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EMPLOYMENT PRACTICES LIABILITY we are not licensed to provide this insurance and where providing this insurance would vio late the laws or regulations of such country or jurisdiction. 5. The following is added to Paragraph B. of SEC TION 1ll CONDITIONS APPLICABLE TO THIS COVERAGE PART Insured s Duties In The Event Of A Claim For Foreign Employment Practices Liability Loss In the event of a claim for foreign employment practices liability loss made against a foreign in sured organization or any other insured for whom such foreign insured organization is li able the first Named Insured must a. Arrange to investigate and defend such claim b. Notify us in writing in advance of any pro posed settlement of such claim c. Comply with all other conditions of this Coverage Part as if such claim was made against any insured that is not a foreign insured organization. Page 2 of 2 2015 The Travelers Indemnity Company. All rights reserved. PRT5230315 TRAVELERS DOC MGMT Page 346 of 391 | 2 |
EMPLOYMENT PRACTICES LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI MANDATORY ENDORSEMENT This endorsement modifies insurance provided under the following EMPLOYMENT PRACTICES LIABILITYWITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE PART PROVISIONS 1. The following replaces Paragraph A. Cancella tion of the COMMON POLICY CONDITIONS A. Cancellation We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation stating the actual reason for cancellation at least 1. 10 days before the effective date of can cellation if we cancel for nonpayment of premium. 30 days before the effective date of can cellation if cancellation is for one or more of the following reasons a. Fraud or material misrepresentation affecting this policy or a claim filed under this policy or a violation of any of the terms or conditions of this pol icy b. Changes in conditions after the effec tive date of this policy which have materially increased the risk as sumed c. We become insolvent or We involuntarily lose reinsurance for this policy. 60 days before the effective date of can cellation if we cancel for any other rea son. 2. The following are added to Paragraph A. of SECTION Ill CONDITIONS APPLICABLE TO THIS COVERAGE PART When We Do Not Renew We may elect not to renew this policy by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonre newal stating the actual reason for non renewal at least 60 days prior to the ef fective date of the nonrenewal. b. If notice is mailed proof of mailing will be ficient proof of notice. Missouri Property And Casualty Insur Guaranty Association Coverage Limitation Subject to the provisions of the Mis Property and Casualty Insurance Guar Association Act to be referred to as the. if we are a member of the Missouri Proj and Casualty Insurance Guaranty Associ to be referred to as the Association the sociation will pay claims covered under Act if we become insolvent. The Act contains various exclusions cc tions and limitations that govern a claim eligibility to collect payment from the Ass tion and affect the amount of any payn The following limitations apply subject t other provisions of the Act 1 Claims covered by the Association dc include a claim by or against an ins of an insolvent insurer if the insured a net worth of more than 25 millior the later of the end of the insured s recent fiscal year or the December tf first of the year next preceding the the insurer becomes insolvent prov that an insured s net worth on such shall be deemed to include the aggre net worth of the insured and all of it filiates as calculated on a consolid basis. Payments made by the Associatior covered claims will include only amount of each claim which is less 300000. However the Association will not a Pay an amount in excess of the plicable limit of insurance of the icy from which a claim arises or b Return to an insured any unea premium in excess of 25000. These limitations have no effect on the erage we will provide under this policy. laces Paragraph A. Cancella MON POLICY CONDITIONS el this policy by mailing or deliv rst Named Insured written notice n stating the actual reason for at least before the effective date of can if we cancel for nonpayment of before the effective date of can if cancellation is for one or more owing reasons 1 or material misrepresentation ting this policy or a claim filed r this policy or a violation of any terms or conditions of this pol ges in conditions after the effec date of this policy which have rially increased the risk as d ecome insolvent or nvoluntarily lose reinsurance for olicy. before the effective date of can if we cancel for any other rea e added to Paragraph A. of ONDITIONS APPLICABLE TO E PART t Renew elect not to renew this policy by r delivering to the first Named at the last mailing address us written notice of nonre ating the actual reason for non at least 60 days prior to the ef te of the nonrenewal. 2009 The Travelers Companies Inc. b. If notice is mailed proof of mailing will be suf ficient proof of notice. Missouri Property And Casualty Insurance Guaranty Association Coverage Limitations Subject to the provisions of the Missouri Property and Casualty Insurance Guaranty Association Act to be referred to as the Act if we are a member of the Missouri Property and Casualty Insurance Guaranty Association to be referred to as the Association the As sociation will pay claims covered under the Act if we become insolvent. The Act contains various exclusions condi tions and limitations that govern a claimant s eligibility to collect payment from the Associa tion and affect the amount of any payment. The following limitations apply subject to all other provisions of the Act 1 Claims covered by the Association do not include a claim by or against an insured of an insolvent insurer if the insured has a net worth of more than 25 million on the later of the end of the insured s most recent fiscal year or the December thirty first of the year next preceding the date the insurer becomes insolvent provided that an insured s net worth on such date shall be deemed to include the aggregate net worth of the insured and all of its af filiates as calculated on a consolidated basis. Payments made by the Association for covered claims will include only that amount of each claim which is less than 300000. However the Association will not a Pay an amount in excess of the ap plicable limit of insurance of the pol icy from which a claim arises or b Return to an insured any unearned premium in excess of 25000. These limitations have no effect on the cov erage we will provide under this policy. Page 1 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 347 of 391 PR F139 0409 with its permission. | 2 |
EMPLOYMENT PRACTICES LIABILITY Pollutant means any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Pollutants includes a. Petroleum or petroleum derivatives gasoline fuels lubricants and their respective addi tives and individual chemical components in cluding benzene and toluene b. Chlorinated and halogenated solvents includ ing tetrachloroethylene PCE or PERC tri chloroethylene TCE trichloroethane TCA and vinyl chloride and their degradation products c. Coal tar manufactured gas plant MGP by products and polynuclear aromatic hydrocar bons PAHSs phenols and polychlorinated bi phenyls PCBs and d. Organic and inorganic pesticides and inor ganic contaminants including arsenic bar ium beryllium lead cadmium chromium and mercury. This definition of pollutant applies regardless of whether 1. The irritant or contaminant or the particular form type or source of the irritant or contami nant involved in the claim or suit is specifi cally identified or described in this definition such as waste from manufacturing opera tions 2. The irritant or contaminant has or had any function in any of the insured s business op erations premises sites or locations such as i PERC for a dry cleaning business or ii TCE or any of the other items included as examples of pollutants in b. above for degreasing operations 3. The irritant or contaminant represents a major source of potential liability for the insured such as gasoline or any of the other items in cluded as examples of pollutants in a. above for a gasoline station or 4. The insured expects or considers the irritant or contaminant to be a pollutant. Waste includes materials to be recycled recondi tioned or reclaimed. The phrase two years in Paragraph C.5 of SECTION Ill CONDITIONS APPLICABLE TO THIS COVERAGE PART is replaced by the phrase ten years. The following is added to Paragraph B. of SEC TION Ill CONDITIONS APPLICABLE TO THIS COVERAGE PART and supersedes any provi sions to the contrary Your Right To Claim And Wrongful Act Infor mation We will provide the first Named Insured shown in the Declarations the following information relating to this policy and any other preceding policy we have issued to you during the previous three years that provides this or similar coverage a. A list or other record of each wrongful em ployment practice not previously reported to any other insurer of which we were notified in accordance with the terms and conditions of this policy. We will include the date and brief description of the wrongful employment prac tice if that information was in the notice we received. b. A summary by policy year of payments made and amounts reserved stated separately un der any applicable Limit of Insurance. Amounts reserved are based on our judgment. They are subject to change and should not be re garded as ultimate settlement values. If we cancel or elect not to renew this policy we will provide such information no later than 30 days before the date of policy termination. If the first Named Insured cancels or elects not to renew we will provide this information within 30 days of the first Named Insured s written request. In other circumstances we will provide this infor mation only if we receive a written request from the first Named Insured within 60 days after the end of the policy period. In this case we will pro vide this information within 45 days of receipt of the request. We compile claim and wrongful employment practice information for our own business pur poses and exercise reasonable care in doing so. In providing this information to the first Named In sured we make no representations or warranties to insureds insurers or others to whom this in formation is furnished by or on behalf of any in sured. Cancellation or nonrenewal will be effec tive even if we inadvertently provide inaccurate in formation. The following replaces the definition of Pollutant in Paragraph G.10. Definitions of SECTION EMPLOYMENT PRACTICES LIABILITY COV ERAGE Page 2 of 2 2009 The Travelers Companies Inc. PR F1 39 04 09 Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 348 of 391 | 2 |
MULTIPLE SUBLINE ENDORSEMENTS TRAVELERS DOC MGMT Page 349 of 391 | 2 |
MULTIPLE SUBLINE ENDORSEMENTS TRAVELERS DOC MGMT Page 350 of 391 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION WHEN TWO OR MORE POLICIES APPLY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART Provisions 1. Injury damage or loss might be covered by this policy and also by other policies issued to you by us or any Travelers affiliate. When these other policies contain a provision similar to this one the amount we will pay is limited. The maximum that we will pay under all such policies combined is the highest limit that applies in any one of these policies. 2. This does not apply to any personal liability policy or to any Umbrella Excess or Protective Liability Policy. CGT3331103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 TRAVELERS DOC MGMT Page 351 of 391 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES GUARANTY ASSOCIATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY MISSOURI PROPERTY AND CASUALTY INSUR ANCE GUARANTY ASSOCIATION COVERAGE LIMITATIONS A. Subject to the provisions of the Missouri Property and Casualty Insurance Guaranty Association Act to be referred to as the Act if we are a member of the Missouri Property and Casualty Insurance Guaranty Association to be referred to as the Association the Association will pay claims cov ered under the Act if we become insolvent.. The Act contains various exclusions conditions and limitations that govern a claimant s eligibility to collect payment from the Association and affect the amount of any payment. The following limita tions apply subject to all other provisions of the Act 1. Claims covered by the Association do not in clude a claim by or against an insured of an insolvent insurer if the insured has a net worth of more than 25 million on the later of the end of the insured s most recent fiscal year or the December thirty first of the year next preceding the date the insurer becomes insolvent provided that an insured s net worth on such date shall be deemed to include the aggregate net worth of the insured and all of its affiliates as calculated on a consolidated basis. Payments made by the Association for cov ered claims will include only that amount of each claim which is less than 300000. However the Association will not 1 Pay an amount in excess of the applica ble limit of insurance of the policy from which a claim arises or 2 Return to an insured any unearned pre mium in excess of 25000. These limitations have no effect on the coverage we will provide under this policy. CG 26 2504 05 I1SO Properties Inc. 2004 Page 1 of 1 TRAVELERS DOC MGMT Page 352 of 391 | 2 |
INTERLINE ENDORSEMENTS TRAVELERS DOC MGMT Page 353 of 391 | 2 |
INTERLINE ENDORSEMENTS TRAVELERS DOC MGMT Page 354 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement applies to the insurance provided under the following COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COV ERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANS PORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART Any other Commercial Liability coverage included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended PROVISIONS The federal Terrorism Risk Insurance Act of 2002 as amended TRIA establishes a program under which the Federal Government may partially reimburse Insured Losses as defined in TRIA caused by Acts Of Terror ism as defined in TRIA. Act Of Terrorism is defined in Section 1021 of TRIA to mean any act that is certified by the Secretary of the Treasury in consultation with the Secretary of Homeland Security and the Attorney Gen eral of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influ ence the policy or affect the conduct of the United States Government by coercion. The Federal Government s share of compensation for such Insured Losses is established by TRIA and is a per centage of the amount of such Insured Losses in excess of each Insurer s Insurer Deductible as defined in TRIA subject to the Program Trigger as defined in TRIA. Through 2020 that percentage is established by TRIA as follows 85 with respect to such Insured Losses occurring in calendar year 2015. 84 with respect to such Insured Losses occurring in calendar year 2016. 83 with respect to such Insured Losses occurring in calendar year 2017. 82 with respect to such Insured Losses occurring in calendar year 2018. 81 with respect to such Insured Losses occurring in calendar year 2019. 80 with respect to such Insured Losses occurring in calendar year 2020. Page 1 of 2 ILT3680115 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission TRAVELERS DOC MGMT Page 355 of 391 | 2 |
In no event however will the Federal Government be required to pay any portion of the amount of such Insured Losses occurring in a calendar year that in the aggregate exceeds 100 billion nor will any Insurer be required to pay any portion of such amount provided that such Insurer has met its Insurer Deductible. Therefore if such In sured Losses occurring in a calendar year exceed 100 billion in the aggregate the amount of any payments by the Federal Government and any coverage provided by this policy for losses caused by Acts Of Terrorism may be reduced. For each coverage provided by this policy that applies to such Insured Losses the charge for such Insured Losses is included in the premium for such coverage. The charge for such Insured Losses that has been included for each such coverage is indicated below and does not include any charge for the portion of such Insured Losses covered by the Federal Government under TRIA. 1 of each applicable Commercial Liability Coverage premium. Page 2 of 2 ILT3680115 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission TRAVELERS DOC MGMT Page 356 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COMMON POLICY CONDITIONS PROHIBITED COVERAGE UNLICENSED INSURANCE AND TRADE OR ECONOMIC SANCTIONS This endorsement modifies insurance provided under the following ALL COVERAGES INCLUDED IN THIS POLICY The following is added to the Common Policy Condi b. TI tions d Prohibited Coverage Unlicensed Insurance tic 1. With respect to loss sustained by any insured or in loss to any property located in a country or juris Prohibite diction in which we are not licensed to provide tions this insurance this insurance does not apply to We will p the extent that insuring such loss would violate will provid the laws or regulations of such country or jurisdic ing such tion. any of our 2. We do not assume responsibility for 1. Anyt a. The payment of any fine fee penalty or other regul charge that may be imposed on any person 2. Anyc or organization in any country or jurisdiction B prohit because we are not licensed to provide insur ance in such country or jurisdiction or b. The furnishing of certificates or other evi dence of insurance in any country or jurisdic tion in which we are not licensed to provide insurance. Prohibited Coverage Trade Or Economic Sanc tions We will provide coverage for any loss or otherwise will provide any benefit only to the extent that provid ing such coverage or benefit does not expose us or any of our affiliated or parent companies to 1. Any trade or economic sanction under any law or regulation of the United States of America or 2. Any other applicable trade or economic sanction prohibition or restriction. Page 1 0of 1 ILT41203 15 2014 The Travelers Indemnity Company. All rights reserved TRAVELERS DOC MGMT Page 357 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE DELUXE PROPERTY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COV ERAGE PART ENVIRONMENTAL HAZARD POLICY EQUIPMENT BREAKDOWN COVERAGE PART EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART Any other Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended The following is added to this policy. This provision can limit coverage for any loss arising out of a certi fied act of terrorism if such loss is otherwise covered by this policy. This provision does not apply if and to the extent that coverage for the loss is excluded or limited by an exclusion or other coverage limitation for losses arising out of certified acts of terrorism in an other endorsement to this policy. If aggregate insured losses attributable to certified acts of terrorism exceed 100 billion in a calendar year and we have met our insurer deductible under TRIA we will not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in accordance with the provisions of TRIA to be an act of terrorism pursuant to TRIA. The criteria contained in TRIA for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to TRIA and 2. Theactis a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. TRIA means the federal Terrorism Risk Insurance Act of 2002 as amended. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in accordance with the provisions of TRIA to be an act of terrorism pursuant to TRIA. The criteria contained in TRIA for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to TRIA and 2. Theactis a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. TRIA means the federal Terrorism Risk Insurance Act of 2002 as amended. Page 1 of 1 ILT4140115 2015 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 358 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART A. The exclusion set forth in Paragraph B. applies to all coverage under all forms and endorsements that comprise this Coverage Part or Policy in cluding but not limited to forms or endorsements that cover property damage to buildings or per sonal property and forms or endorsements that cover business income extra expense rental value or action of civil authority.. We will not pay for loss or damage caused by or resulting from any virus bacterium or other mi This endorsement modifies insurance provided under the following croorganism that induces or is capable of induc ing physical distress illness or disease.. With respect to any loss or damage subject to the exclusion in Paragraph B. such exclusion super sedes any exclusion relating to pollutants.. The terms of the exclusion in Paragraph B. or the inapplicability of this exclusion to a particular loss do not serve to create coverage for any loss that would otherwise be excluded under this Coverage Part or Policy. Page 1 of 1 ILT3820513 2013 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission. TRAVELERS DOC MGMT Page 359 of 391 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily in jury or property damage resulting from 2 ISO Properties Inc. 2007 hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. 2 3 Page 1 of 2 TRAVELERS DOC MGMT Page 360 of 391 IL 00 21 09 08 | 2 |
the total amount of such material in the custody of the insured at the premises where such equipment or device is lo cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation prem ises or place prepared or used for the storage or disposal of waste d and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time Page 2 of 2 IS0 Properties Inc. 2007 IL 00 21 09 08 TRAVELERS DOC MGMT Page 361 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES POLLUTION This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY STANDARD PROPERTY POLICY In this Coverage Part or Policy any exclusion applies whether or not limitation or other provision relating to pollutants any function in or o pollutants or any amendment to or replacement of premises site or locati such exclusions limitations or other provisions applies whether or not the irritant or contaminant has any function in or on your business operations premises site or location. Insurance Services Office Inc. 2008 Page 1 of 1 IL 01 05 10 08 TRAVELERS DOC MGMT Page 362 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTYCOVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. When this endorsement is attached to the Stan dard Property Policy CP 00 99 the term Com mercial Property Coverage Part in this endorse ment also refers to the Standard Property Policy.. With respect to the Commercial General Liability Coverage Part Commercial Property Legal Liability Coverage Form CP 00 40 Commercial Property Mortgageholders Errors And Omissions Coverage Form CP 00 70 Crime And Fidelity Coverage Part Employment Related Practices Liability Coverage Part Equipment Breakdown Coverage Part Farm Liability Coverage Form Liquor Liability Coverage Part Pollution Liability Coverage Part Products Completed Operations Liability Cover age Part Medical Professional Liability Coverage Part the following Cancellation and Nonrenewal Pro visions apply Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation stating the actual reason for cancellation at least a. 10 days before the effective date of can cellation if we cancel for nonpayment of premium b. 30 days before the effective date of can cellation if cancellation is for one or more of the following reasons 1 Fraud or material misrepresentation affecting this policy or a claim filed under this policy or a violation of any of the terms or conditions of this pol icy 2 Changes in conditions after the effec tive date of this policy which have materially increased the risk as sumed 3 We become insolvent or 4 We involuntarily lose reinsurance for this policy c. 60 days before the effective date of can cellation if we cancel for any other rea son. Nonrenewal The following is added and supersedes any pro vision to the contrary a. We may elect not to renew this policy by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonre newal stating the actual reason for non renewal at least 60 days prior to the ef fective date of the nonrenewal. Insurance Services Office Inc. 2012 Page 1 of 2 IL 02740213 TRAVELERS DOC MGMT Page 363 of 391 | 2 |
b. If notice is mailed proof of mailing will be sufficient proof of notice. C. With respect to the Capital Assets Program Output Policy Coverage Part Commercial Inland Marine Coverage Part Commercial Property Coverage Part Farm Property Other Farm Provisions Form Additional Coverages Conditions Definitions Coverage Form Farm Livestock Coverage Form Farm Mobile Agricultural Machinery And Equipment Coverage Form Paragraphs 1. 2. 3. 4. and 6. of the Cancella tion Common Policy Condition are replaced by the following Cancellation Nonrenewal And Decreases In Coverage 1. The first Named Insured shown in the Decla rations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel nonrenew reduce in amount or adversely modify this policy by mailing or delivering to the first Named Insured written notice of this action at least a. 10 days before the effective date of this action if due to nonpayment of premium or evidence of incendiarism or b. 30 days before the effective date of this action if for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of a. Cancellation will state the effective date of cancellation. The policy period will end on that date. b. Any other action will state the effective date of that action. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. D. With respect to all Coverage Parts addressed in this endorsement Paragraph 5. of the Cancella tion Common Policy Condition is replaced by the following 5. If this policy is cancelled we will send the first Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return pre mium a. We will compute return premium pro rata and round to the next higher whole dollar when this policy is 1 Cancelled by us or at our request 2 Cancelled because you no longer have a financial or insurable interest in the property or business operation that is the subject of this insurance 3 Cancelled but rewritten with us or in our company group or 4 Cancelled after the first year if it is a prepaid policy written for a term of more than one year. b. When this policy is cancelled at the re quest of the first Named Insured except when Paragraph a.2 a.3 or a.4 ap plies we will return 90 of the pro rata unearned premium or 75 of the pro rata unearned premium for the Equipment Breakdown Coverage Part rounded to the next higher whole dollar. However when such cancellation takes place dur ing the first year of a multiyear prepaid policy we will return the full annual pre mium for the subsequent years. The refund will be less than 90 of the pro rata unearned premium or less than 75 of the pro rata unearned premium for the Equipment Breakdown Coverage Part if the refund of such amount would reduce the premium retained by us to an amount less than the minimum premium for this policy. Page 2 of 2 Insurance Services Office Inc. 2012 IL 02740213 TRAVELERS DOC MGMT Page 364 of 391 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES DEFINITION OF POLLUTANTS This endorsement modifies insurance provided under the following COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART DELUXE PROPERTY COVERAGE PART FARM COVERAGE PART PROVISIONS The definition of pollutants in this Coverage Part or in any endorsement to this Coverage Part is deleted and replaced by the following 1. Pollutants means any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Pollutants includes a. Petroleum or petroleum derivatives gasoline fuels lubricants and their respective addi tives and individual chemical components including benzene and toluene Chlorinated and halogenated solvents in cluding tetrachloroethylene PCE or PERC trichloroethylene TCE trichloroethane TCA and vinyl chloride and their degrada tion products Coal tar manufactured gas plant MGP by products and polynuclear aromatic hydrocar bons PAHs phenols and polychlorinated bi phenyls PCBs and Organic and inorganic pesticides and inor ganic contaminants including arsenic bar ium beryllium lead cadmium chromium and mercury. 2. This definition of pollutants applies regardless of whether a. d. The irritant or contaminant or the particular form type or source of the irritant or con taminant involved in the loss or damage is specifically identified or described in this definition such as waste from manufacturing operations The irritant or contaminant has or had any function in any of the insured s business op erations premises sites or locations such as i PERC for a dry cleaning business or ii TCE or any of the other items included as examples of pollutants in 1.b. above for degreasing operations The irritant or contaminant represents a ma jor source of potential loss or damage for the insured such as gasoline or any of the other items included as examples of pollutants in 1.a. above for a gasoline station or The insured expects or considers the irritant or contaminant to be a pollutant. Waste includes materials to be recycled recondi tioned or reclaimed. IL FO 6109 07 Page 1 of 1 2006 The Travelers Companies Inc. TRAVELERS DOC MGMT Page 365 of 391 | 2 |
POLICYHOLDER NOTICES TRAVELERS DOC MGMT Page 366 of 391 | 2 |
POLICYHOLDER NOTICES TRAVELERS DOC MGMT Page 367 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 368 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 369 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 370 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 371 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 372 of 391 | 2 |
IMPORTANT NOTICE JURISDICTIONAL INSPECTIONS 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 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 THE POLICY PREVAIL. Dear Policyholder Many states and some cities issue certificates permitting the continued operation of certain equipment such as boilers water heaters pressure vessels etc. Periodic inspections are normally required to renew these certifi cates. In most jurisdictions insurance company employees who have been licensed are authorized to perform these inspections. If You own or operate equipment that requires a certificate from a state or city to operate legally and We Insure that equipment under this Policy and You would like us to perform the next required inspection Then Call this toll free number 1 800 425 4119 When you call this number our representative will ask you for the following information Name of your business as shown on this Policy Policy Number Location where the equipment is located. Including Zip Code. Person to contact and phone number for scheduling of inspection Type of equipment requiring inspection Certificate inspection date and certificate number Or Fill in the form on the reverse side of this notice and fax it to the toll free number indicated on that form. Please note the following Your jurisdiction may charge you a fee for renewing a certificate. It is your responsibility to pay such a fee. All the provisions of the INSPECTIONS AND SURVEYS Condition apply to the inspections described in this notice. REMINDER If new equipment is installed or old equipment replaced that requires a jurisdictional inspection please let us know by calling our toll free number listed above. Page 1 of 2 PN MP 38 01 11 TRAVELERS DOC MGMT Page 373 of 391 | 2 |
REQUEST FOR JURISDICTIONAL INSPECTION Name of Business Policy Number Location of Equipment As Shown on Policy ZipCode City State ZipCode Person to Contact for Scheduling Inspection Telephone Number of Person to Contact Equipment Type Certificate Number Certificate Expiration Date Fax Form to 1 877 764 9535 Completed by Phone Number State Page 2 of 2 PN MP 38 01 11 TRAVELERS DOC MGMT Page 374 of 391 | 2 |
TRAVELERS Thank you for choosing Travelers for your Cyber insurance needs. As a value added service your company now has access to the Travelers eRisk Hub powered by NetDiligence. The Travelers eRisk Hub is a private web based portal containing information and technical resources that can assist you in the prevention of network cyber and privacy events and support you in a timely response if an incident occurs. The Travelers eRisk Hub portal features news content and services from leading practitioners in risk management computer forensics forensic accounting crisis communications legal counsel and other highly specialized segments of cyber risk. Please note the following 1. The Travelers eRisk Hub portal is a private site provided to customers of Travelers. Please do not share portal access instructions with anyone outside your organization. You are responsible for maintaining the confidentiality of the Access Code provided. 2. You must register to use the portal. Ideal candidates include your company s Risk Manager Compliance Manager Privacy Officer IT Operations Manager and Legal Counsel. 3. The Travelers eRisk Hub contains a directory of experienced providers of cyber risk management and breach recovery services. Travelers does not specifically endorse these companies or their respective services. Before you engage any of these companies we urge you to conduct your own due diligence to ensure the companies and their services meet your needs. Unless otherwise indicated or approved payment for services provided by these companies is your responsibility. 4. Should you experience a data breach event you may choose to call the Breach Coach listed in the portal for immediate triage assistance. Your initial consultation of up to one half hour is free of charge. Please be aware that the Breach Coach service is provided by a third party law firm. Therefore contacting the Breach Coach does NOT satisfy the claim or event notification requirements of your policy. If you wish to report a claim or event to Travelers visit us at httpswww.travelers.comclaimindex.aspx. To register for the Travelers eRisk Hub 1. Go to httpswww.eriskhub.comtravelers.php. 2. Complete the registration form. Your Access Code is 13881. 3. Once registered you can access the portal immediately. 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. CP8458 09 13 2013 The Travelers Indemnity Company. All rights reserved. Page 1 of 1 TRAVELERS DOC MGMT Page 375 of 391 | 2 |
To Our Valued Customer Each year homeowners and business owners across the nation sustain significant weather related property damage due to floods. These can include losses caused by waves tidal waters the overflow of a body of water the rapid accumulation or runoff of surface water and mudslide. In nearly all cases these flood losses can not be prevented or even anticipated. And in many instances the losses are devastating. Most standard property insurance policies including most of our policies do not provide coverage for flood losses. While flood coverage is often available primarily through the National Flood Insurance Program it is rarely purchased. Unfortunately each year we find that some policyholders are surprised and disappointed to learn that damages they have suffered as a direct result of flood are not covered under the policies they have purchased. Please review your insurance coverage with your agent or Company representative. As you consider the need for flood insurance keep in mind that floods can and do occur in locations all over the country. They are not limited to coastal areas or locations with nearby rivers or streams. Several inches of rain falling over a short period of time can cause flood damage even in normally dry areas that are not prone to flooding. For further information about Flood Insurance contact your agent or company representative or contact the National Flood Insurance Program directly. Page 1 of 1 PNT0531213 TRAVELERS DOC MGMT Page 376 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 377 of 391 | 2 |
TRAVELERS INSURING COMPANY THE PHOENIX INSURANCE COMPANY Named Insured Policy Number Policy Effective Date Policy Expiration Date Issue Date ADDITIONAL Premium One Tower Square Hartford Connecticut 06183 CHANGE ENDORSEMENT CLAY PLATTE VENTURE GROUP 680 8M849912 18 42 12282018 12282019 01162019 7098.00 Effective from 122818 at the time of day the policy becomes effective. THIS INSURANCE IS AMENDED AS FOLLOWS Premium Basis andor Rates are changed. Exposures are changed. On the Businessowners Coverage Part Declarations Loss Payee the following Loss Payees is are added PREM BLDG LOSS PAYEE LOC. NO. NO. NAME and MAILING ADDRESS 2 1 PLATTE VALLEY BANK OF MISSOURI 9591 N MCGEE ST KANSAS CITY MO 64155 Under the Businessowners Coverage Part Declarations Businessowners Property coverage is added as follows PREM BLDG NO. NO. 2 1 BUILDINGS LIMIT OF INSURANCE 2699393 BUILDINGS LIMIT OF INSURANCE 2699393 LOSS ADJUSTMENT BASIS R INFLATION GUARD 0.0 EXTERIOR BUILDING GLASS DEDUCTIBLE Property EXTERIOR BUILDING GLASS DEDUCTIBLE Property Deductible The following forms andor endorsements is are included with this change. These forms are added to the policy or replace forms already existing on the policy IL TO 07 09 87 Countersigned by NAME AND ADDRESS OF AGENT OR BROKER TRUSS LLC 9200 WARD PKWY STE 500 KANSAS CITY MO 6411 Authorized Representative DATE 01162019 Office ELMIRA NY SRV CTR MO 64114 ILT0070987 Page 1 of1 TRAVELERS DOC MGMT Page 378 of 391 | 2 |
POLICY NUMBER 680 8M849912 18 42 EFFECTIVE DATE 12282018 ISSUE DATE 01162019 LISTING OF FORMS ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS IL IL MP IL IL BUSINESSOWNERS MP cp MP MP MP MP MP MP MP MP MP MP TO TO TO T8 T3 TO 12 T1 T1 T3 T3 T3 T3 T3 T3 T3 T5 COMMERCIAL cG cG cG cG cG cG cG cG cG cG cG cG cG TO TO TO 00 D2 D3 D4 DO D1 D2 D4 D2 D2 07 19 01 01 15 25 18 30 02 63 07 25 41 49 50 56 37 09 02 02 01 09 02 10 02 02 03 03 01 02 10 11 02 11 87 05 05 01 07 05 12 05 05 15 97 15 05 06 06 o8 13 CHANGE ENDORSEMENT COMMON POLICY DECLARATIONS 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 o8 34 01 55 09 71 37 86 03 13 56 88 04 07 11 10 11 11 01 04 11 12 04 11 11 09 86 03 01 03 03 15 05 03 97 o8 03 03 DECLARATIONS PREMIUM SCHEDULE KEY TO DECLARATIONS PREMIUM SCHEDULE TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 00 01 10 01 COMMERCIAL GENERAL LIABILITY COVERAGE FORM AMENDMENT OF COVERAGE POLLUTION AMENDATORY ENDR PRODUCTS COMPLETED OPERATIONS HAZARD AMENDMENT OF COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY OTHER INSURANCE ADDITIONAL INSUREDS XTEND ENDORSEMENT AMEND NON CUMULATION OF EACH OCC AMEND COVG POLLUTION EQUIP EXCEPTION AMENDMENT OF COVERAGE PROPERTY DAMAGE EMPLOYMENT RELATED PRACTICES EXCLUSION TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 1 OF 3 TRAVELERS DOC MGMT Page 379 of 391 CHANGE ENDORSEMENT COMMON POLICY DECLARATIONS BUSINESSOWNERS COVERAGE PART DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS ILT8010101 | 2 |
POLICY NUMBER 680 8M849912 18 42 EFFECTIVE DATE 12282018 ISSUE DATE 01162019 COMMERCIAL ce ce ce ce ce ce ce ce ce ce D3 D3 D4 D6 D7 D1 D2 T4 26 F2 CYBERFIRST PR PR PR PR PR PR PR TO T1 T1 T5 T4 T5 F3 EMPLOYMENT PR PR PR PR TO T1 T5 F1 GENERAL LIABILITY CONTINUED 26 56 21 18 46 42 42 78 50 50 10 05 07 10 01 01 01 02 12 09 11 14 08 11 15 99 02 90 98 08 EXCLUSION UNSOLICITED COMMUNICATION MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS AMEND CONTRAL LIAB EXCL EXC TO NAMED INS EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION EXCLUSION DISCRIMINATION EXCLUSION WAR EXCLUSION ASBESTOS MISSOURI CHANGES MEDICAL PAYMENTS MISSOURI CHANGES DEFINITION OF POLLUTANTS ESSENTIALS LIABILITY ENDORSEMENTS 22 13 14 21 97 14 63 02 02 02 03 03 01 02 12 12 12 15 15 15 12 CYBERFIRST ESSENTIALS COVERAGE PART DECLARATIONS CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM COVG FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS CYBERFIRST ESSENTIALS BREACH ESSENTIALS ENDORSEMENT AMEND OF AI AND PI DEFINITIONS INFORMATION SECURITY LIABILITY MISSOURI MANDATORY ENDORSEMENT PRACTICES LIABILITY 07 10 23 39 02 04 03 04 MULTIPLE SUBLINE CG T3 33 11 CG 26 25 04 INTERLINE ENDORSEMENTS IL IL IL IL T3 T4 T4 T3 68 12 14 82 01 03 01 05 15 EMPLOYMENT PRACTICES LIAB COVG PART DEC 09 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM 15 COVG FOR FINANCIAL INTEREST IN FOREIGN ORGANIZATIONS EMPLOYMENT PRACTICES LIABILITY 09 MISSOURI MANDATORY ENDORSEMENT ENDORSEMENTS 03 LIMITATION WHEN TWO OR MORE POLICIES APPLY 05 15 15 15 13 MISSOURI CHANGES GUARANTY ASSOCIATION 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 TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 2 OF 3 TRAVELERS DOC MGMT Page 380 of 391 IL T8 010101 | 2 |
POLICY NUMBER 680 8M849912 18 42 EFFECTIVE DATE 12282018 ISSUE DATE 01162019 INTERLINE ENDORSEMENTS CONTINUED IL 00 21 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM IL 01 05 10 08 MISSOURI CHANGES POLLUTION IL 02 74 02 13 MISSOURI CHANGES CANCELLATION AND NONRENEWAL IL FO 61 09 07 MISSOURI CHANGES DEFINITION OF POLLUTANTS POLICY HOLDER NOTICES PN T4 54 01 08 IMPORTANT NOTICE REGARDING INDEPENDENT AGENT AND BROKER COMPENSATION PN T5 86 04 09 EPL RISK MANAGEMENT LETTER PN MP 57 04 17 IMP NOT PROT SAFEGUARDS SPRK AND REST PN T7 72 07 11 IMPORTANT NOTICE EMPLOYMENT PRACTICES LIABILITY HOTLINE PN MP 38 01 11 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 381 of 391 ILT8010101 | 2 |
BUSINESSOWNERS TRAVELERS DOC MGMT Page 382 of 391 | 2 |
BUSINESSOWNERS TRAVELERS DOC MGMT Page 383 of 391 | 2 |
N TRAVELERS.I One Tower Square Hartford Connecticut 06183 SPECIAL PROVISIONS POLICY NO. 680 8M849912 18 42 LOSS PAYEE ISSUE DATE 01162019 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 384 of 391 | 2 |
COMMERCIAL PROPERTY POLICY NUMBER 680 8M849912 18 42 ISSUE DATE 01162019 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 385 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 386 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 387 of 391 CP 12181012 | 2 |
TRAVELERST One Tower Square Hartford Connecticut 06183 CHANGE ENDORSEMENT INSURING COMPANY THE PHOENIX INSURANCE COMPANY Named Insured CLAY PLATTE VENTURE GROUP DBA NELL HILL S Policy Number 680 8M849912 18 42 Policy Effective Date 12282018 Policy Expiration Date 12282019 Issue Date 01312019 Premium NIL Effective from 012919 at the time of day the policy becomes effective. THIS INSURANCE IS AMENDED AS FOLLOWS On the Common Policy Declarations Item 1. Named Insured is changed to CLAY PLATTE VENTURE GROUP LLC DBA NELL HILL S The following forms andor endorsements is are included with this change. These forms are added to the policy or replace forms already existing on the policy IL TO 07 09 87 Countersigned by NAME AND ADDRESS OF AGENT OR BROKER TRUSS LLC 9200 WARD PKWY STE 500 KANSAS CITY MO 6411 Authorized Representative DATE 01312019 Office ELMIRA NY SRV CTR MO 64114 ILT0070987 Page 1 of1 TRAVELERS DOC MGMT Page 388 of 391 | 2 |
POLICY NUMBER 680 8M849912 18 42 EFFECTIVE DATE 12282018 ISSUE DATE 01312019 LISTING OF FORMS ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS IL IL MP IL IL BUSINESSOWNERS MP cp MP MP MP MP MP MP MP MP MP MP TO TO TO T8 T3 TO 12 T1 T1 T3 T3 T3 T3 T3 T3 T3 T5 COMMERCIAL cG cG cG cG cG cG cG cG cG cG cG cG cG TO TO TO 00 D2 D3 D4 DO D1 D2 D4 D2 D2 07 19 01 01 15 25 18 30 02 63 07 25 41 49 50 56 37 09 02 02 01 09 02 10 02 02 03 03 01 02 10 11 02 11 87 05 05 01 07 05 12 05 05 15 97 15 05 06 06 o8 13 CHANGE ENDORSEMENT COMMON POLICY DECLARATIONS 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 o8 34 01 55 09 71 37 86 03 13 56 88 04 07 11 10 11 11 01 04 11 12 04 11 11 09 86 03 01 03 03 15 05 03 97 o8 03 03 DECLARATIONS PREMIUM SCHEDULE KEY TO DECLARATIONS PREMIUM SCHEDULE TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 00 01 10 01 COMMERCIAL GENERAL LIABILITY COVERAGE FORM AMENDMENT OF COVERAGE POLLUTION AMENDATORY ENDR PRODUCTS COMPLETED OPERATIONS HAZARD AMENDMENT OF COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY OTHER INSURANCE ADDITIONAL INSUREDS XTEND ENDORSEMENT AMEND NON CUMULATION OF EACH OCC AMEND COVG POLLUTION EQUIP EXCEPTION AMENDMENT OF COVERAGE PROPERTY DAMAGE EMPLOYMENT RELATED PRACTICES EXCLUSION TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 1 OF 3 TRAVELERS DOC MGMT Page 389 of 391 CHANGE ENDORSEMENT COMMON POLICY DECLARATIONS BUSINESSOWNERS COVERAGE PART DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS ILT8010101 | 2 |
POLICY NUMBER 680 8M849912 18 42 EFFECTIVE DATE 12282018 ISSUE DATE 01312019 COMMERCIAL ce ce ce ce ce ce ce ce ce ce D3 D3 D4 D6 D7 D1 D2 T4 26 F2 CYBERFIRST PR PR PR PR PR PR PR TO T1 T1 T5 T4 T5 F3 EMPLOYMENT PR PR PR PR TO T1 T5 F1 GENERAL LIABILITY CONTINUED 26 56 21 18 46 42 42 78 50 50 10 05 07 10 01 01 01 02 12 09 11 14 08 11 15 99 02 90 98 08 EXCLUSION UNSOLICITED COMMUNICATION MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS AMEND CONTRAL LIAB EXCL EXC TO NAMED INS EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION EXCLUSION DISCRIMINATION EXCLUSION WAR EXCLUSION ASBESTOS MISSOURI CHANGES MEDICAL PAYMENTS MISSOURI CHANGES DEFINITION OF POLLUTANTS ESSENTIALS LIABILITY ENDORSEMENTS 22 13 14 21 97 14 63 02 02 02 03 03 01 02 12 12 12 15 15 15 12 CYBERFIRST ESSENTIALS COVERAGE PART DECLARATIONS CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST ESSENTIALS INFORMATION SECURITY LIABILITY COVERAGE FORM COVG FOR FINANCIAL INTEREST IN FOREIGN INSURED ORGANIZATIONS CYBERFIRST ESSENTIALS BREACH ESSENTIALS ENDORSEMENT AMEND OF AI AND PI DEFINITIONS INFORMATION SECURITY LIABILITY MISSOURI MANDATORY ENDORSEMENT PRACTICES LIABILITY 07 10 23 39 02 04 03 04 MULTIPLE SUBLINE CG T3 33 11 CG 26 25 04 INTERLINE ENDORSEMENTS IL IL IL IL T3 T4 T4 T3 68 12 14 82 01 03 01 05 15 EMPLOYMENT PRACTICES LIAB COVG PART DEC 09 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM 15 COVG FOR FINANCIAL INTEREST IN FOREIGN ORGANIZATIONS EMPLOYMENT PRACTICES LIABILITY 09 MISSOURI MANDATORY ENDORSEMENT ENDORSEMENTS 03 LIMITATION WHEN TWO OR MORE POLICIES APPLY 05 15 15 15 13 MISSOURI CHANGES GUARANTY ASSOCIATION 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 TEXT IN THIS FORM HAS CHANGED OR THE FORM WAS NOT ON POLICY BEFORE. T8 010101 PAGE 2 OF 3 TRAVELERS DOC MGMT Page 390 of 391 IL T8 010101 | 2 |
POLICY NUMBER 680 8M849912 18 42 EFFECTIVE DATE 12282018 ISSUE DATE 01312019 INTERLINE ENDORSEMENTS CONTINUED IL 00 21 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM IL 01 05 10 08 MISSOURI CHANGES POLLUTION IL 02 74 02 13 MISSOURI CHANGES CANCELLATION AND NONRENEWAL IL FO 61 09 07 MISSOURI CHANGES DEFINITION OF POLLUTANTS POLICY HOLDER NOTICES PN T4 54 01 08 IMPORTANT NOTICE REGARDING INDEPENDENT AGENT AND BROKER COMPENSATION PN T5 86 04 09 EPL RISK MANAGEMENT LETTER PN MP 57 04 17 IMP NOT PROT SAFEGUARDS SPRK AND REST PN T7 72 07 11 IMPORTANT NOTICE EMPLOYMENT PRACTICES LIABILITY HOTLINE PN MP 38 01 11 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 391 of 391 ILT8010101 | 2 |
GLOBAL INDEMNITY GROUP INC. PRIVACY NOTICE We at Global Indemnity Group Inc. which includes Diamond State Insurance Company Penn America Insurance Company Penn Patriot Insurance Company Penn Star Insurance Company United National Insurance Company and our affiliated companies and subsidiaries are required to protect our customers nonpublic personal financial information. We collect your nonpublic personal financial information from the following sources Information obtained from you including information from your application such as name address telephone number social security number assets and income. Information about transactions and experiences such as your premium payment and claims history. Information from a consumer reporting agency such as your credit history. WE DO NOT DISCLOSE YOUR NONPUBLIC PERSONAL FINANCIAL INFORMATION EXCEPT AS PERMITTED OR REQUIRED BY LAW. WE RESERVE THE RIGHT HOWEVER TO CHANGE THIS POLICY AT ANY TIME. SHOULD THIS POLICY CHANGE WE WILL GIVE AFFECTED CUSTOMERS AN OPPORTUNITY TO DIRECT THAT THEIR NONPUBLIC PERSONAL FINANCIAL INFORMATION NOT BE DISCLOSED. We maintain electronic physical and procedural safeguards that comply with Federal regulations to protect your nonpublic personal financial information. We limit access to your nonpublic personal financial information to those employees who need to know that information to perform their job responsibilities. We disclose nonpublic personal financial information of former customers to affiliated and nonaffiliated third parties as permitted by law. NAA105 062016 Page 1 of 1 | 2 |
GLOBAL INDEMNITY GROUP INC. Penn America Insurance Company Penn Star Insurance Company Penn Patriot Insurance Gompany United National Insurance Gompany Diamond State Insurance Gompany CLAIMS REPORTING PROCEDURES The Member Companies of Global Indemnity Group Inc. strive to provide quality claims service. In the event of a claim or potential claim please submit information about the claim immediately to us. Claims can be submitted via company web site e mail facsimile phone or mail. Information for submitting Web address httpwww.Unitednat.com Click on Report a Claim. Email address Claimsglobalindemnity.com Fax number 610 660 8885 Phone numbers 800 788 4780 or 610 660 8877 Mailing address Global Indemnity Group Inc. Claims P.O. Box 532 Willow Grove PA 19090 For Emergency Services after normal business hours please call 866 765 0474. NAA169 052017 Page 1 of 1 | 2 |
COMMERCIAL LINES COMMON POLICY DECLARATIONS D INSURANCE IS PROVIDED BY THE COMPANY DESIGNATED BY AN X Stock PENN AMERICA INSURANCE COMPANY Company aroup X PENN STAR INSURANCE COMPANY FAV00 523 PENN PATRIOT INSURANCE COMPANY Renewal of Number Bala Cynwyd Pennsylvania 19004 236 Number Rewrite of Number POLICY NUMBER PAV0005257 1. NAMED INSURED WS DYNOCO PETROLEUM MANAGEMENT DBA LLCPER FORM IL1201 MAILING ADDRESS 4129 W Cheyenne Avenue North Las Vegas NV 89032 2. POLICY PERIOD From October 1 2017 To October 1 2018 at1201 AM. Standard Time at your mailing address shown above. 3. FORM OF BUSINESS Limited Liability Company OTHER DESC 4. BUSINESS DESCRIPTION GAS STATION GROCERY STORE CAR WASH MOTEL RESTAURANT IN RETURN FOR THE PAYMENT OF THE PREMIUM AND SUBJECT TO ALL THE TERMS OF THIS POLICY WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. 5. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. PREMIUM Commercial General Liability Coverage Part 19870.00 Commercial Property Coverage Part NOT COVERED Commercial Crime Coverage Part NOT COVERED Commercial Inland Marine Coverage Part NOT COVERED Professional Liability Coverage Part NOT COVERED Liquor Liability Coverage Part 616.00 Commercial Umbrella Coverage Part NOT COVERED Owners Contractors Protective Coverage Part NOT COVERED TRIA NOT COVERED 6. TOTAL PREMIUM PAYABLE AT INCEPTION 20.456.00 Policy Fee s 225.00 Inspection Fee s 300.00 Surplus Lines Tax s 735.39 Filing Fee 84.04 Other TOTAL 21830.43 7. FORMS AND ENDORSEMENTS MADE A PART OF THIS POLICY AT THE TIME OF ISSUE AS PER FORM 1007 122000 SCHEDULE OF FORMS AND ENDORSEMENTS ATTACHED Omits applicable Forms and Endorsements if shown in specific Coverage Part Coverage Form Declarations. THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PART DECLARATIONS COVERAGE PART COVERAGE FORMS AND FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. 02505 Worldwide Facilities LLC 725 South Figueroa Street Los Angeles CA 90017 Authonzed Representative 11222017 Agency Code PG 1100092016 Page 10f 1 Satcamrol Number 2305 art Page 1 of 1 | 2 |
COMMERCIAL LINES COMMON POLICY DECLARATIONS SCHEDULE OF FORMS AND ENDORSEMENTS POLICY NUMBER PAV0005257 NAMED INSURED WS Dynoco Petroleum Management LLCPer form IL1201 Form Endorsement No. Edition Date COMMON POLICY S1100 IL0017 IL0021 IL0115 IL1201 EAA230 EAALO00 EAAl46 1003 52002 S2033 IL0003 IL0985 09 16 11 98 09 08 01 10 11 85 02 15 01 12 12 09 08 91 08 02 03 14 09 08 01 15 PENN AMERICA COMMON POLICY DECLARATIONS COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT NV CHANGES DOMESTIC PARTNERSHIP POLICY CHANGES SERVICE OF SUIT IN WITNESS CLAUSE TERRORISM EXCLUSION MINIMUM EARNED PREMIUM COMBINED PROVISIONS ENDORSEMENT LEAD CONTAMINATION EXCLUSION CALCULATION OF PREMIUM DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT COMMERCIAL GENERAL LIABILITY 2000 S2001 CG0001 52045 S2053 CG2008 CG0300 CG2028 S2113 CG2029 CG2101 CG2107 06 01 10 13 04 13 10 14 11 97 04 13 01 96 04 13 10 07 04 13 11 85 05 14 GL COVERAGE PART DECLARATIONS SUPPLEMENTAL GL DEC 1 CGL COVERAGE FORM NON OWNED AND HIRED AUTO LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE AI USERS OF GOLFMOBILES DEDUCTIBLE LIABILITY INSURANCE AI LESSOR OF LEASED EQUIPMENT AUTO EXCLUSION AI GRANTOR OF FRANCHISE EXCLUSION ATHLETIC OR SPORTS PARTICIPANTS EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND ABER PENN AMERICA COMMON POLICY DECLARATIONS COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT NV CHANGES DOMESTIC PARTNERSHIP POLICY CHANGES SERVICE OF SUIT IN WITNESS CLAUSE TERRORISM EXCLUSION MINIMUM EARNED PREMIUM COMBINED PROVISIONS ENDORSEMENT LEAD CONTAMINATION EXCLUSION CALCULATION OF PREMIUM DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT GL COVERAGE PART DECLARATIONS SUPPLEMENTAL GL DEC 1 CGL COVERAGE FORM NON OWNED AND HIRED AUTO LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE AI USERS OF GOLFMOBILES DEDUCTIBLE LIABILITY INSURANCE AI LESSOR OF LEASED EQUIPMENT AUTO EXCLUSION AI GRANTOR OF FRANCHISE EXCLUSION ATHLETIC OR SPORTS PARTICIPANTS EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY LIMITED BODILY INJURY EXCEPTION NOT INCLUDED EXCLUSION UNMANNED AIRCRAFT EMPLOYMENT RELATED PRACTICES EXCL AMENDMENT OF LIQUOR LIABILITY EXCLUSION TOTAL POLLUTION EXCLUSION WITH A HOSTILE FIRE EXCEPTION LIMITATION OF COVERAGE TO INSURED PREMISES FOR USE WITH LIQUOR POLICIES FUNGI OR BACTERIA EXCLUSION SILICA OR SILICA RELATED DUST EXCLUSION PRODUCTS COMPLETED OPERATIONS HAZARD REDEFINED CANOES OR ROWBOATS AMENDMENT OF INSURED CONTRACT DEFINITION TOTAL EXCLUSION PROFESSIONAL SERVICES G2109 06 15 cG2147 12 07 G2150 04 13 G2155 09 99 G2806 01 96 G2167 12 04 G2196 03 05 G2407 01 96 cG2416 12 07 cG2426 04 13 EPAL631 08 10 Page 1 of 2 1007 12 2000 | 2 |
COMMERCIAL LINES COMMON POLICY DECLARATIONS SCHEDULE OF FORMS AND ENDORSEMENTS POLICY NUMBER PAV0005257 NAMED INSURED WS Dynoco Petroleum Management LLCPer form IL1201 Form Endorsement No. Edition Date EPA1802 2125 S8000 CG0033 CG0305 S8001 06 17 01 07 11 97 04 13 01 96 06 05 EXCLUSION ELECTRONIC CIGARETTES EXCLUSION FIREARMS AND OTHER WEAPONS LIQUOR LIABILITY COVERAGE FORM DECLARATIONS LIQUOR LIABILITY COVERAGE FORM OCCURRENCE VERSION DEDUCTIBLE LIABILITY INSURANCE FOR USE WITH LIQUOR POLICIES ASSAULT OR BATTERY LIQUOR LIABILITY EXCLUSION ABER Page 2 of 2 1007 12 2000 | 2 |
IL00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be ef fective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice.. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declara tions is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy.. Examination Of Your Books And Records We may examine and audit your books and rec ords as they relate to this policy at any time during the policy period and up to three years afterward. D. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time and c. Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recom mendations we may make relative to certifica tion under state or municipal statutes ordi nances or regulations of boilers pressure ves sels or elevators.. Premiums The first Named Insured shown in the Declara tions 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay.. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in sured. If you die your rights and duties will be trans ferred to your legal representative but only while acting within the scope of duties as your legal rep resentative. Until your legal representative is ap pointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. IL00 17 11 98 Copyright Insurance Services Office Inc. 1998 Page 1 of 1 m | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply C. Under any Liability Coverage to bodily injury A. Under any Liability Coverage to bodily injury or property damage resulting fz.hazard or property damage ous properties of nuclear material if 1 With respect to which an insured under 1 The nuclear material a is at any nuclear the policy is also an insured under a nuc facility Wnd by or operated by or on be lear energy liability policy issued by Nuclear half of an insured or b hfS been dis Energy Liability Insurance Association Mu charged or dispersed therefrom tual Atomic Energy Liability Underwriters 2 The nuclear material is contained in Nuclear Insurance Association of Canada spent fuel or waste at any time pos or any of their successors or would be an sessed handled used processed stored insured under any such policy but for its transported or disposed of by or on behalf termination upon exhaustion of its limit of of an insured or liability or 3 The bodily injury or property damage 2 Resulting from the hazardous properties arises out of the furnishing by an insured of nuclear material and with respect to of services materials parts or equipment in which a any person or organization is re connection with the planning construction quired to maintain financial protection pur maintenance operation or use of any nuc suant to the Atomic Energy Act of 1954 or lear facility but if such facility is located any law amendatory thereof or b the in within the United States of America its terri sured is or had this policy not been issued tories or possessions or Canada this ex would be entitled to indemnity from the clusion 3 applies only to property dam United States of America or any agency age to such nuclear facility and any thereof under any agreement entered into property thereat. by the United Stgites of America or any 2. As used in this endorsement agency thereof with any person or organi N... zation. Hazardous properties includes radioactive toxic B. Under any Medical Payments coverage to or explosive prplertles.. expenses incurred with respect to bodily in Nuclear material means source material spe jury resulting from the hazardous properties cial nuclear material or by product material. of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nuc lear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. 2 3 IL 00 21 09 08 ISO Propetties Inc. 2007 Page 1 of 2 m | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nuc lear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste c Any equipment or device used for the processing fabricating or alloying of spe cial nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Page 2 of 2 ISO Propetties Inc. 2007 IL 00 21 09 08 o | 2 |
IL011501 10 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEVADA CHANGES DOMESTIC PARTNERSHIP This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. All references to spouse shall include an individual who is in a domestic partnership recognized under Nevada law.. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or domestic partnership recognized under Nevada law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or domestic partnership recognized under Nevada law who is a resi dent of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the follow ing Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Nevada law who is a resi dent of your household including a ward or foster child. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the follow ing Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Nevada law who is a resi dent of your household including a ward or foster child. IL011501 10 Insurance Services Office Inc. 2009 Page 1 0of 1 m | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY CHANGES Policy Change Number POLICY NUMBER POLICY CHANGES COMPANY EFFECTIVE PAV0005257 10012017 Penn Star Insurance Company NAMED INSURED AUTHORIZED REPRESENTATIVE WS Dynoco Petroleum Management LLCPer form 1L1201 COVERAGE PARTS AFFECTED Commercial General Liability CHANGES NAMED INSUREDS WS Dynoco Petroleum Management LLC Adams Family 1993 Trust WS Dynoco Petroleum Management LLC DBA Wesley s WS Dynoco Il LLC Glendale Gas Management LLC Moapa Town Center surance Company Commercial General Liability NAMED INSUREDS WS Dynoco Petroleum Management LLC Adams Family 1993 Trust WS Dynoco Petroleum Management LLC DBA Wesley s WS Dynoco Il LLC Glendale Gas Management LLC Moapa Town Center Authorized Representative Signature IL12011185 Copyright Insurance Services Office Inc. 1983 Copyright ISO Commercial Risk Services Inc. 1983 Page 1 of 1 m | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SERVICE OF SUIT CLAUSE This endorsement modifies insurance provided under the following ALL COVERAGE PARTS IN THIS POLICY We appoint the highest State official in charge of insurance affairs Commissioner of Insurance Director of Insurance Insurance Commissioner Executive Secretary Superintendent of Insurance or such other official title as designated by the State of the State of Nevada and his successor or successors in office as his and their duly authorized deputies as our true and lawful attorney in and for the aforesaid State upon whom all lawful process may be served in any action suit or proceeding instituted in the said State by or on behalf of any insured or beneficiary against us arising out of this insurance policy provided a copy of any process suit complaint or summons is sent by certified or registered mail to Stephen Ries Esquire Penn Star Insurance Company Three Bala Plaza East Suite 300 Bala Cynwyd PA 19004 EAA230 022015 Page 1 of 1 | 2 |
In Witness Clause In Witness Whereof we have caused this policy to be executed and attested and if required by state law this policy shall not be valid unless countersigned by our authorized representative. SN Secretary Executive Vice President EAA100 012012 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TERRORISM EXCLUSION This endorsement modifies insurance provided under the following ALL PARTS OF THE POLICY Notwithstanding any other provision of this policy to the contrary this insurance does not apply to any loss cost expense damage injury or economic detriment whether arising by contract operation of law or otherwise whether or not concurrent or in any sequence with any other cause or event that in any way form or manner directly or indirectly arises out of results from or is caused by terrorism and also including any action taken in hindering or defending against terrorism. Terrorism means any act of force or violence or other illegal means whether actual alleged or threatened by any person persons group private or governmental entity or entities or any other type of organization of any nature whatsoever whether the identity of which is known or unknown that appears to be for political religious racial ethnic ideological ecological or social purposes objectives or motives and that causes or appears to be intended to cause 1. alarm fright fear of danger concern or apprehension for public safety 2. the interference or disruption of an electronic communication information or mechanical system 3. the intimidation or coercion of the civilian population or any governmental body or 4. the alteration of the policies foreign or domestic of any governmental body This exclusion does not affect the applicability of and is in addition to any exclusion of war warlike or military action whether or not specifically denominated as such. EAA146 122009 Page 1 of 1 | 2 |
Stock Company Stock COMMERCIAL GENERAL LIABILITY COVERAGE PART P I IDA DECLARATIONS POLICY NUMBERPAV0005257 1. NAMED INSURED WS DYNOCO PETROLEUM MANAGEMENT LLCPER FORM IL1201 2. LIMITS OF INSURANCE INSURANCE APPLIES ONLY FOR COVERAGE FOR WHICH A LIMIT OF INSURANCE IS SHOWN. General Aggregate Limit Other than Products Completed Operations 2000000 Products Completed Operations Aggregate Limit 2000000 Each Occurrence Limit 1000000 Personal Advertising Injury Limit 1000000 Damage to Premises Rented to You Limit 100000 any one premises Medical Expense Limit 5000 any one person 3. LOCATIONS of all premises you Own Rent or Occupy Address City State Zip No. 1 1 3685 N. Moapa Valley Bvd. Logandale NV 89021 PREMIUM BASIS RATES ADVANCE PREMIUM 4 cLAss Code Exposure Prod CO All Other Prod CO AllOther If Classifications are Numbered the coverage applies o the corresponding Location No. No. 1 Bldg 1 13454 0 793707 0.268 3.499 213.00 2777.00 Gasoline Stations self service No. 1 Bldg 1 13673 s 1671176 0.042 2.355 70.00 3936.00 Grocery Stores No. 1 Bldg 1 10368 s 15283 Incl 17.588 Included 269.00 Car Washes self service No. 1 Bldg 1 61217 a 4000 Incl 71.658 Included 287.00 Buildings or Premises bank or office mercantile or manufacturing maintained by the insured lessor s risk onlyOther than Not For Profit No. 1 Bldg 1 e 2 Incl 50.000 Included 100.00 Additional Insured If Classifications are Numbered the coverage applies to the corresponding Location No. TOTAL 19870.00 s gross sales per 1000 c total cost per 1000 m admissions per 1000 e each p payroll per 1000 2 area per 1000 sq. ft. 1 units other 5. Policy may be AUDITABLE t see classification notes in company or ISO Commercial Lines Manual SPECIFIC GENERAL LIABILITY FORMS ENDORSEMENTS As per S1007 12 00 This page alone does not provide coverage and must be attached to a Commercial Lines Common Policy Declarations Common Policy Conditions Coverage Part Coverage Forms and any other applicable forms and endorsements. 52000 0601 Page 1 of 1 | 2 |
Stock Company x COMMERCIAL GENERAL LIABILITY COVERAGE PART I ID SUPPLEMENTAL DECLARATIONS Gr up POLICY NUMBER PAV0005257 NAMED INSURED WS Dynoco Petroleum Management LLCPer form IL1201 NO. LOCATIONS of all premises you Own Rent or Occupy 2 1 2300 E Glendale Blvd Moapa NV 89025 CLASS PREMIUM BASIS. Code Exposure e 1 RATES Prod CO All Other INCL 150.000 ADVANCE PREMIUM Prod CO All Other Included 150.00 CLASS Bldg 1 Non Owned Auto Liability nan nan nan nan 200.0 Bidg 1 Employee Benefits Liability Coverage INCL nan nan nan nan 200.0 Included nan nan nan nan 290.0 Bldg 1 45192 s 42059 Hotels and Motels without pools or beaches less than four stories Incl nan nan nan nan 6.886 Included nan nan nan nan 554.0 Bldg 1 16900 s 51510 0.630 Restaurants with no sale of alcoholic beverages with table service nan nan nan nan 10.75 nan nan nan nan 32.0 4629.00 nan nan nan nan 355.0 nan nan nan nan 3.499 Bldg 1 13454 Gasoline Stations self service nan nan nan nan 1322846.0 nan nan nan nan 0.268 Total Premium This Page See Form 2000 Accumulative Total for Total Premium m admissions per 1000 each u units s gross sales per 1000 c total cost per 1000 m admissions per 1000 each p payroll per 1000 a area per 1000 sq. ft. u units Policy may be AUDITABLE SPECIFIC GENERAL LIABILITY FORMS ENDORSEMENTS This page alone does not provide coverage and must be attached to a Commercial Lines Common Policy Declarations Common Policy Conditions Coverage Part Coverage Forms and any other applicable forms and endorsements. S2001 10 2013 Page 2 of 3 | 2 |
Stock Company x COMMERCIAL GENERAL LIABILITY COVERAGE PART I ID SUPPLEMENTAL DECLARATIONS Group 5 X POLICY NUMBER PAV0005257 NAMED INSURED WS Dynoco Petroleum Management LLCPer form IL1201 NO. LOCATIONS of all premises you Own Rent or Occupy CLASS Bldg 1 13673 Grocery Stores PREMIUM BASIS. Code Exposure s 2506764 RATES Prod CO All Other 0.042 2.355 ADVANCE PREMIUM Prod CO All Other 105.00 5903.00 Total Premium This Page See Form 2000 Accumulative Total for Total Premium m admissions per 1000 each u units s gross sales per 1000 c total cost per 1000 m admissions per 1000 each p payroll per 1000 a area per 1000 sq. ft. u units Policy may be AUDITABLE SPECIFIC GENERAL LIABILITY FORMS ENDORSEMENTS This page alone does not provide coverage and must be attached to a Commercial Lines Common Policy Declarations Common Policy Conditions Coverage Part Coverage Forms and any other applicable forms and endorsements. S2001 10 2013 Page 3 of 3 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 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 lll Limits Of Insurance and Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. 3 2 CG 00010413 Insurance Services Office Inc. 2012 Page 1 0f 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. b This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a 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 is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b 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 c Which are or were at any time transported handled stored treated disposed of or processed as waste by orfor i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. iii CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured Liability assumed wunder any insured contract for the ownership maintenance or use of aircraft or watercraft or 4 5 Bodily injury or property damage arising out of a The operaton of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j. 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 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you b 3 2 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. 6. 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 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. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section lll Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. j Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. I. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 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 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. 2. 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 Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. f. Products Completed Operations Hazard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 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 250 for 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 furnish 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 250 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. Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract o. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit b 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 Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b c d c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. 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. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a 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 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. 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. CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over 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 ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner iii That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitted to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. 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. 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 Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or 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 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. 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.. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. lmpaired 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. 2 3 CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement 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 or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or 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 2 above and supervisory inspection architectural or engineering activities. 2 10.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. 11.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. 12.Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in 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. Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
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 vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your advertisement. 15.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. 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.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. 19.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. 20.Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product 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 organizaton whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
A Group 5 X MINIMUM EARNED PREMIUM CANCELLATIONS AND AUDITS It is hereby understood and agreed that in the event of cancellation of coverage by the insured. the minimum earned premium under this policy shall be 25 of the policy premium. It is further understood the minimum earned premium of this policy shall be. 100 of the policy premium if the policy is in effect for the full term and the audit shows a lower exposure than estimated. 1003 891 Page 1 of 1 | 2 |
COMBINED PROVISIONS ENDORSEMENT This endorsement modifies insurance provided under the following Commercial General Liability Coverage Part. Commercial Professional Liability Coverage Part Liquor Liability Coverage Form In consideration of the premium charged it is agreed that the following special provisions apply to this policy. PUNITIVE DAMAGES EXCLUSION It is part of the conditions of this policy that the Company shall not be liable for any damages awarded against an insured as punitive or exemplary damages. ASBESTOS EXCLUSION In consideration of the premium charged it is hereby understood and agreed that this policy will not provide coverage meaning indemnification or defense costs arising out of A Asbestos or any asbestos related bodily injury or property damage or Any alleged act error omission or duty involving asbestos its use exposure presence existence detection removal elimination transportation disposal or avoidance or The use exposure presence existence detection removal elimination or avoidance of asbestos in any environment building or structure. e EARTH MOVEMENT EXCLUSION In consideration of the premium charged it is understood and agreed that this policy specifically excludes and does not extend to or provide coverage or indemnity for any claim of liability for bodily injury or property damage caused by resulting from attributable or contributed to or aggravated by the subsidence or movement of land as a result of earthquake landslide mudflow earth sinking or shifting resulting from aggravated by or contributed to by operations of the named insured or any subcontractor of the named insured. 2002 0802 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LEAD CONTAMINATION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL UMBRELLA LIABILITY COVERAGE PART In consideration of the premium charged it is hereby understood and agreed that this policy will not provide coverage meaning indemnification or defense costs arising out of Bodily Injury Property Damage Personal Injury Advertising Injury Medical Payments or any other damages because of liability alleged liability or occurrence resulting from caused by arising out of or in any way connected with The existence of lead the removal of lead the testing for lead or exposure to lead in any form which is or has at any time been present in on or near the insured s premises or at any location at which the insured is working or has worked in connection with such existence. removal or testing. 1 Whether or not caused by at the instigation of or with the direct or indirect involvement of the insured the insured s employees or other persons on the insured s premises or work site or 2 Whether or not caused by or arising out of the insured s failure to properly supervise or keep the work site in a safe condition. S2033 032014 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HIRED AUTO AND NON OWNED AUTO LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Insurance is provided only with respect to those coverages for which a specific Limit of Liability and Premium are shown Coverage Limit of Liability Premium Non Owned Auto Liability 1000000 150 Hired Auto Liability NOT COVERED NOT COVERED General Aggregate Limit 1000000 If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. HIRED AUTO LIABILITY The insurance provided under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY SECTION I COVERAGES applies to bodily injury or property damage arising out of the maintenance or use of a hired auto by you or your employees in the course of your business. B. NON OWNED AUTO LIABILITY The insurance provided under COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY SECTION I COVERAGES applies to bodily injury or property damage arising out of the use of a non owned auto by any person other than you in the course of your business. C. With respect to all Coverages provided by this endorsement 1. Subparagraphs b. c. e. g. h. j. k. I m. and n. of paragraph 2. Exclusions of COVERAGE A BODI LY INJURY AND PROPERTY DAMAGE LIABILITY SECTION I COVERAGES do not apply. 2. The following exclusions are added to paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY SECTION I COVERAGES This insurance does not apply to a. Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. b. 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 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay the damages be cause of the injury. lerage 2045 10 2014 Includes copyrighted material of ISO Commercial Risk Services Inc. with its permission. Copyright ISO Commercial Risk Services Inc. Page 1 of 3 | 2 |
This exclusion does not apply to 1 Liability assumed by the insured under an insured contract or 2 Bodily Injury to domestic employees not entitled to workers compensation benefits. c. Property damage to 1 Property owned or being transported by or rented or loaned to the insured or 2 Property in the care custody or control of the insured. D. WHO IS AN INSURED SECTION II WHO IS AN INSURED is deleted with respect to all Coverages provided under this endorsement and replaced by the following 1. Each of the following is an insured under this insurance to the extent set forth below a. You. b. Any other person using a hired auto with your permission. c. With respect to a non owned auto any partner or executive officer of yours but only while such non owned auto is being used in your business. d. Any other person or organization but only with respect to their liability because of acts or omissions of an insured under paragraphs 1. 2. or 3. above. of the following is an insured a. Any person engaged in the business of his or her employer with respect to bodily injury to any co employee of such person injured in the course of employment b. Any partner or executive officer with respect to any auto owned by such partner or officer or a member of his or her household c. Any person while employed in or otherwise engaged in performing duties related to the conduct of an auto business other than an auto business you operate d. The owner or lessee of whom you are a sublessee of a hired auto or the owner of a non owned auto or any agent or employee of any such owner or lessee e. Any person or organization with respect to the conduct of any current or past partnership or joint ven ture that is not shown as a Named Insured in the Declarations. E. For the purposes of this endorsement only the following is added to the definition of Insured Contract in SECTION V DEFINITIONS g. That part of any contract or agreement entered into as part of your business pertaining to the rental or lease by you or any of your employees of any auto. However such contract or agreement shall not be considered an insured contract to the extent that it obligates you or any of your em ployees to pay for property damage to any auto rented or leased by you or any of your employ ees. F. For the purposes of this endorsement only the following definitions are added to the SECTION V DEFINITIONS 1. Auto business means the business or occupation of selling repairing servicing storing or parking au tos. Hired auto means any auto you lease hire rent or borrow. This does not include any auto you lease hire rent or borrow from any of your employees your partners or your executive officers or members of their households. Non owned auto means any auto you do not own lease hire rent or borrow which is used in connec tion with your business. This includes autos owned by your employees your partners or your execu 2045 10 2014 Includes copyrighted material of ISO Commercial Risk Services Inc. with its permission. Copyright ISO Commercial Risk Services Inc. Page 2 of 3 | 2 |
tive officers or members of their households but only while used in your business or your personal af fairs. G. LIMITS OF INSURANCE FOR HIRED AUTO AND NON OWNED AUTO LIABILITY With respect to HIRED AUTO AND NON OWNED AUTO LIABILITY only SECTION Ill LIMITS OF IN SURANCE is deleted and replaced by the following 1. Regardless of the number of hired autos non owned autos insureds premiums paid claims made or vehicles involved in the accident the most we will pay for all damages resulting from any one accident is the General Aggregate Limit shown in this endorsement. 2. Any amount paid by or for anyone legally responsible for an accident will reduce only the amount of damages to be paid and does not reduce our limit of insurance. 3. Any amount paid under this insurance will reduce any amount an insured may be paid under COVER AGE A SECTION COVERAGES. 2045 10 2014 Includes copyrighted material of ISO Commercial Risk Services Inc. with its permission. Copyright ISO Commercial Risk Services Inc. Page 3 of 3 | 2 |
EMPLOYEE BENEFITS LIABILITY COVERAGE This endorsement modifies insurance provided under the following Commercial General Liability Coverage Part In addition to words and phrases contained in the Commercial General Liability Coverage Form other words and phrases that appear in quotation marks have special meaning. Refer to Paragraph E. ADDITIONAL DEFINITIONS of this endorsement. The definitions of words and phrases coverage territory insured and suit contained in Paragraph E. apply in place of their definitions stated elsewhere in the policy but only as respects coverage under this endorsement. The provisions of this endorsement apply only as respects Employee Benefit Liability Coverage afforded hereunder. SCHEDULE COVERAGE ADVANCE PREMIUM Employee Benefits Programs 1000000 each employee 200.00 1000000 aggregate A. COVERAGE 1. Insuring Agreement 2. Exclusions We will pay those sums that the insured becomes legally obligated to This insurance does not apply to pay as damages because of any negligent act error or omission of the insured or of any other person for whose acts the insured is a. Loss arising our of any dishonest fraudulent criminal or legally liable. The negligent act error or omission must be malicious act or omission committed by any insured committed in the administration of your employee benefit program during the policy period. No other obligation or liability to pay sums b. Bodily injury or property damage or personal injury or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS of this endorsement. c. Loss arising out of failure of performance of contract by an insurer The negligent act error or omission must take place in the coverage territory. We will have the right and duty to defend any suit d. Loss arising out of an insufficiency of funds to meet any seeking those damages. But obligations under any plan included in the employee benefit program a. The amount we will pay for damages is limited as described in Paragraph C. LIMITS OF INSURANCE. e. Any claim or sit based upon b. We may at our discretion investigate any report of a negligent 1 failure of any investment to perform as represented by act error or omission and settle any claim or suit that may any insured or result and 2 advice given to any person to participate or not to c. Tender of policy limits does not release the company of its duty participate in any plan included in the employee benefit to defend. program. f. Loss arising out of your failure to comply 20531197 Page 10f 3 | 2 |
with the mandatory provisions of any law concerning workers 2. compensation unemployment insurance social security or disability benefits a Loss for which the insured is liable because of liability imposed on a fiduciary by the Employee Retirement Security Act of 1974 as now or hereafter amended or b. Loss or damage for which benefits have accrued under the terms of an employee benefit plan to the extent that such benefits are available from funds accrued by the insured for such benfits or from collectible insurance notwithstanding the insured s act error or 3. omission in administering the plan which precluded the claimant from Each of the following is also an insured Each of your partners executive officers and employees who is authorized to administer your employee benefit program. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this endorsement. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over receiving such benefits. Supplementary Payments We will pay with respect to any claim or suit we defend which you maintain ownership or majority interest will be deemed to be a Named Insured if there is no similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90 t a. Allexpenses we incur. day after you acquire or form the organization or the end of b. The cost of bonds to release attachments but only for bond the policy period whichever is earlier amounts within the applicable limit of insurance. We do not b. Coverage under this provision does not apply to any have to furnish these bonds. negligent act error or omission that occurred before you c. Allreasonable expensed incurred by the insured at our request acquired or formed the organization. to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 100 a day because of No person or organization is an insured with respect to the time off from work. conduct of any current or past partnership or joint venture that is d. Al costs taxed against the insured in the suit. not shown as a Named Insured in the Declarations. e. Pre judgment interest awarded against the insured on that part of the judgment we pay. Allinterest on the full amount of any judgement 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. B.WHO IS AN INSURED If you are designated in the Declarations as a. Anindividual you and your spouse are insureds but only with respect to the conduct of a business 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. Alimited 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. Anorganization 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. C. LIMITS OF INSURANCE The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of Insureds Claims made or suits brought Persons or organizations making claims or bringing suits Acts errors or omissions which result in loss or Plans included in your employee benefit program. oo o The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions committed in the administration of your employee benefit program. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including the employee s dependents and beneficiaries because of acts errors or omissions committed in the administrations of your employee benefit program. If the policy period is for a term in excess of one year the Aggregate Limit of Insurance shall apply separately to each consecutive annual period. y claim or suit we defend ase attachments but only for bond able limit of insurance. We do not ds. incurred by the insured at our request ation or defense of the claim or suit mings up to 100 a day because of insured in the suit. arded against the insured on that part whlch you maint to be a Named that organizatior a. Coverage L day after yc the policy p b. Coverage L negligent a acquired or No person or or conduct of any notshownasal ent that is within Lt antiire unll are an inelired Valir 20531197 Page 2 of 3 | 2 |
D. DEDUCTIBLE Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of 1000 deductible applicable to Each Employee. The limit of insurance applicable to Each Employee will be reduced by the amount of this deductible. The Aggregate Limit shall not be reduced by the application of such deductible amount. The deductible amount applies to all damages sustained by an employee because of an act error or omission covered by this insurance. The terms of this insurance including those with respect to a. Ourrightand duty to defend any suits seeking those damages and b. Your duties in the event of an act error or omission claim or suit apply irrespective of the application of the deductible amount. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon nofification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. E. ADDITIONAL DEFINITIONS Administration means a. Counseling employees including their dependents and beneficiaries with respect to the employee benefit program b. Handling records in connection with the employee benefit program or c. Effecting or terminating any employee s participation in a plan included in the employee benefit program. Coverage territory means the United States of America including its territories and possessions Puerto Rico and Canada. Employee benefit program means the following plans a. Group life insurance group accident or health insurance profit sharing plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such insurance or plans b. Unemployment insurance social security benefits workers compensation and disability benefits c. Any other similar plan designated in the Schedule or added thereto by endorsement. 4. Insured means any person or organization qualifying as such under Paragraph B. WHO IS AN INSURED. 5. Profit sharing plans means only such plans that are equally available to all full time employees. 6. Stock subscription plans means only such plans that are equally available to all full time employees. 7. Suit means a civil proceeding in which damages because of an act error or omission to which this insurance applies are alleged. Suit includes an arbitration proceeding alleging such damages to which you must submit with our consent. F. ADDITIONAL CONDITION Item 2. Duties In The Event of Occurrence Claim or Suit Paragraphs a.and b. of Section IV Commercial General Liability Coverage Form are inapplicable to this endorsement and replaced by the following 2. Duties in the Event of Act Error or Omission Claim or Suit. a. Youmust see to it that we are notified as soon as practicable of an act error or omission which may result in a claim. Notice should include 1 What the act error or omission was and when it occurred 2 The names and addresses of any employees who may suffer damages as a result of the act error or omission. b. Ifaclaimis received by any insured you must 1 Immediately record the specifics of the claim and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim as soon as practicable. 20531197 Page 3 of 3 | 2 |
COMMERCIAL GENERAL LIABILITY CG 200804 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED USERS OF GOLFMOBILES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section Il Who Is An Insured is amended to B. For the purposes of this endorsement golfmobile include as an additional insured any persons means a motorized conveyance that is using or legally responsible for the use of 1. Designed to carry up to four persons on a golf golfmobiles loaned orvrented to others by you or course for the purpose of playing golf and any of your concessionaires but only for their liability arising out of the use of the golfmobiles. 2. Not built or modified after manufacture to exceed a speed of 25 miles per hour on level ground. CG 2008 04 13 Insurance Services Office Inc. 2012 Page 1 0of 1 | 2 |
POLICY NUMBER PAV0005257 POLICY NUMBER PAV0005257 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE SCHEDULE Coverage Bodily Injury Liability OR Property Damage Liability OR Bodily Injury Liability andor Property Damage Liability Combined Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE 500 500 If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury and property damage however caused Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE 500 500 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as appli cable to such coverages. B. You may select a deductible amount on either a per claim or a per occurrence basis. Your se lected deductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above applies as follows 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis that deductible applies as follows a. Under Bodily Injury Liability Coverage to all damages sustained by any one person because of bodily injury b. Under Property Damage Liability Cover age to all damages sustained by any one person because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages sustained by any one person because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence. If damages are claimed for care loss of serv ices or death resulting at any time from bodily injury a separate deductible amount will be applied to each person making a claim for such damages. With respect to property damage person in cludes an organization. CG 03 00 01 96 Copyright Insurance Services Office Inc. 1994 Page 1 of 2 m | 2 |
2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a per occurrence basis that deductible amount applies as follows a. Under Bodily Injury Liability Coverage to all damages because of bodily injury b. Under Property Damage Liability Cover age to all damages because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence regard less of the number of persons or organizations who sustain damages because of that occurrence. C. The terms of this insurance including those with respect to 1. Our right and duty to defend the insured against any suits seeking those damages and 2. Your duties in the event of an occurrence claim or suit apply irrespective of the application of the de ductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. Page 2 of 2 Copyright Insurance Services Office Inc. 1994 CG 03 000196 u | 2 |
POLICY NUMBER PAV0005257 POLICY NUMBER PAV0005257 COMMERCIAL GENERAL LIABILITY CG 20280413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations IAmerigas Propane 3807 S. 1600 E Circle 7 B Saint George UT 84790 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your maintenance operation or use of equipment leased to you by such persons or organizations. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds this insurance does not apply to any occurrence which takes place after the equipment lease expires. C. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. nerigas Propane 07 S. 1600 E Circle 7 B Saint George UT 84790 CG 20280413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AUTO EXCLUSION THIS ENDORSEMENT CHANGES THE POLICY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Aircraft Auto Or Watercraft is deleted in its entirety and replaced with the following This insurance does not apply to Bodily injury or property damage arising out of the ownership maintenance or use by any person or entrustment to others of any aircraft auto or watercraft. 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 an aircraft auto or watercraft. Use includes operation and loading or unloading. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Bodily injury or property damage arising out of the operation of any of the equipment listed in paragraph f.2 or f.3 of the definition of mobile equipment. 2113 1007 Page 1 of 1 | 2 |
POLICY NUMBER pav0005257 POLICY NUMBER pav0005257 COMMERCIAL GENERAL LIABILITY CG 20290413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED GRANTOR OF FRANCHISE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Persons Or Organizations Treasure Franchise Company LLC Tesoro Refining Marketing Company LLC BP West Coast Products LLC ic o AMCS P.O. Box 129 Conway AR 72033 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to their liability as grantor of a franchise to you. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. AMCS P.O. Box 129 Conway AR 72033 CG 20290413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER PAV0005257 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ATHLETIC OR SPORTS PARTICIPANTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. SCHEDULE Description of Operations Gas Station Convenience Store Car Wash Motel Restaurant Lessor s Risk Only If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to any operations shown in the Schedule this insurance does not apply to bodily injury to any person while practicing for or participating in any sports or athletic contest or exhibition that you sponsor. CG21011185 Copyright Insurance Services Office Inc. 1984 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21070514 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY LIMITED BODILY INJURY EXCEPTION NOT INCLUDED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A B. The following is added to Paragraph 2. Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to p. Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. CG 21070514 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 210906 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNMANNED AIRCRAFT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.g. Aircraft Auto Or Watercraft under This Paragraph g.2 applies even if the Section Coverage A Bodily Injury And claims against any insured allege Property Damage Liability is replaced by the negligence or other wrongdoing in the following supervision hiring employment training 2. Exclusions or monitoring of others by that insured if o the occurrence which caused the This insurance does not apply to bodily injury or property damage g. Aircraft Auto Or Watercraft involved the ownership maintenance use or entrustment to others of any 1 Unmanned Alrcraft aircraft other than unmanned aircraft Bodily injury or property damage auto or watercraft that is owned or arising out of the ownership operated by or rented or loaned to any maintenance use or entrustment to insured. others of any aircraft that is an unmanned aircraft. Use includes This Paragraph g.2 does not apply to operation and loading or unloading. a A watercralt while ashore on This Paragraph g.1 applies even if the premises you own or rent claims against any insured allege b A watercraft you do not own that is negligence or other wrongdoing in the i Less than 26 feet long and supervision hiring employment training or monitoring of others by that insured if ii Not being used to carry persons the occurrence which caused the or property for a charge bodily injury or property damage c Parking an auto on or on the ways involved the ownership maintenance next to premises you own or rent use or entrustment to others of any provided the auto is not owned by aircraft that is an unmanned aircraft. or rented or loaned to you or the 2 Aircraft Other Than Unmanned insured Aircraft Auto Or Watercraft d Liability assumed under any insured contract for the ownership Bodily injury or property damage y iy property 2 maintenance or use of aircraft or arising out of the ownership maintenance use or entrustment to watercraft or others of any aircraft other than unmanned aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This Paragraph g.2 applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft other than unmanned aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This Paragraph g.2 does not apply to a A watercraft while ashore on premises you own or rent b A watercraft you do not own that is i Less than 26 feet long and ii Not being used to carry persons or property for a charge c Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or d CG 2109 06 15 Insurance Services Office Inc. 2014 Page 1 of 2 | 2 |
e Bodily injury or property damage arising out of i The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or ii The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipment. B. The following exclusion is added to Paragraph 2. Exclusions of Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Unmanned Aircraft Personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the offense which caused the personal and advertising injury involved the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. This exclusion does not apply to a. The use of another s advertising idea in your advertisement or b. Infringing upon another s copyright trade dress or slogan in your advertisement. C. The following definition is added to the Definitions section Unmanned aircraft means an aircraft that is not 1. Designed 2. Manufactured or 3. Modified after manufacture to be controlled directly by a person from within or on the aircraft. Page 2 of 2 Insurance Services Office Inc. 2014 CG 2109 06 15 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 CG 21471207 ISO Properties Inc. 2006 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 21500413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF LIQUOR LIABILITY EXCLUSION COMMERCIAL GENERAL LIABILITY COVERAGE PART The following replaces Exclusion c. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises for consumption on your premises The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or 2 3 This endorsement modifies insurance provided under the following b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic beverages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Is for the purpose of financial gain or livelihood 3 Serve or furnish alcoholic beverages without a charge if a license is required for such activity or 4 Permit any person to bring any alcoholic beverages on your premises for consumption on your premises. b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic beverages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Is for the purpose of financial gain or livelihood 3 Serve or furnish alcoholic beverages without a charge if a license is required for such activity or 4 Permit any person to bring any alcoholic beverages on your premises for consumption on your premises. CG 21500413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21 55 09 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION WITH A HOSTILE FIRE EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under Paragraph 2. Exclusions of Sec tion Coverage A Bodily Injury And Property Damage Liability is replaced by the following This insurance does not apply to f. Pollution 1 Bodily injury or property damage which would not have occurred in whole or part but for the actual alleged or threatened discharge dispersal seepage migration release or es cape of pollutants at any time. This exclusion does not apply to bodily injury or property damage arising out of heat smoke or fumes from a hostile fire unless that hostile fire occurred or originated a At any premises site or location which is or was at any time used by or for any insured or others for the handling storage dis posal processing or treatment of waste or b At any premises site or location on which any insured or any contractors or subcon tractors working directly or indirectly on any insured s behalf are performing operations to test for monitor clean up remove contain treat detoxify 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 b 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 Claim or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up remov ing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. CG 21 55 09 99 Copyright Insurance Services Office Inc. 1998 Page 1 of 1 m | 2 |
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