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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PRIOR WORK COMMERCIAL GENERAL LIABILITY Named Insured Lake Allure Homeowners Association Attached To and Forming Part of Policy 0100020847 1 Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Return Premi 0 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE The following exclusions are added to this policy 1. This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of your work performed a. Prior to the inception date of the policy period stated on the Declarations page of this policy or the inception date of the first policy of this type issued by the Company provided that the Company has written continuous coverage for the Named Insured from such date to the inception date of this policy or b. After the expiration of the policy period or c. Byany person whose business or assets you have acquired. 2. This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of your product that was manufactured sold handled distributed furnished abandoned or disposed of by a. You b. Others trading under your name or c. Any person whose business or assets you have acquired prior to the inception date of the policy period stated on the Declarations page of this policy or the inception date of the first policy of this type issued by the Company provided that the Company has written continuous coverage for the Named Insured from such date to the inception date of this policy whichever is earlier or after the expiration of the policy period. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Exclusions Damage To Your Work is deleted and replaced with the following. 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. SECTION V DEFINITIONS item 16. products completed operations hazard is deleted and replaced with the following Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times i When all of the work called for in your contract has been completed ii. 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 Page 1 of 2 CAS3022 0110 | 2 |
fii. 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 iv. The date the first notice of completion was filed on the first unit within a job site or V. The date escrow closed or title transferred on the first unit within a job site. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy schedule states that products completed operations are subject to the General Aggregate Limit. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page 2 of 2 CAS3022 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ATHLETIC PARTICIPANTS Named Insured Lake Allure Homeowners Association Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Return Premy 0 Attached To and Forming Part of Policy 0100020847 1 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury arising directly or indirectly out of related to or in any way involving the participation of any person in any contest exhibition exercise or event of an athletic or sports nature. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3031 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION EMPLOYER S LIABILITY Named Insured Lake Allure Homeowners Association Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Return Prem S0 Attached To and Forming Part of Policy 0100020847 1 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2. Exclusions e. Employer s Liability is deleted and replaced by the following This insurance does not apply to Employer s Liability Bodily injury to 1 Anemployee of the insured arising out of and in the course of a Employment by any insured or b Performing duties related to the conduct of any 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 an 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 and to liability assumed under an insured contract. The word employee as used in this exclusion includes any member associate leased worker contract worker casual worker temporary worker or any persons loaned to or volunteering services to you. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3040 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL POLICY EXCLUSIONS Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations Additional Premium Return Premiuj 50 S0 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE LIQUOR LIABILITY COVERAGE The following exclusions are added to this policy LEAD ASBESTOS SILICA ERIONITE EXCLUSION This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury or other injury or damage arising directly or indirectly out of related to or in any way involving the manufacture sale lease distribution transportation storage handling installation repair removal clean up testing inspection detoxifying or neutralizing disposal or other use of ingestion inhalation exposure to or contact with any goods products materials plant life or structures containing lead asbestos silica or erionite in any form including but not limited to claims arising out of continuous intermittent or repeated exposure to or ingestion inhalation or absorption of lead asbestos silica or erionite in any form. This exclusion applies 1. To liability assumed in any contract or agreement 2. Toany obligation to pay or indemnify any person entity organization or governmental agency 3. Toany supervision instructions recommendations requests warnings representations or advice given or which should have been given regarding the existence or control of lead asbestos silica or erionite or 4. Toany costs expenses or damages arising out of any remedial investigation or feasibility studies or medical monitoring. PRIOR INJURY OR DAMAGE EXCLUSION This insurance does not apply to bodily injury property damage or personal and advertising injury which begins or takes place before the inception date of this policy or before the retroactive date of this policy if claims made coverage applies regardless of whether or not such bodily injury property damage or personal and advertising injury is known to any insured. This exclusion shall apply even though the nature and extent of such damage or injury may change and even though the damage or injury may be continuous progressive cumulative changing or evolving and even though the occurrence causing such bodily injury property damage or personal and advertising injury may be or may involve a continuous or repeated exposure to substantially the same general harm or condition. If you are a contractor builder or developer the following also applies All property damage to units of or within a single project or development and arising from the same general type of harm or condition shall be deemed to occur at the time of damage to the first such unit even though the existence nature and extent of such damage may change and even though the occurrence causing such property damage may be or involve a continuous or repeated exposure to substantially the same general harm or condition which also CAS3043 0113 Page10f3 | 2 |
continues or takes place in the case of repeated exposure to the substantially the same general harm or condition during the policy period of this policy. DISCRIMINATION EXCLUSION This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury or other injury or damage arising directly or indirectly out of related to or in any way involving discrimination of any kind whether actual or alleged nor to any expenses or obligation to share damages with or repay another who must pay damages from discrimination. EMPLOYMENT PRACTICES EXCLUSION This insurance does not apply to liability for employment related practices regardless of allegations nor to any expenses nor to any obligation to share damages with or repay anyone else who must pay damages from same including but not limited to 1. Refusal to employ or termination of employment 2. Discrimination coercion demotion evaluation reassignment discipline defamation harassment in any form humiliation or other employment related practices policies acts or omissions 3. Consequential bodily injury or personal and advertising injury as a result of 1. or 2. above. CLASSIFICATION LIMITATION EXCLUSION This insurance applies only to the operations that are described in the DESCRIPTION OF OPERATIONS shown on the Declarations page of this policy. DUTY TO DEFEND EXCLUSION Where there is no coverage under this policy there is no duty to defend. PROFESSIONAL LIABILITY EXCLUSION This insurance does not apply to professional liability malpractice errors or omissions or acts of any type including rendering or failure to render any type of professional service nor to any expenses or any obligation to share damages with or repay anyone else who must pay damages from same unless such Professional Liability coverage is specifically endorsed onto this policy. FIDUCIARY EXCLUSION This insurance does not apply to any claim or suit arising directly or indirectly out of related to or in any way involving 1. Coercion conversion or misappropriation of the funds or property of others 2. Dishonest fraudulent criminal or malicious acts or omissions of the insured or any partner or employee or any person for whom you are legally responsible or 3. Activities or operations performed in the capacity of a fiduciary. WAR EXCLUSION the War Exclusion in the policy is deleted and replaced with the following This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury or other injury or damage arising directly or indirectly out of related to or in any way involving 1. Hostile or warlike action in time of peace or war including any action in hindering combating or defending against an actual impending or expected attach by a. Any government or sovereign power de jure or de facto or by any authority maintaining or using military naval or air forces b. Military or naval or air forces or c. Anagentofa.orb. above it being understood that any discharge explosion or use of any weapon of war employing nuclear fission or fusion or biological chemical or radiological discharge shall be CAS3043 0113 Page2of3 CAS3043 0113 | 2 |
conclusively presumed to be such hostile or warlike action by such a government power authority or forces. 2. Insurrection rebellion revolution civil war usurped power or action taken by governmental authority in hindering combating or defending against such an event. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page 3 of 3 CAS3043 0113 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION INJURY TO INDEPENDENT CONTRACTORS Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Insured address shown on the Declarations al Premium Return Prem 0 S0 Lake Allure Homeowners Association Addi This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury sustained by any of your independent contractors or subcontractors or any employee leased worker temporary worker or volunteer help of same. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3060 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PERSONAL FLOATATION DEVICE Named Insured Lake Allure Homeowners Association Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Return Prem S0 Attached To and Forming Part of Policy 0100020847 1 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any watercraft unless Personal Flotation Devices life preservers approved by the United States Coast Guard are provided in the appropriate sizes for each watercraft occupant. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3066 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION CONSTRUCTION ACTIVITIES Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations al Premium. Return Prem 0 0 Addi This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury arising directly or indirectly out of related to or in any way involving any construction demolition reconstruction building rebuilding or development of any kind on the insured premises. However this exclusion shall not apply to bodily injury property damage or personal and advertising injury arising out of routine and regular maintenance activities performed by the insured s employees on the insured premises. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3069 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PLAYGROUND EQUIPMENT Named Insured Lake Allure Homeowners Association Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Return Premy 0 Attached To and Forming Part of Policy 0100020847 1 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury arising directly or indirectly out of related to or in any way involving trampolines gymnastic or other similar rebounding apparatus or playground equipment. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3090 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION NAMED INSURED VS. NAMED INSURED Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations al Premium. Return Prem 0 0 Addi This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury brought by one named insured against any other named insured. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3098 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABSOLUTE EXCLUSION MOTORIZED VEHICLES Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations Additional Premium Return Prem 0 0 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE The following exclusion is added to this policy This insurance does not apply to any claim or suit for bodily injury property damage or personal and advertising injury arising directly or indirectly out of related to or in any way involving the operation maintenance use entrustment to others or loading or unloading by you or others of any snowmobile all terrain vehicle or any motorized vehicle of any type. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 CAS3105 0413 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY GENERAL LIABILITY Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations Additional Premium Return Premium 0 S0 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE A.The following is added to Paragraph 2. of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or 2 The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Includes Material Insurance Services Office Inc. 2013 Page1of 1 CAS3108 0814 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION VIOLATION OF STATUTES THAT GOVERN E MAILS FAX PHONE CALLS OR OTHER METHODS OF SENDING MATERIAL OR INFORMATION Named Insured Lake Allure Homeowners Association Attached To and Forming Part of Policy Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Additional Premium Return Premiu 0 S0 0100020847 1 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 2. Exclusions This insurance does not apply to DISTRIBUTION OF MATERIAL IN VIOLATION OF STATUTES Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate a. The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law or b. The CAN SPAM Act of 2003 including any amendment of or addition to such law or c. Any statute ordinance or regulation other than the TCPA or CAN SPAM Act of 2003 that prohibits or limits the sending transmitting communicating or distribution of material or information. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to DISTRIBUTION OF MATERIAL IN VIOLATION OF STATUTES Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate a. The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law or b. The CAN SPAM Act of 2003 including any amendment of or addition to such law or c. Any statute ordinance or regulation other than the TCPA or CAN SPAM Act of 2003 that prohibits or limits the sending transmitting communicating or distribution of material or information. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. IS0 Properties Inc. 2004 Page1of 1 CG 00670305 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION PRODUCTS COMPLETED OPERATIONS HAZARD Attached To and Forming Part of Policy 0100020847 1 Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations Named Insured Lake Allure Homeowners Association Additional Premium 0 Return Premium S0 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to bodily injury or property damage included within the products completed operations hazard. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Copyright Insurance Services Office Inc. 1984 Page1of 1 CG21041185 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations nal Premium Return Prey 0 0 Ade 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 Exclusions of Section Coverage B Personal And And Property Damage Liability Advertising Injury Liability 2. Exclusions 2. Exclusions This insurance does not apply to This insurance does not apply to Fungi Or Bacteria Fungi Or Bacteria a. Bodily injury or property damage which a. Personal and advertising injury which would would not have occurred in whole or in part but for the actual alleged or threatened 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 concurrently or in any sequence to such injury or damage. b. Any loss cost or expenses 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. This exclusion does not apply to any fungi or not have taken place in whole or in part but for the actual alleged or threatened 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 concurrently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or 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 bacteria that are are on or are contained in a Section good or product intended for bodily consumption. Fungi means any type or form of fungus including mold ar mildew and anv mveataxine cnarec rente ar xclusion is added to Paragraph 2. tion Coverage A Bodily Injury nage Liability does not apply to eria jury or property damage which have occurred in whole or in part the actual alleged or threatened of ingestion of contact with to existence of or presence of any bacteria on or within a building or including its contents regardless of iny other cause event material or ontributed concurrently or in any to such injury or damage. cost or expenses arising out of the esting for monitoring cleaning up containing treating detoxifying g remediating or disposing of or in esponding to or assessing the effects or bacteria by any insured or by any on or entity. 1 does not apply to any fungi or are are on or are contained in a ct intended for bodily consumption. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal 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 threatened 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 concurrently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or 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 including mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. IS0 Properties Inc. 2003 Page1of 1 CG21671204 | 2 |
NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the federal Terrorism Risk Insurance Act as amended the Act the Company must make available insurance coverage for losses arising out of acts of terrorism as defined in Section 1021 of the Act. This policy includes such coverage for damages arising out of certified acts of terrorism and is limited by the terms conditions exclusions limits other provisions of the coverage quote or renewal application questionnaire to which this offer is attached and by the policy any endorsements to the policy and generally applicable rules of law. The term act of terrorism means any act that is certified by the Secretary of the Treasury in consultation with the Secretary of Homeland Security and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of an air carrier or vessel or the premises of a United States mission and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion YOU SHOULD KNOW THAT COVERAGE PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. UNDER THE FORMULA THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 85 THROUGH 2015 84 BEGINNING ON JANUARY 1 2016 83 BEGINNING ON JANUARY 1 2017 82 BEGINNING ON JANUARY 1 2018 81 BEGINNING ON JANUARY 1 2019 AND 80 BEGINNING ON JANUARY 1 2020 OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. NO PREMIUM IS CHARGED FOR THIS COVERAGE NOR IS ANY CHARGE MADE FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE ACT AS AMENDED CONTAINS A 100 BILLION CAP THAT LIMITS U.S. GOVERNIMIENT REIMBBURSEMENT AS WELL AS INSURERS LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS 100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED 100 BILLION YOUR COVERAGE MAY BE REDUCED. CCOVERAGE FOR INSURED LOSSES AS DEFINED IN THE ACT IS SUBJECT TO THE COVERAGE TERMS CONDITIONS AMOUNTS AND LIMITS IN THIS POLICY APPLICABLE TO LOSSES ARISING FROM EVENTS OTHER THAN ACTS OF TERRORISM. Pagelof1 ADF9010 0115 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM Named Insured Lake Allure Homeowners Association Attached To and Forming Part of Policy Effective Date of Endorsement 06202015 1201AM at the Named Insured address shown on the Declarations al Premium Return Premy 0 0 0100020847 1 Addi This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability B. Under any Medical Payments coverage to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. Insurance Association Mutual Atomic Energy Liability Underwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such policy 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 indemnity 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. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear 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 possessed handled used processed stored transported or disposed of by or on behalf of an insured or 6 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility but if such facility is located within the linited Statec nf America ite torritariec ar B. Under any Medical Payments coverage to expenses incurred with respect to bodily injury il injury or resulting from the hazardous properties of nuclear material and arising out of the operation d under the of a nuclear facility by any person or uclear energy organization. gfgfgty C. Under any Liability Coverage to bodily injury or surance property damage resulting from hazardous heir properties of nuclear material if d under any 1 The nuclear material a is at any nuclear 1 upon facility owned by or operated by or on behalf or of an insured or b has been discharged or operties of dispersed therefrom act to which 2 The nuclear material is contained in spent required to fuel or waste at any time possessed suant to the handled used processed stored transported y law or disposed of by or on behalf of an insured nsured is or or ould be 3 The bodily injury or property damage arises nited States of out of the furnishing by an insured of inder any services materials parts or equipment in nited States of connection with the planning construction with any maintenance operation or use of any nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. IS0 Properties Inc. 2007 Page 1 of 2 1L00 21 09 08 | 2 |
2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special 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 component solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility. Nuclear facility means a Any nuclear reactor forsement rties includes radioactive toxic or ies. means source material special or by product material. special nuclear material and by have the meanings given them in the t of 1954 or in any law amendatory 1s any fuel element or fuel or liquid which has been used or ion in a nuclear reactor. 1y waste material a containing by other than the tailings or wastes xtraction or concentration of m from any ore processed primarily terial content and b resulting n by any person or organization of ty included under the first two definition of nuclear facility. means ar 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 z Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. IS0 Properties Inc. 2007 Page 2 of 2 1L00 21 09 08 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SIGNATURE ENDORSEMENT Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations Additional Premium Return Premiu 0 0 This endorsement modifies insurance provided under the following ALL COVERAGE FORMS By signing and delivering this policy to you we state that it is a valid contract when signed as below by our authorized representatives. W s Secretary P L RSN President ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page1of 1 ADF9004 0110 | 2 |
U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS This Notice shall not be construed as part of your policy and no coverage is provided by this Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages your policy provides. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control administers and enforces sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous Foreign Agents Front Organizations Terrorists Terrorist organizations and Narcotics traffickers as Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpwww.treas.gov ofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments and no premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. Page 1of 1 ADF9009 0110 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NON RENEWAL Attached To and Forming Part of Policy Effective Date of Endorsement Named Insured 0100020847 1 06202015 1201AM at the Named Lake Allure Homeowners Association Insured address shown on the Declarations al Premium. Return Prem 0 0 Addi This endorsement modifies insurance provided under the following ALL COVERAGE FORMS The CANCELLATION and NON RENEWAL sections of the CONDITIONS section of this Policy are deleted and replaced with the following CANCELLATION a. The first named insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. b. During the first 60 days that this policy is in effect 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 if we cancel for nonpayment of premium. 2 60 days before the effective date of cancellation if we cancel for any other reason. c. After coverage has been in effect for more than 60 days or after the effective date of a renewal of this policy 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 if we cancel for nonpayment of premium. 2 60 days before the effective date of cancellation if we cancel for one of the reasons listed below a Discovery of fraud or material misrepresentation in the procurement of the insurance or with respect to any claims submitted under it b The occurrence of a change in the risk that substantially increases any hazard insured against after insurance coverage has been issued or renewed c Aviolation of policy terms and conditions d Loss of reinsurance or a substantial decrease in reinsurance of the risk under this policy e A determination by the Insurance Commissioner that the continuation of the policy would place us in violation of the insurance laws of this state. d. We will mail or deliver our notice to the first named insured s last mailing address known to us. e. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. f. If this policy is cancelled we will send the first named insured any premium refund due subject to the minimum earned premium provisions of the policy. 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. g. If notice is mailed proof of mailing will be sufficient proof of notice. NON RENEWAL a. If we elect not to renew this Coverage we will mail or deliver to the first named insured shown in the Declarations and agent if any a notice of intention not to renew at least 60 days before the agreed expiration date. b. We need not mail or deliver this notice if ADF9031 0610 Page 10f2 Page 1 of 2 | 2 |
1 You have purchased insurance elsewhere 2 You have accepted replacement coverage 3 You have requested or agreed to nonrenewal or 4 This policy is expressly designated as nonrenewable. ALL OTHER TERMS AND CONDITIONS OF THE POLICY REMAIN UNCHANGED. Page 2 of 2 ADF9031 0610 | 2 |
Customer Copy f BITCO INSURANCE COMPANIES Teaet PREMIUM PAYMENT SCHEDULE Payment Plan MM TRANSACTION PREMIUM 3571.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 INSTALLMENT DUE DATE 11012019 01012020 02012020 03012020 04012020 05012020 06012020 07012020 08012020 STATE CHARGES TRANSACTION Downpayment Installment Installment Installment Installment Installment Installment Installment Installment TOTAL PREMIUM 3571.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 Our records indicate your premium will be paid in instaliments. This schedule is provided as a convenience to let you know how much each payment will be and when it will be due. If you are paying your agent your agent will provide you with information on how you should pay the premium. If you are paying us we will send you a bill stating how much you owe and when it must be paid. Please pay the amount due by the due date or your policy may be cancelled for non payment of premium. Named Insured CORING CUTTING SERVICES INC. Policy Number CLP 3 687 298 B Schedule Effective Date 11 01 19 Policy Effective Date 11 01 19 CORING CUTTING SERVICES INC. 120 W 72ND STREET SUITE 200 KANSAS CITY MO 64114 GOX1508 1292 | 2 |
Agent Copy BITCO INSURANCE COMPANIES Teaet PREMIUM PAYMENT SCHEDULE This premium payment schedule replaces the payment provision in the policy listed below. Payment Plan MM INSTALLMENT DUE TRANSACTION STATE TRANSACTION DATE PREMIUM CHARGES Downpayment 11012019 3571.00 Installment 01012020 1784.00 Instaliment 02012020 1784.00 Installment 03012020 1784.00 Instaliment 04012020 1784.00 Installment 05012020 1784.00 Installment 06012020 1784.00 Installment 07012020 1784.00 Installment 08012020 1784.00 INSTALLMENT DUE DATE 11012019 01012020 02012020 03012020 04012020 05012020 06012020 07012020 08012020 STATE CHARGES TRANSACTION Downpayment Installment Installment Installment Instaliment Installment Installment Installment Installment TOTAL PREMIUM 3571.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 1784.00 Our records indicate your premium will be paid in installments. This schedule is provided as a convenience to let you know how much each payment will be and when it will be due. If you are paying your agent your agent will provide you with information on how you should pay the premium. If you are paying us we will send you a bill stating how much you owe and when it must be paid. Please pay the amount due by the due date or your policy may be cancelled for non payment of premium. Named Insured CORING CUTTING SERVICES INC. Policy Number CLP 3 687 298 B Schedule Effective Date 11 01 19 Policy Effective Date 11 01 19 LOCKTON COMPANIES LLC KS CITY SER 444 W. 47TH STREET SUITE 900 KANSAS CITY MO 64112 GOX1508 1292 | 2 |
AGENT INFORMATION PAGE. Insured PolicyNo. CLP 3 687 298 B CoRinG CUTTING SERVICES INC. Previous Policy No. CORING CUTTING SERVICES LITTLE ROCK 2711 SE OTIS CORLEY DR RENEWAL OF CLP 3 674 292 o Co. BITCO GENERAL INSURANCE CORPORATION Policy Period 11 01 19 to 11 01 20 Transaction Date 11 01 19 End No. Insured Insured Contact. MATT MILLER Phone No. 816523 2131 Branch Office KANSAS CITY Producer LOCKTON COMPANIES LLC KS CITY SERIES Prod. Code. 444 W. A47TH STREET SUITE 900 KANSAS CITY MO 64112 Deposit Premium Commission Rate 17843.00.180 Audit ANNUAL P Rollover N Instaliment Plan M No. of Payments Und. Loc. CUR BR REN BR BR AGENCY BILL Date Printed 102819 0006001 FOR AGENTS USE ONLY THIS IS NOT PART OF THE POLICY. GU2318a 0203 Sy e s e e w CORING CUTTING SERVICES INC. revious Policy No. CORING CUTTING SERVICES LITTLE ROCK 271 ENEWAL OF CLP 3 674 292 BENOiEIHSAOZDR BITCO GENERAL INSURANCE CORPORATION olicy Period 11 01 19 to 11 01 20 Transaction Date 11 01 19 End No. 1sured Insured ontact. MATT MILLER Phone No. 816523 2131 ranch Office KANSAS CITY roducer LOCKTON COMPANIES LLC KS CITY SERIES Prod. Code. 444 W. A47TH STREET SUITE 900 KANSAS CITY MO 64112 eposit Premium Commission Rate 17843.00.180 Audit ANNUAL P Rollover N staliment Plan M No. of Payments nd. Loc. CUR BR REN BR BR AGENCY BILL ate Printed 102819 00060 End No. Commission Rate.180 Audit ANNUAL Rollover N No. of Payments BR AGENCY BILL | 2 |
Sl BITCO INSURANCE COMPANIES ek BITCO General Insurance Corporation CAPITAL STOCK INSURANCE COMPANIES 3700 MARKET SQUARE CIRCLE DAVENPORT IOWA 52807 Toll Free Number 1 800 475 4477 CLP 3687 298 GU4843 0416 KANSAS CITY BR | 2 |
NOTICE BITCO BRANCH CLAIM OFFICES 14301 FNB Parkway Ste. 217 Linden Place Omaha NE 68154 Tel 402 614 7880 866 562 6996 toll free 402 614 5763 Fax P.O. Box 12936 Oklahoma City OK 73157 2936 Tel 405 767 2064 800 947 0809 toll free Fax 833 224 1039 Foster Plaza Five 651 Holiday Drive Ste. 220 Pittsburgh PA 15220 2757 Tel 412 937 9000 800 253 1232 toll free Fax 833 224 1041 P.O. Box 10347 Knoxville TN 37939 0347 Tel 865 588 8157 800 374 2318 toll free Fax 865 558 8658 1701 Centerview Drive Ste. 203 Little Rock AR 72211 Tel 501 224 3080 800 876 8147 toli free Fax 844 712 8156 3700 Crestwood Parkway Ste. 650 Duluth GA 30096 5599 Tel 770 923 7551 800 822 2905 toll free Fax 844 377 4676 P.O.Box 718 Shawnee Mission KS 66201 0718 Tel 913 262 4664 800 821 5354 toll free Fax 855 227 6973 111 Veterans Blvd. Ste. 404 Metairie LA 70005 3043 Tel 504 837 5480 800 805 0311 toll free Fax 833 224 1038 P.O. Box 291689 Nashville TN 37229 1689 Tel 615 871 9042 800 342 5786 toll free Fax 833 224 1037 P.O. Box 65605 West Des Moines IA 50265 0605 Tel 515 223 1122 800 383 1122 toll free Fax 844 462 2024 P.O. Box 167968 Irving TX 75016 7968 Tel 972 506 9591 800 683 9591 toll free Fax 833 224 1042 9901 IH 10 West Ste. 1050 San Antonio TX 78230 Tel 210 340 8199 888 857 8031 toll free Fax 844 250 1519 300 N. Meridian Ste. 920 Indianapolis IN 46204 Tel 317 243 6721 800 382 9991 toll free Fax 844 371 2497 12600 W. Colfax Ave. Ste. B310 Lakewood CO 80215 Tel 303 985 9494 877 746 1748 toll free Fax 833 224 1035 P.0. Box 1210 Brookfield Wi 53008 1210 Tol 262 792 9254 800 242 6258 toll free Fax 833 224 1036 P.0. Box 474630 Charlotte NC 28247 Tel 704 341 3725 800 642 2507 toll free Fax 833 200 2221 10733 Sunset Office Drive Ste. 430 St. Louis MO 63127 1033 Tel 314 822 4446 800 723 8632 toll free Fax 833 224 1034 4252 Carmichael Road Ste. 231 Montgomery AL 36106 2804 Tel 334 215 0633 800 239 7400 toll free Fax 334 244 1194 5920 NE Ray Circle Ste. 250 Hillsboro OR 97124 Tel 503 686 7006 844 794 7394 foll free Fax 503 430 0739 HOME OFFICE 3700 Market Square Circle Davenport IA 52807 TELEPHONE NUMBER 563 232 0499 TOLL FREE NUMBER 1 800 475 4477 GU4845 0819 | 2 |
IMPORTANT POLICYHOLDER INFORMATION Arkansas Inquiries concerning your policy should be directed to your insurance agent or to our policyholder customer service unit. The name address and telephone number of your agent if one is involved and the address and phone number of our palicyholder customer service unit are shown below KANSAS CITY P.0. BOX 718 STE. 100 SHAWNEE MISSION KS 66201 0718 800 821 5354 LOCKTON COMPANIES LLC KS CITY SERIES 444 W. 47TH STREET SUITE 900 KANSAS CITY MO 64112 816 960 9000 If you require additional information you may contact the Arkansas Insurance Department at either the following address or phone number Arkansas Insurance Department 1200 West Third Street Little Rock AR 72201 Telephone 501 371 2640 or 800 852 5494 GO1990b 01 10 | 2 |
NOTICE PRIVACY STATEMENT BITCO Insurance Companies is strongly committed to protecting the confidentiality of our customers non public personal information. We collect information about our customers on a routine basis. The collection of this information is necessary to effect administer or enforce a transaction that you our customer have authorized. Even after our business relationship ends your personal information remains confidential. This notice describes our privacy policy and explains how we treat the information we receive about you Information about you is collected through your application for insurance or submission of a claim. This information may include but is not limited to Identification Information such as name address Social Security Number employer identification number date of birth age and gender. Personal Financial Information such as credit history bank account information employment history wage history and bankruptcy information. Medical Information such as a physician s diagnosis and injury information Other Information such as motor vehicie reports courthouse records police fire reports and reports from government agencies i.e. Department of Transportation Environmental Protection Agency. How We Use Your Information We use the information about you to conduct normal business activities as requested by you our customer. Normal business includes servicing or processing an insurance product or service requested by you. Underwriting of your insurance coverage and processing claims on your coverage are normal business activities in which we engage. How We Disclose Your Information We may disclose information necessary to conduct normal business activity or activities required by law or regulation. Information may be disclosed to others to enable them to provide a business service to us. Examples of this situation would be outside medical payment review independent adjusters servicing claims and data gathering organizations needing information for establishing rates. Information may also be sent to regulatory agencies state insurance departments or law enforcement agencies for the prevention of fraud. We may make other disclosures of information as permitted or required by law within the scope of normal business activities We do not make disclosures of information for the purpose of cross selling or marketing nonaffiliated third parties products or services. For example we do not and will not sell your name to a mail order catalog company or other marketing ventures. How We Protect and Secure information Access to your non public personal information is restricted to those who need to know your information to provide products or services to you. Our employees are required to protect and maintain the confidentiality of your information. Employees must follow and comply with established policies and procedures regarding customer privacy. We maintain physical electronic and procedural safeguards to secure your nonpublic personal information. Former Customers The above privacy statement remains in force when a customer relationship no longer exists with you BITCO Insurance Companies will always keep your nonpublic personal information confidential. Questions If you have any questions regarding this privacy statement please contact our privacy coordinator at 1 800 475 4477. BITCO General Insurance Corporation BITCO National Insurance Company GU3076 0416 | 2 |
ADVISORY NOTICE TO POLICYHOLDERS U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC NO COVERAGE IS PROVIDED BY THIS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE ANY PROVISIONS OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW YOUR DECLARATIONS PAGE FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE PROVIDED. THIS NOTICE PROVIDES INFORMATION CONCERNING POSSIBLE IMPACT ON YOUR INSURANCE COVERAGE DUE TO DIRECTIVES ISSUED BY OFAC. PLEASE READ THIS NOTICE CAREFULLY. The Office of Foreign Assets Control OFAC administers and enforces sanctions policy based on Presidential declarations of national emergency. OFAC has identified and listed numerous Foreign agents Front organizations Terrorists Terrorist organizations and Narcotics traffickers As Specially Designated Nationals and Blocked Persons. This list can be located on the United States Treasury s web site httpAwww. treas.govofac. In accordance with OFAC regulations if it is determined that you or any other insured or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person as identified by OFAC this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract no payments or premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. Copyright Insurance Services Office Inc. 2003 GU4320 0504 Page 1 of 1 | 2 |
BITCO INSURANCE COMPANIES Issuing and Policyholder Servicing Office 3700 Market Square Circle Davenport 1A 52807 POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE You are hereby notified that under the Terrorism Risk Insurance Act as amended you have a right to purchase insurance coverage for losses resulting from acts of terrorism as defined in Section 1021 ofhe Act. The term act of terrorism means any act that is certified by the Secretary of the Treasury in consultation with the Secretary of Homeland Security and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. YOU SHOULD KNOW THAT WHERE COVERAGE IS PROVIDED BY THIS POLICY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM SUCH LOSSES MAY BE PARTIALLY REIMBURSED BY THE UNITED STATES GOVERNMENT UNDER A FORMULA ESTABLISHED BY FEDERAL LAW. HOWEVER YOUR POLICY MAY CONTAIN OTHER EXCLUSIONS WHICH MIGHT AFFECT YOUR COVERAGE SUCH AS AN EXCLUSION FOR NUCLEAR EVENTS. UNDER THE FORMULA THE UNITED STATES GOVERNMENT GENERALLY REIMBURSES 85 THROUGH 2015 84 BEGINNING ON JANUARY 1 2016 83 BEGINNING ON JANUARY 1 2017 82 BEGINNING ON JANUARY 1 2018 81 BEGINNING ON JANUARY 1 2019 AND 80 BEGINNING ON JANUARY 1 2020 OF COVERED TERRORISM LOSSES EXCEEDING THE STATUTORILY ESTABLISHED DEDUCTIBLE PAID BY THE INSURANCE COMPANY PROVIDING THE COVERAGE. THE PREMIUM CHARGED FOR THIS COVERAGE IS PROVIDED BELOW AND DOES NOT INCLUDE ANY CHARGES FOR THE PORTION OF LOSS THAT MAY BE COVERED BY THE FEDERAL GOVERNMENT UNDER THE ACT. YOU SHOULD ALSO KNOW THAT THE TERRORISM RISK INSURANCE ACT AS AMENDED CONTAINS A 100 BILLION CAP THAT LIMITS U.S. GOVERNMENT REIMBURSEMENT AS WELL AS INSURERS LIABILITY FOR LOSSES RESULTING FROM CERTIFIED ACTS OF TERRORISM WHEN THE AMOUNT OF SUCH LOSSES IN ANY ONE CALENDAR YEAR EXCEEDS 100 BILLION. IF THE AGGREGATE INSURED LOSSES FOR ALL INSURERS EXCEED 100 BILLION YOUR COVERAGE MAY BE REDUCED. Acceptance or Rejection of Terrorism Insurance Coverage FAILURE TO RETURN THIS SIGNED FORM PRIOR TO POLICY INCEPTION INDICATING AN ELECTION TO PURCHASE TERRORISM COVERAGE AS DEFINED BY THE ACT WILL BE DEEMED YOUR REJECTION OF TERRORISM COVERAGE. HOWEVER PAYMENT OF THE TERRORISM PREMIUM PRIOR TO POLICY INCEPTION WILL BE DEEMED AN ACCEPTANCE OF THIS OFFER OF TERRORISM COVERAGE. Please indicate your section by an hereby elect to purchase terrorism coverage for a prospective premium of 83. hereby decline to purchase terrorism coverage for certified acts of terrorism. 1 understand that will have no coverage for losses resulting from certified acts of terrorism CORING CUTTING SERVICES INC. CLP 3 687 298 Name of Insured Policy Number BITCO GENERAL INSURANCE CORPORATION 11 01 19 Name of Insurer Effective Date Policyholder Applicant s Signature T Date Print Name BITCO INSURANCE COMPANIES BITCO General Insurance Corporation BITCO National Insurance Company GU4871 0416 | 2 |
BITCO INSURANCE COMPANIES 3700 MARKET SQUARE CIRCLE DAVENPORT IOWA 52807 Remuneration is the total gross earings of your employees. See Overtime below for further details. Gross sales is the gross amount charged by you for your products services or rfentals Total subcontractor cost is the cost to you of all work you let or sublet. Cost of material and equipment you furnished to your subcontractors may be handled differently under workers compensation than general liability coverage. Consult with your auditor for further information. Overtime in most states the penalty portion of overtime payroll or the amount paid in excess of the regular rate of pay is excluded from the total payroll on which the premium is based You must however maintain your records to show separately by employee and in summary by type of work the amount of overtime paid. Overtime deductions under workers compensation currently are not applicable in the states of Delaware Pennsylvania Utah Nevada and to Stevedoring Operations. Payroll Segregation Insurance rates differ by type of work performed. The Premium Auditor must place each employee in the proper occupational category or insurance classification approved by the state. Since each classification has a different premium rate proper placement s important By segregating your employee payroll records by type of work you should receive a more prompt and equitable premium adjustment. Consolidated Wrap Up Insurance Programs It you are a contractor involved in a consolidated wrap up insurance program your payroli receipts will not be automatically excluded from our audit. Please be sure to contact your agent before you begin working under a wrap up program. If your policies are not endorsed properly payrollireceipts will not be excluded from the audi. WHY IS AN AUDIT NECESSARY This policy was issued with an estimated premium which requires an adjustment after the policy expires. The estimated premium for this type of policy is usually based on the amount of your payroll sales or subcontractor cost during the term of the policy After the policy expires and the actual amount of the payroll sales or cost can be determined the estimated premium is adjusted to develop the final premium. If the adjusted premium is less than the estimated premium the difference will be refunded. If it is more you will receive a bill for the additional premium WHO WILL MAKE THE AUDIT When the policy expires either a Premium Auditor will make an appointment with you to review the records that pertain to your company payrolls and other exposures covered by your policyies with BITCO or a Policyholder s Report will be mailed to you for completion Premium Auditors are knowledgeable in both accounting and insurance and will obtain the necessary information to make the premium adjustment with a minimum of inconvenience to your staff. WHAT WILL THE PREMIUM AUDITOR DO The Premium Auditor wili examine your books of original entry and ledger accounts that pertain to the variable factors on which the premium is based. The payroll portion of the audit will normaily be verified to your quarterly tax reports. Additionally during the course of the audt the Auditor may also ask some questions about your records and personally observe the various operations of your business. Automated Records If your records are automated or if they will be automated in the near future the Premium Auditor will be pleased to assist you in sefting up your records to include insurance requirements Premium Base The most common premium bases are total remuneration payroll gross sales and total subcontractor cost. A rate is appiied to the premium base to develop the premium. The premium base used is determined by the type of policy and by the type of business being insured Remuneration is the total gross earings of your employees. See Overtime below for further details. Gross sales is the gross amount charged by you for your products services or rfentals Total subcontractor cost is the cost to you of all work you let or sublet. Cost of material and equipment you furnished to your subcontractors may be handled differently under workers compensation than general liability coverage. Consult with your auditor for further information. Overtime in most states the penalty portion of overtime payroll or the amount paid in excess of the regular rate of pay is excluded from the total payroll on which the premium is based You must however maintain your records to show separately by employee and in summary by type of work the amount of overtime paid. Overtime deductions under workers compensation currently are not applicable in the states of Delaware Pennsylvania Utah Nevada and to Stevedoring Operations Payroll Segregation Insurance rates differ by type of work performed. The Premium Auditor must place each employee in the proper occupational category or insurance classification approved by the state. Since each classification has a different premium rate proper placement is important By segregating your employee payroll records by type of work you should receive a more prompt and equitable premium adjustment. Consolidated Wrap Up Insurance Programs It you are a contractor involved in a consolidated wrap up insurance program your payroli receipts will not be automatically excluded from our audit. Please be sure to contact your agent before you begin working under a wrap up program. If your policies are not endorsed properly payrollireceipts will not be excluded from the audi. SUBCONTRACTORS PREMIUM CHARGES Workers Compensation You may be held responsible when a subcontractor s employee is injured. Most Workers Compensation laws provide that the general or principal contractor shall be responsible for compensation to employees. of subcontractors in the absence of appropriate subcontractors coverage For this reason it is important that each subcontractor you use furnish you with certficates of insurance. Failure to secure a subcontractor s certificate of insurance will result in an additional premium charge. The premium auditor will ask to see these certificates of insurance as proof that each subcontractor was separately insured. General Liability Your general liabilty policy may contain subcontractor classifications with rates based on operations performed for you by adequately insured subcontractors. It any of your subcontractors do not have proof of adequate insurance we will charge for the subcontractors without adequate insurance as if they were your employees. This usually means that a higher rate will be charged to you. It is important for you to verify the limits of insurance carried by your subcontractors by securing a certificate of insurance from each and every one of them For rating or audit purposes we consider adequate limits of insurance for your subcontractors to be at least 1000000 per ocourrence and aggregate or limits of insurance equal to your own limits of insurance. Independent of the audit process our underwriting requirements may require limits higher than 1000000 depending on type of work involved. Your agent will be able to help you determine subcontractor limits that could protect your assets and satisty underwriting requirements. BITCO General Insurance Corporation BITCO National Insurance Company GU2368 1218 | 2 |
QUICK REFERENCE COMMERCIAL GENERAL LIABILITY COVERAGE PART READ YOUR POLICY CAREFULLY The Commercial General Liability Coverage Part in your policy consists of Declarations a Coverage Form either CG 00 01 or CG 00 02 Common Policy Conditions and Endorsements if applicable. Following is a Quick Reference indexing of the principal provisions contained in each of the components making up the Coverage Part listed in sequential order except for the provisions in the Declarations which may not be in the sequence shown. DECLARATIONS Named Insured and Mailing Address Policy Period Description of Business and Location of Premises Limits of Insurance Forms and Endorsements applying to the Coverage Part at time of issue COVERAGE FORM CG 00 01 or CG 00 02 SECTION COVERAGES Coverage A Bodily Injury and Property Damage Liability Insuring Agreement Exclusions Coverage B Personal and Advertising Injury Liability Insuring Agreement Exclusions Coverage C Medical Payments Insuring Agreement Exclusions Supplementary Payments SECTION I WHO IS AN INSURED SECTION II LIMITS OF INSURANCE SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Bankruptcy Duties in the Event of Occurrence Claim or Suit Legal Action Against Us Other Insurance Premium Audit Representations Separation of Insureds Transfer of Rights of Recovery Against Others to Us When We Do Not Renew applicable to CG 00 02 only Your Right to Claim and Occurrence Information applicable to CG 00 02 only SECTION V EXTENDED REPORTING PERIODS applicable to CG 00 02 only SECTION VI DEFINITIONS SECTION V in CG 00 01 COMMON POLICY CONDITIONS IL 00 17 Cancellation Changes Examination of Your Books and Records Inspections and Surveys Premiums Transfer of Your Rights and Duties under this Policy ENDORSEMENTS If Any GU2510 0696 | 2 |
FLOOD INSURANCE NOTICE Applicable to Commercial Fire or Commercial Inland Marine Policies NO COVERAGE IS PROVIDED BY THIS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE ANY PROVISION OF YOUR POLICY. YOU SHOULD READ YOUR POLICY AND REVIEW YOUR DECLARATIONS PAGE FOR COMPLETE INFORMATION ON THE COVERAGES YOU ARE PROVIDED. IF THERE IS ANY CONFLICT BETWEEN THE POLICY AND THIS SUMMARY THE PROVISIONS OF THE POLICY SHALL PREVAIL. Your policy does not provide coverage for loss caused by flood surface water waves tidal water or any other overflow of a body of water. You will not have coverage for property damage caused by these waters unless you take steps to purchase a separate policy of flood insurance at an additional premium from the National Flood Insurance Program 42 U.S.C. 4001 et seq. If you would like more information about obtaining coverage under the National Flood Insurance Program please contact your agent or this company. Copyright American Association of Insurance Services 2000 GU2990 0500 | 2 |
POLICY FORMS AND ENDORSEMENTS | 2 |
COMMERCIAL LINES POLICY DECLARATIONS COMPANY BITCO GENERAL INSURANCE CORPORATION CAPITAL STOCK INSURANCE COMPANIES 3700 MARKET SQUARE CIRCLE DAVENPORT IOWA 52807 POLICY NO. CLP 3 687 298 B RENEWAL OF CLP 3 674 292 Named Insured and Mailing Address CORING CUTTING SERVICES INC. CORING CUTTING SERVICES LITTLE ROCK Dlndlvwdua Partnership 2711 SE OTIS CORLEY DR BENTONVILLE AR 72712 Organization including a corpor. including a partnership. joint ven CORING CUTTING SERVICES INC. CORING CUTTING SERVICES LITTLE ROCK individual Partnership 2711 SE OTIS CORLEY DR BENTONVILLE AR 72712 ZlOrgamzalicn mcbudmgacorporaton but not including a partnership joint venture or limited liability company Business Description GENERAL CONTRACTOR Other Policy Period From 11 01 19 to 11 01 20 1201 A.M. at your mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM AND SUBJECT TO ALL THE TERMS OF THIS POLICY WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. DESCRIPTION OF BUSINESS Location of All Premises You Own Rent or Occupy See Schedule of All Premises Locations MORTGAGE HOLDERS AND OR LOSS PAYEES See Schedule of Mortgage Holders andor Loss Payees. PREMIUM See Attached Declarations for Detailed Information 17743.00 100.00 NOT COVERED NOT COVERED Commercial General Liability Commercial Property Commercial Inland Marine Commercial Crime RS L2 s 17743.00 100.00 NOT COVERED NOT COVERED State Charges Deposit Premium 17843.00 Premium Adjustment Period ANNUAL FORMS AND ENDORSEMENTS Forms and Endorsements applying to this Coverage Form and made part of this policy at time of issue See Schedule of Forms and Endorsements Countersigned By Authorized Representative THESE DEGLARATIONS TOGETHER WITH THE COVERAGE FORMS AND FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. includes copyrighted materlal of Insuranca Servicas Offic Inc. with its permission Copyright Insurance Services Office Inc. 1984 1985 Insured s Copy CLP2584 0416 | 2 |
COMMERCIAL GENERAL LIABILITY DECLARATIONS COMPANY BITCO GENERAL INSURANCE CORPORATION CAPITAL STOCK INSURANCE COMPANIES 3700 MARKET SQUARE CIRCLE DAVENPORT IOWA 52807 POLICY NO. CLP 3 687 298 B RENEWAL OF CLP 3 674 292 Named Insured and Mailing Address CORING CUTTING SERVICES INC. CORING CUTTING SERVICES LITTLE ROCK 2711 SE OTIS CORLEY DR BENTONVILLE AR 72712 Policy Period From 11 01 19 to 11 01 20 1201 AM. at your mailing address shown above. IN RETURN FOR THE PAYMENT OF THE PREMIUM AND SUBJECT TO ALL THE TERMS OF THIS POLICY WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM Each Occurrence Limit 1000000 Damage to Premises Rented To You Limit 300000 Any One Premises Medical Expense Limit 5000 Any One Person Personal and Advertising Injury Limit 1000000 Any One Person or QOrganization General Aggregate Limit 2000000 Products Completed Operations Aggregate Limit 2000000 RETROACTIVE DATE CG 00 02 Only Coverage A of this insurance does not apply to bodily injury or property damage which occurs before the Retroactive Date if any shown here DESCRIPTION OF BUSINESS Location of All Premises You Own Rent or Occupy See Schedule of All Premises Locations PREMIUM Commercial General Liability See Attached Schedule Premium Adjustment Period ANNUAL FORMS AND ENDORSEMENTS Forms and Endorsements applying to this Coverage Form and made part of this policy at time of issue. See Schedule of Forms and Endorsements Insured s Copy GL2438 PKG 0416 | 2 |
SCHEDULE OF ALL PREMISES LOCATIONS NAMED INSURED POLICY NUMBER CORING CUTTING SERVICES INC. CLP 3 687 298 PREM. BLDG. DESIGNATED PREMISES NO. NO. ADDRESS CITY STATE ZIP CODE OCCUPANCY 001 001 2711 SE OTIS CORLEY DR BENTONVILLE AR 72712 002 001 1107 N REDMOND RD JACKSONVILLE AR 72076 001 BENTONVILLE AR 72712 1107 N REDMOND RD JACKSONVILLE AR 72076 1107 N REDMOND RD JACKSONVILLE AR 72076 nan nan nan nan 1.0 GOX2281 1292 | 2 |
SCHEDULE OF FORMS AND ENDORSEMENTS NAMED INSURED POLICY NUMBER CLP 3 687 298 CORING CUTTING SERVICES INC. G0 19908 GU3076 GU4320 GU4871 GU2368 GU 2510 GU2990 GOX 2281 GOX 2279 CLP2584 IL 09 85 IL 00 03 IL 00 17 IL 00 21 1L 01 63 IL 01 99 IL 02 31 IL 09 35 IL 09 52 GL2438 PKG GOX2446 CG 00 01 GL2784 GL3084 L 1751b L 2474a CG 03 00 CG 04 35 CG 25 04 CG 01 42 CG 21 09 CG 21 47 CG 21 65 CG 21 67 6 2170 CG 21 86 CG 22 34 G 2279 GL4302 GL4666 GOX2545A Cp 00 10 CP 00 90 CpP 10 30 CpP 01 40 CP4753 MAN CO MAN CO MAN CO 0110 0416 0504 0416 1218 0696 0500 1292 1292 0416 0115 0908 1198 0908 1017 0908 0908 0702 0115 0416 0795 0413 0911 0911 0914 0299 0196 1207 0509 0711 0615 1207 1204 1204 0115 1204 0413 0413 0914 0111 0411 1012 0788 0917 0706 0113 0102 0102 0102 IMPORTANT POLICYHOLDER INFORMATION ARKANSAS PRIVACY STATEMENT ADVISORY NOTICE TO POLICYHOLDERS POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE AUDIT INFORMATION QUICK REFERENCE COMMERCIAL GENERAL LIABILITY COVERAGE PART FLOOD INSURANCE NOTICE SCHEDULE OF PREMISES LOCATIONS SCHEDULE OF FORMS AND ENDORSEMENTS COMMERCIAL LINES POLICY DECLARATIONS DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT CALCULATION OF PREMIUM COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT ARKANSAS CHANGES ARKANSAS CHANGES TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US ARKANSAS CHANGES CANCELLATION AND NONRENEWAL EXCLUSION OF CERTAIN COMPUTER RELATED LOSSES CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM COMMERCIAL GENERAL LIABILITY DECLARATIONS COMMERCIAL GENERAL LIABILITY SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE FORM EXTENDED LIABILITY COVERAGE BUILDERS EXTENDED LIABILITY COVERAGE EXCLUSION ASBESTOS EXCLUSION LEAD DEDUCTIBLE LIABILITY INSURANCE EMPLOYEE BENEFITS LIABILITY COVERAGE DESIGNATED LOCATIONS GENERAL AGGREGATE LIMIT ARKANSAS CHANGES EXCLUSION UNMANNED AIRCRAFT EMPLOYMENT RELATED PRACTICES EXCLUSION TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION AND A HOSTILE FIRE EXCEPTION FUNGI OR BACTERIA EXCLUSION CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM EXCLUSION EXTERIOR INSULATION AND FINISH SYSTEMS EXCLUSION CONSTRUCTION MANAGEMENT ERRORS AND OMISSIONS EXCLUSION CONTRACTORS PROFESSIONAL LIABILITY SILICA EXCLUSION EXCLUSION ENGINEERS ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY COMMERCIAL PROPERTY SCHEDULE BUILDING AND PERSONAL PROPERTY COVERAGE FORM COMMERCIAL PROPERTY CONDITIONS CAUSES OF LOSS SPECIAL FORM EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA NEWLY ACQUIRED PROPERTY AT DESCRIBED PREMISES MANUSCRIPT ENDORSEMENT MANUSCRIPT ENDORSEMENT MANUSCRIPT ENDORSEMENT AL GENERAL LIABILITY COVERAGE PART IONS RSEMENTS CLARATIONS RORISM RISK INSURANCE ACT XCLUSTION ENDORSEMENT CELLATION AND NONRENEWAL OMPUTER RELATED LOSSES TIFIED ACTS OF TERRORISM BILITY DECLARATIONS BILITY SCHEDULE BILITY COVERAGE FORM ERAGE ILITY COVERAGE NSURANCE ILITY COVERAGE GENERAL AGGREGATE LIMIT IRCRAFT CTICES EXCLUSION JON WITH A BUILDING HEATING COOLING AND T EXCEPTION AND A HOSTILE FIRE EXCEPTION USION TIFIED ACTS OF TERRORISM NSULATION AND FINISH SYSTEMS ON MANAGEMENT ERRORS AND OMISSIONS S PROFESSIONAL LIABILITY ARCHITECTS OR SURVEYORS PROFESSIONAL HEDULE PROPERTY COVERAGE FORM INDITIONS AL FORM TO VIRUS OR BACTERIA Y AT DESCRIBED PREMISES GOX2279 1292 | 2 |
COMMERCIAL GENERAL LIABILITY SCHEDULE NAME EFFECTIVE DATE POLICY NUMBER CORING CUTTING SERVICES INC. 11 01 19 CLP 3 687 298 LOCATION OF PREMISES YOU OWN RENT OR OCCUPY SEE SCHEDULE OF ALL PREMISES LOCATIONS MINIMUM ADVANCE RATE PREMIUM PREMIUM PREMISES TERR STATE CLASS 15150 PREMIUM BASIS 875000 PAYROLL PER 1000 COMPQOSITE RATE GROUP 001 CONTRACTING LOW PREMISES QPERATIONS MISCELLANEOUS 19.653 17196 PRODUCTS COMPLETED OPERATIONS PREMISES 001001 TERR STATE CLASS 91560 PREMIUM BASIS TERRORISM.004 32.009 46 PREMISES 0017001 TERR STATE CLASS 91590 PREMIUM BASIS TERRORISM.004 4 PREMISES TERR STATE AR CLASS 92100 PREMIUM BASIS EMPLOYEE BENEFITS PREMISES OPERATIONS MISCELLANEOUS 465 465 PREMISES TERR STATE CLASS PREMIUM BASIS PREMISES TERR STATE CLASS PREMIUM BASIS GOX2446 0795 LASS 15150 PREMIUM BASIS 875000 PAYROLL PER 1000 DMPOSITE RATE GROUP 001 ONTRACTING LOW PREMISES QPERATIONS MISCELLANEOUS 19.653 1719 PRODUCTS COMPLETED OPERATIONS nan nan nan nan 19.653 LASS 91560 RRORISM PREMIUM BASIS.004.009 nan nan nan nan 0.004 nan 0.009 ASS 91590 PREMIUM BASIS RRORISM.004 nan nan nan nan 0.004 ASS 92100 IPLOYEE BENEFITS PREMIUM BASIS PREMISES OPERATIONS MISCELLANEOUS 465 45 nan nan nan nan 465.0 LASS PREMIUM BASIS LASS PREMIUM BASIS | 2 |
COMMERCIAL PROPERTY SCHEDULE NAME EFFECTIVE DATE POLICY NUMBER CORING CUTTING SERVICES INC. 11 01 19 CLP 3 687 298 Location Of Premises You Own Rent or Occupy SEE SCHEDULE OF ALL PREMISES LOCATIONS Premises 001 Building 001 Coverage BUILDING Covered Causes of Loss SPECIAL Construction FRAME Other Provisions Agreed Value Business Income Monthly Limit Provisions Extended Peried of Indemnity Extra Expense Provisions Limits On Loss Payment Limit of Insurance Deductible 500 Coinsurance 80 Reporting 5305 Exclusions Replacement Cost I l Inflation Guard EMaximum Period of Indemnity Earthquake Deductible days Electronic Media Limitation Period in Premises Building Coverage Covered Causes of Loss Construction Other Provisions Agreed Value Business Income Monthly Limit Provisions Extended Period of Indemnity Extra Expense Provisions Limits On Loss Payment Construction Other Provisions Agreed Value Limit of Insurance Business Income Monthly Limit Provisions Extended Period of Indemnity Extra Expense Provisions Limits On Loss Payment Deductible Coinsurance Reporting D Exclusions Inflation Guard l Replacement Cost I Maximum Period of Indemnity Earthquake Deductible days Electronic Media Limitation Period in Premises Building Limit of Insurance Deductible Coverage Coinsurance Reporting Covered Causes of Loss Exclusions l Replacement Cost Inflation Guard Maximum Period of Indemnity Earthquake Deductible days Electronic Media Limitation Period in iaing. vul LTIt O isUraiive. 9J9U9 EUULIIVIE 9IVv Coinsurance 80 Reporting. SPECTAL Exclusions Exclusions ovisions Extended Pericd of Indemnity days tra Expense Provisions Limits On Loss Payment Electronic Media Limitation Period Limit orinsurance. wedutlivie Coinsurance Reporting I l ises of Loss Exclusions ovisions Extended Period of Indemnity days tra Expense Provisions Limits On Loss Payment Electronic Media Limitation Period ises of Loss LIt vl nsutaiive. EHWARIVIE 9 Coinsurance Reporting Exclusions Exclusions ovisions Extended Period of Indemnity days itra Expense Provisions Limits On Loss Payment Electronic Media Limitation Period in GOX2545a 0411 | 2 |
IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM QUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART 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 The premium shown in the Declarations was computed based on rates in effect at the time the policy was is sued. On each renewal continuation or anniversary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. 1SO Properties Inc. 2007 Page1of 1 1L 00 03 09 08 | 2 |
ILoo17 1198 A D. COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliver ing to us advance written notice of cancellation. We may cancel this policy by mailing or delivering to the first Named Insured written notice of can cellation at least a. 10 days before the effective date of cancella tion if we cancel for nanpayment of premium or b. 30 days before the effective date of cancella tion if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation wili be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suffi cient 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 author ized 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 to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time b. Give you reports on the conditions we find and. Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not under take to perform the duty of any person or organi zation to provide for the health or safety of work ers or the public. And we do not warrant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or stan dards. 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 in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification un der state or municipal statutes ordinances or regulations of boilers pressure vessels or eleva tors. 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. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named 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 hav ing proper temporary custody of your property will have your rights and duties but only with respect to that property. Page 1 of 1 Copyright Insurance Services Office Inc. 1998 iLoo 171198 | 2 |
1L00 210908 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear en ergy liability policy issued by Nuclear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwriters Nuclear Insur ance Association of Canada or any of their successors or would be an insured under any such policy but for its termination upon ex haustion 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 amen datory thereof or b the insured is or had this policy not been issued would be entitlied to indemnity from the United States of Amer ica or any agency thereof under any agree ment entered into by the United States of America or any agency thereof with any per son or organization B. Under any Medical Payments coverage to ex penses incurred with respect to bodily injury re sulting from the hazardous properties of nu clear material and arising out of the operation of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an insured of sefvices materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 ap plies only to property damage to such nu clear facility and any property thereat.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an insured of sefvices materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 ap plies only to property damage to such nu clear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. Page 1 of 2 IS0 Properties Inc. 2007 1L 00 21 09 08 | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel compo nent solid or liquid which has been used or exposed to radiation in a nuclear reactor Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed pri marily for its source materia content and b result ing from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition 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 plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging d Any equipment or device used for the proc essing fabricating or alloying of special nu clear material if at any time the total amount of such material in the custody of the in sured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fission able material Property damage includes all forms of radioactive contamination of property. Page 2 of 2 IS0 Properties Inc. 2007 IL 0021 0908 | 2 |
IL01631017 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERGCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART A. When this endorsement is attached to the Standard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy. B. The following is added to the Common Policy Conditions d. Each party will 1 Pay its chosen appraiser and 2 Bear the other expenses of the appraisal and umpire equally. C.2. The Appraisal Condition in Business Income Multiyear Policies We may issue this policy for a term in excess of 12 months with the premium adjusted on an annual basis in accordance with our rates and rules C.1. Except as provided in C.2. below the Appraisal Condition if any is replaced by the following a. If we and you disagree on the value of the property or the amount of loss loss either party may make a written request for an appraisal of the loss loss. However an appraisal will be made only if both we and you agree voluntarily to have the loss loss appraised. If so agreed each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they can not agree either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the value of the property and amount of loss loss. If they fail to agree they will submit their differences to the umpire. b. An appraisal decision will not be binding on either party. c. If there is an appraisal we will still retain our right to deny the claim Coverage Form And Extra Expense CP 00 30 Business Income Coverage Form Without Extra Expense CP 00 32 and Capital Assets Program Coverage Form Output Palicy OP 0001 Paragraph A.7. Business Income And Extra Expense is replaced by the following a. If we and you disagree on the amount of Net Income and operating expense or the amount of loss either party may make a written request for an appraisal of the loss. However an appraisal will be made only if both we and you agree voluntarily to have the loss appraised. If so agreed each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they can not agree either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of Net Income and operating expense or amount of loss. If they fail to agree they will submit their differences to the umpire b. An appraisal decision will not be binding on either party.. If there is an appraisal we will still retain our right to deny the claim. d. Each party will 1 Pay its chosen appraiser and 2 Bear the other expenses of the appraisal and umpire equally. C.2. The Appraisal Condition in Business Income Coverage Form And Extra Expense CP 00 30 Business Income Coverage Form Without Extra Expense CP 00 32 and Capital Assets Program Coverage Form Output Palicy OP 0001 Paragraph A.7. Business Income And Extra Expense is replaced by the following a. If we and you disagree on the amount of Net Income and operating expense or the amount of loss either party may make a written request for an appraisal of the loss. However an appraisal will be made only if both we and you agree voluntarily to have the loss appraised. If so agreed each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If they can not agree either may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of Net Income and operating expense or amount of loss. If they fail to agree they will submit their differences to the umpire b. An appraisal decision will not be binding on either party.. If there is an appraisal we will still retain our right to deny the claim. Insurance Services Office Inc. 2017 Page 1 of 2 ILo1631017 | 2 |
D.1. E.1. d. Each party will 1 Pay its chosen appraiser and 2 Bear the other expenses of the appraisal and umpire equally. This Paragraph D.2. does not apply to the following Farm Liability Coverage Form Legal Liability Coverage Form. The two year limitation in the Legal Action Against Us Condition is changed to five years. This Paragraph E.2. does not apply to the fallowing Crime and Fidelity Coverage Part Farm Liability Coverage Form Legal Liability Coverage Form Mortgageholders Errors And Omissions Coverage Form. The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition We will be entitled to recovery only after the insured insured has been fully compensated for the loss loss or damage sustained. F. The following is added to the Transfer Of Your Rights Of Recovery Against Others To Us Condition for the Crime and Fidelity Coverage Part Notwithstanding the procedures set forth in the Recoveries Condition we will be entitled to recovery only after the insured has been fully compensated for the loss sustained. G. The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition in Legal Liability Coverage Form CP 0040 and Mortgageholders Errors And Omissions Coverage Form CP 00 70 We will be entitled to recovery only after the insured has been fully compensated for the loss or damage sustained including expenses incurred in obtaining full compensation for the loss or damage. H. In accordance with ARK. CODE ANN. 23 88 1086 we are providing notice of the following Unless otherwise provided by this policy we may deduct expense depreciation. Expense depreciation is defined as depreciation including but not limited to the cost of goods materials labor and services necessary to replace repair or rebuild damaged property. If expense depreciation is applied to a loss for damaged property the insurer shall provide a written explanation as to how the expense depreciation was calculated. Page 2 of 2 Insurance Services Office Inc. 2017 IL01631017 | 2 |
IL 019909 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement madifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition We will be entitled to recovery only after the insured insured has been fully compensated for the loss or damage sustained including expenses incurred in obtaining full compensation for the loss or damage. Page 1 of 1 1SO Properties Inc. 2007 IL 01 99 09 08 | 2 |
IL 02 3109 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 5. of the Cancellation Common Policy d. The canceliation will be effective even if we Condition is replaced by the following have not made or offered a refund 5.a. If this policy is cancelled we will send the e. If the first Named Insured cancels the pol first Named Insured any premium refund icy we will retain no less than 100 of the due premium subject to the following b. We will refund the pro rata unearned pre 1 We will retain no less than 250 of the mium if the policy is premium for the Equipment Breakdown 1 Cancelled by us or at our request Coverage Part. 2 Cancelled but rewritten with us or in our company group 2 We wili retain the premium developed for any annuat policy period for the Gen eral Liability Classifications if any 3 Cancelled because you no longer have shown in the Declarations. an insurable interest in the property or N business operation that is the subject of 3 If the Commercial Auto Coverage Part covers only snowmobiles or goifmobiles we will retain 100 or the premium 4 Cancelled after the first year of a pre shown in the Declarations whicphever is paid policy that was written for a term of greater. more than one year. this insurance or 4 If the Commercial Auto Coverage Part. If the policy is cancelled at the request of covers an auto with a mounted the first Named Insured other than a can amusement device we will retain the cellation described in b.2 3 or 4 above premium shown in the Declarations for we will refund 90 of the pro rata unearned the amusement device and not less than premium. However the refund will be less 100 for the auto to which it is attached. than 90 of the pro rata unearned premium if the refund of such amount would reduce the premium retained by us to an amount less than the minimum premium for this pol icy. Page 1 of 2 ISO Properties Inc. 2007 IL 0231 09 08 | 2 |
B. The following is added to the Cancellation Com mon Policy Condition 7. Cancellation Of Policies In Effect More Than 60 Days a. If this policy has been in effect more than 60 days or is a renewal policy we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge in obtaining the policy continuing the pol icy or in presenting a claim under the policy 8 The occurrence of a material change in the risk which substantially increases any hazard insured against after policy issuance 4 Violation of any local fire health safety building or construction regulation or or dinance with respect to any insured property or its occupancy which sub stantially increases any hazard insured against under the policy 5 Nonpayment of membership dues in those cases where our by laws agree ments or other legal instruments require payment as a condition of the issuance and maintenance of the policy or 6 A material violation of a material provi sion of the policy. b. Subject to Paragraph 7.c. if we cancel for 1 Nonpayment of premium we wilf mail or deliver written notice of cancellation stating the reason for cancellation to the first Named Insured and any lien holder or loss payee named in the policy at least 10 days before the effective date of cancellation. 2 Any other reason we will mail or deliver notice of cancellation to the first Named Insured and any lienholder or loss payee named in the policy at least 20 days before the effective date of cancel lation. c. The following applies to the Farm Umbrella Liability Policy Commercial Liability Um brella Coverage Part and the Commercial Automobile Coverage Part 1 If we cancel for nonpayment of pre mium we will mail or deliver written no tice of cancellation stating the reason for canceliation to the first Named In sured and any lienholder or loss payee named in the policy and any lessee of whom we have received notification prior to the loss at least 10 days before the effective date of cancellation 2 If we cancel for any other reason we will mail or deliver notice of cancellation to the first Named Insured and any lien holder or loss payee named in the pol icy and any lessee of whom we have received notification prior to the loss at least 20 days before the effective date of cancellation C. Paragraph g. of the Mortgageholders Condition if any is replaced by the following g. If we elect not to renew this policy we will give written notice to the mortgageholder 1 As soon as practicable if nonrenewal is due to the first Named Insured s failure to pay any premium required for re newal or 2 At least 60 days before the expiration date of this policy if we nonrenew for any other reason. D. The following Condition is added and supersedes any other provision to the contrary. NONRENEWAL 1. If we decide not to renew this policy we will mail to the first Named Insured shown in the Declarations and to any lienholder or loss payee named in the policy written notice of nonrenewal at least 60 days before a. Its expiration date or b. Its anniversary date if it is a policy written for a term of more than one year and with no fixed expiration date. However we are not required to send this no tice if nonrenewal is due to the first Named In sured s failure to pay any premium required for renewal. The provisions of this Paragraph 1. do not ap ply to any mortgageholder. 2. We will mail our notice to the first Named In sured s mailing address last known to us. If no tice is mailed proof of mailing will be sufficient proof of notice. Page 2 of 2 1S0 Properties Inc. 2007 IL 02 31 09 08 | 2 |
IL 09 3507 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTAIN COMPUTER RELATED LOSSES This endorsement modifies insurance provided under the following COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART STANDARD PROPERTY POLICY A. We will not pay for loss loss or damage caused directly or indirectly by the following. Such loss loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss loss or damage. 1. The failure malfunction or inadequacy of a. Any of the following whether belonging to any insured or to others 1 Computer hardware including microproc essors 2 Computer application software 3 Computer operating systems and related software 4 Computer networks 5 Microprocessors computer chips not part of any computer system or 6 Any other computerized or electronic equipment or components or b. Any other products and any services data or functions that directly or indirectly use or rely upon in any manner any of the items listed in Paragraph A.1.a. of this endorsement due to the inability to correctly recognize proc ess distinguish interpret or accept one or more dates or times. An example is the inability of computer software to recognize the year 2000 2. Any advice consultation design evaluation inspection installation maintenance repair re placement or supervision provided or done by you or for you to determine rectify or test for any potential or actual problems described in Para graph A.1. of this endorsement. B. If an excluded Cause of Loss as described in Para graph A of this endorsement results 1. In a Covered Cause of Loss under the Crime and Fidelity Coverage Part the Commercial Inland Marine Coverage Part or the Standard Property Policy or. Under the Commercial Property Coverage Part a. In a Specified Cause of Loss or in elevator collision resulting from mechanical break down under the Causes of Loss Special Form or b. In a Covered Cause of Loss under the Causes Of Loss Basic Form or the Causes Of Loss Broad Form we will pay only for the loss loss or damage caused by such Specified Cause of Loss elevator collision or Covered Cause of Loss.. We will not pay for repair replacement or modifica tion of any items in Paragraphs A.1.a. and A.1.b. of this endorsement to correct any deficiencies or change any features 2. Any advice consultation design evaluation inspection installation maintenance repair re placement or supervision provided or done by you or for you to determine rectify or test for any potential or actual problems described in Para graph A.1. of this endorsement. If an excluded Cause of Loss as described in Para graph A of this endorsement results 1. In a Covered Cause of Loss under the Crime and Fidelity Coverage Part the Commercial Inland Marine Coverage Part or the Standard Property Policy or 2. Under the Commercial Property Coverage Part a. In a Specified Cause of Loss or in elevator collision resulting from mechanical break down under the Causes of Loss Special Form or b. In a Covered Cause of Loss under the Causes Of Loss Basic Form or the Causes Of Loss Broad Form we will pay only for the loss loss or damage caused by such Specified Cause of Loss elevator collision or Covered Cause of Loss. We will not pay for repair replacement or modifica tion of any items in Paragraphs A.1.a. and A.1.b. of this endorsement to correct any deficiencies or change any features Page 1 of 1 IS0 Properties Inc. 2001 IL 09 35 07 02 | 2 |
IL09 520115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY. Cap On Certified Terrorism Losses 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 inctude 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 actis 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. This endorsement modifies insurance provided under the following If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Application Of Exclusions The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Part or Policy such as losses excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion. Page 1 of 1 Insurance Services Office Inc. 2015 IL 09520115 | 2 |
POLICY NUMBER CLP 3 687 298 POLICY NUMBER CLP 3 687 298 ILog850115 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE PART Terrorism Premium Certified Acts 8 This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies GENERAL LIABILITY 82 PROPERTY 1. Additional information if any conceming the terrorism premium SCHEDULE PART Il Federal share of terrorism losses 81 Year20 19 Refer to Paragraph B. in this endorsement. Federal share of terrorism losses 80 Year20 20 Refer to Paragraph B. in this endorsement. Information required to complete this Schedule if not shown above will be shown in the Declarations A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. s premium is the total Cemfled Acts premium attnbutabh to the following Coverage Parts Coverage orms andor Policyies ENERAL LIABILITY 82 ROPERTY 1. dditional information if any conceming the terrorism premium Year20 19 Year20 20 Page 1 of 2 Insurance Services Office Inc. 2015 1L 09 8501 15 | 2 |
B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage as shown in Part Il of the Schedule of this endorsement or in the policy Declarations of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses It aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 biilion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedurss established by the Secretary of the Treasury. Page 2 of 2 Insurance Services Office Inc. 2015 IL09 850115 | 2 |
GENERAL LIABILITY POLICY FORMS AND ENDORSEMENTS GU2627 0897 | 2 |
COMMERCIAL GENERAL LIABILITY CG00010413 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 I COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Wl 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 uniess explicity provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and praperty damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section I Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section 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 resulting at any time from the bodily injury. CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of fiability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bedily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. 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 ficense 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. CG 00010413 Insurance Services Office Inc. 2012 Page 2 of 16 | 1 |
d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or recsive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. 8 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 pertorming 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. f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste c Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or i Any person or organization for whom you may be legally responsible or CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up. removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability 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 definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph f.2 or.3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these j. Damage To Property Property damage to 1 Property you own rent or occupy including 2 any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property Premises you sell give away or abandon if the property damage arises out of any parnt of those premises 3 Property loaned to you Insurance Services Office Inc. 2012 CG 00010413 Page 4 of 16 | 1 |
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 it 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 ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 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 Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and of this exclusion do not apply to liability assumed under a sidetrack agreement Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard Damage To Your Product Property damage to your product arising out of it or any part of it. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. Page 5 of 16 CG 00010413 Insurance Services Office Inc. 2012 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information Exciusions e. 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 llf 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 Ml Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicity provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. b. 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. c. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement f. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement g. 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. h. 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. a CG 00010413 Page 6 of 16 Insurance Services Office Inc. 2012 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement i 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 Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and. of personal and advertising injury under the Definitions section. For the purposes of this exciusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s hame or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersai seepage migration release or escape of pollutants at any time n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these 3 p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 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. 4 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and 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 reascnable 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.. 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. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. f. Products Completed Operations Hazard Included within the products completed operations hazard g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. 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. a CG 00010413 Page 8 of 16 Insurance Services Office Inc. 2012 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. It 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 fiability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract 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 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 Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. A limited fiability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. i CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1Xa 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 controi is being exercised for any purpose by you any of your empioyees volunteer waorkers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c d c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legai 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 aiter 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 L Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION lli LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. CGoo010413 Insurance Services Office Inc. 2012 Page 10 of 16 | 1 |
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. 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 while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties in The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and L4 L 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connegction with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed setflement means a settlement and release of liability signed by us the insured and the claimant or the claimant s lega representative. CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
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 ioss 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.. 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. o 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. 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 i That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner ili That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. CG 00010413 Insurance Services Office Inc. 2012 Page 12 of 16 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enfarce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsary or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. 3 However autc does not include mobile equipment. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfiling the terms of the contract or agreement. CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
10. Leased warker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While itis in or on an aircraft watercraft or auto or. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto 12.Mobile equipment means any of the following types ot 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. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelied and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. 9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract A sidetrack agreement Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality 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 m 2 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 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. b CG00010413 Insurance Services Office Inc. 2012 Page 14 of 16 | 1 |
However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution. 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 sianders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or. Infringing upon another s copyright trade dress or slogan in your advertisement. 15.Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16. Products completed operations hazard b. Includes all bodily injury and property damage oceurring away from premises you own or rent and arising out of your product or your work except 1 Products that are stil in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other 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 Does not include bodily injury or property damage arising out of c 1 The transportation of properly 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 The existence of tools uninstalled equipment or abandoned or unused materials or Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means 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 Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD 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 a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide wamings or instructions. CG 00010413 Insurance Services Office inc. 2012 Page 16 of 16 | 1 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENDED LIABILITY COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM It is agreed that the provisions listed below apply only upon the entry of an of such provision in the box next to the caption Il Broad Form Named Insured F. X Chartered Aircraft x Bodily Injury Extension G. X Coverage Territory Broadened H.. zl Medical Payments Increased Limits I Employee As Insureds Health Care Services E Non Owned Watercraft Liability z Liberalization l Expanded Expected or Intended Exception mo o o Property Perils Legal Liability X Broadened Supplementary Payments Named Insured v Extension BROAD FORM NAMED INSURED SECTION Il WHO IS AN INSURED Paragraph 3 is deleted and replaced by the following 3. Any organization you newly acquire or form except for a partnership joint venture or limited liability company and over which you maintain majority ownership or interest 51 or more or for which you have assumed the active management 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 end of the policy period or the 12 month anniversary of the palicy inception date whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization BODILY INJURY EXTENSION SECTION V DEFINITIONS Paragraph 3 is deleted and replaced by the following 3. Bodily injury means bodily injury sickness or disease sustained by a person including mental anguish or death resulting from any of these at any time. Mental anguish means any type of mental or emotional illness or disease. EMPLOYEES AS INSUREDS HEALTH CARE SERVICES SECTION Ii WHO IS AN INSURED Item 2.a.1d is deleted. GL2784 0911 | 2 |
NON OWNED WATERCRAFT LIABILITY SECTION I COVERAGES COVERAGE A 2. EXCLUSIONS Item g.2 is replaced with 2 A watercraft you do not own that is a Less than 51 feet long and b Not being used to carry persons or property for a charge. LIBERALIZATION SECTION IV CONDITIONS is amended to include 10. Liberalization It we adopt a change in our forms or rules which would broaden the coverage of this policy without an additional premium charge the broader coverage will apply. This extension is effective upon the approval of such broader coverage in your state of domicile. CHARTERED AIRCRAFT SECTION COVERAGES Coverage A Exclusions Item 2.g.6 is added 6 An aircraft in which you have no ownership interest and that you have chartered with crew. COVERAGE TERRITORY BROADENED SECTION V DEFINITIONS Item 4.a. is replaced with a. The United States of America including its territories and possessions Canada Bermuda the Bahamas the Cayman Islands British Virgin Islands and Puerto Rico. MEDICAL PAYMENTS INCREASED LIMITS Unless COVERAGE C. MEDICAL PAYMENTS is excluded from this policy SECTION COVERAGES Coverage C Insuring Agreement ltem c. is added c. The medical expense limit provided by this policy shall be the greater of 1 10000 or 2 The amount shown in the declarations. EXPANDED EXPECTED or INTENDED EXCEPTION SECTION COVERAGES 2. Exclusions Item a. is amended as follows 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 or property damage resulting from the use of reasonable force to protect persons or property. GL2784 0911 | 2 |
PROPERTY PERILS LEGAL LIABILITY A SECTION COVERAGES COVERAGE A 2. Exclusions the last paragraph following exclusion q. is replaced with Exclusion e. through n. do not apply to damage by fire explosion smoke water damage sprinkler leakage or lightning to premises while rented to you or temporarily occupied by you with the permission of the owner. A separate limit of insurance applies to this coverage as described in SECTION Il LIMITS OF INSURANCE. SECTION Il LIMITS OF INSURANCE Item 6. is replaced with 6. Subject to 5. above the Damage to Premises Rented to You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damages by fire explosion smoke water damage sprinkler leakage or lightning while rented to you or temporarily occupied by you with the permission of the owner arising out of any one fire explosion smoke water damage sprinkler leakage or lightning incident The Damage to Premises Rented to You Limit provided by this policy shall be the greater of 1. 300000 or 2 The amount shown in the declarations SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS ltem 4.b.1Xaii is replaced with i That is fire explosion smoke water damage sprinkler leakage or lightning insurance for premises while rented to you or temporarily occupied by you with the permission of the owner. SECTION V DEFINITIONS Item 9.a. is replaced with 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 explosion smoke water damage sprinkler leakage or lightning to premises while rented to you or temporarily occupied by you with the permission of the owner is not an insured contract. BROADENED SUPPLEMENTARY PAYMENTS SECTION COVERAGES SUPPLEMENTARY PAYMENTS Coverages A and B ltem 1.b. and 1.d. are replaced with 1b. 1d. The cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. GL2784 0911 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUILDERS EXTENDED LIABILITY COVERAGE This endorsement modifies insurance provided under the following It is agreed that the provisions listed below apply only upon the entry of an X COMMERCIAL GENERAL LIABILITY COVERAGE FORM of such provision. A B. X X Partnership and Joint Venture Extension Contractors Automatic Additional Insured Coverage Ongoing Operations Automatic Waiver of Subrogation Extended Notice of Cancellation Nonrenewal Unintentional Failure to Disclose Hazards Broadened Mobile Equipment Personal and Advertising Injury Contractual Coverage Nonemployment Discrimination Liquor Liability Broadened Conditions Automatic Additional Insureds Equipment Leases Insured Contract Extension Railroad Property and Construction Contracts Turnkey Jobs Coverage For Alienated Premises in the box next to the caption Construction Project General Aggregate Limits Fellow Employee Coverage Property Damage Liability Elevators Property Damage to the Named Insured s Work Care Custody or Control Concrete Rework Labor Reimbursement Coverage Lost Key Coverage Electronic Data Liability Coverage Consolidated Insurance Program Residual Liability Coverage Automatic Additional Insureds Managers or Lessors of Premises Automatic Additional Insureds State or Governmental Agency or Political Subdivisions Permits or Authorizations Contractars Automatic Additional Insured Coverage Completed Operations Additional Insured Engineers Architects or Surveyors Hazards yment Discrimination bility d Conditions Additional Insureds Equipment A. PARTNERSHIP AND JOINT VENTURE EXTENSION The following provision is added to SECTION Il WHO IS AN INSURED The last full paragraph which reads as follows No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. GL3084 0911 | 2 |
is deleted and replaced with the following With respect to the conduct of any past or present joint venture or partnership not shown as a Named Insured in the Declarations and of which you are or were a partner or member you are an insured but only with respect to liability arising out of your work on behalf of any partnership or joint venture not shown as a Named Insured in the Declarations provided no other simitar liability insurance is available to you for your work in connection with your interest in such partnership or joint venture. B. CONTRACTORS AUTOMATIC ADDITIONAL INSURED COVERAGE ONGOING OPERATIONS SECTION Il WHO IS AN INSURED is amended to include as an additional insured any person or organization who is required by written contract to be an additional insured on your policy but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting an your behalf in the performance of your ongoing operations for the additional insureds at the projects designated in the written contract With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. All work inciuding materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behaif of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. This insurance is excess of all other insurance available to the additional insured whether primary excess contingent or on any other basis unless the written contract requires this insurance to be primary. In that event this insurance will be primary relative to insurance policys which designate the additional insured as a Named Insured in the Declarations and we will not require contribution from such insurance if the written contract also requires that this insurance be non contributory. But with respect to all other insurance under which the additional insured qualifies as an insured or additional insured this insurance will be excess C. AUTOMATIC WAIVER OF SUBROGATION Item 8. of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted and replaced with the following 8. Transfer of Rights of Recovery Against Others to Us and Automatic Waiver of Subrogation. a. If the insured has rights to recover all or part of any payment we have made under this Coverage Form those rights are transferred to us. The insured must do nothing after loss to impair those rights. At our request the insured will bring suit or transfer those rights to us and help us enforce them. b. If required by a written contract executed prior to loss we waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of your work for that person or organization. GL3084 0911 | 2 |
EXTENDED NOTICE OF CANCELLATION NONRENEWAL Item A.2.b. of the COMMON POLICY CONDITIONS is deleted and replaced with the following A.2.b. 60 days before the effective date of the cancellation if we cancel for any other reason ltem 9. of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is deleted and replaced with the following 9. WHEN WE DO NOT RENEW a. If we choose to nonrenew this policy we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 60 days before the expiration date. b. If we do not give notice of our intent to nonrenew as prescribed in a. above it is agreed that you may extend the period of this policy for a maximum additional sixty60 days from its scheduled expiration date. Where not otherwise prohibited by law the existing terms conditions and rates will remain in effect during that extension period. It is further agreed that so long as it is not otherwise prohibited by law this one time sixty day extension is the sole remedy and liquidated damages available to the insured as a result of our failure to give the notice as prescribed in 9. a. above. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS Although we relied on your representations as to existing and past hazards if unintentionally you should fail to disclose all such hazards at the inception date of your policy we will not deny coverage under this Coverage Form because of such failure. BROADENED MOBILE EQUIPMENT Item 12.b. of SECTION V DEFINITIONS is deleted and replaced with the following 12.b. Vehicles maintained for use solely on or next to premises sites or locations you own rent or occupy.. PERSONAL AND ADVERTISING INJURY CONTRACTUAL COVERAGE Exclusion 2.e. of SECTION I COVERAGE B is deleted. NONEMPLOYMENT DISCRIMINATION Unless personal and advertising injury is excluded from this policy Item 14 of SECTION V DEFINITIONS is amended to include Personal and advertising injury also means embarrassment or humiliation mental or emotional distress physical illness physical impairment loss of earning capacity or monetary loss which is caused by discrimination. SECTION V DEFINITIONS is amended to include Discrimination means the unlawful treatment of individuals based on race color ethnic origin age gender or religion GL3084 0911 | 2 |
Item 2. Exclusions of SECTION COVERAGE B is amended to include Personal and advertising injury arising out of discrimination directly or indirectly related to the past employment employment or prospective employment of any person or class of persons by any insured Personal and advertising injury arising out of discrimination by or at your your agents or your employees direction or with your your agents or your employees knowledge or consent. Personal and advertising injury arising out of discrimination directly or indirectly related to the sale rental lease or sub lease or prospective sale rental lease or sub lease of any dwelling permanent lodging or premises by or at the direction of any insured Fines penalties specific performance or injunctions levied or imposed by a governmental entity or governmental code law or statute because of discrimination. I. LIQUOR LIABILITY Exclusion 2.c. of SECTION I COVERAGE A is deleted. J. BROADENED CONDITIONS ltems 2.a. and 2.b. of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS are deleted and replaced with the following 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified of an occurrence or an offense which may result in a claim as soon as practicable after the occurrence has been reported to you one of your officers or an employee designated to give notice to us. Notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense b. Ifaclaim is made or suit is brought against any insured you must 1 Record the specifics of the claim or suit and the date received as soon as you one of your officers or an employee designated to record such information is notified of it and 2 Notify us in writihng as soon as practicable after you one of your officers your legai department or an employee you designate to give us such notice learns of the claims or suit. Item 2.e. is added to SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 2.e. If you report an occurrence to your workers compensation insurer which develops into a liability claim for which coverage is provided by the Coverage Form failure to report such occurrence to us at the time of occurrence shall not be deemed in violation of paragraphs 2.a. 2.b. and 2.c. However you shall give written notice of this occurrence to us as soon as you are made aware of the fact that this occurrence may be a liability claim rather than a workers compensation claim. K. AUTOMATIC ADDITIONAL INSUREDS EQUIPMENT LEASES SECTION Il WHO IS AN INSURED is amended to include any person or organization with whom you agree in a written equipment lease or rental agreement to name as an additional insured with respect to liability for bodily injury property damage or personal and advertising injury caused at least in part by GL3084 0911 4 | 2 |
your maintenance operation or use by you of the equipment leased to you by such person or organization subject to the following additional exclusions. The insurance provided to the additional insured does not apply to 1. Bodily injury or property damage occurring after you cease leasing the equipment. 2. Bodily injury or property damage arising out of the sole negligence of the additional insured. 3. Property damage to a. Property owned used or occupied by or rented to the additional insured or b. Property in the care custody or control of the additional insured or over which the additional insured is for any purpose exercising physical control This insurance is excess of all other insurance available to the additional insured whether primary excess contingent or on any other basis unless the written contract requires this insurance to be primary. In that event this insurance will be primary relative to insurance policys which designate the additional insured as a Named Insured in the Declarations and we will not require contribution from such insurance if the written contract also requires that this insurance be non contributory. But with respect to all other insurance under which the additional insured qualifies as an insured or additional insured this insurance will be excess. INSURED CONTRACT EXTENSION RAILROAD PROPERTY AND CONSTRUCTION CONTRACTS Item 9. of SECTION V DEFINITIONS is deleted and replaced with the following. 9. Insured Contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 Thatindemnifies 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 GL3084 0911 nan nan nan nan 5.0 | 2 |
2 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 1 above and supervisory inspection architectural or engineering activities M. TURNKEY JOBS COVERAGE FOR ALIENATED PREMISES Itis agreed that Exclusion 2.j.2 of SECTION 1 COVERAGE A does not apply if the premises are your work and were not occupied rented or held for rental by you for more than 12 months after completion.. CONSTRUCTION PROJECT GENERAL AGGREGATE LIMITS This modifies SECTION Ilf LIMITS OF INSURANCE. A For all sums which can be attributed only to ongoing operations at a single construction project for which the insured becomes legally obligated to pay as damages caused by an occurrence under SECTION COVERAGE A and for all medical expenses caused by accidents under SECTION COVERAGE C 1. A separate Construction Project General Aggregate Limit applies to each construction project and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. The Construction Project 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. Any payments made under COVERAGE A for damages or under COVERAGE C for medical expenses shall reduce the Construction Project General Aggregate Limit for that construction project. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Construction Project General Aggregate Limit for any other construction project The limits shown in the Declarations for Each Occurrence Fire Damage and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such fimits will be subject to the applicable Construction Project General Aggregate Limit. For all sums which can not be attributed only to ongoing operations at a single construction project for which the insured becomes legally obligated to pay as damages caused by an occurrence under SECTION COVERAGE A and for all medical expenses caused by accidents under SECTION COVERAGE C 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 Such payments shall not reduce any Construction Project General Aggregate Limit. GL3084 0911 | 2 |
. 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 Construction Project General Aggregate Limit. D. If a 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. E. The provisions of SECTION Il LIMITS OF INSURANCE not otherwise modified by this endorsement shall continue to be applicable. 0. FELLOW EMPLOYEE COVERAGE Exclusion 2.e. Employers Liability of SECTION I COVERAGE A is deleted and replaced with the following 2.e. Bodily injury to 1 Anemployee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of paragraph 1 above. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to 1 Liabiiity assumed by the insured under an insured contract or 2 Liability arising from any action or omission of a coemployee while that coemployee is either in the course of his or her employment or performing duties related to the conduct of your business. Item 2.a.1Xa of SECTION I WHO IS AN INSURED is deleted and replaced with the following 2.a1a To you to your partners or members if you are a parinership or joint venture or to your members if you are a limited liability company or to your volunteer workers while performing duties related to the conduct of your business. P. PROPERTY DAMAGE LIABILITY ELEVATORS Property damage liability is changed as follows 1. Exclusions 2.j.3 and 2.j.4 of SECTION I COVERAGE A do not apply to the uss of elevators 2. The insurance afforded by reason of this provision is excess over any valid and collectibie property insurance including any deductible portion thereof available to the insured whether primary excess contingent or on any other basis and the OTHER INSURANCE condition is changed accordingly. GL3084 0911 | 2 |
Q. PROPERTY DAMAGE TO THE NAMED INSURED S WORK Exclusion of SECTION COVERAGE A. is deleted and replaced with the following Damage to Your Work Property damage to your work arising out of it or any part of it and included in the products completed operation hazard. This exclusion applies only to that portion of any loss in excess of 50000 per occurrence if the damaged work and the work out of which the damage arises was performed by you 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. R. CARE CUSTODY OR CONTROL Exclusion 2.j.4 of SECTION I COVERAGE A. is deleted and replaced with the following 2.j.4 Personal property in the care custody or control of the insured. However for personal property in the care custody or control of you or your employees this exclusion applies only to that portion of any loss in excess of 25000 per occurrence subject to the following terms and conditions a The most that we will pay under this provision as an annual aggregate is 100000 regardiess of the number of occurrences. b This provision does not apply to employee owned property or any property that is missing where there is not physical evidence to show what happened to the property. c The aggregate limit for this coverage provision is part of the General Aggregate Limit and SECTION Iil LIMITS OF INSURANCE is changed accordingly. d In the event of damage to or destruction of property covered by this exception you shall if requested by us replace the property or furnish the labor and materials necessary for repairs thereto at actual cost to you exclusive of prospective profit or overhead charges of any nature. e 2500 shall be deducted from the total amount of all sums you became obligated to pay as damages on account of damage to or destruction of all property of each person or organization including the loss of use of that property as a result of each occurrence. Our limit of liability under the endorsement as being applicable to each occurrence shall be reduced by the amount of the deductible indicated above however our aggregate limit of liability under this provision shall not be reduced by the amount of such deductible. The conditions of the policy including those with respect to duties in the event of occurrence claims or suit apply irrespective of the application of the deductible amount. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. S. CONCRETE REWORK LABOR REIMBURSEMENT COVERAGE As it applies to this coverage SECTION COVERAGE A is amended as follows 1. Insuring Agreement is deleted and replaced by the following We will reimburse you for your direct labor expense associated with your concrete rework which was performed by you during the policy period due to the original concrete product failing to meet contractual specifications as ordered for the job or accepted industry standards for its specific GL3084 0911 | 2 |
intended use verified by testing by an ASTM American Society of Testing Materials accredited independent testing agency. Exclusions is deleted and replaced by the following The insurance provided by this endorsement does not apply to a. Cosmetic Defects b. Loss of use c. Changes to the concrete product contractual specifications not acknowledged by the named insured in writing prior to the beginning of the job d. Loss arising from the subsidence of land e. Loss arising from work performed on your behalf by a subcontractor except for the supply of the concrete product f. Cost of materials used in the installation of the concrete product or concrete rework g. Damages or loss that is covered by a Property or Inland Marine coverage form for your financial interest in your project and structures h. Loss uniess the concrete rework is completed within one year from the completion of the original concrete product installation performed by you i. Loss caused by the failure to order the concrete product as required a. Inthe contractual specifications or b. By accepted industry standards for its specific intended use j Loss expected or intended from the standpoint of the insured k. Concrete product supplied by you SECTION ill LIMITS OF INSURANCE is amended to include the following 1. The Limits of Insurance as shown and the rules below fix the most we will pay regardless of the number of a. Insureds covered under this insurance b. Concrete rework projects to which this insurance applies. Concrete Rework Project Limit 50000 Concrete Rework Policy Aggregate Limits 50000 Concrete Rework Deductible 1000 The Concrete Rework Project Limit shown above is the most we will reimburse you for your direct labor expense arising out of any single concrete rework project. Subject fo 2. above the Concrete Rework Policy Aggregate Limit shown above is the most we will reimburse you for your direct labor expenses for the sum of all concrete rework projects. jate Limits GL3084 0911 | 2 |
4. The Concrete Rework Project Limit and the Concrete Rework Policy Aggregate Limits shall be included within and not be in addition to the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever applies as stated in the declarations and as described in SECTION Il LIMITS OF INSURANCE. 5. Our obligation to reimburse you applies only to the amount of your direct labor expense in excess of the Concrete Rework Deductible stated above. This deductible shall apply separately to each concrete rework project The Limits of Insurance of this caverage apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with either the beginning of the policy period shown in the Declarations or the effective date of the endorsement whichever is less. If the policy period is extended after issuance for an additional period of less than 12 months the additional period will be deemed part of the preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS is amended as follows ltem 2. Duties in The Event Of Occurrence Offense Claim Or Suit is deleted and replaced by the following 2. Duties in The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified prior to completing the concrete rework which may result in labor reimbursement. Notice should inciude 1 How when and where the incident took place 2 The names and addresses of any witnesses and 3 The estimated labor expense for the concrete rework b. You must promptly take all steps to minimize the expenses involved. c. You must cooperate with us and upon request assist in enforcing any right of contribution or indemnity against any person or organization. d. You must provide us with proof of loss and any other required documents within 80 days of our request. You must alsa permit us to examine and copy any of your books and records at any reasonable time. You your employees and your agents must if we require you to submit to examination under oath at such times as may be required and sign a copy of the examination. e. No insureds will except at their own cost assume any obligation or incur any expense without our consent. SECTION V DEFINITIONS is amended to add the following Concrete rework means the alteration repair removal or replacement of a concrete product Concrete product means any product you directly install consisting of concrete cement sand mortar mix or related materials Cosmetic defects means a superficial or surface defect that does not affect the structural integrity of the concrete product Loss means your direct labor expense associated with a concrete rework project Subsidence means earth movement including but not limited to a. Landslide GL3084 0911 10 | 2 |
b. Mud flow c. Earth sinking d. Earth rising e. Collapse or movement of fill f. Improper compaction g. Earth settling slipping falling away caving in eroding tilting or shifting h. Earthquake or L Any other movement of land or earth. LOST KEY COVERAGE As it applies to this coverage SECTION COVERAGE A is amended to include as follows We will pay those sums subject to the limits of liability and deductible stated herein that you become legally obligated to pay as damages due to the loss or mysterious disappearance of keys entrusted to or in the care custody or control of you or your employees or anyone acting on your behalf. The damages covered by this endorsement are limited to the 1. Actual cost of the keys 2. Cost to adjust locks to accept new keys or 3. Cost of new locks if required including the cost of installation. Item 2. Exclusions of SECTION I COVERAGE A is amended to include the following 1. Keys owned by any insured employees of any insured or anyone acting on behalf of any insured. 2. Any resulting loss of use from the loss or mysterious disappearance of keys or 3. Any of the following acts by any insured employees of any insured or anyone acting on behalf of any insureds a. Misappropriation b. Concealment c. Conversion d. Fraud or e. Dishonesty Exclusions 2.j.3 and 2.j.4 of SECTION I COVERAGE A do not apply to Lost Key Coverage. SECTION Il LIMITS OF INSURANCE is amended to include the following 1. The Lost Key Coverage Occurrence Limit shown below is the most we will pay for each occurrence for damages for Lost Key Coverage provided in this endorsement. GL3084 0911 | 2 |
2. The Lost Key Coverage Policy Aggregate Limit snown below is the most we will pay for all occurrences covered by this endorsement during the policy period. Lost Key Coverage Occurrence Limit 50000 Lost Key Coverage Policy Aggregate Limit 50000 Lost Key Coverage Deductible 1000 3. The Lost Key Coverage Policy Aggregate Limit shall be included within and not be in addition to the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever applies as stated in the declarations and as described in SECTION Iil LIMITS OF INSURANCE. Qur obligation under this coverage to pay damages on your behalf applies only to the amount of damages in excess of the Lost Key Coverage Deductible stated above. The deductible applies on an occurrence basis. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us.. ELECTRONIC DATA LIABILITY COVERAGE 1. Exclusion 2.p. Electronic Data of SECTION COVERAGE A is deleted and replaced with the following 2p. Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data that does not result from physical injury to tangible property. 2. The following definition is added to SECTION V DEFINITIONS 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. 3. For the purposes of this coverage the definition of property damage in SECTION V DEFINITIONS is replaced by the following Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. Ali such loss of use shall be deemed to occur at the time of the physical injury that caused it 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 or c. Loss of loss of use of damage to corruption of inability to access or inability to properly manipulate electronic data resulting from physical injury to tangible property. All such loss of slectronic data shall be deemed to occur at the time of the occurrence that caused it For the purposes of this insurance electronic data is not tangible property CONSOLIDATED INSURANCE PROGRAM RESIDUAL LIABILITY COVERAGE With respect to bodily injury property damage or personal and advertising injury arising out of your ongoing operations or operations included within the products completed operations hazard the policy to imit jate Limit 12 GL3084 0911 | 2 |
which this coverage is attached shall apply as excess insurance over coverage available to you under a Consolidated Insurance Program such as an Owner Controlled Insurance Program or Contractors Contrelled Insurance Program. Coverage afforded by this endorsement does not apply to any Consolidated Insurance Program involving a residential project or any deductible or insured retention specified in the Consolidated Insurance Program The following is added to Section V Definitions Residential project means any project where 30 or more of the total square foot area of the structures on the project is used or is intended to be used for human residency. This includes but is not limited to single or multifamily housing apartments condominiums townhouses co operatives or planned unit developments and appurtenant structures including pools hot tubs detached garages guest houses or any similar structures. A residential project does not include military owned housing college university owned housing or dormitories long term care facilities hotels motels hospitals or prisons. All other terms provisions exclusions and limitations of this policy apply.. AUTOMATIC ADDITIONAL INSUREDS MANAGERS OR LESSORS OF PREMISES SECTION Il WHO IS AN INSURED is amended to include Any person or organization with whom you agree in a written contract or written agreement to name as an additional insured but only with respect to liability arising out of the ownership maintenance or use of that part of the premises designated in the written contract or written agreement that is leased to you and subject to the following additional exclusions This insurance does not apply to 1. Any occurrence which takes place after you cease to be a tenant in that premises. 2 Structural alterations new construction or demolition operations performed by or on behalf of the additional insured listed in the written contract or written agreement This insurance is excess of all other insurance available to the additional insured whether primary excess contingent or on any other basis uniess the written contract requires this insurance to be primary. In that event this insurance will be primary relative to insurance policys which designate the additiona insured as a Named Insured in the Declarations and we will not require contribution from such insurance if the written contract also requires that this insurance be non contributory. But with respect to all other insurance under which the additional insured qualifies as an insured or additional insured this insurance will be excess AUTOMATIC ADDITIONAL INSUREDS STATE OR GOVERNMENTAL AGENCY OR POLITICAL SUBDIVISIONS PERMITS OR AUTHORIZATIONS SECTION Il WHO IS AN INSURED is amended to include any state or governmental agency or subdivision or political subdivision with whom you are required by written contract ordinance law or building code to name as an additional insured subject to the following provisions This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. This insurance does not apply to a. Bodily injury property damage or personal and advertising injury arising out of operations performed for the federal government state or municipality or b. Bodily injury or property damage included within the products completed operations hazard. GL3084 0911 13 | 2 |
This insurance is excess of all other insurance available to the additional insured whether primary excess contingent or on any other basis unless the written contract requires this insurance to be primary. In that event this insurance will be primary relative to insurance policys which designate the additional insured as a Named Insured in the Declarations and we will not require contribution from such insurance if the written contract also requires that this insurance be non contributory. But with respect to all other insurance under which the additional insured qualifies as an insured or additional insured this insurance will be excess. CONTRACTORS AUTOMATIC ADDITIONAL INSURED COVERAGE COMPLETED OPERATIONS SECTION Il WHO IS AN INSURED is amended to include as an additional insured any person or organization who is required by written contract to be an additional insured on your policy for completed operations but only with respect to liability for bodily injury or property damage caused in whole or in part by your work at the project designated in the contract performed for that additional insured and included in the products completed operations hazard This insurance is excess of all other insurance available to the additional insured whether primary excess contingent or on any other basis uniess the written contract requires this insurance to be primary. In that event this insurance will be primary relative to insurance policys which designate the additional insured as a Named Insured in the Declarations and we will not require contribution from such insurance if the written contract also requires that this insurance be non contributory. But with respect to all other insurance under which the additional insured qualifies as an insured or additional insured this insurance will be excess. ADDITIONAL INSURED ENGINEERS ARCHITECTS OR SURVEYORS SECTION Il WHO IS AN INSURED is amended to include as an additional insured any architect engineer or surveyor who is required by written contract to be an additional insured on your policy but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations performed by you or on your behalf This includes such architect engineer or surveyor who may not be engaged by you but is contractually required to be added as an additional insured to your policy. With respect to the insurance afforded to these additional insureds the following additional exclusion applies This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or the failure to render any professional services including 1. The preparing approving or failing to prepare or approve maps drawings opinions reports surveys change orders designs or specifications or 2. Supervisory inspection or engineering services. This insurance is excess of all other insurance available to the additional insured whether primary excess contingent or on any other basis unless the written contract requires this insurance to be primary. In that event this insurance will be primary relative to insurance policys which designate the additional insured as a Named Insured in the Declarations and we will not require contribution from such insurance if the written contract also requires that this insurance be non contributory. But with respect to all other insurance under which the additional insured qualifies as an insured or additional insured this insurance will be excess GL3084 0911 | 2 |
NAMED INSURED CORING CUTTING SERVICES INC. END. POLICY NO. CLP 3 687 298 EFFECTIVE DATE OF ENDORSEMENT 11 01 19 1 BITCO General Insurance Corporation BITCO National Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING COMMERCIAL GENERAL LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM rporation R TR EXCLUSION Asbestos Itis agreed that the insurance does not apply to bodily injury or property damage arising out of or alleged to have arisen out of the manufacture production use installation removal encapsulation enclosing or disposal of asbestos or any materials containing asbestos. L1751b 0914 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART BUSINESSOWNERS POLICY This insurance does not apply to 1. Bodily injury personal and advertising injury or property damage arising out of the actual aileged or threatened exposure to lead paint containing lead or any other material or substance containing lead or 2. Any loss cost or exposure arising out of any a. Request demand or order that any insured or others test for monitor clean up remove or contain failure to disclose existence or presence of or in any way respond to or assess the effects of lead paint containing lead or any other material or substance containing lead or Claim or suit by or on behalf of any person organization or governmental authority for damages because of testing for monitoring cleaning up or removing containing failure to disclose existence or presence of or in any way responding to or assessing the effects of iead paint containing lead or any other material or substance containing lead. L 2474a 0299 | 2 |
POLICY NUMBER CLP 3 687 298 COMMERCIAL GENERAL LIABILITY CG 03 00 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Amount and Basis of Deductibles Coverage PER CLAIM or PER OCCURRENCE Bodily Injury Liability OR Property Damage Liability 5000 OR Bodily Injury Liability andor Property Damaage Liability Combined Amount and Basis of Deductibles Coverage PER CLAIM or PER OCCURRENCE Bodily Injury Liability OR Property Damage Liability 5000 OR Bodily Injury Liability andor Property Damage Liability Combined If no entry appears above information required to complete this endorsement wilt be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury and property damage however caused ALL OPERATIONS A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per occurrence basis. Your selected deductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above applies as follows 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis that deductible applies as follows a. Under Bodily Injury Liability Coverage to all damages sustained by any one person because of bodily injury b. Under Property Damage Liability Coverage to all damages sustained by any one person because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages sustained by any one person because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence. If damages are claimed for care loss of services or death resulting at any time from bodily injury a separate deductible amount will be applied to each person making a claim for such damages. CG 03000196 Copyright Insurance Services Office Inc. 1994 Page 1 of 2 | 2 |
as the result of any one occurrence regardless of the number of persons or organizations who sustained damages because of that occurrence. The terms of this insurance including those with respect to 1. Ourright and duty to defend the insured against any suits seeking those damages and 2. Your duties in the event of an occurrence claim or suit apply irrespective of the application of the deductible amount. We may pay any part or all of the deductible amount to effect settiement of any claim or suit and upon natification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. With respect to property damage person includes an organization. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a per occurrence basis that deductible amount applies as follows Under Bodily Injury Liability Coverage to all damages because of bodily injury Under Property Damage Liability Coverage to all damages because of property damage or Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined Page 2 0of 2 Copyright Insurance Services Office Inc. 1994 CG 03000196 | 2 |
POLICY NUMBER CLP 3 687 298 POLICY NUMBER CLP 3 687 298 COMMERCIAL GENERAL LIABILITY CG 04351207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits 1000000 each employee 1000 INCLUDED Programs 2.000.000 aggregate Retroactive Date 11 01 2016 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 liability to pay sums or COVERAGE EMPLOYEE BENEFITS LIABILITY perform acts or services is covered unless N explicitly provided for under Supplementary 1. Insuring Agreement Payments. a. We will pay those sums that the insured be b. This insurance applies to damages only if comes legally obligated to pay as damages because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable to which this in 1 The act error or omission is negligently committed in the administration of your employee benefit program surance applies. We will have the right and 2 The act error or omission did not take duty to defend the insured against any suit place before the Retroactive Date if any seeking those damages. However we will shown in the Schedule nor after the end of have no duty to defend the insured against the policy period and any suit seeking damages to which this in 3 A claim for damages because of an act surance does not apply. We may at our dis error or omission is first made against any cretion investigate any report of an act error insured in accordance with Paragraph c. or omission and settle any claim or suit below during the policy period or an Ex that may result. But tended Reporting Period we provide under 1 The amount we will pay for damages is Paragraph F. of this endorsement. limited as descnbed in Paragraph D. Sec c. A claim seeking damages will be deemed to tion if Limits Of Insurance and have been made at the earlier of the following 2 Our right and duty to defend ends when times we have used up the applicable limit of in 1 When notice of such claim is received surance in the payment of judgments or and recorded by any insured or by us settlements. whichever comes first or CG 04 351207 ISO Properties Inc. 2006 Page 10f 6 | 2 |
2 When we make settlement in accordance with Paragraph a. above A claim recsived and recorded by the in sured within 60 days after the end of the pol icy period will be considered to have been re ceived within the policy period if no subsequent policy is available to cover the claim. All claims for damages made by an em ployee because of any act error or omission or a series of related acts errors or omis sions including damages claimed by such employee s dependents and beneficiaries will be deemed to have been made at the time the first of those claims is made against any insured. Exclusions This insurance doss not apply to Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any insured including the willful or reckless violation of any statute. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury.. Failure To Perform A Contract Damages arising out of failure of performance of contract by any insurer.. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program.. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to com ply with the mandatory provisions of any workers compensation unemployment com pensation insurance social security or disabil ity benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of Jiability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the ap plicable funds accrued or other collectible in surance. i. Taxes Fines Or Penalties Taxes fines or penalties including those im posed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termination of employment discrimination or other em ployment 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 Supplemen tary 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 authorization to ad minister your employee benefit program if you die but only until your legal representa tive is appointed. B Page 2 of 6 IS0 Properties Inc. 2006 CG 04351207 | 2 |
The Limits of Insurance of this endorsement ap ply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the palicy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of deter mining the Limits Of Insurance. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as 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 de pendents and beneficiaries because of ail acts errors or omissions to which this insur ance 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 er ror or omission or claim apply irrespective of the application of the de ductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are re placed by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the ex tent possible notice should include 1 What the act error or omission was and when it occurred and c. Your legal representative if you die but only with respect to duties as such. That represen tative 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 fiability company and over which you maintain owner ship or majority interest will qualify as a Named Insured if no other similar insurance applies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier. Coverage under this provision does not apply to any act error or cmission that was commit ted before you acquired or formed the organi zation D. For the purposes of the coverage provided by this endorsement Section lii Limits Of Insurance is replaced by the following 1. Limits Of insurance a. The Limits of Insurance shown in the Sched ule 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 bene fit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the ad ministration of your employee benefit pro gram. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including damages sustained by such em ployee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administration of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be sub ject to the limits and restrictions that apply to the payment of benefits in any plan inciuded in the employee benefit program. v Page30f 6 ISO Properties Inc. 2006 CG 04 35 1207 | 2 |
2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim or suit as soon as practi cable.. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit Authorize us to obtain records and other information Cooperate with us in the investigation or settlement of the claim or defense against the suit and 3 Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of an act error or omis sion to which this insurance may also ap ply. 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 available to the insured for a loss we cover under this en dorsement our abligations are limited as follows a. Primary Insurance This insurance is primary except when Para graph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also pri mary. Then we will share with all that other insurance by the method described in Para graph. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary excess contingent or on any other basis that is ef fective prior to the beginning of the policy period shown in the Schedule of this in surance and that applies to an act error or omission on other than a claims made ba sis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy pe riod which continues after the Retroac tive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the in sured s rights against all those other in surers 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that ex ceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance 4 We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorsement.. Method Of Sharing If all of the other insurance permits contribu tion 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 permit contribution by equal shares we will contrib ute by limits. Under this method each in surer s share is based on the ratio of its appli cable limits of insurance to the total applicable limits of insurance of all insurers. Page 4 of 6 IS0 Properties Inc. 2006 CG 04351207 | 2 |
The Extended Reporting Period endorsement ap plicable to this coverage shall set forth the terms not inconsistent with this Section applicable to the Extended Reporting Period including a provi sion to the effect that the insurance afforded for claims first received during such period is ex cess over any other valid and collectible insur ance available under policies in force after the Extended Reporting Period starts.. If the Extended Reporting Period is in effect we will provide an extended reporting period aggre gate 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 definitions are added to the Definitions Section 1. 4 Administration means a. Providing information to employees includ ing their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the em ployee benefit program or c. Effecting continuing or terminating any em ployee s participation in any benefit included in the employee benefit program. However administration does not include han dling payroll deductions. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars 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 Pe riod provisions are added or if this endorsement is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period as described below if a. This endorsement is canceled or not 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 endorse ment or 2 Does not apply to an act error or omission on a claims made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of cover age provided. It applies only to claims for acts errors or omissions that were first committed be fore the end of the policy period but not before the Retroactive Date if any shown in the Sched ule. Once in effect the Extended Reporting Pe riod may not be canceled. 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 pol icy period. The Extended Reporting Period will not go into effect unless you pay the additional premium promptly when due. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. c. Previous types and amounts of insurance Limits of insurance available under this en dorsement for future payment of damages and d. Other related factors The additional premium will not exceed 100 of the annual premium for this endorsement. CG 04351207 ISO Properties Inc. 2006 Page 5 0f 6 | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafete ria plan or otherwise 14 14 Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts provided that no one other than an employee may sub scribe to such benefits and such benefits are made generally available to those employ ses who satisfy the plan s eligibility require ments Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to all employ ees who are eligible under the plan for such benefits Unemployment insurance social security benefits workers compensation and disability benefits Vacation plans including buy and sell pro grams leave of absence programs including military maternity family and civil leave tui tion assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. 18. Employee means a person actively employed formerly employed on leave of absence or dis abled or retired. Employee includes a leased worker. Employee does not include a tempo rary worker Suit means a civil proceeding in which damages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such dam ages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which the insured submits with our consent. Page 6 of 6 IS0 Properties Inc. 2006 CG 04351207 | 2 |
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