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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 LIABILITYWITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE 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. ILT414 0115 2015 The Travelers Indemnity Company. All rights reserved. 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. The act is 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 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 2015 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT CALIFORNIA CHANGES REPLACEMENT COST IL F1.0006 13 This endorsement modifies insurance provided under the following COMMERCIAL PROPERTY COVERAGE PART DELUXE PROPERTY COVERAGE PART A. An open policy is a policy under which the value of Covered Property is not fixed at policy incep tion but is determined at the time of loss in ac cordance with policy provisions on valuation. The term open policy does not apply to Covered Property that is subject to an Agreed Value clause or similar clause that establishes an agreed value prior to loss unless such clause has expired.. Under an open policy when the Replacement Cost Optional Coverage Replacement Cost is shown as applicable in the Declarations that Coverage is replaced by the following Replacement Cost 1. Replacement Cost without deduction for de preciation replaces Actual Cash Value in the Loss Condition Valuation of the applicable Coverage Form. 2. This Optional Coverage does not apply to a. Personal property of others b. Contents of a residence c. Works of art antiques or rare articles in cluding etchings pictures statuary mar bles bronzes porcelains and bric a brac or d. Stock unless the Including Stock op tion is shown in the Declarations. Under the terms of this Replacement Cost Optional Coverage tenants improvements and betterments are not considered to be the personal property of others. 3. We will not pay on a replacement cost basis for any loss or damage until the lost or dam aged property is actually repaired or replaced. Prior to such repair or replacement and in accordance with the terms of the applicable Loss Payment conditions in this policy we will pay the actual cash value of the lost or dam aged property as described in Paragraph 4. below. If the actual cash value does not ex 2013 The Travelers Indemnity Company. All Includes copyrighted material of Insurance Services Office haust the applicable Limit of Insurance we will then pay the difference between the ac tual cash value and the replacement cost provided that the repair or replacement is completed a. Within 12 months after our payment of the actual cash value or b. Within 24 months after our payment of the actual cash value if the loss or dam age relates to a state of emergency as described in Section 8558 of the Gov ernment Code unless we extend the time period for good cause. The foregoing provisions do not constitute a waiver of our right to deny the claim for any valid reason or to restrict payment in cases of suspected fraud. Actual cash value is determined as follows a. In the event of a total loss to a building or structure actual cash value is calculated as the Limit of Insurance applicable to that building or structure or the fair market value of the building or structure which ever is less. b. In the event of a partial loss to a building or structure actual cash value is calcu lated as b.1. or b.2. whichever is less 1. The amount it would cost to repair rebuild or replace the property less a fair and reasonable deduction for physical depreciation of the compo nents of the building or structure that are normally subject to repair or re placement during its useful life. Physical depreciation is based upon the condition of the property at the time of the loss 2. The Limit of Insurance applicable to the property. Page 1 of 2 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
c. In the event of a partial or total loss to Covered Property other than a building or structure actual cash value is calculated as c.1. or.2. whichever is less 1. The amount it would cost to repair or replace the property less a fair and reasonable deduction for physical depreciation based on the condition of the property at the time of loss 2. The Limit of Insurance applicable to the property. With respect to tenants improvements and betterments the following also apply a. If the property is not repaired or replaced the value of tenants improvements and betterments will be determined as a pro portion of your original cost as set forth in the Valuation Condition of the applicable Coverage Form. b. We will not pay for loss or damage to tenants improvements and betterments if others pay for repair or replacement. We will not pay more for loss or damage on a replacement cost basis than the least of a. b. or c. subject to 7. below a. The Limit of Insurance applicable to the lost or damaged property b. The cost to replace the lost or damaged property with other property 1. Of comparable material and quality and 2. Used for the same purpose or c. The amount actually spent that is neces sary to repair or replace the lost or dam aged property. If a building is rebuilt at a new premises the cost described in 6.b. above is limited to the cost which would have been incurred if the building had been rebuilt at the original prem ises. The cost of repair or replacement does not include the increased cost attributable to en forcement of any ordinance or law regulating the construction use or repair of any prop erty. C. Extension Of Replacement Cost To Personal Property Of Others 1. Under an open policy when the Replace ment Cost Optional Coverage Replacement Cost is shown as applicable in the Declara tions then this Extension may also be shown as applicable. If the Declarations show this Extension as applicable then Paragraph B.2.a. of the Replacement Cost Optional Cov erage Replacement Cost is deleted and all other provisions of the Replacement Cost Op tional Coverage Replacement Cost apply to replacement cost on personal property of others With respect to replacement cost on the per sonal property of others the following limita tion applies If an items of personal property of others is subject to a written contract which governs your liability for loss or damage to that items then valuation of that items will be based on the amount for which you are liable under such contract but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance. IL F1 0006 13 Page 2 of 2 2013 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following 1. COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. 2 B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization.. Under any Liability Coverage to bodily in jury or property damage resulting from hazardous properties of nuclear mater if 1 The nuclear material a is at any clear facility owned by or operated b on behalf of an insured or b has b discharged or dispersed therefrom The nuclear material is containec spent fuel or waste at any time sessed handled used proces stored transported or disposed of b on behalf of an insured or The bodily injury or property damz arises out of the furnishing by an sured of services materials parts equipment in connection with the p ning construction maintenance op tion or use of any nuclear facility b such facility is located within the Un States of America its territories or sessions or Canada this exclusion applies only to property damage to s nuclear facility and any property ther As used in this endorsement Hazardous properties includes radioactive t or explosive properties. Nuclear material means source material cial nuclear material or by product material. Source material special nuclear material by product material have the meanings g them in the Atomic Energy Act of 1954 or in law amendatory thereof. Spent fuel means any fuel element or fuel ponent solid or liquid which has been use exposed to radiation in a nuclear reactor. 3 to bodily in nsured under d under a nu issued by Nu ance Associa Liability Un e Association uccessors or any such pol on exhaustion us properties jith respect to rganization is ial protection nergy Act of ory thereof or this policy not tled to indem of America or ny agreement ed States of reof with any coverage to to bodily in us properties ng out of the Oy any person to bodily in esulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. 2 3 ISO Properties Inc. 2007 Page 1 of 2 IL 00 21 09 08 | 2 |
the total amount of such material in the custody of the insured at the premises where such equipment or device is lo cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation prem ises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time c Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under Colorado law.. Under the Commercial Automobile Coverage Part the term family member is replaced by the following and supersedes any other provisions to the contrary Family member means a person related to 1. The individual Named Insured by blood adoption marriage or civil union recognized under Colorado law who is a resident of such Named Insured s household including a ward or foster child 2. The individual named in the Schedule by blood adoption marriage or civil union rec ognized under Colorado 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 Individuals 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 fol lowing Family member means a person related to you by blood adoption marriage or civil union recog nized under Colorado law who is a resident of your household including a ward or foster child. 00V U IL01251113 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES DUTIES This endorsement modifies insurance provided under the following 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 The following is added to the Duties Condition 2. Any settlement of a claim made or suit We will notify the first Named Insured in writing of brought against the insured insured under 1. this coverage. The notice will be given not later than the 30th day after the date of the settlement. An initial offer to settle a claim made or suit brought against any insured insured under this coverage. The notice will be given not later than the 10th day after the date on which the offer is made. IL 01680312 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES CANCELLATION AND NONRENEWAL PROVISIONS FOR CASUALTY LINES AND COMMERCIAL PACKAGE POLICIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This endorsement also modifies insurance provided under the following when written as part of a Commercial Package Policy BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART GLASS COVERAGE FORM LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the CANCELLATION Common Policy Conditions Deluxe is replaced by the following 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation stating the reason for cancellation at least 10 days before the ef fective date of cancellation. The permissible reasons for cancellation are as follows a. If this policy has been in effect for 60 days or less we may cancel for any reason except that under the provisions of the Texas Insurance Code we may not cancel this policy solely because the policyholder is an elected official. b. If this policy has been in effect for more than 60 days or if it is a renewal or continuation of a policy issued by us we may cancel only for one or more of the following reasons 1 Fraud in obtaining coverage 2 Failure to pay premiums when due 3 An increase in hazard within the control of the insured which would produce an increase in rate 4 Loss of our reinsurance covering all or part of the risk covered by the policy or 5 If we have been placed in supervi sion conservatorship or receiver ship and the cancellation is ap proved or directed by the supervi sor conservator or receiver. B. The following condition is added and super sedes any provision to the contrary NONRENEWAL 1. We may elect not to renew this policy ex cept that under the provisions of the Texas Insurance Code we may not refuse to re new this policy solely because the policy holder is an elected official. If we elect not to renew this policy we may do so by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal ILF0 1903 98 Copyright Insurance Services Office Inc. 1995 Copyright ISO Commercial Risk Services Inc. 1995 Page 1 of 2 | 2 |
stating the reason for nonrenewal at least 60 days before the expiration date. If notice is mailed or delivered less than 60 days before the expiration date this policy will remain in effect until the 61st day after the date on which the notice is mailed or deliv ered. Earned premium for any period of coverage that extends beyond the expira tion date will be computed pro rata based on the previous years premium. If notice is mailed proof of mailing will be sufficient proof of notice. The transfer of a policyholder between admitted companies within the same insur ance group is not considered a refusal to renew. Page 2 of 2 Copyright Insurance Services Office Inc. 1995 Copyright ISO Commercial Risk Services Inc. 1995 IL FO 1903 98 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA CHANGES ACTUAL CASH VALUE This endorsement modifies insurance provided under the following COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART With respect to an open policy the following are added to any provision which uses the term actual cash value A. In the event of a total loss to a building or struc ture actual cash value is calculated as the lesser of the following 1. The Limit of Insurance applicable to that building or structure or 2. The fair market value of the building or struc ture. B. Inthe event of a partial loss to a building or struc ture actual cash value is calculated as the lesser of the following 1. The amount it would cost to repair rebuild or replace the property less a fair and reason able deduction for physical depreciation of the components of the building or structure that are normally subject to repair or replacement during its useful life. Physical depreciation is based upon the condition of the property at the time of the loss or C. 2. The Limit of Insurance applicable to the prop erty. In the event of a partial or total loss to Covered Property other than a building or structure actual cash value is calculated as the lesser of the fol lowing 1. The amount it would cost to repair or replace the property less a fair and reasonable de duction for physical depreciation based on the condition of the property at the time of loss or 2. The Limit of Insurance applicable to the prop erty. An open policy is a policy under which the value of Covered Property is not fixed at policy incep tion but is determined at the time of loss in ac cordance with policy provisions on valuation. The term open policy does not apply to Covered Property that is subject to an Agreed Value clause or similar clause that establishes an agreed value prior to loss unless such clause has expired. C. Page 1 of 1 ILF0 3209 11 2011 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
POLICY NUMBER P630 8J994632 PHX18 ISSUE DATE 10 23 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INSURER AMENDMENT ENDORSEMENT This endorsement modifies insurance provided under the following X indicates applicable X ALL COVERAGES INCLUDED IN THIS POLICY THE COVERAGES SHOWN IN THE SCHEDULE BELOW SCHEDULE OF INSURING COMPANIES State Insuring Coverages if All Coverages Included In This Policy is not applicable Company State Insuring Company CA TIL k PHX ILT3 0507 15 Page 1 of 2 2015 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with s permission. | 2 |
PROVISIONS For each respective state and coverage shown in the Schedule Of Insuring Companies the insuring company abbreviation shown in Item 4 of the Common Policy Declarations is replaced with the insuring company abbrevia tion shown in such schedule. If indicated in the State column of such schedule means all other applicable states and jurisdictions in the United States of America. The insuring company abbreviations are listed below with their corresponding insuring company. TIL Travelers Property Casualty Company of America TCT The Travelers Indemnity Company of Connecticut TIA The Travelers Indemnity Company of America COF The Charter Oak Fire Insurance Company IND The Travelers Indemnity Company PHX The Phoenix Insurance Company TLC The Travelers Lloyds Insurance Company Page 2 of 2 ILT30507 15 2015 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with s permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH CAROLINA EFFECTIVE TIME CHANGES This endorsement modifies the COMMON POLICY DECLARATIONS. The 1201 a.m. inception and expiration time of this policy is replaced by 12 noon standard time. To the extent that coverage in this policy other than that provided under the Commercial Property Coverage Part replaces coverage in other policies terminating 1201 a.m. standard time on the inception date of this policy coverage under this policy shall be effective from 1201 a.m. IL T9 06 09 87 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES NOTICE OF CLAIM OR SETTLEMENT This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PHARMACISTS PROFESSIONAL LIABILITY COVERAGE FORM VETERINARIANS PROFESSIONAL LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY EMPLOYEE BENEFITS LIABILITY PROVISIONS If a claim is made against you under a casualty policy we must notify you of the initial offer to compromise or settle the claim. We must do so within 10 business days after the date on which the offer is made. If a claim under a casualty policy is settled we must notify you within 30 days of the settlement. IL T9 56 04 93 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH CAROLINA STANDARD FIRE POLICY PROVISIONS This endorsement modifies insurance provided under the following DELUXE PROPERTY COVERAGE PART The provisions of the Standard Fire Policy are stated below. State law still requires that they be attached to all policies. If any conditions of this form are construed to be more liberal than any other policy conditions relating to the perils of fire lightning or removal the conditions of this form will apply. IN CONSIDERATION OF THE PROVISIONS AND STIPULATIONS HEREIN OR ADDED HERETO AND OF THE PREMIUM SPECIFIED in the Declarations or in endorsements made a part hereof this Company for the term of years specified in the Declarations from inception date shown in the Declarations At 1201 A.M. Standard Time to expiration date shown in the Declarations At 1201 A.M. Standard Time at location of property involved to an amount not exceeding the limit of liability specified in the Declarations does insure the Insured named in the Declarations and legal representatives to the extent of the actual cash value of the property at the time of loss but not exceeding the amount which it would cost to repair or replace the property with material of like kind and quality within a reasonable time after such loss without allowance for any increased cost of repair or reconstruction by reason of any ordinance or law regulating construction or repair and without compensa tion for loss resulting from interruption of business or manufacture nor in any event for more than the interest of the insured against all DIRECT LOSS BY FIRE LIGHTNING AND OTHER PERILS INSURED AGAINST IN THIS POLICY INCLUDING REMOVAL FROM PREMISES ENDANGERED BY THE PERILS INSURED AGAINST IN THIS POLICY EXCEPT AS HEREINAFTER PROVIDED to the property described in the Declarations while located or contained as described in this policy or pro rata for five days at each proper place to which any of property shall necessarily be removed for preservation from the perils insured against in this policy but not elsewhere. Assignment of this policy shall not be valid except with the written consent of this Company. This policy is made and accepted subject to the foregoing provisions and stipulations and those hereinafter stated which are hereby made a part of this policy together with such other provisions stipulations and agreements as may be added hereto as provided in this policy. Concealment fraud. This entire policy shall be void if whether before or after a loss the insured has willfully concealed or misrepresented any material fact or circumstance concerning this insurance or the subject thereof or the interest of the insured therein or in case of any fraud or false swearing by the insured relating there to. Uninsurable and excepted property. This policy shall not cover accounts bills currency deeds evidences of debt securities nor unless specifically named hereon in writing bullion or manuscripts. Perils not included. This Company shall not be li able for loss by fire or other perils insured against in this policy caused directly or indirectly by a enemy attack by armed forces including action taken by military naval or air forces in resisting an actual or an immediately impending enemy attack b invasion c insurrection d rebellion e revolution f civil war g usurped power h order of any civil authority except acts of destruction at the time of and for the purpose of preventing the spread of fire provided that such fire did not originate from any of the perils excluded by this policy i neglect of the insured to use all reasonable means to save and preserve the property at and after a loss or when the property is en dangered by fire in neighboring premises j nor shall this Company be liable for loss by theft. Other Insurance. Other insurance may be prohibited or the amount of insurance may be limited by endorsement attached hereto. IL T9 63 08 92 Copyright Insurance Services Office Inc. 1990 Copyright ISO Commercial Risk Services Inc. 1990 Page 1 of 3 | 2 |
Conditions suspending or restricting insurance. Unless otherwise provided in writing added hereto this Company shall not be liable for loss occur ring a while the hazard is increased by any means within the control or knowledge of the insured or b while described building whether intended for occupancy by owner or tenant is vacant or unoc cupied beyond a period of sixty consecutive days or c as a result of explosion or riot unless fire ensue and in that event for loss by fire only. Other perils or Any other peril to be insured subjects. against or subject of insur ance to be covered in this policy shall be by endorsement in writing hereon or added hereto. Added provisions. The extent of the application of insurance under this policy and of the contribution to be made by this Company in case of loss and any other provision or agreement not inconsistent with the provisions of this policy may be provided for in writing added hereto but no provision may be waived except such as by the terms of this policy is subject to change. Waiver provisions. No permission affecting this insurance shall exist or waiver of any provision be valid unless granted herein or expressed in writing added hereto. No provision stipulation or forfeiture shall be held to be waived by any requirement or proceeding on the part of this Company relating to appraisal or to any examination provided for herein. Cancellation of This policy shall be cancelled policy. at any time at the request of the insured in which case this Company shall upon demand and surrender of this policy refund the excess of paid premium above the customary short rates for the expired time. This policy may be cancelled at any time by this Com pany by giving to the insured a five days written notice of cancellation with or without tender of the excess of paid premium above the prorata premium for the expired time which excess if not tendered shall be refunded on demand. Notice of cancellation shall state that excess premium if not tendered will be refunded on demand. Mortgagee interests If loss hereunder is made and obligations payable in whole or in part to a designated mortgagee not named herein as the insured such interest in this policy may be cancelled by giving to such mortgagee a ten days written notice of cancellation. If the insured fails to render proof of loss such mortgagee upon notice shall render proof of loss in the form herein specified within sixty 60 days there after and shall be subject to the provisions hereof relating to appraisal and time of payment and of bringing suit. If this Company shall claim that no liability existed as to the mortgagor or owner it shall to the extent of payment of loss to the mortgagee be subrogated to all the mortgagee s rights of recovery but without impairing mortgagee s right to sue or it may pay off the mortgage debt and require an as signment thereof and of the mortgage. Other provisions relating to the interests and obligations of such mortgagee may be added hereto by agreement in writing. Pro rata liability. This Company shall not be li able for a greater proportion of any loss than the amount hereby insured shall bear to the whole insurance covering the property against the peril involved whether collectible or not. Requirements in The insured shall give imme case loss occurs. diate written notice to this Company of any loss pro tect the property from further damage forthwith separate the damaged and undamaged personal property put it in the best possible order furnish a complete inventory of the destroyed damaged and undamaged property showing in detail quantities costs actual cash value and amount of loss claimed and within sixty days after the loss unless such time is extended in writing by this Company the insured shall render to this Company a proof of loss signed and sworn to by the insured stating the knowledge and belief of the insured as to the follow ing the time and origin of the loss the interest of the insured and of all others in the property the actual cash value of each item thereof and the amount of loss thereto all encumbrances thereon all other con tracts of insurance whether valid or not covering any of said property any changes in the title use occupation location possession or exposures of said property since the issuing of this policy by whom and for what purpose any building herein described and the several parts thereof were oc cupied at the time of loss and whether or not it then stood on leased ground and shall furnish a copy of all the descriptions and schedules in all policies and if required verified plans and specifications of any building fixtures or machinery destroyed or damaged. The insured as often as may be reasonably required shall exhibit to any person designated by the Company all that remains of any property herein described and submit to examina tions under oath by any person named by this Com bl il Page 2 of 3 Copyright Insurance Services Office Inc. 1990 Copyright ISO Commercial Risk Services Inc. 1990 IL T9 63 08 92 | 2 |
pany and subscribe the same and as often as may be reasonably required shall produce for examina tion all books of account bills invoices and other vouchers or certified copies thereof if originals be lost at such reasonable time and place as may be designated by this Company or its representative and shall permit extracts and copies thereof to be made. Appraisal. In case the insured and this Company shall fail to agree as to the actual cash value or the amount of loss then on the written demand of either each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within twen ty days of such demand. The appraisers shall first select a competent and disinterested umpire and failing for fifteen days to agree upon such umpire then on request of the insured or this Company such umpire shall be selected by a judge of a court of record in the state in which the property covered is located. The appraisers shall then appraise the loss stating separately actual cash value and loss to each item and failing to agree shall submit their differences only to the umpire. An award in writing so itemized of any two when filed with this Company shall determine the amount of actual cash value and loss. Each appraiser shall be paid by the party selecting him and the expenses of appraisal and um pire shall be paid by the parties equally. Company s options. It shall be optional with this Company to take all or any part of the property at the agreed or appraised value and also to repair rebuild or replace the property destroyed or damaged with other of like kind and quality within a reasonable time on giving notice of its intention so to do within thirty days after the receipt of the proof of loss herein required. Abandonment. There can be no abandon ment to this Company of any property. When loss payable. The amount of loss for which this Company may be liable shall be payable sixty days after proof of loss as herein provided is received by this Company and ascertainment of the loss is made either by agree ment between the insured and this Company ex pressed in writing or by the filing with this Company of an award as herein provided. Suit. No suit or action on this policy for the recovery of any claim shall be sustainable in any court of law or equi ty unless all the requirements of this policy shall have been complied with and unless commenced within three years next after inception of the loss. Subrogation. This Company may require from the insured an assign ment of all right of recovery against any part for loss to the extent that payment therefor is made by this Company. IL T9 63 08 92 Copyright Insurance Services Office Inc. 1990 Copyright ISO Commercial Risk Services Inc. 1990 Page 3 0of 3 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CONCEALMENT MISREPRESENTATION OR FRAUD This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART The CONCEALMENT MISREPRESENTATION OR 1. Concealment or misrepresentation of a material FRAUD Condition is replaced by the following fact or CONCEALMENT MISREPRESENTATION OR 2. Fraud FRAUD committed by you or any other insured insured at We will not pay for any loss or damage in any case of any time and relating to coverage under this policy. IL T9 69 09 07 Page 1 of 1 Includes the copyrighted material of Insurance Services Office Inc. with its pemsission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES LEGAL ACTION AGAINST US This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART The following replaces the second paragraph of the Legal Action Aginst Us condition LEGAL ACTION AGAINST US Legal action against us involving direct physical loss or damage to property must be brought within 5 years from the date the loss occurs. ILT9 841094 Copyright Insurance Services Office Inc. 1993 Copyright ISO Commercial Risk Services Inc. 1993 Page 1 of 1 | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. PN T4 54 01 08 Page 1 of 1 | 2 |
IMPORTANT NOTICE PERIOD TO FILE A CLAIM OR BRING LEGAL ACTION AGAINST US WINDSTORM OR HAIL CATASTROPHE AREA TEXAS 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. In accordance with Texas Insurance Code Section 2301.010f we are notifying you that 1. With respect to loss or damage in the State of Texas caused by windstorm or hail in the catastrophe area as defined by Texas Insurance Code any claim must be filed with us not later than one year after the date of the loss or damage that is the subject of the claim except that a claim may be filed after the first anniversary of the date of the loss or damage for good cause shown by the person filing the claim and 2. Any legal action brought against us under the policy for loss or damage in the State of Texas caused by windstorm or hail in the catastrophe area as defined by the Texas Insurance Code must be brought within the earlier of the following a. Two years and one day from the date we accept or reject the claim or b. Three years and one day from the date of the loss or damage that is the subject of the claim. Page 1 of 1 PN T9 7003 13 2013 The Travelers Indemnity Company. All rights reserved. | 2 |
N TRAVELERS POLICYHOLDER NOTICE LEAD Dear Policyholder Lead has become a difficult problem for society as a whole and the insurance industry in particular. As a consequence we are attaching a lead exclusion to our liability policies based upon age and occupancy of buildings. Your policy contains this exclusion. If you have questions about your insurance program please contact your agent or local Company repre sentative. PN T194 08 94 Page 1 of 1 | 2 |
LOSS CONTROL SERVICES Notice to policy recipient If you are not the person directly responsible for the loss control activities for your company please direct this Loss Control notice to the person that is directly responsible for them. SAFETY IS OUR CONCERN Thank you for purchasing your insurance from one of the writing companies owned or managed by The Travelers Companies Inc. We appreciate your busi ness and welcome the opportunity to be of service. An important part of that service concerns safety and accident prevention. Travelers Risk Control depart ment has the experience resources and capabilities to provide a range of safety services including site surveys phone consultations and a wealth of safety related materials. We have experience in a variety of industries some of which include manufacturing wholesale and retail businesses service organizations technology related business oil and gas based business and the public sector. Following are some examples of available loss control services Accident Prevention Our staff can help you identify present and potential hazards in your operations premises and equipment and recommend measures for reducing or eliminating these hazards. Analysis of Accident Causes Although you inves tigate and keep records of accidents we are available to assist if needed. Safety Consultations Our Consultants can help you with special problems such as ergonomics and human factors. Industrial Hygiene Health Services We have the facilities and resources to answer your questions con cerning job related industrial hygiene health issues and to measure exposure to industrial hygiene haz ards. Safety Literature and Digital Media We can pro vide you with top notch safety related literature CDs DVDs and videos to assist in your loss control efforts. Also we can direct you to several vendors who are able to provide additional safety materials including brochures pamphlets and digital media. Safety Training We offer face to face classroom courses as well as distance learning programs that explore the risks our policyholders face and ways for them to control losses. Return To Work Coordination We can assist you with several aspects of the post injury management process. Internet Website Visit our Risk Control website for access to our safety newsletters and other safety lit erature at httpwww.travelers.comriskcontrol This website also has links to other safety related Internet sites. These services are available upon request. Please call us at 214 570 6682 for loss control assistance. Please do not call this nhumber for questions regarding your policy or claims. For all other inquiries please contact your underwriter or agent. SAFETY IS YOUR CONCERN U.S. employers spend billions of dollars each year on the direct and indirect costs of work related accidents. Dollar figures ca nt begin to reflect the pain and suf fering of an injured worker and his or her family. But they do give some indication of the multiple conse quences of a job related accident... loss of time inter rupted production damaged materials and equip ment the expense of retraining or replacing an injured worker possible legal action from government regula tory agencies and increased insurance costs. It makes good sense for both employers and their employees to actively participate in a sound accident prevention program. The success of such a program depends to a large extent on your commitment to safety procedures and accident prevention tech niques. Safety is a management concern. Maybe we can help. You may want to consider the following Safety Checkpoints as you evaluate your organization s safety activities SELF INSPECTION PROGRAM Do you conduct periodic surveys of premises... equipment... operations PN T2 270507 Do you analyze each job to find inherent hazards If you discover hazards do you follow up with im mediate corrective action Do you monitor such action to make sure it is im plemented and effective ACCIDENT INVESTIGATION Do you investigate each accident... determine the cause Do you take immediate steps to prevent a recur rence Do you keep records of accident investigations and follow up measures Do you complete accident statistics and analyze trends EDUCATION AND TRAINING Do you take the time to train each of your employ ees to perform tasks safely Do more experienced employees receive training to correct bad habits that have developed over time Do all employees understand that safety is an im portant part of their jobs Page 1 of 1 | 2 |
IMPORTANT NOTICE INFORMATION OR COMPLAINTS TEXAS AVISO IMPORTANTE INFORMACION O QUEJAS TEXAS To obtain information or make a complaint Para obtener informacin o para presentar una queja You may call Travelers toll free telephone number for information or to make a complaint at 1 800 328 2189 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at 1 800 252 3439 You may write the Texas Department of Insurance P.O. Box 149104 Austin TX 78714 9104 FAX 512 490 1007 Web www.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov Usted puede llamar al nimero de telfono gratuito de Travelers para informacin o para presentar una queja al 1 800 328 2189 Usted puede comunicarse con el Departamento de Seguros de Texas para obtener informacion sobre de companias coberturas derechos o quejas al 1 800 252 3439 Usted puede escribir al Departamento de Seguros de Texas a P.O. Box 149104 Austin TX 78714 9104 FAX 512 490 1007 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov DISPUTAS DE PRIMAS DE SEGUROS O RECLAMACIONES Si tiene una disputa relacionada a su prima de seguro o con una reclamacion usted debe comunicarse con el Agente o Travelers primero. Si la disputa no es resuelta usted puede comunicarse con el Departmente de Seguros de Texas. ADJUNTE ESTE AVISO A SU POLIZA Este aviso es solamente para propositos informativos y no se convierte en parte o en condicin del documento adjunto. PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact your Agent or Travelers first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. Page 1 of 1 PNT0221215 | 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. PNT0531213 Page 1 of 1 | 2 |
IMPORTANT NOTICE RISK MANAGEMENT PLANS FLORIDA 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. Florida loss control insurance statutes require insurers to provide commercial policyholders at their request with guidelines for risk management plans. Travelers Risk Control Department has available guidelines to assist you with your accident prevention activities. These guidelines are available to you free of charge. A risk management plan shall include safety measures for different exposures including as applicable pollution and environmental hazards disease hazards accidental occurrences fire hazards and fire prevention and detec tion liability for acts from the course of business slip and fall hazards product injury and hazards unique to a particular class or category of insureds. Training in safety management techniques and safety management counseling services are also available. If you would like to request assistance with risk management or your safety program please call our Risk Control Department at 407 388 3307. For access to over 1600 safety and health resources including training programs checklists management guides etc. visit our Risk Control Customer Portal at httpwww.travelers.comriskcontrol. PN TO0 6005 10 Page 1 of 1 | 2 |
IMPORTANT NOTICE CONTACT INFORMATION FLORIDA NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOUR 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. Please review your policy carefully. Should you have any questions concerning coverages billings additions or deletion please contact your agent. Should you feel the need for additional information or wish to make a com plaint we offer the following number For information or to make a complaint call 1 800 328 2189 PNT2190510 Page 1 of 1 | 2 |
P N TRAVELERS NOTICE TO POLICYHOLDERS JURISDICTIONAL INSPECTIONS 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. Al 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. PN T1 89 06 99 Page 1 of 2 | 2 |
REQUEST FOR JURISDICTIONAL INSPECTION Name of Business As Shown on Policy Policy Number Location of Equipment City State Zip Code 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 Page 2 of 2 PN T1 89 06 99 | 2 |
POLICY OVERPRINT PAGE 1 OF 1 POLICY NUMBER P630 8J994632 PHX18 RATER VN27 ISSUE DATE 102318 BUSINESS OWNERS A EFFECTIVE DATE 100618 EXPIRATION DATE 080819 INSUREDS NAME PETCO THRIVE JV LLC NEW RENEWAL R SOLICITOR CODE SAI 9786W6213 MSI P RATING MODE G SPECIAL CODE 22 PROGRAM CODE 318 FEDERAL TAX ID PAYMODE M AUDIT FREQUENCY A RESPONSIBILITY P WATCH FILE 0 SURVEY CODE 2 REINSURANCE N AUTO FILINGS ACCOUNT EFF. MONTH 1118 1118 1218 0119 0219 0319 0419 0519 0619 0719 DATE 100618 110618 120618 010619 020619 030619 040619 050619 060619 070619 15135.00 15140.00 TOTAL OFFICE KANSAS CITY 095 PRODUCER NAME LOCKTON COMPANIES LLC XG345 | 2 |
P N TRAVELERS PREMIUM SPLIT FORM PAGE 1 OF 1 POLICY NUMBER P630 8J994632 PHX18 RATER VN27 ISSUE DATE 102318 COMM ITEM NC 93 ACCOUNT EFFECTIVE MONTH DATE PREMIUM 1118 100618 1.00 1118 110618 0.00 1218 120618 0.00 0119 010619 0.00 0219 020619 0.00 0319 030619 0.00 0419 040619 0.00 0519 050619 0.00 0619 060619 0.00 0719 070619 0.00 COMM ITEM NC 98 PREMIUM o o o.00.00.00.00.00.00.00.00.00.00 COMM ITEM.1500 PREM PREMIUM 1527 1512 1512 1512 1512 1512 1512 1512 1512 1512 COMM ITEM PREMIUM nan nan nan nan 15135.0 TOTAL 93 FLS 98 FLATF OFFICE KANSAS CITY 095 PRODUCER NAME LOCKTON COMPANIES LLC XG345 | 2 |
nan nan nan nan 3.622015000054e17 Midcontinent Independent System Operator Inc. P.O. Box 4202 Carmel IN 46082 CNI 900401 12 Insured | 2 |
nan nan nan nan 3.622015000054e17 TERESA COULTER SENIOR ACCOUNT EXECUTIVE LOCKTON COMPAINES LLC 444 W 47 STREET SUITE 900 KANSAS CITY MO 64112 CNI 90 05 01 12 Producer | 2 |
nan nan nan nan 3.622015000054e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. ANNUAL MEETING NOTICE Your policy is issued by a stock insurance company subsidiary of the Liberty Mutual Holding Company Inc. a Massachusetts mutual holding company. The named insured first named in the Declarations is a member of Liberty Mutual Holding Company Inc. As a member of Liberty Mutual Holding Company Inc.. the named insured first named is entitted. among other things to vote either in person or by proxy at the annual meeting or special meetings of said company. The Annual Meeting of Liberty Mutual Holding Company Inc. is at its offices located at 175 Berkeley Street Boston Massachusetts on the second Wednesday in April each year at ten oclock in the moming. Members of Liberty Mutual Holding Company inc. may request a copy of the company s annual financial statements which are posted on Liberty Mutual s website at www.libertymutual.com or by writing to Liberty Mutual Holding Company Inc. 175 Berkeley Street Boston Massachusetts 02116 Attention Corporate Secretary. PARTICIPATING PROVISION You may be eligible to participate in the distribution of surplus funds of the company through any dividends that may be declared for this policy. A declaration or payment of dividends is not guaranteed. The amount of any dividends that may be declared shall be to the extent and upon the conditions fixed and determined by the Board of Directors and in compliance with any laws that apply. In witness whereof the company has caused this policy to be signed by its President and its Secretary. L 777 PRESIDENT 2013 Liberty Mutual Insurance. All rights reserved. Page 1 of 1 LIL 90040613 | 2 |
362201500005400005 INSURANCE COMMERCIAL GENERAL LIABILITY DECLARATIONS OCCURRENCE Issued By Liberty Mutual Fire Insurance Co. Policy Number TB2 641 444277 025 Issuing Office BOSTON MA Renewal Of TB2 641 444277 024 Issue Date 2015 12 21 Account Number 4 444277 Sub Account 0000 Named Insured and Mailing Address Midcontinent Independent System Operator. Inc. P.O. Box 4202 Carmel IN 46082 Form of Business Corporation Policy Period The policy period is from 121522015 to 12152016 1201 A.M. standard time at the Insured s mailing address. In retum 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. LIMITS OF INSURANCE 1000000 1000000 Any one premises 10000 Any one person Each Occurrence Limit Damage to Premises Rented to You Limit Medical Expense Limit PRBN N Personal Advertising Injury Limit 1000000 General Aggregate Limit 10000000 Products Completed Operations Aggregate Limit 2000000 SCHEDULE The declarations are completed on the accompanying Declarations Extension Schedules. Commercial General Liabilty Coverage Part Premium 28464 Endorsement Premium 1.400 Total Estimated Premium 29864 Other Charges Policywriting Minimum Premium 1000 Forms Applicable See Attached Inventory LOCKTON 0098004710 LOCKTON COMPANIES LLC 444 W 47TH ST STE 900 KANSAS CITY MO 641121906 2012 Liberty Mutual Insurance. All nights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LC 00040812 | 2 |
nan nan nan nan 3.622015000054e17 DECLARATIONS EXTENSION SCHEDULE CLASSIFICATION DESCRIPTIONS Policy Number TB2 641 444277 025 Description Not Otherwise Classified andor A Rated Low Class Code 98050 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LCS 00010512 | 2 |
nan nan nan nan 3.622015000054e17 DECLARATIONS EXTENSION SCHEDULE COMPOSITE RATED COVERAGES Policy Number TB2 641 444277 025 Description Premium Basis Rates Premium All Operations of the Named Insured Square Feet 418591 Per 1000 68.0000 28464 28464 TOTAL 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LCS 00020512 Page 1 of 1 | 2 |
nan nan nan nan 3.622015000054e17 DECLARATIONS EXTENSION SCHEDULE MISCELLANEOUS CHARGES Policy Number TB2 641 444277 025 Premium Basis Terrorism Risk Insurance Act TRIA Rates Charges 1400 1400 TOTAL MISCELLANEOUS CHARGES 2012 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LCS 00030512 Page 1 of 1 | 2 |
nan nan nan nan 3.622015000054e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. Inventory Coverage Forms Parts Endorsements Enclosures COVERAGE FORMS PARTS ENDORSEMENTS AND ENCLOSURES FORMING A PART OF THIS POLICY AT INCEPTION Form Number Edition Date Title COMMON POLICY FORMS LIL S0 04 06 13 ANNUAL MEETING NOTICE LC 000408 12 COMMERCIAL GENERAL LIABILITY DECLARATIONS LCS 00010512 DECLARATIONS EXTENSION SCHEDULE CLASSIFICATION DESCRIPTIONS LCS 000205 12 DECLARATIONS EXTENSION SCHEDULE LCS 000305 12 DECLARATIONS EXTENSION SCHEDULE MISCELLANEOUS CHARGES IC 00 42 07 09 Inventory Coverage Forms Parts Endorsements Enclosures IL0017 1198 Common Policy Conditions iL 02 72 09 07 Indiana Changes Cancellation And Nonrenewal Title ANNUAL MEETING NOTICE COMMERCIAL GENERAL LIABILITY DECLARATIONS DECLARATIONS EXTENSION SCHEDULE CLASSIFICATION DESCRIPTIONS DECLARATIONS EXTENSION SCHEDULE DECLARATIONS EXTENSION SCHEDULE MISCELLANEOUS CHARGES Inventory Coverage Forms Parts Endorsements Enclosures Common Policy Conditions Indiana Changes Cancellation And Nonrenewal COMMERCIAL GENERAL LIABILITY CG00010413 Named Insured LC 994002 13 Composite Rate LC 99121013 Coverage Endorsements CG 02241093 CG 04351207 CG 24040509 CG24171001 LC 0404 06 05 LC 25130808 LC 29 04 08 08 LC 29 06 08 08 LC99010213 LC99030213 LC99360213 COMMERCIAL GENERAL LIABILITY COVERAGE FORM BROAD FORM NAMED INSURED MAJORITY INTEREST Composite Rate Earlier Notice of Cancellation Provided By Us Employee Benefits Liability Coverage WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGA TOUS Contractual Liability Railroads Bodily Injury to Co Employees Coverage Non Cumutation of Liability Same Occurrence Personal and Advertising Injury Definition of Publication Personal and Advertising Injury Occurrence Redefined NOTICE OF OCCURRENCE OFFENSE OR INJURY UNINTENTIONAL FAILURE TO DISCLOSE PREMIUM RESPONSIBILITY ENDORSEMENT BROAD FORM NAMED INSURED MAJORITY INTEREST Composite Rate Earlier Notice of Cancellation Provided By Us Employee Benefits Liability Coverage WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TOUS Contractual Liability Railroads Bodily Injury to Co Employees Coverage Non Cumutation of Liability Same Occurrence Personal and Advertising Injury Definition of Publication Personal and Advertising Injury Occurrence Redefined NOTICE OF OCCURRENCE OFFENSE OR INJURY UNINTENTIONAL FAILURE TO DISCLOSE PREMIUM RESPONSIBILITY ENDORSEMENT 2008 Liberty Mutual Group of Companies. All rights reserved. IC 00 42 07 09 Page 1 of 3 | 2 |
nan nan nan nan 3.622015000054e17 Form Number Edition Date LC2908 1011 LC 040210 11 LC24271013 LC25190115 LIM 99010511 LC29091011 Additional Insureds LN 20 01 06 05 LC 24200213 TRIA Exclusions CG 21700115 CG 21760115 CG 26860115 CG 26930115 Title Advertisement Redefined Professional Health Care Services by Employees or Volunteer Workers Coverage Non Owned Watercraft Amendment With Limitation of Coverage Designated Construction Project or Designated Location Combined Aggregate Limits With Total Project and Location Aggregate Limit Notice of Cancellation to Third Parties Bodily Injury Redefined Blanket Additional Insured Other Insurance Amendment Scheduled Additional Insured CAP ON LOSSES FROMCERTIFIED ACTS OF TERRORISM EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT TERRORISM ARKANSAS EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM ALASKA EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM Blanket Additional Insured Other Insurance Amendment Scheduled Additional Insured CAP ON LOSSES FROMCERTIFIED ACTS OF TERRORISM EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM ARKANSAS EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM ALASKA EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM Other Exclusions CG 21160413 CG 21471207 CG 21651204 CG 21671204 CG 22500413 IL 00 21 09 08 LC 210106 05 LC 210206 05 LC 210406 05 LC 21 06 06 07 LC 2138 06 07 LC 213906 07 LC 214206 07 LC 216508 07 CG 210605 14 IL0117 1210 State Mandatory CG 01230397 iL01580908 EXCLUSION DESIGNATED PROFESSIONAL SERVICES Employment Related Practices Exclusion Total Pollution Exclusion With a Building Heating Cooling and Dehumidifying Equipment Exception and a Hostile Fire Exception Fungi or Bactena Exclusion EXCLUSION FAILURE TO SUPPLY Nuclear Energy Liabilty Exclusion Endorsement Broad Form Asbestos Exclusion Endorsement Silica Exclusion Endorsement Discrimination Exclusion Lead Exclusion Polychlorinated Biphenyls PCBs Exclusion Radioactive Matter Exclusion Electromagnetic Fields and Electromagnetic Radiation Exclusion MTBE Exclusion Exclusion Access or Disclosure of Confidential or Personal Information and Data Related Liability With Limited Bodily Injury Exception Indiana Changes Workers Compensation Exclusion Indiana Pollution Exclusion Endorsement indiana Changes 2008 Liberty Mutual Group of Companies. All rights reserved. IC 004207 09 Page 2 of 3 | 2 |
nan nan nan nan 3.622015000054e17 Form Number Edition Date Title IL 01990908 Arkansas Changes Transfer Of Rights Of Recovery Against Others To Us NOTICES TO POLICYHOLDER SNI13011210 indiana Notice To Policyholders SNI1900201 15 TERRORISM RISK INSURANCE ACT Page 3 of 3 2008 Liberty Mutual Group of Companies. All rights reserved. IC 00 42 07 09 | 2 |
nan nan nan nan 3.622015000054e17 Common Policy Conditions All Coverage Parts included in this policy are subject 1o the following conditions A. CANCELLATION 1. The First Named Insured shown in the Declarations may cancel this policy by mailing or delivering 1o us advance wrilten notice of cancellation. 2. We may cancel this policy by mailing or delivering 10 the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Narmed Insured s last mailing address known 10 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 canceled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be sufficient proof of notice. CHANGES This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to this policy at any time during the policy period and up 10 three years afterward. INSPECTIONS AND SURVEYS 1. We have the right to a. Make inspections and surveys at any lime b. Give you reports on the conditions we find and Recommend changes. 2. Weare not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to insurability and the premiums 1o be charged. We do not make safety inspections. We do not undertake 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 Copyright Insurance Services Office Inc. 1998 Page I of 2 IL00 171198 1198 | 2 |
nan nan nan nan 3.622015000054e17 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 recommendasions. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommendations we may make relative to centification under state or municipal statutes ordinances or regulations of boilers pressure vessels or elevators. E. PREMIUMS The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. F. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY Your rights and duties under this policy may not be transferred without our written consent excepi in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Page 2 of 2 IL00 171198 11 98 | 2 |
nan nan nan nan 3.622015000054e17 IL 027209 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART b. More Than 90 Days If this policy has been in effect for more than 90 days or is a renewal of a policy we issued we may cancel this policy only for A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Cancellation Of Policies In Effect a. 90 Days Or Less If this policy has been in effect for 90 days or less we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 1 10 days before the effective date of cancellation i we cancel for nonpayment of premium 20 days before the effective date of cancellation if you have perpetrated a fraud or matenal misrepresentation on us or 3 30 days before the effective date of cancellation if we cancel for any other reason. one or more of the reasons listed below by mailing or delivering to the first Named Insured written notice of cancellation at least 1 10 days before the effective date of cancellaton i we cancel for nonpayment of premium 2 20 days before the effective date of cancellation if you have perpetrated a fraud or matenal misrepresentation on us or 3 45 days before the effective date of cancellation if a There has been a substantial change in the scale of nisk covered by this policy b Reinsurance of the risk associated with this policy has been cancelled or c You have failed to comply with reasonable safety recommendations. SO Properties Inc. 2006 iL 02720907 Page 1 of 2 | 2 |
nan nan nan nan 3.622015000054e17 2. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. B. The following is added to the Common Policy Condttions and supersedes any provision to the contrary. NONRENEWAL 1. If we elect not to renew this policy we will mail or deliver to the first Named Insured written notice of nonrenewal at least 45 days before a. The expiration date of this policy if the policy is written for a term of one year or less or b. The anniversary date of this policy if the policy is written for a term of more than one year. ISO Properties Inc. 2006 IL 0272 09 07 Page 2 of 2 | 2 |
nan nan nan nan 3.622015000054e17 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 Il 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 wil 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 sut seeking those damages. However we will have no duty to defend the insured against any sut seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements 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 inthe coverage territory 2 The bodily injury or property damage occurs duning the policy period and 3 Prior to the policy period no insured listed under Paragraph 1. of Section il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section It Who s 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 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or.property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resuiting at any time from the bodily injury. Insurance Services Office Inc. 2012 Page 1 of 16 CG 00010413 | 0 |
nan nan nan nan 3.622015000054e17 e 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 failling 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. 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 attomeys fees and necessary itigation 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 b Such attorneys fees and litigation expenses are for defense of that party against a civi 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. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 Ator 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 i sustained within a building and caused by smoke fumes vapor or soot produced by or oniginating 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 addtional 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 addiional insured or ili Bodily injury or property damage ansing out of heat smoke or fumes from a hostile fire b Ator 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 or for i Any insured or i 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 ste or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to Bodily injury or property damage ansing 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 arses 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 i Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from matenals brought into that buiding in connection with operations being performed by you or on your behalf by a contractor or subcontractor or iil Bodily injury or property damage anising out of heat smoke or fumes from a hostile fire. e Ator 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. Insurance Services Office Inc. 2012 CG 00010413 Page 3 of 16 | 1 |
nan nan nan nan 3.622015000054e17 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 monitoning 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 sut 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 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 Liabilty assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the defintion 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 b The operation of any of the machinery or equipment listed in Paragraph f.2 or.3 of the defintion 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 govemment 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 anothers 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 3 Insurance Services Office. Inc. 2012 Page 4 of 16 CG00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 tnformation 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 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 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to 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 lll Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured anising 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. Insurance Services Office Inc. 2012 Page 5 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 2. Exclusions This insurance does not apply to a. c o g 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 Perfod 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 liabilty 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 anothers 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. 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 Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liabilty 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 duning the policy period. Insurance Services Office Inc. 2012 Page 6 of 16 CG00010413 | 1 |
nan nan nan nan 3.622015000054e17 m. 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. 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 Intemet 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 Intemet. is not by itself. considered the business of advertising. broadcasting publishing or telecasting. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury ansing out of an electronic chatroom or bulletin board the insured hosts. owns. or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury anising out of the unauthorized use of another s name or product in your e mail address. domain name or metatag. or any other similar tactics to mislead another s potential customers. Pollution Personal and advertising injury anising out of the actual. alleged or threatened discharge. dispersal. seepage. migration. release or escape of poliutants 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 sut by or on behalf of a govemmental 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 govemment. sovereign or other authority using military personnel or other agents or Insurrection. rebellion. revolution. usurped power. or action taken by govemmental 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 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. Insurance Services Office. Inc.. 2012 Page 7 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 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 Liabilty Coverage applies. We do not have to fumish these bonds.. 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. Insurance Services Office Inc.. 2012 Page 8 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 So long as the above conditions are met attomeys fees incurred by us in the defense of that indemnitee necessary lttigation 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 attomeys fees and necessary Itigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the condttions 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. Ifyou 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. 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. d. 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 liabilty 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 Tinsured contract d. 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 b Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. o Insurance Services Office inc. 2012 Page 9 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 2 Each ofthe 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 f you are a limited liabilty 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 b 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 f you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liabilty 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. 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 liabilty company that is not shown as a Named Insured in the Declarations. SECTION ill LIMTS 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 3 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 Insurance Services Office Inc. 2012 Page 10 of 16 CG00010413 | 1 |
nan nan nan nan 3.622015000054e17 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.. Youand 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 Actlon 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. 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. 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. 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 whie rented to you or in the case of damage by fire while rented to you or temporanly occupied by you with permission of the owner. 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 addiional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMVERCIAL 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. Dutles In The Event Of Occurrence Offense Claim Or Sult a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may resuft 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 b4 7. Insurance Services Office inc. 2012 Page 110of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 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 liabilty 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 Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covening 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 entitied to the insured s rights against all those other insurers. Insurance Services Office Inc. 2012 Page12 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 4. 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. Intemational 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 temitory described in Paragraph a. above 2 The activities of a person whose home is in the temitory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Intemet 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 posiions created by your charter constitution bylaws or any other similar goveming document. Hostile fire means one which becomes uncortrollable or breaks out from where it was intended to be.. Impaired property means tangble 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. b. Those statements are based upon representations you made to us and. We have issued this policy in reliance upon your representations.. 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. Transfer Of Rights Of Recovery Against Others ToUs If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them.. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. 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 Intemet 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.. 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. Insurance Services Office Inc. 2012 Page 13 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 temporanily occupled 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 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 Thatindemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any rairoad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing 2 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 10.Leased worker means a person eased to you by 1 1 1 N 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 notinclude a temporary worker. Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but leading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto..Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent. Vebhicles 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. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobilty 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. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Insurance Services Office Inc. 2012 Page 14 of 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 notinclude 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. 13Occurrence 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 matenal 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 imitant 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 anising 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 earfiest 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 Products or operations for which the classffication 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 nottangible property. Insurance Services Office Inc. 2012 Page 150f 16 CG 00010413 | 1 |
nan nan nan nan 3.622015000054e17 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 ROMs 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 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 matenals parts or equipment fumished 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 wamings 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 fumished 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. Insurance Services Office Inc. 2012 Page 16 of 16 CG 00010413 | 1 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BROAD FORM NAMED INSURED MAJORITY INTEREST This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The term Named Insured includes in addition to the person or organization designated in the Declarations as the first Named Insured 1. Any corporation or other business organization excluding partnerships and joint ventures in which the Named Insured has or acquires an ownership interest of more than 50 fifty percent and which is domiciled within the United States of America its territories or possessions. but only while the first Named Insured directly or indirectly owns during the policy period an interest therein of more than 50 and 2. any other organization except for a partnership or joint venture incorporated or organized under the laws of the United States of America or its states territories or possessions Puerto Rico or Canada or its provinces but only while the first Named Insured or any of the Named Insureds in Paragraph A.1. above directly or indirectly owns during the policy period an interest therein of more than 50. But of the above designated persons or organizations is a Named Insured with respect to 1 bodily injury or property damage that occurred or 2 personal and advertising injury caused by an offense or a series of related offenses committed prior to the ownership interests described in Paragraph A.1. or A.2. above. B. Paragraph 3. of Section Il Who Is An Insured is deleted. C. The final paragraph of Section Il Who Is An Insured is replaced by the following A partnership or joint venture is not a Named Insured unless it is shown in the Declarations or in Paragraph A.1. of this endorsement. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations or in Paragraph A.1. of this endorsement or for any limited liability company that is not a Named Insured. D. The first Named Insured is authorized to act and agrees to act on behalf of all persons or organizations insured under this policy with respect to all matters pertaining to the insurance afforded by the policy. Page 10of 1 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 99400213 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMPOSITE RATE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR 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 SPECIAL PROTECTIVEAND HIGHWAY LIABILITY POLICY NEWYORK With regard to composite rated premium for this policy exposure types are defined as Admissions means the total number of persons other than employees of the named insured admitted to the eventinsured or to events conducted on the premises whether on paid admissions tickets complimentary tickets or passes. Areal Square Feet means area as measured in square feet of all property you own lease or rent including land held for investment during the policy period. Cost Total Cost means the total cost of all work let or sublet in connection with each specific project including 1 the cost of all labor materials and equipment fumished used or delivered for use in the execution of the work and 2 all fees bonuses or commissions made paid or due. Gross Recelpts means the total amount eamed by the insured for transporting passengers mail and merchandise. Gross Sales Including Foreign means the gross amount charged by you your concessionaires or by others trading under your name for all goods or products sold or distributed during the policy period operations performed during the policy period and rentals both in the United States of America its temritories and possessions and outside the United States of America its territories and possessions. Sales includes taxes foreign exchange discounts freight allowance to customers total sales of consigned goods and warehouse receipts trade or cash discounts bad debts and repossessions of items sold on installments. Gross Sales Excluding Foreign means the gross amount charged by you your concessionaires or by others trading under your name for all goods or products sold or distributed during the policy period operations performed during the policy period and rentals only in the United States of America its territories and possessions and Puerto Rico. Sales includes taxes foreign exchange discounts freight allowance to customers total sales of consigned goods and warehouse receipts trade or cash discounts bad debts and repossessions of items sold on installments. Operating Expenditures means total expenditures including grants entitlements and shared revenue without regard to source of revenue during the policy period including accounts payable subjectto inclusions exclusions and terminology in accordance with the General Liability manual in use by the Company. Workers Compensation Payroll means all payments by you in money or in substitutes for money during the policy period to all executive officers and other employees for services rendered subject to any over time eamings limitation of remuneration or exception rules applicable in accordance with the Workers Compensation manual in use by the Company. LC99121013 2013 Liberty Mutualtnsurance. All rights reserved. Page 1 of 2 Includes copyrighted material ofInsurance Services Office Inc. with its permission. 2013 Liberty Mutual insurance. All rights reserved. Includes copyrighted material ofinsurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
nan nan nan nan 3.6220150000540006e17 General Liability Payroll means all payments by you in money or in substitutes for money during the policy period to all executive officers and other employees for services rendered subject to any over time earnings limitation of remuneration or exception rules applicable in accordance with the General Liability manual in use by the Company. Units means a single room or group of rooms intended for occupancy as separate living quarters by a family by a group of unrelated persons living together or by a person living alone. Other means 2013 Liberty Mutualinsurance. All rights reserved. Includes copyrighted material ofInsurance Services Office Inc. with its permission. LC99121013 Page 2 of 2 | 2 |
nan nan nan nan 3.6220150000540006e17 VBER TB2 641 444277 025 COMMERCIAL GENERAL LIABILITY CG 02241093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY NUMBER TB2 641 444277 025 EARLIER NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Number of Days Notice 60 If no entry appears above information required to complete this Schedule will be shown in the Declarations as applicable to this endorsement. For any statutonly pennmed reason other than nonpayment of premium the number of days required for notice of cancellation as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement is increased to the number of days shown in the Schedule above. Copyright Insurance Services Office inc. 1992 Page 1 of 1 CG 02241093 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 04 351207 POLICY NUMBER TB2 641 444277 025 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THEENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Coverage Limit Of Insurance Eagfurgszee Employee Benefits 1000000 each employee 1000 Programs 2000000 aggregate Retroactive Date 070172001 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages No other obligation or liabilty to pay sums or perform acts or services is covered COVERAGE EMPLOYEE BENEFITS unless explicitly provided for under Sup LIABILITY plementary Payments. 1. Insuring Agreement b. This insurance applies to damages only if a. We will pay those sums that the insured 1 The act error or omission is negligently becomes legally obligated to pay as committed in the administration of damages because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section Hl Limits Of Insurance and 2 Our rightand duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and 3 A claim for damages because of an act error or omission is first made against any insured in accordance with Paragraph c. below during the policy period or an Extended Reporting Period we provide under Paragraph F. of this endorsement. c. A claim seeking damages will be deemed to have been made at the earlier of the fol fowing times. 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or 1SO Properties Inc. 2006 Page 1 of 6 CG 04351207 | 2 |
nan nan nan nan 3.6220150000540006e17 f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement Income Secu rity Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other collectible insurance.. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j Employment Related Practices Damages arising out of wrongful termin ation of employment discrimination or oth er employment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and B are replaced by Supple mentary Payments Coverages A B and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authonzation to administer your employee benefit program if you die but only until your legal represen tative is appointed. 2 When we make settlement in accor dance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim.. Al claims for damages made by an employee because of any act error or omission or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefi ciaries will be deemed to have been made at the time the first of those claims is made against any insured.. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dishonest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless violation of any statute.. Bodily Injury Property Damage Or Personail And Advertising Injury Bodily injury property damage or pers onal and advertising injury.. Failure To Perform A Contract Damages arising out of failure of perfor mance of contract by any insurer.. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram.. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investmentto perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. ISO Properties Inc. 2006 CG 04351207 Page 2 of 6 | 2 |
nan nan nan nan 3.6220150000540006e17 c. Your legal representative if you die but only with respect to duties as such. That repre sentative will have all your rights and duties under this Endorsement. 3. Any organization you.newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance applies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the pol icy period whichever is earfier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section Ill Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the administration of your employee benefit program. c. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one em ployee including damages sustained by such employee s dependents and benefi ciaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administra tion of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be subject to the limits and restrictions that apply to the payment of benefits in any plan included in the employee benefit program. The Limits of Insurance of this endorsement apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after issu ance for an addtional 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 Insur ance. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The limits of insurance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Schedule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deducti ble amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditlons are replaced by the following 2. Duties In The Event Of An Act Error Or Omission Or Clalm Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the extent possible notice should include 1 What the act error or omission was and when it occurred and ISO Properties Inc. 2006 CG 04351207 Page 3 of 6 | 2 |
nan nan nan nan 3.6220150000540006e17 2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or sut 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 en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 4. Other Insurance If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is pnmary except when Paragraph b. below applies. If this insur ance is primary our obligations are not af fected unless any of the other insurance is also pnimary. Then we will share with all that other insurance by the method de scribed in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that sut. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specffically to apply in excess of the Limits of mhsur ance shown in the Schedule of this en dorsement. c. Method Of Sharing If all of the other insurance permits contri bution by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not per mit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limits of insurance to the total applicable limits of insurance of all insurers. ISO Properties Inc. 2006 Page 4 of 6 CG 04351207 | 2 |
nan nan nan nan 3.6220150000540006e17 The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4 If the Extended Reporting Period is in effect we will provide an extended reporting period aggregate limit of insurance described below but only for claims first received and recorded during the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement under Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following defintions are added to the Definitions Section 1. Administration means a. Providing information to employees in cluding their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2 Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3 Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorse ment is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTINGPERIOD 1. You will have the right to purchase an Ex tended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this en dorsement or 2 Does not apply to an act error or omis sion on a claims made basis. 2 The Extended Reporting Period does not ex tend the policy period or change the scope of coverage provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not before the Retroactive Date if any shown in the Schedule. Once in effect the Ex tended Reporting Period may not be canceled. 3 An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing s0 we may take into account the following a The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this endorsement for future payment of dam ages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. ISO Properties Inc. 2006 Page 5 of 6 CG 04351207 | 2 |
nan nan nan nan 3.6220150000540006e17 4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility re quirements b. Proft shanng plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits. Unemployment insurance social security benefits workers compensation and dis ability benefits d. Vacation plans including buy and sell pro grams leave of absence programs includ ing miltary matemity family and civil leave tuition assistance plans transporta tion and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorse ment. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively em ployed formerly employed on leave of ab sence or disabled or retired. Employee in cludes a leased worker. Employee does not include a temporary worker. 18. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. SO Properties Inc. 2006 CG 04 351207 Page 6 of 6 | 2 |
nan nan nan nan 3.6220150000540006e17 POLICY NUMBER TB2 641 444277 025 POLICY NUMBER TB2 641 444277 025 COMMERCIAL GENERAL LIABILITY CG 24040509 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery we may have against the person or organization shown in the Schedule below because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. This waiver applies only to the person or organization shown in the Schedule below. SCHEDULE Name Of Person Or Organization Any person or organization with whom you have agreed in writing to waive any right of recovery prior to a loss. Information required to complete this Schedule if not shown above. will be shown in the Declarations. Insurance Services Office Inc. 2008 Page 1 of 1 CG 24040509 | 2 |
nan nan nan nan 3.6220150000540006e17 VBER TB2 641 444277 025 COMMERCIAL GENERAL LIABILITY CG 24171001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLICY NUMBER TB2 641 444277 025 CONTRACTUAL LIABILITY RAILROADS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to operations performed for. or affecting. a Scheduled Railroad at a Designated Job Stte. the party to pay for bodily injury or p age to a third person or organiz definition of insured contract in the Definitions sec ability means a liability that would tion is replaced by the following by law in the absence of any agreement. 9. Insured Contract means a. A contract for a lease of premises. However that portion of the contract for a lease of prem Paragraph f. does not include th contract or agreement ises that indemnifies any person or organiza 1 That indemnifies an architect. tion for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured con tract b. A sidetrack agreement. Any easement or license agreement 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 in demnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another surveyor for injury or damage a a Preparing approving or f pare or approve maps. sh opinions. reports. surveys. change orders or drawings cations or b Giving directions or instruc ing to give them if that is cause of the injury or dama 2 Under which the insured. if engineer or surveyor. assume an injury or damage arising c sured s rendering or failure to fessional services. including tt Paragraph 1 above and su spection. architectural or engin ties. party to pay for bodily injury or property dam age to a third person or organization. Tort li ability 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 an architect. engineer or surveyor for injury or damage arising out of a Preparing approving or failing to pre pare or approve maps. shop drawings. opinions. reports. surveys. field orders change orders or drawings and specifi cations or b Giving directions or instructions. or fail ing to give them if that is the primary cause of the injury or damage 2 Under which the insured. if an architect engineer or surveyor. assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services. including those listed in Paragraph 1 above and supervisory. in spection. architectural or engineering activi ties. SCHEDULE Scheduled Railroad Designated Job Site Any railroad for which you are performing operations All jobsites. and for which no Railroad Protective Liability Policy has been purchased for the railroad by you. or any railroad for which your work has been completed or put to its intended use. if no entry appears above. information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. ISO Properties. Inc.. 2000 Page 1 of 1 CG24171001 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Bodily Injury to Co Employees Coverage This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following is added to Paragraph 2. of the WHO IS AN INSURED section Your employees other than either your executive officers if you are an organization other than a partnership joint veniure or limited liability company or your managers if you are a limited liability company or volunteer workers are insureds while in the course of their employment or performing duties related 10 the conduct of your business with respect 10 bodily injury a 10 you b 10 your partners or members if partnership or joint venture 10 your members if you are a limited liability company or d 10 acoemployee or volunieer worker while that coemployee or volunteer worker is either in 1he course of his or her employment by you or while performing duties related 10 the conduct of your business including participation in any recreational activities sponsored by you. However none of these employees or volunieer workers are insureds for the providing of or failure 10 provide professional healih care services. Limits of lnsurance a. Sublimit Each Occurrence. This insurance is subject 10 a sublimit of 1000000 each occurrence This sublimil is subject 1o the Each Occurrence Limit shown in the Declarations it is not in addition 1o the Each Occurrence Limit. If a sublimit is not designated above the applicable limit is the Each Occurrence Limit shown in the Declarations. b. Aggregate. This insurance is subjeci 10 the General Aggregate Limit shown in the Declarations. The insurance provided by this endorsement for bodily injury 10 a coemployee or volunteer worker will not apply if the injured coemployee s or volunieer worker s sole remedy for such injury is provided under a workers compensation law or any similar law. The insurance provided by this endorsement is excess over any other valid and collectible insurance available 10 1he insured whether primary excess contingent or on any other basis LC 0404 06 05 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Libeny Mutual Fire lnsurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Non Cumulation of Liability Same Occurrence This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to paragraph 4. of the Limits of Insurance Section If one occurrence causes personal and advenising injury to which this policy applies and to which one or more prior andor future liability policyies issued to you by us also applies then this policy s Personal and Advenising Injury Limit will be reduced by the amount of each payment made by us under the other policyies because of such occurrence. The following is added to paragraph S. of the Limits of lnsurance Section If one occurrence causes bodily injury andor propeny damage during the policy period and during the policy period of one or more prior andor future liability policyies issued to you by us then this policy s Each Occurrence Limit will be reduced by the amount of each payment made by us under the other policyies because of such occurrence. The final paragraph of the Limits of Insurance Section is replaced with the following The aggregate Limits of lnsurance of this Coverage Part apply separately 1o 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 afier 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 aggregated Limits of Insurance. However the Each Occurrence Limit is the most we will pay for damages and Medical Expenses because of all bodily injury and propeny damage arising out of any one occurrence and the Personal and Advenising Injury Limit is the most we will pay for damage because of all personal and advenising injury arising out of any one occurrence regardless of the length of the policy period. Page of LC 2513 08 08 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Libeny Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Personal and Advertising Injury Redefined Definition of Publication This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraphs d. and e of the definition of personal and advenising injury are replaced by the following Personal and advenising injury means injury including consequential bodily injury arising out of one or more of the following offenses d. Oral or written publication directly to the public at large of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services. e 1 Oral or written publication directly to the public at large of material that violates a person s right of privacy 2 Oral or written publication of material that violates a person s right of privacy by misappropriation of that person s name or likeness. The following definition is added to the Definitions Section Publication means an insured s act of disseminating or broadcasting material or information. Publication does not include the wrongful appropriation interception or retrieval of material or information by a third party or the insured s dissemination or broadcasting of material or information to a person who is the subject of the material or the information. Page 1 of I LC 29 04 08 08 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Personal and Advertising Injury Occurrence Redefined This endorsemem modifies 1he insurance provided under ihe following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraph 4. of 1he Limi1s of Insurance section is replaced by 1he following 4. Subject 10 2. above 1he Personal and Advertising Injury Limi1 is the mos1 we will pay under Coverage B for ihe sum of all damages because of all personal and advertising injury arising ou1 of any one occurrence. B. The definition of occurrence in 1he Definiiions section is replaced by 1he following Occurrence means a. With respect 10 bodily injury or property damage an acciden including cominuous or repeated exposure 10 subsiamially 1he same general harmful conditions or b. Wiih respeci 10 personal and advertising injury an offense or series of relared offenses. Page 1 of LC 29 06 08 08 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF OCCURRENCE OFFENSE OR INJURY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART For purposes of Condition 2.a. of Section IV you refers to an executive officer or employee designated by the first Named Insured to give us notice. 2013 Liberty Mutuallnsurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LC99010213 | 2 |
362201500005400050 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINTENTIONAL FAILURE TODISCLOSE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART Unintentional failure of the first Named Insured to disclose all hazards existing at the inception of this policy shall not be a basis for denial of any coverage afforded by this policy. However you must report such hazards to us as soon as practicable after their discovery. This provision does not affect our right to collect additional premium or exercise our right of cancellation or non renewal. 2013 Liberty Mutual insurance. Al rights reserved. Includes copyrighted matenial of Insurance Senvices Office Inc. with its permission. LC99030213 Page 10of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PREMUM RESPONSIBILITY ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART Paragraph E. Premiums of the Common Policy Conditions is replaced by the following 1. Each Named Insured is jointly and severally liable for all premiums due under this policy and for any other financial obligations of any Named Insured to us arising out of any agreements contained in this policy. 2. The first Named Insured will be the payee for any retum premiums we pay. 2013 Liberty Mutuallnsurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. Page 1 of 1 LC99360213 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADVERTISEMENT REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERALLIABILITY COVERAGE PART The defintion of advertisement in the Definitions Section is replaced by the following Advertisement means a paid announcement that is broadcast or published in the print broadcast or electronic media 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. Announcements that are published include material placed on the Intemet 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. 2011 Liberty Mutual Group of Companies. All nights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LC29081011 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROFESSIONAL HEALTH CARE SERVICES BY EMPLOYEES OR VOLUNTEER WORKERS COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Amendment Who Is An Insured Paragraph 2.a.1d of Section Il Who Is An Insured is replaced by the following d Arising out of his or her providing or failing to provide professional health care services. However any employee or volunteer worker of the Named Insured who is a designated health care provider is an insured under this policy with respect to bodily injury and personal and advertising injury i Which arises out of the providing of or failure to provide professional health care services and ii Which occurs in the course of and within the scope of such employee s or volunteer worker s employment by the Named Insured. B. Limits of Insurance 1. This insurance is subject to a sublimit of 1000000 each occurrence. This sublimit is subject to the Each Occurrence Limit shown in the Declarations it is not in addition to the Each Occurrence Limit. If a sublimit is not designated above the applicable limit is the Each Occurrence Limit shown in the Declarations. 2. This insurance is subject to the General Aggregate Limit shown in the Declarations. C. With respect to employees and volunteer workers providing professional health care services the following exclusions are added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to 1 Liability assumed under an insured contract or any other contract or agreement 2 Liability arising out of the providing of professional health care services in violation of law 3 Liability arising out of the providing of any professional health care services while in any degree under the influence of intoxicants or narcotics 4 Liability arising out of any dishonest fraudulent malicious or knowingly wrongful act or failure to act or 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10f2 LC 040210 11 | 2 |
nan nan nan nan 3.6220150000540006e17 5 Punitive or exemplary damages fines or penalties. D. The following definition is added to the Definitions Section Designated health care provider means any employee or volunteer worker of the Named Insured whose duties include providing professional health care services including but not limited to doctors nurses emergency medical technicians or designated first aid personnel. E. Other Insurance 1. This provision applies only to the Commercial General Liability Coverage Part. 2. The insurance provided by this endorsement is excess over any other valid and collectible insurance available to the insured whether primary excess contingent or on any other basis. 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 04021011 Page 2 of 2 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NON OWNED WATERCRAFT AMENDMENT WITH LIMITATION OF COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Number of Feet Long 55 Feet Long A. Paragraph 2 of Exclusion g. of Section Coverage A Bodily Injury and Property Damage Liability is replaced by the following 2 A watercraft you do not own that is a Less than the number of feet long shown in the Schedule of this endorsement and b Not being used by you to carry persons or property for a charge. B. The following is added to Exclusion g. of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to any liability damages loss injury demand claim or suit 1. For which insurance is afforded under a Hull Protection Indemnity including Contractual Liability or Marine Operators Charterer s Liability Coverage on operated chartered or brokered watercraft or any other policy issued as a renewal or replacement thereof or 2. For which insurance would have been afforded under Paragraph 1. above had such policy a. Not been canceled or non renewed or b. Not exhausted its limits of insurance. 2013 Liberty Mutual Insurance. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10f 1 LC24271013 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECT OR DESIGNATED LOCATION COMBINED AGGREGATE LIMITS WITH TOTAL PROJECT AND LOCATION AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Designated Construction Projects or Designated Locations As required by written contract. Total Project and Location Aggregate Limit 2000000 A. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a single designated construction project or a single designated location 1. A separate Designated General Aggregate Limit applies to each designated construction project and to each designated location and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and for medical expenses under Coverage C regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated General Aggregate Limit for that designated construction project or designated location. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated General Aggregate Limit for any other designated construction project or designated location. 4. The limits shown in the Declarations for Each Occurrence Damage to Premises Rented to You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such limits will be subject to the applicable Designated General Aggregate Limit and the Total Project and Location Aggregate Limit. tal Project and Location Aggregate Limit 2000000 2013 Liberty Mutual insurance. All rights reserved. Includes copyrighted matenial of Insurance Services Office Inc. with its permission. Page 10f 2 LC 25191013 | 2 |
nan nan nan nan 3.6220150000540006e17 5. The Total Project and Location Aggregate Limit shown in the Schedule of this endorsement is the most we will pay for the sum of all damages caused by occurrences under Section Coverage A and all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a single construction project or a singte location regardless of the number of construction projects locations occurrences or accidents.. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attributed only to ongoing operations at a single designated construction project or single designated location 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Designated General Aggregate Limit.. When coverage for liability arising out of the products completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products Completed Operations Aggregate Limit and not reduce the General Aggregate Limit nor the Designated General Aggregate Limit.. If the applicable construction project has been abandoned delayed or abandoned and then restarted or if the authorized contracting parties deviate from plans blueprints designs specifications or timetables the project will still be deemed to be the same construction project.. For the purposes of this endorsement the Definitions Section is amended by the addition of the following definition Location means any premise that you occupy for permanent operations as part of your business but does not include any premises at which you are performing operations as part of a construction project. All premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad shall be considered a single location.. The provisions of Section Il Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. LC 25191013 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO THIRD PARTIES This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE PART MOTOR CARRIER COVERAGE PART GARAGE COVERAGE PART TRUCKERS COVERAGE PART EXCESS AUTOMOBILE LIABILITY INDEMNITY COVERAGE PART SELF INSURED TRUCKER EXCESS LIABILITY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM Schedule Name of Other Persons Organizations Per list on file with the Broker Per list on file with the Broker of Record. 30 of Record. Email Address or mailing address Number Days Notice A. If we cancel this policy for any reason other than nonpayment of premium we will notify the persons or organizations shown in the Schedule above. We will send notice to the email or mailing address listed above atleast 10 days or the number of days listed above if any before the cancellation becomes effective. In no event does the notice to the third party exceed the notice to the first named insured. B. This advance notification of a pending cancellation of coverage is intended as a courtesy only. Our failure to provide such advance notification will not extend the policy cancellation date nor negate cancellation of the policy. All other terms and conditions of this policy remain unchanged. 2011 Liberty Mutual Group of Companies. Alf rights reserved. Includes copyrighted matenal of Insurance Services Office Inc. with its permission. Page 1 of 1 LIimM 99 01 05 11 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ ITCAREFULLY. BODILY INJURY REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS COVERAGE PART The definition of bodily injury in the Definition section is replaced by the following Bodily injury means a. Bodily injury sickness or disease sustained by a person including death resulting from any of these at any time and b. Mental anguish shock or humiliation arising out of injury as defined in paragraph a. above. Mental anguish means any type of mental or emotional illness or distress. 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted matenial of Insurance Services Office Inc. with its permission. LC 29091011 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION Il WHO IS AN INSURED is amended to include as an insured any person or organization for whom you have agreed in writing to provide liability insurance. But The insurance provided by this amendment 1 Applies only to bodily injury or property damage arising out of a your work or b premises or other property owned by or rented to you Applies only to coverage and minimum limits of insurance required by the written agreement but in no event exceeds either the scope of coverage or the limits of insurance provided by this policy and Does not apply to any person or organization for whom you have procured separate liability insurance while such insurance is in effect regardless of whether the scope of coverage or limits of insurance of this policy exceed those of such other insurance or whether such other insurance is valid and collectible. The following provisions also apply 1 Where the applicable written agreement requires the insured to provide liability insurance on a primary excess contingent. or any other basis this policy will apply solely on the basis required by such written agreement and tem 4. Other Insurance of SECTION IV of this policy will not apply. Where the applicable written agreement does not specify on what basis the liability insurance will apply the provisions of ltem 4. Other Insurance of SECTION IV of this policy will govem. This endorsement shall not apply to any person or organization for any bodily injury or property damage if any other additional insured endorsement on this policy applies to that person or organization with regard to the bodily injury or property damage. If any other additional insured endorsement applies to any person or organization and you are obiigated under a written agreement to provide liability insurance on a primary excess contingent or any other basis for that additional insured this policy will apply solely on the basis required by such written agreement and ftem 4. Other Insurance of SECTION V of this policy will not apply regardless of whether the person or organization has available other valid and collectible insurance. If the applicable written agreement does not specify on what basis the liability insurance will apply. the provisions of item 4. Other Insurance of SECTION IV of this policy will govem. LN 20 01 06 05 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OTHER INSURANCE AMENDMENT SCHEDULED ADDITIONAL INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART Schedule Person or Organization As required by written contract. If you are obligated under a written agreement to provide liability insurance on a primary excess contingent or any other basis for any person or organization shown in the Schedule of this endorsement that qualifies as an additional insured on this policy this policy will apply solely on the basis required by such written agreement and Paragraph 4. Other Insurance of Section IV Conditions will not apply. If the applicable written agreement does not specify on what basis the liability insurance will apply the provisions of Paragraph 4. Other Insurance of Section IV Conditions will govern. However this insurance is excess over any other insurance available to the additional insured for which it is also covered as an additional insured by attachment of an endorsement to another policy providing coverage for the same occurrence claim or suit. LC24200213 2013 Liberty Mutual insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10f 1 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG21700115 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 COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. If aggregate insured losses attributable to terrorist acts certified under the federal Terronism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Certified act of terronsm means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terronsm include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terronism Risk Insurance Act and 2 The act is 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. B. The terms and limitations of any terrorism exclusion or the inapplicabilty or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Insurance Services Office Inc. 2015 Page 1 of 1 CG21700115 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG21760115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following A COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising directly or indirectly out of a certified act of terrorism that are awarded as punitive damages. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury. in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2 The act is a viol dangerous to t infrastructure and i or individuals as p civilian population influence the policy United States Gove C. The terms and lim exclusion or the inaf terrorism exclusion coverage for injury o exciuded under this Cc 2 The act is 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 Govemment by coercion. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Insurance Services Office Inc. 2015 Page 1 of 1 CG 21760115 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 26860115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising directly or indirectly out of a certified act of terrorism that are awarded as punitive damages. B. The following definitions are added 1. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terronism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of temorism include the following a. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and b. The act is 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 Govemment by coercion. 2. Punitive damages means damages that may be imposed to punish a wrongdoer and to deter others from similar conduct. C. The terms and limitations of any terrorism exclusion or the inapplicabilty or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. b. The act is 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 Govemment by coercion. 2. Punitive damages means damages that may be imposed to punish a wrongdoer and to deter others from similar conduct. C. The terms and limitations of any terrorism exclusion or the inapplicabilty or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Insurance Services Office Inc. 2015 Page 1 of 1 CG 26 86 0115 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG26930115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ALASKA EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR 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 2. The act is 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. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage thatis otherwise excluded under this Coverage Part. A. The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising out of a certified act of terrorism that are awarded as punitive damages. B. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terronsm pursuant to such Act The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and Insurance Services Office Inc. 2015 Page 1 of 1 CG 26930115 | 2 |
nan nan nan nan 3.6220150000540006e17 POLICY NUMBER TB2 641 444277 025 COMMERCIAL GENERAL LIABILITY CG21160413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED PROFESSIONAL SERVICES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to any professional services shown in the Schedule the following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury due to the rendering of or failure to render any professional service. 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 or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional service. SCHEDULE POLICY NUMBER TB2 641 444277 025 Description Of Professional Services All professional services. Professional services means services provided in the course of any vocation calling occupation or employment if those services involve specialized knowledge labor or skil if the labor or skill involved is predominantly mental or intellectual rather than physical or manual. Professional services includes but is not limited to preparing approving or failing to prepare or approve plans maps drawings opinions reports surveys field orders change orders designs or specifications architectural surveying engineering or construction management services including related supervisory or inspection services and medical surgical dental x ray or nursing services treatment advice or instruction. Information required to complete this Schedule if not shown above will be shown in the Declarations. Insurance Services Office Inc. 2012 Page 1 of 1 CG 21160413 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG21471207 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. B. 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 2 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. 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 anising 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 2 Wnhether 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. ISO Properties. Inc.. 2006 Page 1 of 1 CG 21471207 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 21651204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION AND 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 Liabllity 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 reiease or es cape of pollutants at any time. This exclusion does not apply to a Bodily injury if sustained within a building which is or was at any time owned or occu pied by or rented or loaned to any insured 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 oc cupants or their guests or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire unless that hostile fire occurred or originated i Atany premises site or location which is or was at any time used by or for any in sured or others for the handling storage disposal processing or treatment of waste or b i At any premises site or location on which any insured or any contractors or subcontractors working directly or indi rectly on any insured s behalf are per forming operations to test for monitor clean up remove contain treat detox ify 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 poliutants 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 neu tralizing or in any way responding to or as sessing the effects of pollutants. i At any premises site or location on which any insured or any contractors or subcontractors working directly or indi rectly on any insured s behalf are per forming operations to test for monitor clean up remove contain treat detox ify neutralize or in any way respond to or assess the effects of pollutants. 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of poliutants or b 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 neu tralizing or in any way responding to or as sessing the effects of pollutants. ISO Properties Inc. 2003 CG 21651204 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened in halation of ingestion of contact with expo sure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed concurrently or in any sequence to such injury or damage. Any loss cost or expenses arising out of the abating testing for monitonng cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bactenia by any insured or by any other person or entity. This exclusion does not apply to any fungi or bactenia that are are on or are contained in a good or product intended for bodily consump tion. b. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. ISO Properties Inc. 2003 Page 1 of 1 CG 21671204 | 2 |
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