benefits 1. From time to time we may offer or provide you or allow third parties to offer or provide you or another insured under this policy with goods and services such as devices equipment memberships subscriptions merchandise points rewards discounts gift cards redemption codes coupons vouchers airline miles special offers classes seminars or other items of value. 2. These Additional Benefits may be provided in any form. You or another insured under this policy may be eligible to receive additional benefits. You are under no obligation to pursue any of th Additional Benefits. While we may arrange for these Additic Benefits the third party provider is liable to yo the other insured for the provision of the go and services. We do not warrant merchantability fitness or quality of any good services provided or assume any additic obligation related to any Additional Ben provided. We have the right to modify or discontinue Additional Benefits provided by us or third pat authorized by us without notice to you or other insured. are under no obligation to pursue any of these Additional Benefits. While we may arrange for these Additional Benefits the third party provider is liable to you or the other insured for the provision of the goods and services. We do not warrant the merchantability fitness or quality of any goods or services provided or assume any additional obligation related to any Additional Benefits provided. We have the right to modify or discontinue any Additional Benefits provided by us or third parties authorized by us without notice to you or any other insured. ILT4270219 Page 1 of 1 2019 The Travelers Indemnity Company. Al rights reserved. TRAVELERS DOC MGMT Page 51 of 391 | 2 |
POLICYHOLDER NOTICES TRAVELERS DOC MGMT Page 52 of 391 | 2 |
POLICYHOLDER NOTICES TRAVELERS DOC MGMT Page 53 of 391 | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. Page 1of 1 PN T4 540108 TRAVELERS DOC MGMT Page 54 of 391 | 2 |
IMPORTANT NOTICE POLICIES EXEMPT FROM FILING MISSOURI NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. This policy may include rates and forms which may not be filed with the Missouri Department of Insurance as permitted under section 379.321 RSMO however rates shall not be excessive inadequate or unfairly discriminatory. PN U3 7203 20 Page 1 of 1 2020 The Travelers Indemnity Company. Al rights reserved. TRAVELERS DOC MGMT Page 55 of 391 | 2 |
IMPORTANT NOTICE RISK MANAGEMENT PLUS ONLINE FROM TRAVELERS BOND FINANCIAL PRODUCTS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT BROKER OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE. THE PROVISIONS OF YOUR POLICY PREVAIL Thank you for choosing Travelers for your insurance needs. Travelers Select Accounts and Bond Financial Products have partnered to offer you Employment Practices Liability with Identity Fraud Expense Reimbursement. Travelers Bond Financial Products is a market leader in providing management liability coverage that is in synch with your private company. As your risks evolve so do we through our ability to provide you with responsive risk management services. With your purchase of Employment Practices Lablmywnh Identity Fraud Expense Reimbursement Travelers is pleased to provide you with Risk Management PLUS Online the industry s most comprehensive program for mitigating your management liability exposures. The site includes risk management tools for Employment Practices Liability Identity Fraud Expense Reimbursement and many other liability coverage related exposures Risk Management PLUSOnline is a flexible comprehensive loss prevention program specifically designed for Travelers customers and is available to you at no additional cost. Included in the site is a library of articles checklists and training on relevant risk mitigation topics for the management liability areas mentioned above. Highlights of Risk Management PLUS Online services include Web based risk management training Weekly articles on current issue Model policies and forms for downloading or printing that cover major risks associated with the workplace The attached Risk Management PLUSOnline Registration Instructions contain easy step by step instructions to register for this valuable tool. For more information call 1 888 712 7667 and ask for your Risk Management PLUS Online representative. It s that simple. We strongly encourage you to take full advantage of this program. Once again thank you for choosing Travelers. Page 1 of 2 PN T5 86 04 09 TRAVELERS DOC MGMT Page 56 of 391 | 2 |
Instructions for Registration Orientation to Risk Management pLUSO Registration for Site Administrators The Site Administrator is the person in your organization who will oversee Risk Management PLUS Online for the organization. The Site Administrator is typically a person who leads human resources andor financial functions or is responsible for legal matters pertaining to personnel. The Site Administrator may add other Site Administrators later to assist with their responsibilities. To register Go to www.rmplusonline. com. In the Sign In box click Register. Enter the password passcode TRVP160000 Please note there are 4 letters followed by 6 numbers in the code Fill in the Registration Information and click Submit. Your organization is registered and you are registered as Site Administrator. Learning to Navigate the Site Go to www.rmplusonline.com. On each page you will see a box outlined in blue that contains the instructions for use of that page. If you have any questions just click on Contact Us on the front page. Enter your question in the form provided and the System Administrator will get back to you quickly with the answer. You can also schedule a live walk through of the site by sending a request for a walk through via the contact link on the front page. Page 2 of 2 PN T5 86 04 09 TRAVELERS DOC MGMT Page 57 of 391 | 2 |
IMPORTANT NOTICE PROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTS MP T3 07 03 97 PLEASE READ THIS NOTICE CAREFULLY. YOUR POLICY INCLUDES A PROTECTIVE SAFEGUARDS ENDORSEMENT FOR SPRINKLERED LOCATIONS AND RESTAURANTS MP T3 07 03 97. NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND ANY NOTICE YOU RECEIVE FROM US THE PROVISIONS OF YOUR POLICY PREVAIL. The Protective Safeguards Endorsement included as part of your policy indicates that the building you own or occupy has an Automatic Sprinkler System or a protective system covering a cooking surface or both. It is important to understand that as a building owner or a tenant you have certain duties as described within the Protective Safeguards Endorsement with respect to any protective device identified in the Protective Safeguards Endorsement schedule. Our obligation to pay for loss or damage caused by or resulting from fire is subject to the terms and conditions of the Protective Safeguards Endorsement. Please review the terms and conditions of the Protective Safeguards Endorsement carefully. Page 1 of 1 PN MP 57 04 17 2017 The Travelers Indemnity Company. All rights reserved. TRAVELERS DOC MGMT Page 58 of 391 | 2 |
IMPORTANT NOTICE RISK MANAGEMENT PLUS ONLINE FROM TRAVELERS BOND FINANCIAL PRODUCTS EMPLOYMENT PRACTICES LIABILITY HOTLINE NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT BROKER OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. Employment Practices Liability Hotline N As part of the services provided through Risk Management PLUS Online Travelers is pleased to provide its Employment Practices Liability with Identity Fraud Expense Reimbursement coverage policyholders with unlimited access to a toll free hotline designed to provide quick practical guidance on day to day workplace issues. To utilize the hotline call 1 866 EPL TRAV 1 866 375 8728. Through this hotline policyholders are eligible to receive free general guidance from the national employment law firm of Jackson Lewis LLP. The hotline is available toll free from anywhere in the United States. We have developed this program in conjunction with Jackson Lewis LLP one of the largest law firms in the country exclusively dedicated to representing management on workplace issues. With more than 650 attorneys in 46 offices countrywide the firm has both a recognized expertise in workplace related issues and a sensitivity to regional business environments. From reviewing the proper steps for a sexual harassment investigation to discussing general factors to consider before you make day to day employment decisions the firm s attorneys are available to assist policyholders in managing their workplace risk and minimizing employment related claims. As part of this program policyholders are also eligible to receive a 10 percent discount on Jackson Lewis regular fees for matters beyond the scope of the hotline such as those dealing with specific employees or areas not within the scope of their policy. Similarly the hotline can not be used to report a claim regardless of any disclosure made to Jackson Lewis. We encourage policyholders to take advantage of this no cost hotline. For more information about the hotline go to www.rmplusonline.comEPLhotline. This material does not amend or otherwise affect the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss all applicable policy or bond provisions and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations. Page 1 of 1 PNT77207 11 TRAVELERS DOC MGMT Page 59 of 391 | 2 |
IMPORTANT NOTICE CONTACT INFORMATION MISSOURI NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMA TION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. Questions regarding your policy or coverage should be directed to your agent or us at Travelers One Tower Square Hartford CT 06183 800 328 2189 Travelers.com Page 1 of 1 PN T2 0405 10 TRAVELERS DOC MGMT Page 60 of 391 | 2 |
TRAVELERS One Tower Square Hartford Connecticut 06183 RENEWAL CERTIFICATE COMMON POLICY DECLARATIONS POLICY NO. 680 8M849912 19 42 STORE PAC PLUS ISSUE DATE 11082019 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 12282019 to 12282020 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 38487.00 NAME AND ADDRESS OF AGENT OR BROKER COUNTERSI HUB INTERL MIDWEST SV544 9200 WARD PKWY STE 500 Au KANSAS CITY MO 64114 ILT0O250801 Page1of 01 DATE 11 Office ELMIRA NY SRV CTR DOWN COUNTERSIGNED BY Authorized Representative DATE 11082019 MO 64114 TRAVELERS DOC MGMT Page 61 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 HUB INTERL MIDWEST TRAVELERS DOC MGMT Page 62 of 391 | 2 |
A TRAVELERSJ One Tower Square Hartford Connecticut 06183 BUSINESSOWNERS COVERAGE PART DECLARATIONS STORE PAC PLUS POLICY NO. 680 8M849912 19 42 ISSUE DATE 11082019 INSURING COMPANY THE PHOENIX INSURANCE COMPANY POLICY PERIOD From 12 28 19 to 12 28 20 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 63 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 64 of 391 | 2 |
ISSUE DATE 11 08 19 POLICY NUMBER 680 8M849912 19 42 Dear Valued Policyholder We are excited to inform you about changes to the structure of your commercial general liability CGL insurance. We are implementing a new proprietary CGL Coverage Form that will update and further simplify our approach to that coverage. Our new CGL coverage form is more closely aligned with ISO s current CGL coverage form and it includes numerous provisions previously contained in our proprietary mandatory endorsements and several coverage enhancements that have been provided in our commonly used XTEND endorsements. In addition we have updated many of our CGL endorsements for improved readability and consistency across our portfolio of policy forms. To complement these CGL policy form changes we are also transitioning our Liquor Liability LL coverage to ISO s current LL coverage form modified by a proprietary Liquor Liability Amendatory Endorsement. This transition will improve consistency and coordination of CGL and LL coverages. Your new Travelers CGL policy will contain coverage terms and conditions substantially similar to those in your expiring Travelers CGL policy. Also in order to make this transition to our new proprietary policy forms as easy as possible for you we will adjust any claims for CGL coverage under your new policy based upon the terms and conditions of either your expiring policy or your new policy whichever are broader. Likewise if your expiring policy includes LL coverage and you are renewing that coverage with us we will adjust any claims for LL coverage under your new policy based upon the terms and conditions of either your expiring policy or your new policy whichever are broader. However this approach to adjustment of claims for CGL and LL coverage is subject to the following exceptions Any differences in the insured locations or insurance schedules or the identity of named insureds or additional insureds. Any reductions in coverage that have been requested by you or your agent or broker or to which you or your agent or broker have agreed during renewal negotiations or any exposures you have elected to insure elsewhere. Any reduction in the amount of the limits of insurance shown in any Declarations or endorsement for your new policy from the amount shown for substantially similar coverage in any Declarations or endorsement for your expiring policy. Any increase in the amount of any deductible self insured retention retrospective loss limitation or coinsurance obligation shown in any Declarations or endorsement for your new policy from the amount shown for substantially similar coverage in any Declarations or endorsement for your expiring policy or any change from a loss sensitive to guaranteed cost rating plan or vice versa. Any other exceptions shown below. We will apply this approach to claims adjusted under your first new Travelers policy. Any claim adjusted under a subsequent Travelers policy will be adjusted based only upon the terms and conditions of that policy. Please review your expiring and new Travelers policies carefully retain your expiring policy and contact your agent or broker if you have any questions about this letter. We appreciate your business and thank you for choosing to insure with us. 2019 The Travelers Indemnity Company. All rights reserved. Page 1 0of 2 TRAVELERS DOC MGMT Page 65 of 391 PN U3 20 04 19 | 2 |
Page 2 of 2 PN U3 200419 2019 The Travelers Indemnity Company. Al rights reserved TRAVELERS DOC MGMT Page 66 of 391 | 2 |
POLICY NUMBER 680 8M849912 19 42 EFFECTIVE DATE 12282019 ISSUE DATE 11082019 LISTING OF FORMS ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS BUSINESSOWNERS PN IL IL MP IL IL MP CP MP MP MP MP MP MP MP MP MP MP u3 TO 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 TO TO TO T1 D3 D2 D8 D4 D6 D1 26 20 19 25 01 01 15 25 18 30 02 63 07 25 41 49 50 56 37 04 02 o8 02 01 09 02 10 02 02 03 03 01 02 10 11 02 11 19 05 01 05 01 07 05 12 05 05 15 97 15 05 06 06 08 13 LIBERALIZATION LETTER GENERAL LIABILITY PRODUCT MODERNIZATION COMMON POLICY DECLARATIONS 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 04 07 02 02 02 12 02 07 10 02 04 09 86 19 19 19 97 19 08 11 19 13 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 TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 1 OF 3 TRAVELERS DOC MGMT Page 67 of 391 LIBERALIZATION LETTER GENERAL LIABILITY PRODUCT MODERNIZATION COMMON POLICY DECLARATIONS RENEWAL CERTIFICATE BUSINESSOWNERS COVERAGE PART DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS IL T8 010101 | 2 |
POLICY NUMBER 680 8M849912 19 42 EFFECTIVE DATE 12282019 ISSUE DATE 11082019 COMMERCIAL GENERAL LIABILITY CONTINUED CG F2 50 09 08 MISSOURI CHANGES DEFINITION OF POLLUTANTS CG F9 34 02 19 AMENDMENT OF DUTIES IN EVENT OF AN OCCURRENCE OFFENSE CLAIM OR SUIT CONDITION CYBERFIRST ESSENTIALS LIABILITY ENDORSEMENTS PR TO 22 02 12 CYBERFIRST ESSENTIALS COVERAGE PART DECLARATIONS PR T1 13 02 12 CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM PR T1 14 02 12 CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM PR T5 21 03 15 COVG FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS CYBERFIRST ESSENTIALS PR T4 97 03 15 BREACH ESSENTIALS ENDORSEMENT PR T5 14 01 15 AMEND OF AI AND PI DEFINITIONS INFORMATION SECURITY LIABILITY PR F3 63 02 12 MISSOURI MANDATORY ENDORSEMENT EMPLOYMENT PRACTICES LIABILITY PR TO 07 02 15 EMPLOYMENT PRACTICES LIAB COVG PART DEC PR T1 10 04 09 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM PR T5 23 03 15 COVG FOR FINANCIAL INTEREST IN FOREIGN ORGANIZATIONS EMPLOYMENT PRACTICES LIABILITY PR F1 39 04 09 MISSOURI MANDATORY ENDORSEMENT MULTIPLE SUBLINE ENDORSEMENTS CG T3 33 11 03 LIMITATION WHEN TWO OR MORE POLICIES APPLY CG 26 25 04 05 MISSOURI CHANGES GUARANTY ASSOCIATION INTERLINE ENDORSEMENTS IL IL IL IL IL IL IL IL T3 T4 T4 T3 00 01 02 FO 68 12 14 82 21 05 74 61 POLICY HOLDER PN T4 54 01 03 01 05 09 10 02 09 NOTICES 01 15 15 15 13 o8 o8 13 07 o8 FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE AMNDT COMMON POLICY COND PROHIBITED COVG CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM 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 TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 2 OF 3 TRAVELERS DOC MGMT Page 68 of 391 ILT8010101 | 2 |
POLICY NUMBER 680 8M849912 19 42 EFFECTIVE DATE 12282019 ISSUE DATE 11082019 PN T5 PN MP PN T7 PN MP 86 57 72 38 04 04 07 01 09 17 11 11 EPL RISK MANAGEMENT LETTER IMP NOT PROT SAFEGUARDS SPRK AND REST IMPORTANT NOTICE EMPLOYMENT PRACTICES LIABILITY HOTLINE IMPORTANT NOTICE JURISDICTIONAL INSPECTIONS 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 69 of 391 ILT8010101 | 2 |
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N TRAVELERS.I One Tower Square Hartford Connecticut 06183 SPECIAL PROVISIONS POLICY NO. 680 8M849912 19 42 LOSS PAYEE ISSUE DATE 11082019 PREMISES LOCATION NUMBER 002 BUILDING NUMBER 001 LOSS PAYEE NAME AND MAILING ADDRESS PLATTE VALLEY BANK OF MISSOURI 9591 N MCGEE ST KANSAS CITY MO 6415 MO 64155 MPT0250205 Pagel ofl TRAVELERS DOC MGMT Page 72 of 391 | 2 |
COMMERCIAL PROPERTY POLICY NUMBER 680 8M849912 19 42 ISSUE DATE 11082019 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 002 Building Number 001 Applicable Clause Enter C.1C.2.C.3.or C.4. 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 Location Number Building Number Applicable Clause Enter C.1C.2.C.3.or C.4. Description Of Property Loss Payee Name Loss Payee Address Location Number Building Number Applicable Clause Enter C.1C.2.C.3.or C.4. Description Of Property Loss Payee Name Loss Payee Address Information required to complete this Schedule if not shown above will be shown in the Declarations. SRy oss Payee Name PLATTE VALLEY BANK OF MISSOURI oss Payee Address 9591 N MCGEE ST oss Payee Name oss Payee Address oss Payee Name oss Payee Address Insurance Services Office Inc. 2011 Page 1 of 3 TRAVELERS DOC MGMT Page 73 of 391 CP12181012 | 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 3 TRAVELERS DOC MGMT Page 74 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 a. 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 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 of 3 TRAVELERS DOC MGMT Page 75 of 391 CP 12181012 | 2 |
ICY NUMBER 680 8M849912 19 42 BUSINESSOWNERS ISSUE DATE 11082019 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Power Pac Premier Endorsement POLICY NUMBER 680 8M849912 19 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 76 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 77 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 78 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 79 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 80 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 81 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 82 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 83 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 84 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 85 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 86 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 87 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 88 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 89 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 90 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 91 of 391 | 2 |
BUSINESSOWNERS POLICY NUMBER 680 8M849912 19 42 ISSUE DATE 11082019 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 92 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 93 of 391 Page 2 of 2 | 2 |
BUSINESSOWNERS POLICY NUMBER 680 8M849912 19 42 ISSUE DATE 11082019 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 94 of 391 MP T3 4102 05 | 2 |
GENERAL LIABILITY TRAVELERS DOC MGMT Page 95 of 391 | 2 |
GENERAL LIABILITY TRAVELERS DOC MGMT Page 96 of 391 | 2 |
DECLARATIONS PREMIUM SCHEDULE Issue Date 11082019 Policy Number 680 8M849912 19 42 This Schedule applies to the Declarations for the period of 12282019 to 12282020. 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 97 of 391 | 2 |
TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG T1000219 SECTION COVERAGES Beginning on Page Coverage A Bodily Injury and Property Insuring Agreement Damage Liability Exclusions Coverage B Personal and Advertising Insuring Agreement Injury Liability Exclusions Coverage C Medical Payments Insuring Agreement Exclusions Supplementary Payments SECTION Il WHO IS AN INSURED SECTION Il LIMITS OF INSURANCE SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Bankruptcy Duties In The Event Of Occurrence Offense Claim Or Suit Legal Action Against Us. Other Insurance. Premium Audit... Representations.... Separation Of Insureds Transfer Of Rights Of Recovery Against Others To Us When We Do Not Renew SECTION V DEFINITIONS TABLE OF CONTENTS VU Vs 19 ECTION COVERAGES Beginning on Page Coverage A Bodily Injury and Property Insuring Agreement. Damage Liability Exclusions..................2 Coverage B Personal and Advertising Insuring Agreement... Injury Liability Exclusions................. Coverage C Medical Payments Insuring Agreement. Exclusions Supplementary Payments ECTION Il WHO IS AN INSURED..... SECTION Il LIMITS OF INSURANCE....... ECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS..... Bankruptcy..... Duties In The Event Of Occurrence Offense Claim Or Suit Legal Action Against Us. Other Insurance. Premium Audit Representations Separation Of Insureds Transfer Of Rights Of Recovery Against Others To Us When We Do Not Renew SECTION V DEFINITIONS... Beginning on Page CG T0340219 TRAVELERS DOC MGMT Page 98 of 391 | 2 |
COMMERCIAL GENERAL LIABILITY COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and 3 Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 99 of 391 CGT1000219 | 0 |
COMMERCIAL GENERAL LIABILITY Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. 2. Exclusions This insurance does not apply to Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided that the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of bodily injury or property damage provided that a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that Page 2 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CG T1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 100 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY b c d is used to heat cool or dehumidify the building or produced by or originating from equipment that is used to heat water for personal use by the building s occupants or their guests Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste If such pollutants are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or i Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire or e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are or were at any time performing operations to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2017 The Travelers Indemnity Company. All rights reserved. Page 3 of 21 Includes copyrighted material of Insurance Services Office Inc. with s permission. TRAVELERS DOC MGMT Page 101 of 391 CG T1000219 | 1 |
COMMERCIAL GENERAL LIABILITY g b Claim or suit by or on behalf of any governmental authority or any other person or organization 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. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a 50 feet long or less and b Not being used to carry any person or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify as mobile equipment under the definition of mobile equipment if such land vehicle were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipment or 6 An aircraft that is a Chartered with a pilot to any insured b Not owned by any insured and c Not being used to carry any person or property for a charge. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity War Bodily injury or property damage arising out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 4 Personal property in the care custody or control of the insured Page 4 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CGT1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 102 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY accidental physical injury to your product or your work after it has been put to its intended use. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. Unsolicited Communication Bodily injury or property damage arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication. Access Or Disclosure Of Confidential Or Personal Information Bodily injury or property damage arising out of any access to or disclosure of any person s or organization s confidential or personal information. Asbestos 1 Bodily injury or property damage arising out of the actual or alleged presence or actual alleged or threatened dispersal of asbestos asbestos fibers or products containing asbestos provided that the bodily injury or property damage is caused or contributed to by the hazardous properties of asbestos. 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to premises damage. A separate limit of insurance applies to premises damage as described in Paragraph 6. of Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and 2017 The Travelers Indemnity Company. Al rights reserved. Page 5 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 103 of 391 CGT1000219 | 1 |
COMMERCIAL GENERAL LIABILITY 2 Bodily injury or property damage arising out of the actual or alleged presence or actual alleged or threatened dispersal of any solid liquid gaseous or thermal irritant or contaminant including smoke vapors soot fumes acids alkalis chemicals and waste and that are part of any claim or suit which also alleges any bodily injury or property damage described in Paragraph 1 above. 3 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of asbestos asbestos fibers or products containing asbestos or b Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of asbestos asbestos fibers or products containing asbestos. Employment Related Practices Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practice policy act or omission such as coercion demotion evaluation reassignment discipline failure to promote or advance harassment humiliation discrimination libel slander violation of the person s right of privacy malicious prosecution or false arrest detention or imprisonment applied to or directed at that person regardless of whether such practice policy act or omission occurs is applied or is committed before during or after the time of that person s employment or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraph a bor c above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the bodily injury. Exclusions c. through n. do not apply to premises damage. A separate limit of insurance applies to premises damage as described in Paragraph 6. of Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. detoxify or espond to or f asbestos ts containing oehalf of any or any other because of cleaning up treating g or in any issessing the stos fibers or tos. son t person s ctice policy as coercion eassignment promote or humiliation der violation of privacy 2 Page 6 of 21 2017 The Travelers Indemnity Company. All rights reserved. CGT1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 104 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY This exclusion does not apply to personal injury caused by malicious prosecution. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication including publication by electronic means of material if done by or at the direction of the insured with knowledge of its falsity. Material Published Or Used Prior To Policy Period 1 Personal and advertising injury arising out of oral or written publication including publication by electronic means of material whose first publication took place before the beginning of the policy period or Advertising injury arising out of infringement of copyright title or slogan in your advertisement whose first infringement in your advertisement was committed before the beginning of the policy period. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Because of personal injury assumed by you in a contract or agreement that is an insured contract provided that the personal injury is caused by an offense committed subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of personal injury provided that a Liability to such party for or for the cost of that party s defense has also been assumed by you in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. f. Breach Of Contract Advertising injury arising out of a breach of contract. g. Quality Or Performance Of Goods Failure To Conform To Statements Advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement. h. Wrong Description Of Prices Advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. i. Intellectual Property Personal and advertising injury arising out of any actual or alleged infringement or violation of any of the following rights or laws or any other personal and advertising injury alleged in any claim or suit that also alleges any such infringement or violation 1 Copyright 2 Patent 3 Trade dress 4 Trade name 5 Trademark 6 Trade secret or 7 This exclusion does not apply to Other intellectual property rights or laws. 1 Advertising injury arising out of any actual or alleged infringement or violation of another s copyright title or slogan in your advertisement or 2 Any other personal and advertising injury alleged in any claim or suit that also alleges any such infringement or violation of another s copyright title or slogan in your advertisement. j. Insureds In Media And Internet Type Businesses Personal and advertising injury caused by an offense committed by an insured whose business is 1 Advertising broadcasting or publishing 2017 The Travelers Indemnity Company. Al rights reserved. Page 7 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 105 of 391 CGT1000219 | 1 |
COMMERCIAL GENERAL LIABILITY neutralizing or in any way responding to or assessing the effects of pollutants. War Personal and advertising injury arising out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. Unsolicited Communication Personal and advertising injury arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication. Access Or Disclosure Of Confidenital Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. Asbestos 1 Personal and advertising injury arising out of the actual or alleged presence or actual alleged or threatened dispersal of asbestos asbestos fibers or products containing asbestos provided that the personal and advertising injury is caused or contributed to by the hazardous properties of asbestos. 2 Personal and advertising injury arising out of the actual or alleged presence or actual alleged or threatened dispersal of any solid liquid gaseous or thermal irritant or contaminant including smoke vapors soot fumes acids alkalis chemicals and waste and that are part of any claim or suit which also alleges any personal and advertising injury described in Paragraph 1 above. 3 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or 2 Designing or determining content of websites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs a.1 2 and 3 of the definition of personal injury. For the purposes of this exclusion 1 Creating and producing correspondence written in the conduct of your business bulletins financial or annual reports or newsletters about your goods products or services will not be considered the business of publishing and 2 The placing of frames borders or links or advertising for you or others anywhere on the Internet will not by itself be considered the business of advertising broadcasting or publishing. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts or owns or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers.. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. Pollution Related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for monitoring cleaning up removing containing treating detoxifying or Page 8 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CG T1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 106 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY assess the effects of asbestos asbestos fibers or products containing asbestos or b Claim or suit by or on behalf of any governmental authority or any other person or organization because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of asbestos asbestos fibers or products containing asbestos. Employment Related Practices Personal injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practice policy act or omission such as coercion demotion evaluation reassignment discipline failure to promote or advance harassment humiliation discrimination libel slander violation of the person s right of privacy malicious prosecution or false arrest detention or imprisonment applied to or directed at that person regardless of whether such practice policy act or omission occurs is applied or is committed before during or after the time of that person s employment or 2 The spouse child parent brother or sister of that person as a consequence of personal injury to that person at whom any of the employment related practices described in Paragraph a b or c above is directed. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the personal injury. COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. e. Athletics Act To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. es f. Products Completed Operations Hazard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. 2017 The Travelers Indemnity Company. All rights reserved. Page 9 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 107 of 391 CG T1000219 | 1 |
COMMERCIAL GENERAL LIABILITY assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence or offense are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit b Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverages Coverage A Bodily Injury And Property Damage Liability or Paragraph 2.e. of Section Coverages Coverage B Personal And Advertising Injury Liability such payments will not be deemed to be damages for bodily injury property damage or personal injury and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when SUPPLEMENTARY PAYMENTS 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 2500 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to fumish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. e. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been Page 10 of 21 2017 The Travelers Indemnity Company. All rights reserved. CGT1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 108 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY used up the applicable limit of n the payment of judgments or medical expenses or ns set forth above or the terms of nt described in Paragraph f. above r met. IS AN INSURED ated in the Declarations as al you and your spouse are t only with respect to the conduct s of which you are the sole owner. ip or joint venture you are an ur members your partners and s are also insureds but only with e conduct of your business. bility company you are an insured. rs are also insureds but only with ne conduct of your business. Your e insureds but only with respect to S your managers. tion other than a partnership joint mited liability company you are an r executive officers and directors s but only with respect to their your officers or directors. Your are also insureds but only with eir liability as stockholders. are an insured. Your trustees are Is but only with respect to their stees. wing is also an insured eer workers only while performing d to the conduct of your business nployees other than either your fficers if you are an organization partnership joint venture or limited any or your managers if you are a ity company but only for acts ope of their employment by you or ming duties related to the conduct siness. However none of these or volunteer workers are Wjury or personal injury ou to your partners or members if are a partnership or joint venture our members if you are a limited ity company to a coemployee in the course of his or her loyment or performing duties ed to the conduct of your ness or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above c For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or d Arising out of his or her providing or failing to provide professional health care services. Unless you are in the business or occupation of providing professional health care services Paragraphs 1a b c and d above do not apply to bodily injury arising out of providing or failing to provide first aid or Good Samaritan services by any of your employees or volunteer workers other than an employed or volunteer doctor. Any such employees or volunteer workers providing or failing to provide first aid or Good Samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. 2017 The Travelers Indemnity Company. All rights reserved. Page 11 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 109 of 391 a. We have used up the applicable limit of insurance in the payment of judgments settlements or medical expenses or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. 2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer CGT1000219 | 1 |
COMMERCIAL GENERAL LIABILITY d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. e. Any person or organization that with your express or implied consent either uses or is responsible for the use of a watercraft that you do not own that is 1 50 feet long or less and 2 Not being used to carry any person or property for a charge. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and of which you are the sole owner or in which you maintain an ownership interest of more than 50 will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. For the purposes of Paragraph 1. of Section Il Who Is An Insured each such organization will be deemed to be designated in the Declarations as a. An organization other than a partnership joint venture or limited liability company or b. Atrust as indicated in its name or the documents that govern its structure. Any person or organization that is a premises owner manager or lessor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage or personal and advertising injury that a. Is bodily injury or property damage that occurs or is personal and advertising injury caused by an offense that is committed subsequent to the signing of that contract or agreement and b. Arises out of the ownership maintenance or use of that part of any premises leased to you. The insurance provided to such premises owner manager or lessor is subject to the following provisions a. The limits of insurance provided to such premises owner manager or lessor will be the minimum limits that you agreed to provide in the written contract or agreement or the limits shown in the Declarations whichever are less. b. The insurance provided to such premises owner manager or lessor does not apply to 1 Any bodily injury or property damage that occurs or personal and advertising injury caused by an offense that is committed after you cease to be a tenant in that premises or Structural alterations new construction or demolition operations performed by or on behalf of such premises owner manager or lessor. Any person or organization that is an equipment lessor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage or personal and advertising injury that a. Is bodily injury or property damage that occurs or is personal and advertising injury caused by an offense that is committed subsequent to the signing of that contract or agreement and b. Is caused in whole or in part by your acts or omissions in the maintenance operation or use of equipment leased to you by such equipment lessor. The insurance provided to such equipment lessor is subject to the following provisions a. The limits of insurance provided to such equipment lessor will be the minimum limits that you agreed to provide in the written contract or agreement or the limits shown in the Declarations whichever are less. b. The insurance provided to such equipment lessor does not apply to any bodily injury or property damage that occurs or personal and advertising injury caused by an offense that is committed after the equipment lease expires. No person or organization is an insured with respect to the conduct of any current or past partnership joint damage that occurred before you or formed the organization and B does not apply to personal and g injury arising out of an offense 1 before you acquired or formed the on. bses of Paragraph 1. of Section Il sured each such organization will be designated in the Declarations as zation other than a partnership joint r limited liability company or in its name or the documents that icture. or organization that is a premises jer or lessor and that you have agreed ontract or agreement to include as an ured on this Coverage Part is an only with respect to liability for bodily perty damage or personal and ury that injury or property damage that r is personal and advertising injury an Affence that e rammittad Page 12 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CGT1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 110 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY venture or limited liability company that is not shown as a Named Insured in the Declarations. This paragraph does not apply to any such partnership joint venture or limited liability company that otherwise qualifies as an insured under Section Il Who Is An Insured. SECTION Il LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. 3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal injury and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. For the purposes of determining the applicable Each Occurrence Limit all related acts or omissions committed in providing or failing to provide first aid or Good Samaritan services to any one person will be deemed to be one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of premises damage to any one premises. The Damage To Premises Rented To You Limit will be a. The amount shown for the Damage To Premises Rented To You Limit in the Declarations of this Coverage Part or b. 300000 if no amount is shown for the Damage To Premises Rented To You Limit in the Declarations of this Coverage Part. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit e number of e or uite brouaht or 2017 The Travelers Indemnity Company. All rights reserved. Page 13 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 111 of 391 CG T1000219 | 1 |
COMMERCIAL GENERAL LIABILITY 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. The following provisions apply to Paragraph a. above but only for purposes of the insurance provided under this Coverage Part to you or any insured listed in Paragraph 1. or 2. of Section Il Who Is An Insured 1 Notice to us of such occurrence or offense must be given as soon as practicable only after the occurrence or offense is known to you if you are an individual any of your partners or members who is an individual if you are a partnership or joint venture any of your managers who is an individual if you are a limited liability company any of your executive officers or directors if you are an organization other than a partnership joint venture or limited liability company any of your trustees who is an individual if you are a trust or any employee authorized by you to give notice of an occurrence or offense. 2 If you are a partnership joint venture limited liability company or trust and none of your partners joint venture members managers or trustees are individuals notice to us of such occurrence or offense must be given as soon as practicable only after the occurrence or offense is known by a Any individual who is i A partner or member of any partnership or joint venture i A manager of any limited liability company 3. An executive officer or director of any other organization or iv A trustee of any trust that is your partner joint venture member manager or trustee or b Any employee authorized by such partnership joint venture limited liability company trust or other organization to give notice of an occurrence or offense. 3 Notice to us of such occurrence or offense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers compensation insurer. This applies only if you subsequently give notice to us of the occurrence or offense as soon as practicable after any of the persons described in Paragraph e.1 or 2 above discovers that the occurrence or offense may result in sums to which the insurance provided under this Coverage Part may apply. However if this policy includes an endorsement that provides limited coverage for bodily injury or property damage or pollution costs arising out of a discharge release or escape of pollutants which contains a requirement that the discharge release or escape of pollutants must be reported to us within a specific number of days after its abrupt commencement this Paragraph e. does not affect that requirement. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Page 14 of 21 2017 The Travelers Indemnity Company. All rights reserved CGT1000219 Includes copyrighted material of Insurance Services Office Inc. with s permission. TRAVELERS DOC MGMT Page 112 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY 4. Other Insurance If valid and collectible other insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as described in Paragraphs a. and b. below. As used anywhere in this Coverage Part other insurance means insurance or the funding of losses that is provided by through or on behalf of i Another insurance company ii Us or any of our affiliated insurance companies except when the Non cumulation of Each Occurrence Limit provision of Paragraph 5. of Section Il Limits Of Insurance or the Non cumulation of Personal and Advertising Injury Limit provision of Paragraph 4. of Section Il Limits of Insurance applies because the Amendment Non Cumulation Of Each Occurrence Limit Of Liability And Non Cumulation Of Personal And Advertising Injury Limit endorsement is included in this policy ivAny self insurance method or program in which case the insured will be deemed to be the provider of other insurance. Any risk retention group or Other insurance does not include umbrella insurance or excess insurance that was bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. As used anywhere in this Coverage Part other insurer means a provider of other insurance. As used in Paragraph c. below insurer means a provider of insurance. a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below except when Paragraph d. below applies. b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work 2 3 4 ii That is insurance for premises damage If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to any exclusion in this Coverage Part that applies to aircraft autos or watercraft iv That is insurance available to a premises owner manager or lessor that qualifies as an insured under Paragraph 4. of Section Il Who Is An Insured except when Paragraph d. below applies or That is insurance available to an equipment lessor that qualifies as an insured under Paragraph 5. of Section Il Who Is An Insured except when Paragraph d. below applies. Any of the other insurance whether primary excess contingent or on any other basis that is available to the insured when the insured is an additional insured or is any other insured that does not qualify as a named insured under such other insurance. v b When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. 2017 The Travelers Indemnity Company. Al rights reserved. Page 15 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 113 of 391 CG T1000219 | 1 |
COMMERCIAL GENERAL LIABILITY c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. d. Primary And Non Contributory Insurance If Required By Written Contract If you specifically agree in a written contract or agreement that the insurance afforded to an insured under this Coverage Part must apply on a primary basis or a primary and non contributory basis this insurance is primary to other insurance that is available to such insured which covers such insured as a named insured and we will not share with that other insurance provided that 1 The bodily injury or property damage for which coverage is sought occurs and 2 The personal and advertising injury for which coverage is sought is caused by an offense that is committed subsequent to the signing of that contract or agreement by you. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. The unintentional omission of or unintentional error in any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or nonrenewal in accordance with applicable insurance laws or regulations. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Named Insured and b. Separately to each insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. Insured were the only SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding websites only that part of a website that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. Page 16 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CG T1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 114 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY Advertising injury a. Means injury caused by one or more of the following offenses 1 Oral or written publication including publication by electronic means of material in your advertisement that slanders or libels a person or organization or disparages a person s or organization s goods products or services provided that the claim is made or the suit is brought by a person or organization that claims to have been slandered or libeled or that claims to have had its goods products or services disparaged 2 Oral or written publication including publication by electronic means of material in your advertisement that a Appropriates a person s name voice photograph or likeness or b Unreasonably places a person in a false light or 3 Infringement of copyright title or slogan in your advertisement provided that the claim is made or the suit is brought by a person or organization that claims ownership of such copyright title or slogan. b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment. Bodily injury means a. Physical harm including sickness or disease sustained by a person or b. Mental anguish injury or illness or emotional distress resulting at any time from such physical harm sickness or disease. Broadcasting means transmitting any audio or visual material for any purpose a. By radio or television or b. In by or with any other electronic means of communication such as the Internet if that material is part of 1 Radio or television programming being transmitted 2 Other entertainment educational instructional music or news programming being transmitted or 3 Advertising transmitted with any of such programming. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to. Electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Employee includes a leased worker. Employee does not include a temporary worker. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. 4 r written publication including on by electronic means of material advertisement that opriates a person s name voice ograph or likeness or asonably places a person in a light or ent of copyright title or slogan advertisement provided that the made or the suit is brought by a or organization that claims ip of such copyright title or dily injury caused by one or more nses described in Paragraph a. tor vehicle trailer or semitrailer travel on public roads including machinery or equipment or and vehicle that is subject to a or financial responsibility law or o provic dama the te cottle uding sickness or disease n or 2017 The Travelers Indemnity Company. Al rights reserved. Page 17 of 21 Includes copyrighted material of Insurance Services Office Inc. with s permission. TRAVELERS DOC MGMT Page 115 of 391 CGT1000219 | 1 |
COMMERCIAL GENERAL LIABILITY 10. 11. 12. 13. Good Samaritan services means any emergency medical services for which no compensation is demanded or received. Hostile fire means a fire which becomes uncontrollable or breaks out from where it was intended to be. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for premises damage is not an insured contract A sidetrack agreement Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury property damage or personal injury to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle 14. 15. 16. tracks roadbeds tunnel underpass or crossing 2 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in Paragraph 2 above and supervisory inspection architectural or engineering activities. Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads iemolition vad ance to onnection greement ding an onnection y under F another property Page 18 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CG T1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 116 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers f. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Such land vehicles are considered 17. Occurrence means a. An accident including continuous or repeated exposure to substantially the same general harmful conditions or 18. 19. b. An act or omission committed in providing or failing to provide first aid or Good Samaritan services to a person unless you are in the business or occupation of providing professional health care services. Personal and advertising injury means personal injury or advertising injury. Personal injury a. Means injury other than advertising injury caused by one or more of the following offenses 1 False arrest detention or imprisonment 2 Malicious prosecution 3 The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies provided that the wrongful eviction wrongful entry or invasion of the right of private occupancy is committed by or on behalf of the owner landlord or lessor of that room dwelling or premises 4 Oral or written publication including publication by electronic means of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services provided that the claim is made or the suit is brought by a person or organization that claims to have been slandered or libeled or that claims to have had its goods products or services disparaged or 5 Oral or written publication including publication by electronic means of material that a Appropriates a person s name voice photograph or likeness or b Unreasonably places a person in a false light. b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. 20. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. lled and are mobility to nt of the generators g building tion lighting r ices used to ph a. b. c. for purposes persons or 5 with the y attached ent but will ar devices uck chassis ers and generators g building tion lighting include any mpulsory or Totor vehicle or principally considered 4 5 2017 The Travelers Indemnity Company. Al rights reserved. Page 19 of 21 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 117 of 391 CG T1000219 | 1 |
COMMERCIAL GENERAL LIABILITY 21. Premises damage means With respect to the first paragraph of the exceptions in Exclusion j. of Section I Coverage A Bodily Injury And Property Damage Liability property damage to any premises while rented to you for a period of seven or fewer consecutive days including the contents of such premises or With respect to the exception to Exclusions c. through n. in the last paragraph of Paragraph 2. of Section I Coverage A Bodily Injury And Property Damage Liability property damage to any premises while rented to you for a period of more than seven consecutive days or while temporarily occupied by you with permission of the owner caused by W 3 4 Fire Explosion Lightning Smoke resulting from fire explosion or lightning or 5 Water. But premises damage under this Paragraph b. does not include property damage to any premises caused by 1 Rupture bursting or operation of pressure relief devices 2 Rupture or bursting due to expansion or swelling of the contents of any building or structure caused by or resulting from water or 3 Explosion of steam boilers steam pipes steam engines or steam turbines. 22. Products completed operations hazard Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other c than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 23. Property damage means Physical injury to tangible property including all resulting loss of use of that property. All such loss of use will be deemed to occur at the time of the physical injury that caused it or. Loss of use of tangible property that is not physically injured. All such loss of use will be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. 24. Slogan Means a phrase that others use for the purpose of attracting attention in their advertising. Does not include a phrase used as or in the name of 1 Any person or organization other than you or 2 Any business or any of the premises goods products services or work of any person or organization other than you. uilding or m water m pipes property ises you oduct or Page 20 of 21 2017 The Travelers Indemnity Company. Al rights reserved. CGT1000219 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 118 of 391 | 1 |
COMMERCIAL GENERAL LIABILITY 25. 26. 27. 28. 29. 30. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Title means a name of a literary or artistic work. Unsolicited communication means any communication in any form that the recipient of such communication did not specifically request to receive. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 31. Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. 2017 The Travelers Indemnity Company. All rights reserved. Page 21 of 21 Includes copyrighted material of Insurance Services Office Inc. with ts permission. TRAVELERS DOC MGMT Page 119 of 391 CG T10002 19 | 1 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDATORY ENDORSEMENT PRODUCTS COMPLETED OPERATIONS HAZARD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following replaces Paragraph b.3 of the definition of products completed operations hazard in the DEFINITIONS Section 3 Products or operations for which the classification listed in the Declarations in a policy Schedule or in our manual of rules states that the products completed operations are subject to the General Aggregate Limit. Page 1 of 1 CGD3090219 2017 The Travelers Indemnity Company. Al rights reserved. Page 1 of Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 120 of 391 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR SMALL BUSINESSES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE This endorsement broadens coverage. However coverage for any injury damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights duties and what is and is not covered. A. Who Is An Insured Unnamed Subsidiaries C. Who Is An Insured Newly Acquired Or B. Who Is An Insured Employees And Volunteer Formed Limited Liability Companies Workers Bodily Injury To Co Employees And D. Incidental Medical Malpractice Co Volunteer Workers E. Blanket Waiver Of Subrogation b. An organization other than a partnership joint venture or limited liability company or c. Atrust as indicated in its name or the documents that govern its structure.. WHO IS AN INSURED EMPLOYEES AND VOLUNTEER WORKERS BODILY INJURY TO CO EMPLOYEES AND CO VOLUNTEER WORKERS The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Paragraphs 1a b and c above do not apply to bodily injury to a coemployee while in the course of the coemployee s employment by you or performing duties related to the conduct of your business or to bodily injury to your other volunteer workers while performing duties related to the conduct of your business.. WHO IS AN INSURED NEWLY ACQUIRED OR FORMED LIMITED LIABILITY COMPANIES 1. The following replaces the first sentence of Paragraph 3. of SECTION Il WHO IS AN INSURED Any organization you newly acquire or form other than a partnership or joint venture and of which you are the sole owner or in which you maintain an ownership interest of more than 50 will qualify as a Named Insured if PROVISIONS A. WHO IS AN INSURED UNNAMED SUBSIDIARIES The following is added to SECTION Il WHO IS AN INSURED Any of your subsidiaries other than a partnership or joint venture that is not shown as a Named Insured in the Declarations is a Named Insured if a. You are the sole owner of or maintain an ownership interest of more than 50 in such subsidiary on the first day of the policy period and b. Such subsidiary is not an insured under similar other insurance. No such subsidiary is an insured for bodily injury or property damage that occurred or personal and advertising injury caused by an offense committed a. Before you maintained an ownership interest of more than 50 in such subsidiary or b. After the date if any during the policy period that you no longer maintain an ownership interest of more than 50 in such subsidiary. For purposes of Paragraph 1. of Section Il Who Is An Insured each such subsidiary will be deemed to be designated in the Declarations as a. A limited liability company 2018 The Travelers Indemnity Company. All rights reserved. Page 1 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 121 of 391 CGD8420219 | 2 |
COMMERCIAL GENERAL LIABILITY there is no other similar insurance available to that organization. The following replaces the last sentence of Paragraph 3. of SECTION Il WHO IS AN INSURED For the purposes of Paragraph 1. of Section I Who Is An Insured each such organization will be deemed to be designated in the Declarations as a. A limited liability company b. An organization other than a partnership joint venture or limited liability company or c. Atrust as indicated in its name or the documents that govern its structure. D. INCIDENTAL MEDICAL MALPRACTICE 1. The following replaces Paragraph b. of the definiton of occurrence in the DEFINITIONS Section b. An act or omission committed in providing or failing to provide incidental medical services first aid or Good Samaritan services to a person unless you are in the business or occupation of providing professional health care services. The following replaces the last paragraph of Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Unless you are in the business or occupation of providing professional health care services Paragraphs 1a b c and d above do not apply to bodily injury arising out of providing or failing to provide a Incidental medical services by any of your employees who is a nurse nurse assistant emergency medical technician paramedic athletic trainer audiologist dietician nutritionist occupational therapist or occupational therapy assistant physical therapist or speech language pathologist or b First aid or Good Samaritan services by any of your employees or volunteer workers other than an employed or volunteer doctor. Any such employees or volunteer workers providing or failing to provide first aid or Good Samaritan services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business. 3. The following replaces the last sentence of Paragraph 5. of SECTION Il LIMITS OF INSURANCE For the purposes of determining the applicable Each Occurrence Limit all related acts or omissions committed in providing or failing to provide incidental medical services first aid or Good Samaritan services to any one person will be deemed to be one occurrence. 4. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Sale Of Pharmaceuticals Bodily injury or property damage arising out of the violation of a penal statute or ordinance relatng to the sale of pharmaceuticals committed by or with the knowledge or consent of the insured. 5. The following is added to the DEFINITIONS Section Incidental medical services means a. Medical surgical dental laboratory x ray or nursing service or treatment advice or instruction or the related furnishing of food or beverages or b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances. 6. The following is added to Paragraph 4.b. Excess Insurance of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS This insurance is excess over any valid and collectible other insurance whether primary excess contingent or on any other basis that is available to any of your employees for bodily injury that arises out of providing or failing to provide incidental medical services to any person to the extent not subject to Paragraph 2.a.1 of Section Il Who Is An Insured. E. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us Page 2 of 3 2018 The Travelers Indemnity Company. All rights reserved. CG D8 420219 Includes copyrighted material of Insurance Services Office Inc. with its permission TRAVELERS DOC MGMT Page 122 of 391 | 2 |
COMMERCIAL GENERAL LIABILITY of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS If the insured has agreed in a contract or agreement to waive that insured s right of recovery against any person or organization we waive our right of recovery against such person or organization but only for payments we make because of a. Bodily injury or property damage that occurs or b. Personal and advertising injury caused by an offense that is committed subsequent to the execution of the contract or agreement. 2018 The Travelers Indemnity Company. All rights reserved. Page 3 of 3 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 123 of 391 CGD8420219 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DISCRIMINATION This endors ement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Discrimination Bodily injury arising out of discrimination based upon a person s sex sexual orientation marital status pregnancy race color creed religion national origin citizenship veteran status age genetic information or physical or mental disability or any other characteristic attribute trait condition or status that qualifies a person for protection against discrimination under federal state or local law. 2. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Discrimination Personal injury arising out of discrimination based upon a person s sex sexual orientation marital status pregnancy race color creed religion national origin citizenship veteran status age genetic information or physical or mental disability or any other characteristic attribute trait condition or status that qualifies a person for protection against discrimination under federal state or local law. Page 1 of 1 CGD1420219 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 124 of 391 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 1.a. of Coverage C Medical Payments is replaced by the following 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and c reported to us within one year of the date of the accident. However expenses reported to us after one year of the date of the accident will not be denied solely because of the late submission unless such late submission operates to prejudice our rights and The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. Insurance Services Office Inc. 2012 Page 1 of 1 TRAVELERS DOC MGMT Page 125 of 391 CG 26500413 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF DUTIES IN EVENT OF AN OCCURRENCE OFFENSE CLAIM OR SUIT CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The last paragraph of Paragraph 2.e. Duties In The Event Of Occurrence Offense Claim Or Suit of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted. 2017 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 126 of 391 CGF9340219 | 2 |
CYBERFIRST ESSENTIALS TRAVELERS DOC MGMT Page 127 of 391 | 2 |
CYBERFIRST ESSENTIALS TRAVELERS DOC MGMT Page 128 of 391 | 2 |
A TRAVELERSJ One Tower Square Hartford Connecticut 06183 CYBERFIRST ESSENTIALS POLICY NO. 680 8M849912 19 42 COVERAGE PART DECLARATIONS ISSUE DATE 11 08 19 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 19 to 12 28 20 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 129 of 391 | 2 |
CYBER LIABILITY POLICY NUMBER 680 8M849912 19 42 ISSUE DATE11 08 19 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 130 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 131 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 132 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 133 of 391 | 2 |
CYBER LIABILITY Costs or expenses to purchase and install anti virus software point of sale systems software firewall protection software or fire wall protection hardware that satisfies the re quirements of the payment card security standards if after a security breach it is determined through a PClI forensic investiga tion that you are out of compliance with the payment card security standards or Costs for the scanning services of a qualified security assessor to certify that your up graded software and hardware systems meet the requirements of the payment card secur ity standards but only for the first such scan ning services after your software or hardware systems or both are upgraded. Your crisis management service expenses a. b. Means the reasonable fees costs or ex penses incurred and paid by you in 1 Retaining a public relations consultant or firm or a crisis management consultant or firm or 2 Planning or executing your public rela tions campaign to mitigate any actual or potential negative publicity generated from loss to which this in surance applies. Does not include fees costs or expenses you incur to comply with any law or regulation. Your cyber first party loss means loss that is a. b. c. Your security breach notification and reme diation expenses Your payment card expenses or Your crisis management service expenses. Your payment card expenses a. Means any of the following reasonable fees costs or expenses incurred and paid by you which are directly attributed to a security breach 1 Software and hardware upgrade and scanning services expenses 2 Payment card contract penalties or 3 Chargebacks. Does not include 1 Remuneration paid to your regular em ployees for work beyond their normal scheduled hours 2 3 4 5 Fees costs or expenses of outside con sultants retained by you unless we agree to reimburse you for such fees costs or expenses Amounts that you voluntarily agree to pay to any person whose identity informa tion was accessed or acquired without his or her authorization Fees costs or expenses in a Retaining a public relations consul tant or firm or a crisis management consultant or firm or b Planning or executing your public re lations campaign to mitigate any actual or potential nega tive publicity generated from the security breach or Your security breach notification and re mediation expenses. Your security breach notification and remediation expenses Means any of the following reasonable fees costs or expenses incurred and paid by you which can be directly attributed to a security breach 2 3 4 5 Forensic fees costs or expenses to de termine the cause of the security breach and the persons whose identity information was accessed or acquired without their authorization. Fees costs or expenses to develop docu ments or materials to notify the persons whose identity information was ac cessed or acquired without their author ization. Costs of mailings or other communica tions required to notify the persons whose identity information was accessed or ac quired without their authorization. Costs of providing 365 days of credit monitoring services to persons whose identity information was accessed or ac quired without their authorization starting with the date that you first notify such persons of the security breach. Costs of establishing and maintaining a call center to be used by persons whose identity information was accessed or ac quired without their authorization. 2014 The Travelers Indemnity Company. Al rights reserved. Page 5 of 6 TRAVELERS DOC MGMT Page 134 of 391 PR T497 0315 | 2 |
CYBER LIABILITY 3 4 5 to reimburse you for such fees costs or expenses. Fines or penalties imposed by law or that any insured has agreed to pay for any reason. Amounts that you voluntarily agree to pay to any person whose identity informa tion was accessed or acquired without his or her authorization. Your crisis management service ex penses. 6 Any other fees costs or expenses nec essary to comply with any security breach notification law that applies to you. b. Does not include 1 Remuneration paid to your regular em ployees for work beyond their normal scheduled hours. 2 Fees costs or expenses of outside con sultants retained by you unless we agree Page 6 of 6 2014 The Travelers Indemnity Company. Al rights reserved. PRT4970315 TRAVELERS DOC MGMT Page 135 of 391 | 2 |
EMPLOYMENT PRACTICES LIABILITY TRAVELERS DOC MGMT Page 136 of 391 | 2 |
EMPLOYMENT PRACTICES LIABILITY TRAVELERS DOC MGMT Page 137 of 391 | 2 |
A TRAVELERSJ One Tower Square Hartford Connecticut 06183 EMPLOYMENT PRACTICES LIABILITY POLICY NO. 680 8M849912 19 42 WITH IDENTITY FRAUD EXPENSE ISSUE DATE11082019 REIMBURSEMENTCOVERAGE PART DECLARATIONS THIS FORM PROVIDES CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY FOR EMPLOYMENT PRACTICES LIABILITY COVERAGE INSURING COMPANY THE PHOENIX INSURANCE COMPANY POLICY PERIOD From 12282019 to 12282020 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employment Practices Liability With Identity Fraud Expense Reimbursement Coverage Part consists of these Declarations and the Coverage Form shown below. ITEM 1. LIMIT OF INSURANCE AND RETENTION FOR EMPLOYMENT PRACTICES LIABILITY COVERAGE Limit of Insurance 100000 Defense Expenses are included within the Limit of Insurance Retention Amount applicable to each Employment Practices Liability Claim 2500 ITEM 2. LIMIT OF INSURANCE AND DEDUCTIBLE FOR IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE Limit of Insurance 2500 Deductible Amount applicable to Identity Fraud Expense Reimbursement 0 ITEM 3. EMPLOYMENT PRACTICES LIABILITY COVERAGE EXTENDED REPORTING PERIOD Subject to the terms and conditions of the Employment Practices Liability Coverage an optional Extended Re porting Period may be purchased for 12 months for 75 of the Premium for the Policy Period. ITEM 4. EMPLOYMENT PRACTICES LIABILITY CONTINUITY DATE Continuity Date 12282018 ITEM 5. PREMIUM INCLUDED ITEM 6. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. Page 1of 1 PR T00702 15 2015 The Travelers Indemnity Company. Al rights reserved. TRAVELERS DOC MGMT Page 138 of 391 | 2 |
POLICYHOLDER NOTICES TRAVELERS DOC MGMT Page 139 of 391 | 2 |
POLICYHOLDER NOTICES TRAVELERS DOC MGMT Page 140 of 391 | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. Page 1of 1 PN T4 540108 TRAVELERS DOC MGMT Page 141 of 391 | 2 |
IMPORTANT NOTICE RISK MANAGEMENT PLUS ONLINE FROM TRAVELERS BOND FINANCIAL PRODUCTS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT BROKER OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE. THE PROVISIONS OF YOUR POLICY PREVAIL Thank you for choosing Travelers for your insurance needs. Travelers Select Accounts and Bond Financial Products have partnered to offer you Employment Practices Liability with Identity Fraud Expense Reimbursement. Travelers Bond Financial Products is a market leader in providing management liability coverage that is in synch with your private company. As your risks evolve so do we through our ability to provide you with responsive risk management services. With your purchase of Employment Practices Lablmywnh Identity Fraud Expense Reimbursement Travelers is pleased to provide you with Risk Management PLUS Online the industry s most comprehensive program for mitigating your management liability exposures. The site includes risk management tools for Employment Practices Liability Identity Fraud Expense Reimbursement and many other liability coverage related exposures Risk Management PLUSOnline is a flexible comprehensive loss prevention program specifically designed for Travelers customers and is available to you at no additional cost. Included in the site is a library of articles checklists and training on relevant risk mitigation topics for the management liability areas mentioned above. Highlights of Risk Management PLUS Online services include Web based risk management training Weekly articles on current issue Model policies and forms for downloading or printing that cover major risks associated with the workplace The attached Risk Management PLUSOnline Registration Instructions contain easy step by step instructions to register for this valuable tool. For more information call 1 888 712 7667 and ask for your Risk Management PLUS Online representative. It s that simple. We strongly encourage you to take full advantage of this program. Once again thank you for choosing Travelers. Page 1 of 2 PN T5 86 04 09 TRAVELERS DOC MGMT Page 142 of 391 | 2 |
Instructions for Registration Orientation to Risk Management pLUSO Registration for Site Administrators The Site Administrator is the person in your organization who will oversee Risk Management PLUS Online for the organization. The Site Administrator is typically a person who leads human resources andor financial functions or is responsible for legal matters pertaining to personnel. The Site Administrator may add other Site Administrators later to assist with their responsibilities. To register Go to www.rmplusonline. com. In the Sign In box click Register. Enter the password passcode TRVP160000 Please note there are 4 letters followed by 6 numbers in the code Fill in the Registration Information and click Submit. Your organization is registered and you are registered as Site Administrator. Learning to Navigate the Site Go to www.rmplusonline.com. On each page you will see a box outlined in blue that contains the instructions for use of that page. If you have any questions just click on Contact Us on the front page. Enter your question in the form provided and the System Administrator will get back to you quickly with the answer. You can also schedule a live walk through of the site by sending a request for a walk through via the contact link on the front page. Page 2 of 2 PN T5 86 04 09 TRAVELERS DOC MGMT Page 143 of 391 | 2 |
IMPORTANT NOTICE RISK MANAGEMENT PLUS ONLINE FROM TRAVELERS BOND FINANCIAL PRODUCTS EMPLOYMENT PRACTICES LIABILITY HOTLINE NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT BROKER OR LOCAL COMPANY REPRESENTATIVE IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. Employment Practices Liability Hotline N As part of the services provided through Risk Management PLUS Online Travelers is pleased to provide its Employment Practices Liability with Identity Fraud Expense Reimbursement coverage policyholders with unlimited access to a toll free hotline designed to provide quick practical guidance on day to day workplace issues. To utilize the hotline call 1 866 EPL TRAV 1 866 375 8728. Through this hotline policyholders are eligible to receive free general guidance from the national employment law firm of Jackson Lewis LLP. The hotline is available toll free from anywhere in the United States. We have developed this program in conjunction with Jackson Lewis LLP one of the largest law firms in the country exclusively dedicated to representing management on workplace issues. With more than 650 attorneys in 46 offices countrywide the firm has both a recognized expertise in workplace related issues and a sensitivity to regional business environments. From reviewing the proper steps for a sexual harassment investigation to discussing general factors to consider before you make day to day employment decisions the firm s attorneys are available to assist policyholders in managing their workplace risk and minimizing employment related claims. As part of this program policyholders are also eligible to receive a 10 percent discount on Jackson Lewis regular fees for matters beyond the scope of the hotline such as those dealing with specific employees or areas not within the scope of their policy. Similarly the hotline can not be used to report a claim regardless of any disclosure made to Jackson Lewis. We encourage policyholders to take advantage of this no cost hotline. For more information about the hotline go to www.rmplusonline.comEPLhotline. This material does not amend or otherwise affect the provisions or coverages of any insurance policy or bond issued by Travelers. It is not a representation that coverage does or does not exist for any particular claim or loss under any such policy or bond. Coverage depends on the facts and circumstances involved in the claim or loss all applicable policy or bond provisions and any applicable law. Availability of coverage referenced in this document can depend on underwriting qualifications and state regulations. Page 1 of 1 PNT77207 11 TRAVELERS DOC MGMT Page 144 of 391 | 2 |
IMPORTANT NOTICE CONTACT INFORMATION MISSOURI NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMA TION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. Questions regarding your policy or coverage should be directed to your agent or us at Travelers One Tower Square Hartford CT 06183 800 328 2189 Travelers.com Page 1 of 1 PN T2 0405 10 TRAVELERS DOC MGMT Page 145 of 391 | 2 |
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