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2 The Non appropriated Fund Instrumen talities Act 5 USC Sections 8171 8173 3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sec tions 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sec tions 1801 1872 8 Any other workers compensation unemployment compensation or dis ability laws or any similar law or 9 Any subsequent amendments to the laws listed above. j Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages Aand B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the follow ing If you are designated in the Declarations as 1. An individual you and your spouse are insur eds but only with respect to the conduct of a business of which you are the sole owner. 2. 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. 3. A limited liability company you are an in sured. Your members are also insureds but only with respect to the conduct of your busi ness. Your managers are insureds but only with respect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and di rectors 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. No person or organization is an insured with re spect to the conduct of any current or past part nership joint venture or limited liability company that is not shown as a Named Insured in the Dec larations.. For the purposes of this endorsement Section Il Limits Of Insurance is replaced by the following 1. The Limits of Insurance shown in the Sched ule of this endorsement and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Bodily Injury By Accident Each Acci dent Limit shown in the Schedule of this en dorsement is the most we will pay for all dam ages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorse ment is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily in jury by disease. 4. Subject to Paragraph D.3. of this endorse ment the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by dis ease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended 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. CG 04411204 ISO Properties Inc. 2004 Page 3 of 4 m | 2 |
E. For the purposes of this endorsement Condition 2. Duties In The Event Of Occurrence Claim Or Suit of the Conditions Section IVis deleted and replaced by the following 2. Duties In The Event Of Injury Claim Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by dis ease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by disease took place 2 The names and addresses of any in jured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or set tlement of the claim or defense against the suit 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 to which this insurance may also apply and 5 Do nothing after an injury occurs that would interfere with our right to re cover from others. d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any ex pense other than for first aid without our consent. 2 F. For the purposes of this endorsement Paragraph 4. of the Definiions Section is replaced by the fol lowing 4. 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 a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory de scribed in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the mer its according to the substantive law in such territory or in a settlement we agree to. G. The following are added to the Definiions Sec tion 1. Workers Compensation Law means the Workers Compensation Law and any Occupa tional Disease Law of Ohio. This does not in clude provisions of any law providing non occupational disability benefits. 2. Bodily injury by accident means bodily in jury sickness or disease sustained by a per son including death resulting from an acci dent. A disease is not bodily injury by acci dent unless it results directly from bodily in jury by accident. 3. Bodily injury by disease means a disease sustained by a person including death. Bod ily injury by disease does not include a dis ease that results directly from an accident. H. For the purposes of this endorsement the defini tion of bodily injury does not apply. Page 4 of 4 ISO Properties Inc. 2004 CG 04411204 o | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 04421103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT WASHINGTON This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Limits Of Insurance Injury By Accident Each Accident Aggregate Limit Each Employee Bodily Injury By Disease 1000000 Bodily Injury By Disease 1000000 If no entry appears above the information required to complete this endorsement will be shown in the Declara tions as applicable to this endorsement. A. The following is added to Section Coverages No other obligation or liability to pay sums COVERAGE STOP GAP EMPLOYERS or perform acts or services is covered LIABILITY unless explicitly provided for under Sup plementary Payments. 1. Insurin reement uring Ag b. This insurance applies to bodily injury by a. We will pay those sums that the insured becomes legally obligated by Washington Law to pay as damages because of bodily injury by accident or bodily injury by dis ease to your employee to which this in surance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any ac cident and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under this coverage. 2 accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory b Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and c Employee at the time of the injury was covered under a worker s compensation policy and subject to a workers compensation law of Washington and 2 The a Bodily injury by accidentis caused by an accident that occurs during the policy period or No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily b c injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and Employee at the time of the injury was covered under a worker s compensation policy and subject to a workers compensation law of Washington and 2 The a Bodily injury by accidentis caused by an accident that occurs during the policy period or CG 04421103 ISO Properties Inc. 2003 Page 1 of 4 m | 2 |
c. b Bodily injury by disease is caused by or aggravated by conditions of employment by you and the injured employee s last day of last expo sure to the conditions causing or aggravating such bodily injury by disease occurs during the policy period. The damages we will pay where recovery is permitted by law include damages 1 For a Which you are liable to a third party by reason of a claim or suit against you by that third party to recover the damages claimed against such third party as a result of injury to your employee b Care and loss of services and c Consequential bodily injury by accident or bodily injury by dis ease to a spouse child parent brother or sister of the injured em ployee provided that these damages are the direct consequence of bodily injury by accident or bodily injury by disease that arises out of and in the course of the injured employee s employment by you and 2 Because of bodily injury by accident or bodily injury by disease to your employee that arises out of and in the course of employment claimed against you in a capacity other than as em ployer. 2. Exclusions This insurance does not apply to Intentional Injury Bodily injury by accident or bodily injury by disease intentionally caused or aggra vated by you or bodily injury by accident or bodily injury by disease resulting from an act which is determined to have been committed by you if it was reasonable to believe that an injury is substantially cer tain to occur.. Fines Or Penalties Any assessment penalty or fine levied by any regulatory inspection agency or au thority.. Statutory Obligations Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Contractual Liability Liability assumed by you under any con tract or agreement.. Violation Of Law Bodily injury by accident or bodily injury by disease suffered or caused by any employee while employed in violation of law with your actual knowledge or the ac tual knowledge of any of your executive officers.. Termination Coercion Or Discrimination Damages arising out of coercion criticism demotion evaluation reassignment disci pline defamation harassment humiliation discrimination against or termination of any employee or arising out of other employment or personnel decisions con cerning the insured.. Failure To Comply With Workers Compensation Law Bodily injury by accident or bodily injury by disease to an employee when you are 1 Deprived of common law defenses or 2 Otherwise subject to penalty because of your failure to secure your ob ligations or other failure to comply with any workers compensation law.. Violation Of Age Laws Or Employment Of Minors Bodily injury by accident or bodily injury by disease suffered or caused by any person 1 Knowingly employed by you in viola tion of any law as to age or 2 Under the age of 14 years regardless of any such law.. Federal Laws Any premium assessment penalty fine benefit liability or other obligation im posed by or granted pursuant to 1 The Federal Employer s Liability Act 45 USC Section 51 60 2 The Non appropriated Fund Instrumen talities Act 5 USC Sections 8171 8173 Page 2 of 4 ISO Properties Inc. 2003 CG 04421103 o | 2 |
3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sec tions 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sec tions 1801 1872 8 Any other workers compensation unemployment compensation or dis ability laws or any similar law or 9 Any subsequent amendments to the laws listed above. j Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages Aand B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the follow ing If you are designated in the Declarations as 1. An individual you and your spouse are insur eds but only with respect to the conduct of a business of which you are the sole owner. 2. 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. 3. A limited liability company you are an in sured. Your members are also insureds but only with respect to the conduct of your busi ness. Your managers are insureds but only with respect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and di rectors 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. 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 In sured in the Declarations. D. For the purposes of this endorsement Section IIl Limits Of Insurance is replaced by the follow ing 1. The Limits of Insurance shown in the Sched ule of this endorsement and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Bodily Injury By Accident Each Acci dent Limit shown in the Schedule of this en dorsement is the most we will pay for all dam ages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorse ment is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily in jury by disease. 4. Subject to Paragraph D.3. of this endorse ment the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by dis ease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended 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. CG 04421103 ISO Properties Inc. 2003 Page 3 of 4 m | 2 |
E. For the purposes of this endorsement Condition 2. Duties In The Event Of Occurrence Clam Or Suit of the Conditions Section IV is deleted and replaced by the following 2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by dis ease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by disease took place 2 The names and addresses of any in jured persons and witnesses and 3 The nature and location of any injury. 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. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or set tlement of the claim or defense against the suit 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 to which this insurance may also apply and Do nothing after an injury occurs that would interfere with our right to re cover from others. ld 2 5 d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any ex pense other than for first aid without our consent. F. For the purposes of this endorsement Paragraph 4. of the Definiions Section is replaced by the fol lowing 4. 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 a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory de scribed in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the mer its according to the substantive law in such territory or in a settlement we agree to. G. The following are added to the Definiions Sec tion 1. Workers Compensation Law means the Workers Compensation Law and any Occupa tional Disease Law of Washington. This does not include provisions of any law providing non occupational disability benefits. 2. Bodily injury by accident means bodily in jury sickness or disease sustained by a per son including death resulting from an acci dent. A disease is not bodily injury by acci dent unless it results directly from bodily in jury by accident. 3. Bodily injury by disease means a disease sustained by a person including death. Bod ily injury by disease does not include a dis ease that results directly from an accident. H. For the purposes of this endorsement the defini tion of bodily injury does not apply. Page 4 of 4 ISO Properties Inc. 2003 CG 04421103 o | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 04441103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT WYOMING This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Limits Of Insurance Injury By Accident Each Accident Aggregate Limit Each Employee Bodily Injury By Disease 1000000 Bodily Injury By Disease 1000000 If no entry appears above the information required to complete this endorsement will be shown in the Declara tions as applicable to this endorsement. A. The following is added to Section Coverages The tender of the limits of insurance COVERAGE STOP GAP EMPLOYERS before judgment or settlement does not LIABILITY relieve us of our duty to defend. No other obligation or liability to pay sums 1. Insurin reement. 9 Ag or perform acts or services is covered a. We will pay those sums that the insured becomes legally obligated by Wyoming Law to pay as damages because of bodily injury by accident or bodily injury by dis ease to your employee to which this in surance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any ac cident and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under this coverage. unless explicitly provided for under Sup plementary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and Employee at the time of the injury was covered under a worker s compensation policy and subject to a workers compensation law of Wyoming and 2 The a Bodily injury by accident is caused b c The tender of the limits of insurance before judgment or settlement does not relieve us of our duty to defend. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily b c injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and Employee at the time of the injury was covered under a worker s compensation policy and subject to a workers compensation law of Wyoming and 2 The a Bodily injury by accidentis caused by an accident that occurs during the policy period or CG 04441103 ISO Properties Inc. 2003 Page 1 of 4 m | 2 |
b Bodily injury by disease is caused by or aggravated by conditions of employment by you and the injured employee s last day of last expo sure to the conditions causing or aggravating such bodily injury by disease occurs during the policy period. c. The damages we will pay where recovery is permitted by law include damages 1 For a Which you are liable to a third party by reason of a claim or suit against you by that third party to recover the damages claimed against such third party as a result of injury to your employee b Care and loss of services and c Consequential bodily injury by accident or bodily injury by dis ease to a spouse child parent brother or sister of the injured em ployee provided that these damages are the direct consequence of bodily injury by accident or bodily injury by disease that arises out of and in the course of the injured employee s employment by you and 2 Because of bodily injury by accident or bodily injury by disease to your employee that arises out of and in the course of employment claimed against you in a capacity other than as em ployer. d. Damages include prejudgment interest awarded against the insured. 2. Exclusions This insurance does not apply to a. Intentional Injury Bodily injury by accident or bodily injury by disease intentionally caused or aggra vated by you or bodily injury by accident or bodily injury by disease resulting from an act which is determined to have been committed by you if it was reasonable to believe that an injury is substantially cer tain to occur. b. Fines Or Penalties Any assessment penalty or fine levied by any regulatory inspection agency or au thority.. Statutory Obligations Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Contractual Liability Liability assumed by you under any con tract or agreement.. Violation Of Law Bodily injury by accident or bodily injury by disease suffered or caused by any employee while employed in violation of law with your actual knowledge or the ac tual knowledge of any of your executive officers.. Termination Coercion Or Discrimination Damages arising out of coercion criticism demotion evaluation reassignment disci pline defamation harassment humiliation discrimination against or termination of any employee or arising out of other employment or personnel decisions con cerning the insured.. Failure To Comply With Workers Compensation Law Bodily injury by accident or bodily injury by disease to an employee when you are 1 Deprived of common law defenses or 2 Otherwise subject to penalty because of your failure to secure your ob ligations or other failure to comply with any workers compensation law.. Violation Of Age Laws Or Employment Of Minors Bodily injury by accident or bodily injury by disease suffered or caused by any person 1 Knowingly employed by you in viola tion of any law as to age or 2 Under the age of 14 years regardless of any such law.. Federal Laws Any premium assessment penalty fine benefit liability or other obligation im posed by or granted pursuant to 1 The Federal Employer s Liability Act 45 USC Section 51 60 2 The Non appropriated Fund Instrumen talities Act 5 USC Sections 8171 8173 Page 2 of 4 ISO Properties Inc. 2003 CG 04 44 11 03 o | 2 |
3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sec tions 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sec tions 1801 1872 8 Any other workers compensation unemployment compensation or dis ability laws or any similar law or 9 Any subsequent amendments to the laws listed above. j Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages Aand B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the follow ing If you are designated in the Declarations as 1. An individual you and your spouse are insur eds but only with respect to the conduct of a business of which you are the sole owner. 2. 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. 3. A limited liability company you are an in sured. Your members are also insureds but only with respect to the conduct of your busi ness. Your managers are insureds but only with respect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and di rectors 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. No person or organization is an insured with re spect to the conduct of any current or past part nership joint venture or limited liability company that is not shown as a Named Insured in the Dec larations.. For the purposes of this endorsement Section Il Limits Of Insurance is replaced by the follow ing 1. The Limits of Insurance shown in the Sched ule of this endorsement and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Bodily Injury By Accident Each Acci dent Limit shown in the Schedule of this en dorsement is the most we will pay for all dam ages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorse ment is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily in jury by disease. 4. Subject to Paragraph D.3. of this endorse ment the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by dis ease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended 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.. For the purposes of this endorsement Condition 2. Duties In The Event Of Occurrence Clam Or Suit of the Conditions Section IV is deleted and replaced by the following CG 04441103 ISO Properties Inc. 2003 Page 3 of 4 m | 2 |
2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by dis ease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by disease took place 2 The names and addresses of any in jured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or set tlement of the claim or defense against the suit 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 to which this insurance may also apply and 5 Do nothing after an injury occurs that would interfere with our right to re cover from others. d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any ex pense other than for first aid without our consent. 2 F. For the purposes of this endorsement Paragraph 4. of the Definiions Section is replaced by the fol lowing 4. 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 a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory de scribed in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the mer its according to the substantive law in such territory or in a settlement we agree to. G. The following are added to the Definiions Sec tion 1. Workers Compensation Law means the Workers Compensation Law and any Occupa tional Disease Law of Wyoming. This does not include provisions of any law providing non occupational disability benefits. 2. Bodily injury by accident means bodily in jury sickness or disease sustained by a per son including death resulting from an acci dent. A disease is not bodily injury by acci dent unless it results directly from bodily in jury by accident. 3. Bodily injury by disease means a disease sustained by a person including death. Bod ily injury by disease does not include a dis ease that results directly from an accident. H. For the purposes of this endorsement the defini tion of bodily injury does not apply. Page 4 of 4 ISO Properties Inc. 2003 CG 04 44 11 03 o | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BROAD FORM NAMED INSURED ENDORSEMENT This Endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The Named Insured includes all subsidiaries affiliated associated controlled or allied companies corporations or firms now or hereafter constituted in which there is common ownership of more than fifty percent 50 and for which similar coverage is not separately provided. The person or organization first named in Item 1 of the Declarations by acceptance of this policy is authorized to act and agrees to act on behalf of all persons or organizations insured under the policy with respect to all matters pertaining to the insurance afforded by the policy including the giving or receipt of notice of cancellation the payment of premiums and deductibles and the receiving of return premiums if any. The insurance provided by this endorsement remains subject to paragraph 3. under SECTION Il WHO IS AN INSURED regarding newly acquired or formed organizations. Further nothing in this endorsement shall be construed to affect any of our rights to amend the policy premium during the policy period upon the acquisition of a new subsidiary or other entity by the Named Insured. The first Named Insured shall report to us as soon as practicable any acquisitions dissolution mergers or ownership changes that occur at any time throughout the policy period. All other terms and conditions of this policy remain unchanged. Endorsement Number Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 12 31 2017 00 GL0480 00 06 14 Pag Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY WRAP UP EXCLUSION WITH LIMITED EXCEPTION FOR EXCESS COVERAGE ENDORSEMENT This endorsement changes coverage under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of either your ongoing operations or operations included in the products completed operations hazard at or from any project for which a wrap up insurance program in which you have been enrolled except as follows This insurance will be excess for the conduct of your business in a construction project which is the subject of a wrap up insurance program in which you are or were a participant. However this coverage is contingent upon all of the following conditions 1. The limits of the wrap up insurance program at its inception are at least a. 10000000 Each Occurrence b. 10000000 General Aggregate and c. 10000000 Product Completed Operations Aggregate and The above Limits of Insurance are minimal limits. If the actual Limits of Insurance are greater this policy is excess over the greater limits and 2. The Limits of Insurance of the wrap up insurance program have not been reduced or exhausted by any cause other than the payment of covered damages only. Failure of any of the conditions listed in 1. or 2. above will not invalidate this insurance. However in the event of any such failure or if the insurance for the wrap up insurance program is not valid or collectible for any reason this insurance shall only apply as if the Limits of Insurance of the wrap up insurance program were in full effect. You are responsible for the payment of such amounts equal to the Limits of Insurance and the satisfaction of any deductible or retention for the wrap up insurance program before this insurance becomes applicable. Limits of Insurance provided by this policy are excess of the total limits of the wrap up insurance program but no less than the Limits of Liability shown in Item 1 above or the remaining available limits of insurance if any for the wrap up insurance program if they have been reduced or exhausted by the payment of covered damages. However under no circumstances will our Limits of Insurance exceed those listed in the Declarations of this policy. The coverage provided by this insurance is solely for the benefit of you alone and will not inure to the benefit of any other party. When this coverage applies as excess we will have the right but not the duty to defend the insured against any suit. Wrap up insurance program means an insurance program whether primary or excess that 1. requires some or all of the contractors working on the project to participate 00GL0540 0002 11 Page 10f2 | 2 |
2. is purchased by you or is purchased for you by the owner of the project or by another contractor and 3. is limited to a specific construction project joint venture or all work for another contractor under a controlled insurance program. Al other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 12 31 17 00GL0540 0002 11 Page 20f2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTUAL LIABILITY EXCLUSION ENDORSEMENT This endorsement changes coverage under the folowing COMMERCIAL GENERAL LIABILITY COVERAGE FORM Under Section COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Exclusions Exclusion b. Contractual Liability is deleted in its entirety and replaced by the following b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of the liability of others 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 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 fabity assumed in an insured contradt reasonable attorney fees and necessary ltigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided 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 attorney 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 appies arealleged. All other terms and conditons of this Policy remain unchanged. Endorsement Number Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 12 31 17 00 GL0670 00 02 11 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDED DEFINITION OF OCCURRENCE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Under Section V Definitions Definition 13. Occurrence is deleted in its entirety and replaced by the following 13. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions which results in bodily injury or property damage neither expected nor intended from the standpoint of any insured. Al other terms and conditions of this Policy remain unchanged. Endorsement Number Policy Number ZAGLB9224901 Named Insured WITCH ENTERPRISES INC. This endorsement is effective on the inception date of this Policy unless otherwise stated herein Endorsement Effective Date 12 31 17 00 GL0671 00 02 11 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 04351207 POLICY NUMBER ZAGLB9224901 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 Deductible 1000 Premium INCLUDED Limit Of Insurance 1000000 each employee 1000000 aggregate Retroactive Date 07 01 2005 Information required to complete this Schedule if not shown above will be shown in the Declarations. Employee Benefits Programs A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY N unless explicitly provided for under Supple 1. Insuring Agreement mentary Payments. a. We will pay those sums that the insured b. This insurance applies to damages only if becomes legally obligated to pay as dam ages because of any act error or omission No other obligation or liability to pay sums or perform acts or services is covered 1 The act error or omission is negligently of the insured or of any other person for zommlted in the admmst atlon of your whose acts the insured is legally liable to employee benefit program which this insurance applies. We will have 2 The act error or omission did not take the right and duty to defend the insured place before the Retroactive Date if any against any suit seeking those damages. shown in the Schedule nor after the end However we will have no duty to defend the of the policy period and insured against any suit seeking damages 3 Aclaim for damages because of an act to which thsvmsuranog does not apply. We error or omission is first made against may at our discretion investigate any report any insured in accordance with Para of an act error or omission and settle any graph c. belw during the policy period claim or suit that may result. But oran Extended Reporting Period we pro 1 The amount we will pay for damages is vide under Paragraph F. of this en limited as described in Paragraph D. dorsement. Section Il Limits Of Insurance and. A claim seeking damages will be deemed to 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. have been made at the earlier of the follow ing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or CG 04351207 ISO Properties Inc. 2006 Page 1 of 6 m | 2 |
2 When we make settlement in accordance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the pol icy period will be considered to have been received within the policy period if no sub sequent policy is available to cover the claim. d. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefici aries will be deemed to have been made at the time the first of those claims is made against any insured.. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless viola tion of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. e. 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 comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of liability 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. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful 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 Bare 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 administer your employee benefit program if you die but only until your legal represen tative is appointed. Page 2 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
c. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Endorsement. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance ap plies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the pol icy period whichever is earlier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section lll Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the ad ministration of your employee benefit pro gram. c. Subject to the Aggregate Limit the Each Employee Limitis 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 in cluded in the employee benefit program. The Limits of Insurance of this endorsement ap ply separately to each consecutive annual pe riod and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after 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. 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 Sched ule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this in surance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the 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 Wnat the act error or omission was and when it occurred and CG 04351207 ISO Properties Inc. 2006 Page 3 of 6 m | 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. c. 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 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 4. Other Insurance If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is 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 primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 Wnen this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has aduty 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. 3 Wnen 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. We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorse ment. c. 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 con tribute by limits. Under this method each in surer s share is based on the ratio of its ap plicable limits of insurance to the total applicable limits of insurance of all insurers. 4 Page 4 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
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 omis sion 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 before the end of the policy period but not be fore the Retroactive Date if any shown in the Schedule. Once in effect the Extended Report ing Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this 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. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period ag gregate limit of insurance described below but only for claims first received and recorded dur ing 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 un der 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 ap ply 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. Administration means a. Providing information to employees includ ing their dependents and beneficiaries with respect to eligibility for or scope of em ployee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. CG 04351207 ISO Properties Inc. 2006 Page 5 of 6 m | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafe teria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eli gibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disabil ity benefits d. 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. 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. 18. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Page 6 of 6 ISO Properties Inc. 2006 CG 04351207 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 20010413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance 2 You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary primary and would not seek contribution i from any other insurance available to the Primary And Noncontributory L utory nsuraoe additional insured. This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that 1 The additional insured is a Named Insured under such other insurance and CG 20010413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 20 10 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations ALL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. ALL LOCATIONS OF THE INSURED. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations desig nated above. B. With respect to the insurance afforded to these additional insureds the following additional exclu sions apply This insurance does not apply to bodily injury or property damage occurring after 1. All work including materials parts or equip ment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf 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 in tended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a princi pal as a part of the same project. WRITTEN CONTRACT. CG 20 10 07 04 ISO Properties Inc. 2004 Page 1 of 1 m | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations ALL PARTIES WHERE REQUIRED BY ALL LOCATIONS OF THE INSURED A WRITTEN CONTRACT Information required to complete this Schedule if not shown above will be shown in the Declarations. WRITTEN CONTRACT CG 20100413 Insurance Services Office Inc. 2012 Page 1 of 2 | 2 |
A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf. in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including 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 behalf 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. C. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20100413 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 20101001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization ALL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. Section Il Who Is An Insured is amended to 1 All work including materials parts or include as an insured the person or organization equipment furnished in connection with shown in the Schedule but only with respect to such work on the project other than liability arising out of your ongoing operations service maintenance or repairs to be performed for that insured. performed by or on behalf of the addi B. With respect to the insurance afforded to these tional msureds at the site of the cov additional insureds the following exclusion is ered operations has been completed added or 2. Exclusions 2 That portion of your work out of which L g the injury or damage arises has been This insurance does not apply to bodily in put to its intended use by any person or jury or property damage occurring after organization other than another con tractor or subcontractor enaaaed in 1 2 All work including 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 behalf of the addi tional insureds at the site of the cov ered operations has been completed or 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 con tractor or subcontractor engaged in performing operations for a principal as a part of the same project. CG 20101001 ISO Properties Inc. 2000 Page 1 of 1 o | 2 |
POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS FORM B This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. SCHEDULE Name of Person or Organization ALL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. WHO IS AN INSURED Section Il is amended to include as an insured the person or organization shown in the Schedule but only with respect to liability arising out of your work for that insured by or for you. CG20101185 Copyright Insurance Services Office Inc. 1984 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG20120413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision ALL PARTIES WHERE REQUIRED FOR ISSUANCE OF A PERMIT OF AUTHORIZATION TO THE NAMED INSURED FOR WORK TO COMMENCE. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule subject to the following provisions 1. 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. However a. The insurance afforded to such additional insured only applies to the extent permitted by law and b. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 2. 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. B. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20120413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG20280413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations ALL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the persons or additional insureds this insurance does not apply organizations shown in the Schedule but only to any occurrence which takes place after the with respect to liability for bodily injury property equipment lease expires. damage or personal and advertising injury C. With respect to the insurance afforded to these caused in whole or in part by your maintenance additional insureds the following is added to operation or use of equipment leased to you by Section IIl Limits Of Insurance such persons or organizations. If coverage provided to the additional insured is However required by a contract or agreement the most we 1. The insurance afforded to such additional will pay on behalf of the additional insured is the insured only applies to the extent permitted by amount of insurance law and 1. Required by the contract or agreement or 2. If coverage provided to the additional insured 2. Available under the applicable Limits of is required by a contract or agreement the Insurance shown in the Declarations insurance afforded to such additional insured. will not be broader than that which you are Wwhichever is less. required by the contract or agreement to This endorsement shall not increase the provide for such additional insured. applicable Limits of Insurance shown in the Declarations. L1 PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. CG20280413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG20340413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU COMMERCIAL GENERAL LIABILITY COVERAGE PART Section Il Who Is An Insured is amended to include as an additional insured any persons or organizations from whom you lease equipment when you and such persons or organizations have agreed in writing in a contract or agreement that such persons or organizations be added as an additional insured on your policy. Such persons or organizations is an in with respect to liability for bodily injur damage or personal and advertising injury caused in whole or in part by your maintenance operation or use of equipment leased to you by such persons or organizations. However the insurance afforded to such additional insured 1. Only applies to the extent permitted by law and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. This endorsement modifies insurance provided under the following A person s or organization s status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends.. With respect to the insurance afforded to these additional insureds this insurance does not apply to any occurrence which takes place after the equipment lease expires.. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement you have entered into with the additional insured or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20340413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 2037 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Location And Description Of Completed Operations ALL PARTIES WHERE REQUIRED BY ALL LOCATIONS OF THE INSURED. A WRITTEN CONTRACT. Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Il Who Is An Insured is amended to in clude as an additional insured the persons or or ganizations shown in the Schedule but only with respect to liability for bodily injury or property damage caused in whole or in part by your work at the location designated and described in the schedule of this endorsement performed for that additional insured and included in the products completed operations hazard. SR EEARES S RS AR S A WRITTEN CONTRACT. CG 2037 07 04 ISO Properties Inc. 2004 Page 1 of 1 m | 2 |
POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 20370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Location And Description Of Completed Operations ALL PARTIES WHERE REQUIRED BY ALL LOCATIONS OF THE INSURED. A WRITTEN CONTRACT. Information required to complete this Schedule if not shown above will be shown in the Declarations. WRITTEN CONTRACT. CG 20370413 Insurance Services Office Inc. 2012 Page 10of 3 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Location And Description Of Completed Operations PRAXAIR INC. 10 RV LLC 10 RIVERVIEW DRIVE V VA LLC PERKINS EASTMAN DANBURY CT 06810 SOUTHPORT ASSOCIATES GROUP INC. AND J.T. MAGEN COMPANY INC. Information required to complete this Schedule if not shown above will be shown in the Declarations. V A LLC PERKINS EASTMAN DUTHPORT ASSOCIATES GROUP C. AND J.T. MAGEN COMPANY C. ANBURY CT 06810 Page 2 of 3 Insurance Services Office Inc. 2012 CG 20370413 | 2 |
A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury or property damage caused in whole or in part by your work at the location designated and described in the Schedule of this endorsement performed for that additional insured and included in the products completed operations hazard. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20370413 Insurance Services Office Inc. 2012 Page 3 of 3 | 2 |
POLICY NUMBER ZAGLB9224901 POLICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY G 20371001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization ALL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. Location And Description of Completed Operations ALL LOCATIONS OF THE INSURED. Additional Premium If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. Section Il Who Is An Insured is amended to include as an insured the person or organization shown in the Schedule but only with respect to liability arising out of your work at the location designated and described in the schedule of this endorsement performed for that insured and included in the products completed operations haz ard. LL PARTIES WHERE REQUIRED BY A WRITTEN CONTRACT. CG 20371001 ISO Properties Inc. 2000 Page 1 of 1 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 20380413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS AUTOMATIC STATUS FOR OTHER PARTIES WHEN REQUIRED IN WRITTEN CONSTRUCTION AGREEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section Il Who Is An Insured is amended to include as an additional insured 1. Any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy and 2. Any other person or organization you are required to add as an additional insured under the contract or agreement described in Paragraph 1. above. Such persons or organizations is an additional insured only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by a. Your acts or omissions or b. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insured. However the insurance afforded to such additional insured described above a. Only applies to the extent permitted by law and b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A person s or organization s status as an additional insured under this endorsement ends when your operations for the person or organization described in Paragraph 1. above are completed. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to 1. Bodily injury property damage or personal and advertising injury arising out of the rendering of or the failure to render any professional architectural engineering or surveying services including a. The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b. Supervisory inspection architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or the failure to render any professional architectural engineering or surveying services. 2. Bodily injury or property damage occurring after a. All work including 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 behalf of the additional insureds at the location of the covered operations has been completed or CG 20380413 Insurance Services Office Inc. 2012 Page 1 of 2 | 2 |
b. 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. C. With respect to the insurance afforded to these additional insureds the following is added to Section 1l Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement described in Paragraph A.1. or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Page 2 of 2 Insurance Services Office Inc. 2012 CG 20380413 | 2 |
COMMERCIAL GENERAL LIABILITY CG 2106 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is means information facts or programs replaced by the following stored as or on created or used on or 2. Exclusions transmitted to or from computer software This insurance does not apply to p Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. 2 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 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. CG 2106 05 14 Insurance Services Office Inc. 2013 Page 1of 1 | 2 |
POLICY NUMBER ZAGLB9224901 MBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 21540196 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED OPERATIONS COVERED BY A CONSOLIDATED WRAP UP INSURANCE PROGRAM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description and Location of Operations ALL PROJECTS AND LOCATIONS WHERE THE INSURED IS PERFORMING WORK THAT IS SUBJECT TO A CONSOLIDATED WRAP UP INSURANCE PROGRAM WHETHER PROVIDED BY THE OWNER PRIME CONTRACTOR OR PROJECT MANAGER. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. The following exclusion is added to paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Section I Coverages This insurance does not apply to bodily injury or property damage arising out of cither your ongoing operations or operations included within the products completed operations hazard at the location described in the Schedule of this endorsement as a consolidated wrap up insurance program has been provided by the prime contractor project manager or owner of the construction project in which you are involved. This exclusion applies whether or not the consolidated wrap up insurance program 1 Provides coverage identical to that provided by this Coverage Part 2 Has limits adequate to cover all claims or 3 Remains in effect. prime contractor project manager or owner of the construction project in which you are involved. This exclusion applies whether or not the consolidated wrap up insurance program 1 Provides coverage identical to that provided by this Coverage Part 2 Has limits adequate to cover all claims or 3 Remains in effect. Page 1of 1 CG 215401 96 Copyright Insurance Services Office Inc. 1994 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily In jury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring clean ing up removing containing treating de toxifying neutralizing remediating or dis posing 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 bacteria that are are on or are contained in a good or product intended for bodily consump tion. 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 threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 ISO Properties Inc. 2003 Page 1 of 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. If aggregate insured losses attributable to terrorist acts certified under the federal 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. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CG 21700115 Insurance Services Office Inc. 2015 Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21861204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION EXTERIOR INSULATION AND FINISH SYSTEMS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. This insurance does not apply to bodily injury B. The following definition is added to the Definitions property damage or personal and advertising in jury arising out of caused by or attributable to whether in whole or in part the following 1. The design manufacture construction fabrica tion preparation distribution and sale installa tion application maintenance or repair includ ing remodeling service correction or replacement of any exterior insulation and fin ish system or any part thereof or any substan tially similar system or any part thereof includ ing the application or use of conditioners primers accessories flashings coatings caulking or sealants in connection with such a system or 2. Your product or your work with respect to any exterior component fixture or feature of any structure if an exterior insulation and fin ish system or any substantially similar system is used on the part of that structure containing that component fixture or feature. Section Exterior insulation and finish system means a non oad bearing exterior cladding or finish sys tem and all component parts therein used on any part of any structure and consisting of 1. A rigid or semi igid insulation board made of expanded polystyrene and other materials 2. The adhesive andor mechanical fasteners used to attach the insulation board to the sub strate 3. Areinforced or unreinforced base coat 4. A finish coat providing surface texture to which color may be added and 5. Any flashing caulking or sealant used with the system for any purpose. CG 21861204 ISO Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 22430798 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ENGINEERS ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Ex work on your behalf in such capacity. clusions of Section I Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclus Professional services include ions ofSection I Coverage B Personal And Advertis ing Injury Liability 1. The preparing approving or failing to prepare or approve maps shop drawings opinions reports This insurance does not apply tobodily injury proper surveys field orders change orders or drawings and ty damage or personal and advertising injury arising specifications and out of the rendering of or failure to render any profes sional services by you or any engineer architect or sur 2. Supervisory inspection architectural or engineering veyor who is either employed by you or performing activities. Page 1of 1 CG 224307 98 Copyright Insurance Services Office Inc. 1997 | 2 |
POLICY NUMBER ZAGLB9224901 LICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 22741001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED CONTRACTUAL LIABILITY COVERAGE FOR PERSONAL AND ADVERTISING INJURY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Contract Or Agreement ALL WRITTEN CONTRACTS WHERE THE INSURED IS SPECIFICALLY REQUIRED TO INDEMNIFY ANOTHER PARTY FOR PERSONAL AND ADVERTISING INJURY DAMAGES. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. With respect to the contract or agreement desig 2 Liability for personal and advertising nated in the Schedule above Subparagraph e. of injuryif Paragraph 2. Exclusions of Section Coverage B a The liabilit n o vl y pertains to your busi Personal And Advertising Injury Liability is re ness and is assumed in the des placed by the following ignated contract or agreement 2. Exclusions shown in the Schedule in which you assume the tort liability of Thi d t apply to is insurance does not apply to another. Tort liability means a li e. Contractual Liability ability that would be imposed by Personal and advertising injury for which law in the absence of any con the insured has assumed liability in a con tract or agreement tract or agreement. b The personal and advertising This exclusion does not apply to injury occurs subsequent to the execution of the designated con tract or agreement shown in the Schedule and c The personal and advertising 1 Liability for damages that the insured would have in the absence of the contract or agreement or 2 Liability for personal and advertising injuryif a The liability pertains to your busi ness and is assumed in the des ignated contract or agreement shown in the Schedule in which you assume the tort liability of another. Tort liability means a li ability that would be imposed by law in the absence of any con tract or agreement b The personal and advertising injury occurs subsequent to the execution of the designated con tract or agreement shown in the Schedule and c The personal and advertising injury arises out of the offenses of false arrest detention or im prisonment. IS0 Properties Inc. 2001 Page 1 of 2 o CG 22741001 | 2 |
Solely for the purposes of liability so as sumed in such designated contract or agreement reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of personal injury described in Paragraph A.2.e.2c above provided i Liability to such party for or for the cost of that party s defense has also been assumed in the same designated contract or agreement and i Such attorney fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this in surance applies are alleged. B. With respect to the contract or agreement desig nated in the Schedule above the following is added to Section Supplementary Payments Coverages A And B If we defend an insured against a suit and an in demnitee 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 1. The suit against the indemnitee seeks dam ages for which the insured has assumed tort li ability of the indemnitee in a designated con tract or agreement shown in the Schedule if such liability pertains to your business. Tort li ability means a liability that would be imposed by law in the absence of any contract or agreement 2. This insurance applies to such liability assumed by the insured 3. The obligation to defend or the cost of the defense of that indemnitee has also been as sumed by the insured in the same designated contract or agreement 4. The allegations in the suit and the information we know about the offense are such that no conflict appears to exist between the interests of the insured and the interests of the indemni tee 5. The indemnitee and the insured ask us to con duct and control the defense of that indemnitee against such suit and agree that we can as sign the same counsel to defend the insured and the indemnitee and 6. The indemnitee a. Agrees in writing to 1 Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any de mands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coor dinating other applicable insurance available to the indemnitee and b. Provides us with written authorization to 1 Obtain records and other information related to the suit and 2 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 indemni tee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supple mentary Payments. Notwithstanding the provisions of Paragraph A.2.e.2 of this endorsement such payments will not be deemed to be damages for personal and advertising injury as described in Paragraph A.2.e.2c above and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when 1. We have used up the applicable limit of insur ance in the payment of judgments or settle ments or 2. The conditions set forth above or the terms of the agreement described in Paragraph 6. above are no longer met. 2 3 4 IS0 Properties Inc. 2001 CG 22741001 o Page 2 of 2 | 2 |
POLICY NUMBER ZAGLB9224901 ICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization ANY PERSON OR ORGANIZATION WHERE WAIVER OF OUR RIGHT TO RECOVER IS PERMITTED BY LAW AND IS REQUIRED BY WRITTEN CONTRACT PROVIDED SUCH CONTRACT WAS EXECUTED PRIOR TO THE LOSS. Information required to complete this Schedule if not shown above will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. This waiver applies only to the person or organization shown in the Schedule above. NY PERSON OR ORGANIZATION WHERE WAIVER OF OUR RIGHT TO RECOVER IS SRMITTED BY LAW AND IS REQUIRED BY WRITTEN CONTRACT PROVIDED SUCH ONTRACT WAS EXECUTED PRIOR TO THE LOSS. CG 24 04 05 09 Insurance Services Office Inc. 2008 Page 1 of 1 m | 2 |
POLICY NUMBER ZAGLB9224901 ICY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 24 04 05 09 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Person Or Organization PRAXAIR INC. 10 RV LLC V V A LLC PERKINS EASTMAN SOUTHPORT ASSOCIATES GROUP INC. AND J.T. MAGEN COMPANY INC. Information required to complete this Schedule if not shown above will be shown in the Declarations. The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard. This waiver applies only to the person or organization shown in the Schedule above. RAXAIR INC. 10 RV LLC V V A LLC PERKINS EASTMAN SOUTHPORT SSOCIATES GROUP INC. AND J.T. MAGEN COMPANY INC. CG 24 04 05 09 Insurance Services Office Inc. 2008 Page 1 of 1 m | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 24151001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED POLLUTION LIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Limited Pollution Liability Extension Aggregate Limit Premum INCLUDED 500000 If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. I. Exclusion f. under Section Coverage A is re placed by the following 2. Exclusions This insurance does not apply to f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seep age migration release or escape of pollutants a 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 Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for i Any insured or i Any person or organization for whom you may be legally respon sible b c At or from any premises site or d location on which any insured or any contractors or subcontractors work ing directly or indirectly on any in sured s behalf are performing opera tions 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 or At or from a storage tank or other container ducts or piping which is below or partially below the surface of the ground or water or which at any time has been buried under the surface of the ground or water and then subsequently exposed by ero sion excavation or any other means if the actual alleged or threatened discharge dispersal seepage migra tion release or escape of pollutants arises at or from any premises site or location i Which is or was at any time owned or occupied by or rented or loaned to any insured or emium INCLUDED c At or from any premises site or d location on which any insured or any contractors or subcontractors work ing directly or indirectly on any in sured s behalf are performing opera tions 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 or At or from a storage tank or other container ducts or piping which is below or partially below the surface of the ground or water or which at any time has been buried under the surface of the ground or water and then subsequently exposed by ero sion excavation or any other means if the actual alleged or threatened discharge dispersal seepage migra tion release or escape of pollutants arises at or from any premises site or location i Which is or was at any time owned or occupied by or rented or loaned to any insured or IS0 Properties Inc. 2000 Page 1 of 2 o CG 24151001 | 2 |
ii Which any insured or any con tractors or subcontractors work ing 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. Subparagraph d does not apply to bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement issued or made pursuant to any environmental protection or environmental liability statutes or regulations that any in sured test for monitor clean up re move contain treat detoxify or neu tralize or in any way respond to or assess the effects of pollutants or 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 as sessing the effects of pollutants. b However this paragraph does not apply to liability for those sums the insured becomes legally obligated to pay as damages because of property damage that the insured would have in the ab sence of such request demand order or statutory or regulatory requirement or such claimor suit by or on behalf of a governmental authority. Il With respect to bodily injury or property damage arising out of the actual alleged or threatened dis charge dispersal seepage migration release or escape of pollutants A. The Each Occurrence Limit shown in the Declarations does not apply. B. Paragraph 7. of Limits Of Insurance Section 111 does not apply. C. Paragraph 1. of Section Ill Limits Of Insur ance is replaced by the following 1. The Limits Of Insurance shown in the Schedule of this endorsement or 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. D. The following are added to Section Ill Limits Of Insurance 8. Subject to 2. or 3. above whichever ap plies the Limited Pollution Liability Exten sion Aggregate Limit shown in the Schedule is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of bodily injury or property dam age arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants. 9. Subject to 8. above the Medical Expense Limit is the most we will pay under Cover age C for all medical expenses because of bodily injury sustained by any one person arising out of the actual alleged or threat ened discharge dispersal seepage migra tion release or escape of pollutants. IS0 Properties Inc. 2000 CG 24151001 m Page 2 of 2 | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 24171001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTUAL LIABILITY RAILROADS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Scheduled Railroad IALL RAILROADS WHERE REQUIRED BY RITTEN CONTRACT WITH THE NAMED INSURED PRIOR TO A LOSS. Designated Job Site ALL JOB SITES UNDER WRITTEN CONTRACT WITH THE NAMED INSURED. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to operations performed for or affecting a Scheduled Railroad at a Designated Job Site the definition of insured contract in the Definitions sec 1 That indemnifies an architect engineer or tion is replaced by the following surveyor for injury or damage arising out 9. Insured Contract means of Paragraph f. does not include that part of any contract or agreement a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or or ganization 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 e. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an in demnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another 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. a Preparing approving or failing to pre pare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifi cations or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage 2 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services including those listed in Paragraph 1 above and supervisory in spection architectural or engineering activi ties. L RAILROADS WHERE REQUIRED BY ALL JOB SITES UNDER WRITTEN ITTEN CONTRACT WITH THE NAMED CONTRACT WITH THE NAMED ISURED PRIOR TO A LOSS. INSURED. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to pre pare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifi cations or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage 2 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services including those listed in Paragraph 1 above and supervisory in spection architectural or engineering activi ties. IS0 Properties Inc. 2000 Page 1 of 1 o CG 24171001 | 2 |
COMMERCIAL GENERAL LIABILITY CG24220413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE TERRITORY WORLDWIDE COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to Section IV Conditions Expanded Coverage Territory 1. If a suit is brought in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from defending the insured the insured will initiate a defense of the suit. We will reimburse the insured under Supplementary Payments for any reasonable and necessary expenses incurred for the defense of a suit seeking damages to which this insurance applies that we would have paid had we been able to exercise our right and duty to defend. If the insured becomes legally obligated to pay sums because of damages to which this insurance applies in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from paying such sums on the insured s behalf we will reimburse the insured for such sums.. All payments or reimbursements we make for damages because of judgments or settlements will be made in U.S. currency at the prevailing exchange rate at the time the insured became legally obligated to pay such sums. Al payments or reimbursements we make for expenses under Supplementary Payments will be made in U.S. currency at the prevailing exchange rate at the time the expenses were incurred.. Any disputes between you and us as to whether there is coverage under this policy must be filed in the courts of the United States of America including its territories and possessions Puerto Rico or Canada. 4. The insured must fully maintain any coverage required by law regulation or other governmental authority during the policy period except for reduction of the aggregate limits due to payments of claims judgments or settlements. Failure to maintain such coverage required by law regulation or other governmental authority will not invalidate this insurance. However this insurance will apply as if the required coverage by law regulation or other governmental authority was in full effect. B. The following is added to Paragraph 4.b.1 under the Conditions section 4. Other Insurance b. Excess Insurance This insurance is excess over Any of the other insurance whether primary excess contingent or on any other basis i If the insured s liability to pay damages is determined in a suit brought outside the United States of America including its territories and possessions Puerto Rico or Canada or i That is coverage required by law regulation or other governmental authority in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada. C. The definition of coverage territory in the Definitions section is replaced by the following Coverage territory means anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America. CG24220413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG24270413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED CONTRACTUAL LIABILITY RAILROADS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE ALL RAILROADS WHERE REQUIRED BY WRITTEN CONTRACT WITH THE NAMED INSURED PRIOR TO A LOSS. ALL JOB SITES UNDER WRITTEN CONTRACT WITH THE Designated Job Site NAMED INSURED. Information required to complete this Schedule if not shown above will be shown in the Declarations. With respect to operations performed for or affecting a Scheduled Railroad at a Designated Job Site the definition of insured contract in the Definiions 1 That indemnifies an architect engineer or section is replaced by the following surveyor for injury or damage arising out 9. Insured contract means of a. A contract for a lease of premises. However a Preparing approving or failing to that portion of the contract for a lease of prepare or approve maps shop premises that indemnifies any person or drawings opinions reports surveys Scheduled Railroad Paragraph f. does not include that part of any contract or agreement CG24270413 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 e. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization provided the bodily injury or property damage is caused in whole or in part by you or those acting on your behalf. However such part of a contract or agreement shall only be considered an insured contract to the extent your assumption of the tort liability is permitted by law. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. 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 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 Paragraph 1 above and supervisory inspection architectural or engineering activities. Insurance Services Office Inc. 2012 Page 1 of 1 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 2503 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECTS GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Construction Projects APPLIES TO ALL CONSTRUCTION PROJECTS OF THE INSURED UNLESS OTHERWISE EXCLUDED. Information required to complete this Schedule if not shown above will be shown in the Declarations. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Construction Project General Aggregate Limit for that designated construction project. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Construction Project General Aggregate Limit for any other designated construction project shown in the Schedule above. 4. The limits shown in the Declarations for Each Occurrence Damage To Premises Rented To You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such limits will be subject to the applicable Designated Construction Project General Aggregate Limit. A. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a single designated construction project shown in the Schedule above 1. A separate Designated Construction Project General Aggregate Limit applies to each designated construction project and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated 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. CG 2503 05 09 Insurance Services Office Inc. 2008 Page 1 of 2 m | 2 |
C. When coverage for liability arising out of the products completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products completed Operations Aggregate Limit and not reduce the General Aggregate Limit nor the Designated Construction Project General Aggregate Limit. D. If the applicable designated 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 Ill Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. B. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attributed only to ongoing operations at a single designated construction project shown in the Schedule above 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Designated Construction Project General Aggregate Limit. Page 2 of 2 Insurance Services Office Inc. 2008 CG 2503 05 09 o | 2 |
POLICY NUMBER ZAGLB9224901 CY NUMBER ZAGLB9224901 COMMERCIAL GENERAL LIABILITY CG 2504 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED LOCATIONS GENERAL AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Locations APPLIES TO ALL LOCATIONS OCCUPIED BY THE INSURED UNLESS OTHERWISE EXCLUDED. Information required to complete this Schedule if not shown above will be shown in the Declarations. ALL LOCATIONS OCCUPIED BY THE INSURED UNLESS OTHERWISE b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated Location General Aggregate Limit for that designated location. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Location General Aggregate Limit for any other designated location shown in the Schedule above. 4. The limits shown in the Declarations for Each Occurrence Damage To Premises Rented To You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such limits will be subject to the applicable Designated Location General Aggregate Limit. A. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to operations at a single designated location shown in the Schedule above 1. A separate Designated Location General Aggregate Limit applies to each designated location and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated Location 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 CG 2504 05 09 Insurance Services Office Inc. 2008 Page 1 of 2 m | 2 |
C. When coverage for liability arising out of the products completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products completed Operations Aggregate Limit and not reduce the General Aggregate Limit nor the Designated Location General Aggregate Limit. D. For the purposes of this endorsement the Definitions Section is amended by the addition of the following definition Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. E. The provisions of Section Ill Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. B. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attributed only to operations at a single designated location shown in the Schedule above 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Designated Location General Aggregate Limit. Page 2 of 2 Insurance Services Office Inc. 2008 CG 25 04 05 09 o | 2 |
AMCO INSURANCE COMPANY 29067 1100 LOCUST ST DEPT 1100 RENEWAL DES MOINES IA 50391 2000 COMMERCIAL GENERAL LIABILITY DECLARATIONS Policy Number ACP GLAO 7225439696 Named Insured IRRIGATION UNLIMITED INC Address 802 COREY RD HUTCHINSON KS 67501 1906 Agent WEJ INSURANCE INC 15 29067 001 Address WICHITA KS 67212 PRODUCER WEJ INSURANCE INC Policy Period From 021514 to 021515 1201 A.M. standard time at the address of the named insured as stated herein. 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 GENERAL AGGREGATE LIMIT other than products completed operations 2000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT see classification shown on 2000000 the attached schedule to determine aavicability of products liability coverage PERSONAL AND ADVERTISING INJURY LIMIT 1000000 EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT any one premises 100000 MEDICAL EXPENSE LIMIT any one person 5000 29067 RENEWAL roducts liabtity coverage 4 1000000 s 1000000 y one premises 100000 s 5000 SPRINKLERS D ENDORSEMENTS SCHEDULE TOTAL ADVANCE PREMIUM 6178.00 Countersigned By Auihorized Representative SURED COPY ACP GLAO 7225439606 959856072 72 0001253 Retroactive Date CG0002 only The Named Insured is CORPORATION Business of the Named Insured is INSTALLS YARD SPRINKLERS Audit Period ANNUAL ENDORSEMENTS ATTACHED TO THIS POLICY SEE COMMERCIAL GENERAL LIABILITY FORMS AND ENDORSEMENTS SCHEDULE 6178.00 TOTAL ADVANCE PREMIUM Replacement or Renewal Number ACP MCTO7215439696 GL D 10 98 DIRECT BILL LB7V 14056 INSURED COPY | 2 |
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AMCO INSURANCE COMPANY IN WITNESS WHEREOF the Company has caused this policy to be signed by its president and secretary and countersigned on the declarations page by a duly authorized representative of the company. W 1o Qs PRESIDENT Gt e Ao SECRETARY Page1of1 SP 00 02 01 08 nan nan nan nan 72.0 1254.0 nan nan nan nan 959856072.0 INSURED COPY ACP GLAO 7225439696 | 2 |
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AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 1100 DES MOINES 1A 50391 2000 COMMERCIAL GENERAL LIABILITY SCHEDULE Policy Number ACP GLAO 7225439696 Item No. Location and Description of Hazards Code No. Premium Basis Rates Advance Premium OTHER PR CO OTHER PR CO 001A Ks502 98483 PLUMBING RESIDEN TIAL OR DOMESTIC 938 COREY RD STE C HUTCHINSON KS675011985 002A KS502 91585 CONTRACTORS SUB CONTRACTED WORK IN CONNECTION WITH CONSTRUCTION RECON STRUCTION REPAIR OR ERECTION OF BUILDINGS 938 COREY RD STE C HUTCHINSON KS675011985 003A Ks502 99310 SNOW AND ICE REMOVAL CONTRACTOR cG2292 938 COREY RD STE C HUTCHINSON KS675011985 0228 Ks502 49950 CG7246 00lc KS502 77471 CONTRACTORS ENHANCEMENT PLUS 0 200000 PAYROLL 67323 IN7584 PAYROLL 90000 COST OF WORK IF ANY PAYROLL IF ANY FLAT CHARGE PER THOUSAND 12.779 45.868 1150 4128 PER THOUSAND 3.028 1.863 PER THOUSAND 7.962 5.346 500 400 Advance Premium R CO OTHER PR CO JSAND 5. 868 1150 46128 ISAND 1.863 ISAND 5. 346 500 600 PR CO 2050 6128 TAL ADVANCE PREMIUM 6178 rietor or Partner may be subject to a fixed ACP GLAO 7225439696 959856072 72 0001255 PAYROLL IF ANY PER THOUSAND 7.962 5.346 500 400 FLAT CHARGE Total Advance Other and PR CO 2050 6128 TOTAL ADVANCE PREMIUM 6178 NOTE For classes based on payroll each Executive Officer Sole Proprietor or Partner may be subject to a fixed amount. GL DS 12 93 DIRECT BILL L87V 14056 INSURED COPY ACP GLAO 7225439696 959856072 72 00012 INSURED COPY | 2 |
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AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 11 DES MOINES 1A 50391 2000 COMMERCIAL GENERAL LIABILITY FORMS AND ENDORSEMENTS Number ACP GLAO 7225439696 Period From 021514 To 021515 Named Insured IRRIGATION UNLIMITED INC Form CG0001 CG0109 CG0300 CG2147 CG2167 CG2170 CG2279 CG2292 CG2642 CG7023 CG7033 CG7248 CG7258 CG7323 CG7420 GC2187 L0017 1L0021 1L0261 13614 IN5017 IN7300 IN7584 IN7689 IN7695 GLDF 02 83 Date 0413 1185 0196 1207 1204 0108 0413 1207 0105 1096 0393 0212 0908 111 1211 0107 1198 0908 0907 1185 0593 0114 111 0413 0413 JIRECT BILL LB7V 14056 Title COMMERCIAL GENERAL LIABILITY COVERAGE FORM KANSAS OKLAHOMA CHANGES TRANSFER OF RIGHTS DEDUCTIBLE LIABILITY INSURANCE EMPLOYMENT RELATED PRACTICES EXCLUSION FUNGI OR BACTERIA EXCLUSION CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM EXCLUSION CONTRACTORS PROFESSIONAL LIABILITY SNOW PLOW OPERATIONS COVERAGE KANSAS CHANGES BINDING ARBITRATION EXCL ASBESTOS ELECTRO MAGNETIC RADIATION LEAD AND RADON TWO OR MORE COVERAGE FORMS OR POLICIES ISSUED BY US BLANKET ADDITIONAL INSURED ENDORSEMENT COMMERCIAL CONTRACTORS COVERAGE EXCLUSION OPERATIONS COVERED BY A CONSOLIDATED WRAP UP INS PROGRAM CONTRACTORS ENHANCEMENT PLUS ENDORSEMENT EXCLUSION SUBSIDENCE OF LAND i CONDITIONAL EXCLUSION OF TERRORISM RELATING TO DISPOSTION OF FEDERAL TERRORISM COMMON POLICY CONDITIONS. NUCLEAR ENERGY LIABILITY EXCLUSION KANSAS CHANGES CANCELLATION AND NONRENEWAL SPECIAL CONTINUATION PROVISION IMPORTANT NOTICES IMPORTANT NOTICE FOR RENEWAL POLICIES NOTICE TO POLICY HOLDERS POTENTIAL RESTRICTIONS OF TERRORISM COVERAGE NOTICE TO POLICYHOLDERS COMM GL CONTRACTORS ENHANCEMENT OR ENHANCEMENT PLU GENERAL LIABILITY FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS 2012 GENERAL LIABILITY KANSAS FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS INSURED COPY ACP GLAO 7225439696 959856072 72 0001256 AMCO INSURANCE COMPANY 1100 LOCUST ST DEPT 11 DES MOINES 1A 50391 2000 COMMERCIAL GENERAL LIABILITY FORMS AND ENDORSEMENTS Number ACP GLAO 7225439696 Named Insured IRRIGATION UNLIMITED INC Period From 021514 To 021515 LT 1e AN IMPORTANT NOTICES IN5017 IN7300 IN7584 IN7689 IN7695 GLDF 02 83 DIRECT BILL LB7V 14056 INSURED COPY | 2 |
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POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 030001 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 PER CLAIM SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability OR Property Damage Liability 500 OR Bodily Injury Liability andor Property Damage Liability Combined If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury and property damage however caused Amount and Basis of Deductible PER OCCURRENCE or nan nan nan nan 500.0 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay dam ages 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 se lected deductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Sched ule 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 be cause of bodily injury 3odily Injury Liability and Coverages to pay dam es only to the amount of any deductible amounts above as applicable to ible amount on either a rrence basis. Your se to the coverage option ductible indicated by the le amount in the Sched e amount stated in the s follows f the deductible amount dule above is on a per tible applies as follows Liability Coverage to all i by any one person be iy b. Under Property Damage Liability Coverage to all damages sustained by any one per son 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 Bedily injury and property damage combined as the result of any one occurrence. If damages are claimed for care loss of ser vices or death resulting at any time from bodily injury a separate deductible amount will be applied to each person making a claim for such damages. With respect to property damage person in cludes an organization. Copyright Insurance Services Office Inc. 1994 Page 1 0f 2 14056 INSURED COPY 72 0001257 CG 03000196 ACP GLAO7225439696 L87vV Page 1 of 2 72 0001257 | 2 |
CG 03000196 2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a per occurrence basis that deductible amount applies as follows a. b. Under Bodily Injury Liability Coverage to all damages because of bodily injury Under Property Damage Liability Coverage to all damages because of property dam age 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 as the result of any one occurrence regard less of the number of persons or organizations who sustain damages because of that occur rence. C. The terms of this insurance including those with respectto 1. Our right and duty to defend the insured against any suits seeking those damages and 2. Your duties in the event of an occurrence claim or suit apply irrespective of the application of the de ductible amount. D. We may pay any part or all of the deductible amount to effect setlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the de ductible amount as has been paid by us. CG 03 0001 96 72 0001258 Copyright Insurance Services Office Inc. 1994 14056 INSURED COPY Page 2 of 2 ACP GLAO7225439696 | 2 |
IN73 000114 Kk ke ok K IMPORTANT INSURANCE INFORMATION H k Kk KKk Please read this Notice carefully. No coverage is provided by this 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 notice the provisions of the policy shall prevail. NOTICE TO POLICY HOLDERS POTENTIAL RESTRICTIONS OF TERRORISM COVERAGE This Notice has been prepared in conjunction with the POTENTIAL implementation of changes related to coverage of terrorism under your policy. The Terrorism Risk Insurance Act established a program Terrorism Risk Insurance Program within the Depariment of the Treasury under which the federal government shares with the insurance industry the risk of loss from future terrorist attacks. That Program is subject to a termination date of December 31 2014 unless extended by the federal government. If the federal Program terminates or is extended with certain changes prior to or during the term of your policy then the treatment of terrorism under your policy will change. This Notice is being provided 1o you for the purpose of summarizing potential impact on your coverage. The summary is a brief synopsis of significant exclusionary provisions and limitations. This Notice does not form a part of your insurance contract. The Notice is designed to alert you to coverage restrictions and 1o other provisions in certain terrorism endorsements in this policy. If there is any conflict between this Notice and the policy including its endorsements the provisions of the policy including its endorsements apply. Carefully read your policy including the endorsements attached to your policy. YOUR POLICY DURING TENURE OF THE TERRORISM RISK INSURANCE PROGRAM AS THAT PROGRAM EXISTS PURSUANT TO THE TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT OF 2007 This policy does not contain a terrorism exclusion. However the policy contains an endorsement under which coverage for certified acts of terrorism which is more fully defined in the endorsement is subject to a limit on our liability pursuant to the federal Terrorism Risk Insurance Act. Further the absence of a terrorism exclusion does not create coverage for any injury or damage that would otherwise be excluded under the policy such as losses excluded by the war liability exclusion. POTENTIAL CHANGE TO YOUR POLICY Endorsement CG 21 87 CG 32 20 in the State of Washington is attached to your policy. lts provisions become applicable to your policy only if certain events one or more of them occur. Those events include the following e If the federal Terrorism Risk Insurance Program TRIP terminates with respect to the type of insurance provided under this policy. TRIP is was scheduled to terminate at the end of December 31 2014 unless extended by the federal government. or If TRIP is exlended with changes that redefine terrorism and we are not required to make such revised coverage available to you or Page 1 of 2 72 0001239 IN730001 14 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO 7225439696 DIRECT BILL LB7V1405 INSURED COPY 6959856072 | 2 |
IN73 000114 If TRIP is extended with changes that make insurance coverage for terrorism subject to provisions or requirements that differ from those that apply to other events or occurrences under this policy and we are not required to make such revised coverage available to you or If TRIP is extended with changes that increase insurers slatutory percentage deductible under TRIP for terrorism losses or decrease the federal government s statutory percentage share in potential terrorism losses and we are not required to make terrorism coverage available to you. Our deductible is 20 of the total of our previous year s direct earned premiums. The government s share is 85 of the terrorism losses paid by us above the deductible. Endorsement CG 21 87 CG 32 20 in the State of Washington treats terrorism as follows Coverage for injury or damage arising out of a terrorism incident is excluded only if The total of all insured damage 1o all types of property including business interruption losses sustained by owners or occupants of damaged properiy from the incident exceeds 25 million. The 25 million properly damage threshold is based on losses sustained by all persons and entities who are affected by an incident of terrorism and who are insured for the damage or who would be insured but for a terrorism exclusion or Fifty or more persons sustain death or serious physical injury or To determine whether the threshold for property damage 25 million or persons injured fifty is exceeded multiple incidents of terrorism which occur within a seventy two hour period and appear to be linked together or have a related purpose or common leadership behind them shall be considered to be one incident of terrorism. The terrorism event involves nuclear malerials or resulis in nuclear reaction or radiation or radioactive contamination or The terrorism event involves the release of radioactive material and it appears that one purpose of the terrorism was 1o release such material or The terrorism event is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or The terrorism event involves the release of pathogenic or poisonous biological or chemical materials and it appears that one purpose of the terrorism was to release such materials. See the definition of terrorism for purposes of the terrorism exclusion. IN73000114 72 0001240 Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO72 2 543 L87V 14056 INSURED COPY IN7300011400 0000 | 2 |
ok Kk Ak kK ok IN758411 11 IMPORTANT INSURANCE INFORMATION k kK ok ok K Please read this Notice carefully. No coverage is provided by this notice nor can it be construed 1o 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 notice the provisions of the policy shall prevail. NOTICE TO POLICYHOLDERS COMMERCIAL GENERAL LIABILITY CONTRACTORS ENHANCEMENT OR CONTRACTORS ENHANCEMENT PLUS ENDORSEMENT The purpose of this notice is 1o make you aware of a change to the endorsements listed below. Your policy includes one of the following endorsements CG 728803 10 CG72890310 CG 73230510 CG 73250510 CG 733006 10 CG 73310610 CG 73320610 CG 736706 10 Contractors Enhancement Endorsement Contractors Enhancement Endorsement Contractors Enhancement Plus Endorsement Contractors Enhancement Plus Endorsement New York Contractors Enhancement Endorsement Virginia Contractors Enhancement Endorsement Virginia Contractors Enhancement Plus Endorsement New York Contractors Enhancement Plus Endorsement The additional insured coverage within these endorsements has been revised to specifically require that in order for there 10 be coverage for an additional insured the injury or damage must be caused in whole or in part by the acls or omissions of you or those acting on your behalf. This revision clarifies that coverage is not extended for injuries or damages caused by an additional insured s sole negligence. IN758411 11 ACP GLAO 7225439696 Page 1 of 1 DIRECT BILL LB7V1405 INSURED COPY 6959856072 72 0001241 IN758411 11 ok Kk Ak ok IMPORTANT INSURANCE INFORMATION ok ok Kok ok Please read this Notice carefully. No coverage is provided by this notice nor can it be construed 1o 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 notice the provisions of the policy shall prevail. NOTICE TO POLICYHOLDERS COMMERCIAL GENERAL LIABILITY CONTRACTORS ENHANCEMENT OR CONTRACTORS ENHANCEMENT PLUS ENDORSEMENT Page 1 of 1 72 0001241 IN758411 11 ACP GLAO 7225439696 DIRECT BILL LB7V1405 INSURED COPY nan nan nan nan 6959856072.0 | 2 |
nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan | 2 |
COMMERCIAL GENERAL LIABILITY IN76890413 COMMERCIAL GENERAL LIABILITY IN76890413 GENERAL LIABILITY FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS Your General Liability policy is changing but the basic coverages are similar. No coverage is provided by this summary nor can it be construed 1o 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. If your current policy includes any of the following endorsements the coverage has been broadened clarified or reduced as noted below. This notice does not reference every editorial change made in your policy. We have followed the policy sequence of provisions in setting out this material. CG 70 02 BODILY INJURY TO CO EMPLOYEES COVERAGE Minor corrections were made with no impact to coverage. HIRED AUTO AND NON OWNED AUTO LIABILITY COVERAGE Replacing CG 72 02 with CG 70 03 12 12 in Maryland only. Replacing CG 72 47 with CG 70 03 12 12 in Maine only. Replacing CG 70 48 with CG 70 03 12 12 in Kansas only. Replacing CG 70 50 with CG 70 03 12 12 in Minnesota only. Replacing CG 70 51 with CG 70 03 12 12 in Montana only. Replacing CG70 03 with updated CG 70 03 12 12 edition in all other states. A. REDUCTIONS IN COVERAGE 1. The fellow Employee Exclusion has been modified to exclude bodily injury of people in familial relationships with the insured. 2. Who Is an Insured has been modified with regard 1o non owned autos to limit coverage to pariners executive officers while non owned autos are being used in your business and employee s if they or those with familial relationships do not own the non owned auto being used in the insured s business. 3. We will no longer provide coverage for liability arising from the maintenance of Non Owned autos. 4. We will no longer provide coverage for attorney fees and litigation expenses assumed through Contractual Liability. 5. We will no longer provide coverage for liability assumed under a sidetrack agreement B. CLARIFICATIONS IN COVERAGE The Other Insurance Provision has been modified to clarify that coverage will be excess over any primary insurance. CG 70 68 GOLF COURSE ADDITIONAL INSURED ENDORSEMENT IN76830413 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO 7225439696 DIRECT BILL LB7V1405 INSURED COPY 6959856072 Page 1 of 2 72 0001242 | 2 |
COMMERCIAL GENERAL LIABILITY IN76890413 A. CLARIFICATIONS IN COVERAGE Who Is An Insured has been modified to remove volunteer workers as this is a defined term within the GG 00 o1 B. EXCLUSIONS Coverage C. Medical Payments has been modified to exclude payment of expenses for bodily injury to users of golf carts. CG 70 78 EXCLUSION TOBACCO PRODUCTS Minor corrections were made with no impact to coverage. CG 71 59 DAMAGE TO YOUR PRODUCT AUTO SERVICE A. CLARIFICATIONS IN COVERAGE The title of the form has been modified to clarify that the endorsement only applies to Auto Service risks. COMMERCIAL GENERAL LIABILITY COVERAGE ENHANCEMENT ENDORSEMENT Replacing CG 72 29 with CG 7212 12 11 in New Hampshire only. Replacing CG72 12 with updated CG 72 12 12 11 edition in all other states. A. CLARIFICATIONS IN COVERAGE Clarification added regarding the application of the deductible. GL 2199 EXCLUSION SUBSIDENCE OF LAND Replacing GL 21 99 with CG 74 20 12 11. A. REDUCTIONS IN COVERAGE Definition has been modified to include artificial causes and the result of erosion contraction and settling. IN 76 89 0413 72 0001243 Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO72 2 5439696 LB7V 14056 INSURED COPY IN7689041300 0000 | 2 |
COMMERCIAL GENERAL LIABILITY IN76 9504 13 2012 GENERAL LIABILITY KANSAS FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS This is a summary of the major changes in your policy. No coverage is provided by this summary 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. The major areas within the policy that broaden or reduce coverage and other changes are highlighted below. This notice does not reference every editorial change made in your policy. We have followed the policy sequence of provisions in setting out this material. COMMERCIAL GENERAL LIABILITY COVERAGE FORMS CG 000104 13 AND CG 0002 04 13 1. EXCLUSIONS A. BROADENING OF COVERAGE 1. Coverage A Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Coverage A Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. B. OTHER CHANGES 1. Coverage A Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect 1o any person that may be under the influence of alcohol. 2. Coverage A Exclusion 2.g. Aircraft Auto Or Walercraft is revised 1o delete reference to in the state. 3. Coverage A Exclusion 2.q. and Coverage B Exclusion 2.p. Recording And Distribution Of Material Or Information In Violation Of Law were previously added to your policy via mandatory endorsement. The endorsement contained an exclusion addressing injury or damage arising out of any action or omission that violates or is alleged to violate cerfain statutes ordinances and regulations. This exclusion has been incorporated directly into your policy. 4. Coverage B Exclusions 2.b. and 2.c. Material Published With Knowledge Of Falsity and Material Published Prior To Policy Period are revised to reference in any manner with respect to oral or writtn publication for consistency with the definition of personal and advertising injury. il. CONDITIONS OTHER CHANGES Condition 4. Other Insurance is generally revised so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. Hl. DEFINITIONS OTHER CHANGES 1. Definition 2. Auto is revised to delete reference 1o in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 12. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. IN76 950413 Includes copyrighted material of Insurance Services Office Inc. Page 1 0f 6 with ils permission ACP GLAO 722543969 DIRECT BILL LB7V1405 INSURED COPY 6959856072 72 0001244 | 2 |
IN 76 95 04 13 OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR CG 00090413 I. EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.1. Electronic Data is revised o introduce an exception for liability for damages because of bodily injury. 1I. DEFINITIONS OTHER CHANGES 1. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged 2. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. LIQUOR LIABILITY COVERAGE FORMS CG 003304 13 AND CG 00 3304 13 WHO IS AN INSURED BROADENING OF COVERAGE We have included trusts as Named Insureds. In addition frustees have been included as insureds but only with respect to their duties as trusiees. CG 00 35 04 13 RAILROAD PROTECTIVE LIABILITY COVERAGE FORM EXCLUSIONS BROADENING OF COVERAGE Exclusion 2..3a Pollution is amended 1o expand the exception to the exclusion with respect to bodily injury or property damage arising out of fuel or lubricants for equipment used at the job location not just when they escape from such equipment. PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM CG 00 37 04 13 AND CG 00 3804 13 I. EXCLUSIONS BROADENING OF COVERAGE 1. Exclusion 2.c. Liquor Liability is revised to provide an exception with respect 1o allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Exclusion 2.1 Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. IN 76 95 04 13 72 0001245 Page 2 of 6 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO72 2 5439696 Ls7v 14056 INSURED COPY IN7695041300 0000 | 2 |
IN769504 13 IN7698504 13 Il. DEFINITIONS OTHER CHANGES 1. Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol.. Definition 1. Auto is revised lo delete reference to in the state with respect to where a vehicle is licensed or principally garaged.. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged ENDORSEMENTS A. BROADENING OF COVERAGE 1. Electronic Data Liability Endorsement CG 04 37 is revised to introduce an exception o the electronic data exclusion in order to provide that the exclusion does not apply to liability for damages because of bodily injury.. Additional Insured Owners Lessees Or Contractors Automatic Status For Other Parties When Required In Written Construction Agreement Endorsement CG 20 38 is introduced to provide additional insured status to those parlies whom the named insured is obligated in writing in a contract or agreement to name as an additional insured.. Druggists Endorsement CG 22 69 is revised to introduce an exception for the administering of vaccinations.. Liguor Liability Bring Your Own Alcohol Establishments Endorsement CG 24 06 is introduced 1o provide coverage to insureds who permit any person to bring any alcoholic beverage on an insured s premises for consumption on the insured s premises. B. REDUCTIONS OF COVERAGE 1. 2. Additional Insured Users Of Golfmobiles Endorsement CG 20 08 is revised to include a definition of the term golfmobile. Liquor Liability Exclusion Endorsements The following endorsements are revised to indicate that the liguor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured s premises for consumption on the named insured s premises CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Part CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Part. CG 29 52 Amendment Of Liquor Liabilily Exclusion for use with Products Completed Operations Liability Coverage Part. CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Part. Total Pollution Exclusion For Designated Products Or Work Endorsement CG 21 99 is introduced to exclude coverage with respect to bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants which arises out of the product or work scheduled in the endorsement.. Amendment Of Personal And Advertising Injury Definition Endorsement CG 24 13 is introduced to remove from the definition of personal and advertising injury the offense of oral and written publication in any manner of material that violates a person s right of privacy. IN76 950413 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO72 2 5439696 LB7V 14056 INSURED COPY IN7695041300 0000 Page 3 of 6 72 0001246 | 2 |
IN76 9504 13 C. OTHER CHANGES 1. Limited Product Withdrawal Expense Endorsement CG 04 36 is revised in part to reinforce that the Participation Percentage is indicated in the Schedule and to reflect that the cost of the insured s participation in each product withdrawal will be borne by the named insured when due. 2. Additional Insured Endorsements The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additlional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the coniract or agreement to provide insurance for the additional insured Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less CG 2003 Additional Insured Concessionaires Trading Under Your Name CG 2005 Additional Insured Controlling Interest CG 2007 Additional Insured Engineers Architects Or Surveyors replaces CG 32 81 CG 20 10 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization replaces CG 32 76 CG 20 11 Additional Insured Managers Or Lessors Of Premises CG 20 12 Addilional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations CG 20 13 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations Relating To Premises itional Insured Vendors replaces CG 32 79 ional Insured Mortgagee Assignee Or Receiver nal Insured Executors Administrators Trustees Or Beneficiaries CG 2024 Additional Insured Owners Or Other Interest From Whom Land Has Been Leased CG 2026 Additional Insured Designated Person Or Organization CG 2027 Additional Insured Go owner Of Insured Premises CG 20 28 Additional Insured Lessor Of Leased Equipment replaces CG 32 84 s CG 2029 Additional Insured Grantor Of Franchise replaces CG 32 80 CG 2030 Oil Or Gas Operations Nonoperating Working Interests CG 20 31 Additional Insured Engineers Architects Or Surveyors CG 20 32 Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured replaces CG 32 82 CG 20 33 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You replaces CG 32 77 CG 20 34 Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You replaces CG 32 83 CG 20 35 Additional Insured Grantor Of Licenses Automatic Status When Required By Licensor CG 20 36 Additional Insured Grantor Of Licenses CG 20 37 Additional Insured Owners Lessees Or Contractors Completed Operations replaces CG 3278 CG 29 35 Additional Insured Slale Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations IN 76 9504 13 72 0001247 Page 4 of 6 Includes copyrighted material of Insurance Services Office Inc. with its permission. ACP GLAO72 2 5439696 LB7V 14056 INSURED COPY IN7695041300 0000 | 2 |
IN76950413 3. Professional Services Endorsements The following endorsements are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. CG 21 16 Exclusion Designated Professional Services. CG 21 52 Exclusion Financial Services. CG 21 56 Exclusion Funeral Services CG 21 57 Exclusion Counseling Services. CG 21 58 Exclusion Professional Veterinarian Services CG 21 59 Exclusion Diagnostic Testing Laboratories CG 22 24 Exclusion Inspection Appraisal And Survey Companies. CG 22 32 Exclusion Professional Services Blood Banks CG 22 33 Exclusion Testing Or Consulting Errors And Omissions CG 22 34 Exclusion Construction Management Errors And Omissions. CG 22 36 Exclusion Products And Professional Services Druggists CG 22 37 Exclusion Products And Professional Services Optical And Hearing Aid Establishments CG 22 39 Exclusion Camps Or Campgrounds CG 22 43 Exclusion Engineers Architects Or Surveyors Professional Liability. CG 22 44 Exclusion Services Furnished By Health Care Providers. CG 22 45 Exclusion Specified Therapeutic Or Cosmetic Services. CG 22 48 Exclusion Insurance And Related Operations CG 22 69 Druggists. CG 22 71 Colleges Or Schools Limited Form. CG 22 72 Colleges Or Schools. CG 22 75 Professional Liability Exclusion Computer Software. CG 22 76 Professional Liability Exclusion Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities. CG 22 77 Prolessional Liability Exclusion Computer Data Processing. CG 22 79 Exclusion Contractors Professional Liability 3 CG 22 80 Limited Exclusion Contractors Professional Liability. CG 22 87 Exclusion Adult Day Care Centers. CG 22 88 Professional Liability Exclusion Electronic Data Processing Services And Compuler Consulting Or Pragramming Services CG 22 90 Professional Liability Exclusion Spas or Personal Enhancement Facilities CG 22 91 Exclusion Telecommunication Equipment Or Service Providers Errors And Omissions o CG 22 96 Limited Exclusion Personal And Adverlising Injury Lawyers. CG 22 98 Exclusion Internet Service Providers And Internet Access Providers Errors And Omissions CG 22 99 Professional Liability Exclusion Web Site Designers CG 23 01 Exclusion Real Estate Agents Or Brokers Errors Or Omissions o CG 31 15 Construction Project Management Protective Liability Coverage 4. Exclusion Volunteer Workers Endorsement CG 21 66 is revised 1o delete reference 1o in the state from Exclusion 2.g. Aircraft Auto Or Walercraft. IN 76 9504 13 Includes copyrighted material of Insurance Services Office Inc. Page 5 of 6 with its permission. ACP GLAO722543969 LB7V 14056 INSURED COPY IN7695041300 0000 72 0001248 Page 5 of 6 72 0001248 | 2 |
IN769504 13 5. Exclusion Failure To Supply Endorsement CG 22 50 is revised to expressly stale that the exclusion also applies 10 the failure of any insured to adequately supply biofuel. 6. Pesticide Or Herbicide Applicator Coverage Endorsements CG 22 64 and CG 28 12 and Lawn Care Services Coverage Endorsement CG 22 93 are revised to reflect a change in titles to Herbicide Applicator Limited Pollution Coverage endorsements and Lawn Care Services Limited Pollution Coverage. 7. Real Estate Property Managed Endorsement CG 22 70 is revised o reinforce thal the insurance provided is excess over any other insurance available whether such insurance is primary or excess. 8. Colleges Or Schools Endorsements CG 22 71 and CG 22 72 are revised 10 expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. 9. Waiver Of Governmental Immunity Endorsement CG 24 14 is revised to reference that the endorsement also applies to the Owners And Contractors Protective Liability Coverage Part and the Railroad Protective Liability Coverage Part 10. Amendment Of Insured Contract Definition Endorsement CG 24 26 and Limited Contractual Liability Railroads Endorsement CG 24 27 are revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another parly o the extent the assumption of the tort liability is permitted by law. 11. Designated Locationss Aggregaie Limit Endorsement CG 25 14 is inlroduced to make a separate Designated Location Aggregate Limit available for each location of the insured listed in the Schedule of the endorsement. 12. Supplemental Extended Reporting Period Endorsement CG 27 10 and Supplemental Extended Reporting Period Endorsement For Specific Accidents Products Work Or Locations Endorsement CG 27 11 are revised to amend Condition 4. Other Insurance so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. 13. Principals Protective Liability Coverage Endorsement CG 28 07 is revised o delete reference to in the state from Exclusion 2.c.1ei. 14. Liquor Liability Exclusion Endorsements The following endorsements are revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Part. CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Part. CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Part. CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Part IN 769504 13 72 0001249 Page 6 of 6 Includes copyrighted material of Insurance Services Office Inc. with ils permission. ACP GLAO72 2 5439696 LB7V 14056 INSURED COPY IN7695041300 0OOO | 2 |
BR 9955 02 10 The policy you have just received is subject to a premium adjustment When your policy was issued the premium was estimated. When your policy expires the actual premium must be determined. Please take a few minutes to read this information about your premium audit. WHY MAKE A PREMIUM This policy was issued with an estimated premium which requires an ADJUSTMENT adjustment after the policy expires. Premium bases for this type of policy vary according to such factors as payroll sales receipts number of admissions contract costs number of units etc. incurred during the term of the policy. After the policy expires and the actual amount of these variables can be determined the estimated premium is adjusted to develop the final premium. If the final 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. HOW WILL THE When the policy expires a final audit will be requested. This will be done by PREMIUM ADJUSTMENT one of the following methods BE MADE 1 Mailing a Policyholder s Report Audit Inquiry to you or 2 A premium auditor representing our company will call you for an audit of your recordsor 3 A premium auditor representing our company will visit you for an audit of your records. This audit of your records will pertain to the variable factors that apply to your policy. You are assured of complete confidentiality by the auditor and the insurance company personnel. WHAT WILL THE The premium auditor will ask to examine your books of original entry and PREMIUM AUDITOR DO ledger accounts that pertain to the variable factors on which the premium is based. The auditor will also routinely verify payroll and sales figures by comparison with quarterly tax reports. Insurance rates differ by the type of work performed. The premium auditor must place each employee in the proper insurance occupational classification. In some cases these classifications are assigned by the state. This step of the audit requires your guidance and assistance When all the different functions of your operation have been identified and the payrolls sales costs and other applicable variables have been assigned to the proper classification the appropriate rates will be applied and the final premium developed. PREMIUM BASES The basis of premium for a Workers Compensation or General Liability policy may be total remuneration including wages and other considerations given to an employee for services rendered. Remuneration includes monies paid out and may also include other considerations such as meals and housing free merchandise or merchandise discounts commissions and bonuses payments for holidays vacations illnesses and overtime incentive plans or profit sharing agreements. Remuneration does notinclude your contributions to employee benefit plans such as group insurance and pension plans or rewards for individual inventions. Under a General Liability policy remuneration does notinclude payrolls for clerical office employees sales persons and drivers unless specifically included by a classification wording. BR 9955 02 10 Page 1 of 3 P GLAO7225439696 L87V 14056 INSURED COPY 72 0001250 HOW WILL THE PREMIUM ADJUSTMENT BE MADE WHAT WILL THE PREMIUM AUDITOR DO PREMIUM BASES BR 9955 02 10 ACP GLAQ7225439696 L87V 14056 INSURED COPY | 2 |
BR 9955 02 10 NOTE In most cases there are predetermined payroll amounts which mustbe used for sole proprietors partners and executive officers. When your policy is audited the auditor will use the predetermined amount rather than actual payroll for individuals in these groups. Contact your agentif you have questions about the amount of payroll which will be used for sole proprietors partners and executive officers. Also included is the payroll of mobile equipment operators and their helpers and drivers of automobiles when such persons are provided under contract at the time the mobile equipment or automobiles are hired. Under a General Liability policy fees paid to employment agencies for temporary personnel provided to you are counted as remuneration. The basis of premium for some classes can include variables such as area number of units admissions to an insured event conducted on your premises or receipts covering your gross earnings for goods or products sold or for operations performed. For subcontracted work the basis of premium is total cost. This means the total cost of all work let or subletin connection with each specific project and includes the cost of all labor materials and equipment furnished used or delivered for use in the performance of the work. Also all fees bonuses or commissions made paid or due are included. It is to your advantage to obtain Certificates of Insurance from your subcontractors and have them available for the premium auditor showing that they have general liability insurance with an occurrence limit preferably equal to your own occurrence limit. Regardless of the occurrence limit carried by the subcontractor in the event you can not fumnish the premium auditor with their Certificate of Insurance their payroll will be attributed to you and your premium will be increased. In most jurisdictions you must have Workers Compensation certificates from each subcontractor as well. When sales or receipts are the basis of premium for a coverage the gross amount of money you or others operating or trading under your name have charged for goods or products sold or operations performed is the figure which should be used. With respect to the ownership andor use of automobiles in connection with your business operations the basis of premium will vary. For owned autos the auditor will need to verify the accuracy of the schedule of autos on your policy plus the date of any sales andor purchases during the policy period. Any premium for the use of nonowned autos will be rated based on the total number of employees at all locations. Any premium for the use of hired autos will be rated based on the cost of hire during the policy period. The best sources of information for a premium audit are the following records. 1. Payroll journals providing monthly total and division of payroll by type of work performed 2. Individual eamings records with an indication of work performed. The date hired andor terminated should be indicated. Gross payroll and overtime should be totaled by month and quarter. 3. Cash disbursements journals with monthly totals disbursed to various accounts including materials subcontractors and casual labor. 4. Cash receipts in sales journals totaled by month and assigned to various Page20f 3 INSURED COPY 72 0001251 RECORD KEEPING AIDS BR 9955 02 10 ACP GLAO7225439696 L87v 14056 INSURED COPY | 2 |
BR 9955 02 10 categories. 5. Vehicle titles registrations or ownership tax receipts. 6. Workers Compensation andor General Liability certificates of insurance indicating coverage for subcontractors. 7. Data processing printouts or computerized records can differ greatly in their value to the auditor depending on the type of records provided. We hope this information will serve as a guide to help you prepare for your premium audit. Our premium auditor is available to help you with any problem or questions you may have with record keeping. Remember for more information contact your agent. FINALLY BR 9955 02 10 ACP GLA07225439696 L87V 14056 Page 3 of 3 72 0001252 INSURED COPY | 2 |
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ACP GLAO7225439696 L87V 14056 COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefuily 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 fo Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage 1o 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 invesligate 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 Ill Limits Of Insurance and 2 Our right and duly to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory CG 00010413 Insurance Services Office Inc. 2012 INSURED COPY 2 The bodily injury or property damage occurs during the policy period and 3 Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive nofice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in parl. 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 properly damage which oceurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 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. Page 1 0f 16 72 0001259 Page 1 0f 16 72 0001259 CG 00010413 Insurance Services Office Inc. 2012 ACP GLA07225439686 L87v 14056 INSURED COPY | 0 |
CG 00010413 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or properly 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 coniract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed 1o be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attomeys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gilt distribution or use of alcoholic beverages. b This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or properly 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 fumishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activily 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 1o 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 72 0001260 Insurance Services Office Inc. 2012 LB7V 14056 INSURED COPY Page 2 of 16 ACP GLAO722543969 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a b 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 1o 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 i 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 al 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 i Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored ireated 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 d Ator from any premises sile 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 1o i Bodily injury or properly damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subconlractor 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. e Ator from any premises site or location on which any insured or any coniraciors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of poliutants. Page 3 of 16 72 0001261 CG 00010413 Insurance Services Office Inc. 2012 ACP GLAO7225439696 87V 14056 INSURED COPY | 1 |
CG 00010413 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 lreat 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 tesling 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 1o any insured. Use includes operation and loading or unioading. 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 The operation of any of the machinery or equipment listed in Paragraph.2 or 13 of the definition of mobile equipment. b h. Mobile Equipment o Bodily injury or property damage arising out f 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 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 expecled 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 1o another s property Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you CG 00010413 72 0001262 Ls7v 14056 Insurance Services Office Inc. 2012 INSURED COPY Page 4 of 16 ACP GLAO7225439696 | 1 |
CG 00010413 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 1o its intended use. n. 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 8 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. o. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury. p. 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 dala processing devices or any other media which are used with electronically controlled equipment. q. 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 s Office Inc. 2012 Page 5 of 16 Y 72 0001263 4 Personal property in the care custody or control of the insured That particular part of real property an 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 operalions or That particular part of any property that must be restored repaired or replaced because your work was incorreclly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to properly 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 Renled To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply 1o property damage included in the products completed operations hazard. 5 6. Damage To Your Product Property damage 1o your product arising out of it or any pari 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. CG 00010413 Insurance Services Office Inc. 2012 ACP GLAO7225439695 L87V 14056 INSURED COPY Page 5 of 16 72 0001263 | 1 |
CG 00010413 4 Any federal state or local slaiute orginance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums thal the insured becomes legally obligaled to pay as damages because of personal and advertising injury 1o 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 suil seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and seltle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section lll Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable fimit 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 acls or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was commitied in the coverage territory during the policy period. 2. Exclusions This insurance does not apply 10 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.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured. Contractual Liability Personal and adverlising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s adverlising idea in your advertisement. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of ihe failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. Page 6 of 16 ACP GLAD7225439696 CG 00010413 72 0001264 Insurance Services Office Inc. 2012 Le7v 14056 INSURED COPY | 1 |
CG 00010413 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 fest for monitor clean up remove contain treal detoxify or neutralize or in any way respond 1o or assess the effects of poliutants or 2 Claim or suit by or on behalf of a governmenial 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 aflack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action faken by governmental authority in hindering or defending against any of these. p Recording And Distribution Of Material Or information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged 1o 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 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitling communicating or distribution of material or information. 3 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 1o infringement in your adverlisement 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 1o Paragraphs 14.a. b. and. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of adverlising 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 name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Polluticn Personal and advertising injury arising out of the actual alleged or threalened discharge dispersal seepage migration release or escape of pollutants at any time. CG 00010413 Insurance Services Office Inc. 2012 ACP GLAD7225439696 Ls7v 14056 INSURED COPY Page 7 of 16 72 0001265 | 1 |
CG 00010413 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 10 us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered al the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing instructing or pariicipating in any physical exercises or games sports or athletic contests. 1. 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 fraffic 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 1o release attachments but only for bond amounts within the applicable limit of insurance. We do not have to fumish these bonds. d. All reasonable expenses incurred by the insured at our request 1o 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 atiorneys expenses taxed against the insured. 1. 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. CG 00010413 72 0001266 Insurance Services Office Inc. 2012 L87vV 14056 INSURED COPY Page 8 of 16 ACP GLAO7225439696 | 1 |
CG 00010413 ACP GLAO7225439696 L87V 14056 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 limils of insurance. If we defend an insured against a suit and an indemnilee of the insured is also named as a party to the suit we will defend that indemnilee if all of the following conditions are met a. The suit against the indemnitee secks 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 1o such assumed by the insured. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract 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. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suil and agree that we can assign the same counsel to defend the insured and the indemnitee and 1. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands nofices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with writlen authorization to a Obtain records and other information related o the suit and b Conduct and control the defense of the indemnitee in such suil. liability o b c d Insurance Services Office Inc. 2012 INSURED COPY CG 00010413 So long as the above conditions are met altorneys 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 Paymenis ends when we have used up the applicable limit of insurance in the payment of judgments or seftlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION It 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 parinership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect 1o the conduct of your business. Your managers are insureds but only with respect 1o their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A lrust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. Page 9 of 16 72 0001267 t and the information rrence are such that exist between the d the interests of the insured ask us to e defense of that suil and agree that counsel to defend the s and the investigation s Page 9 of 16 72 0001267 CG 00010413 Insurance Services Office Inc. 2012 ACP GLAO7225439696 87V 14056 INSURED COPY | 1 |
CG 00010413 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 perscnal and advertising injury a To you to your pariners 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 1o your other volunteer workers while perlorming duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunieer worker as a consequence of Paragraph 1a above c For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or d Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented 1o in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any pariner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect 1o duties as such. That representative will have all your rights and duties under this Goverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or properly damage that occurred before you acquired or formed the organization and. 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 1o the conduct of any current or past parinership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION Il LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suils brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. CG 00010413 72 0001268 Insurance Services Office Inc. 2012 LB7vV 14056 INSURED COPY Page 10 of 16 ACP GLAO7225439696 | 1 |
ACP GLA07225439696 187V 14056 3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operalions hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately 1o each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended 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 Bankruptey or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Parl. 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 exient 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 CG 00010413 Insurance Services Office Inc. 2012 INSURED COPY CG 00010413 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or 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.. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our requesl 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. 3. 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 setflement 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 thal are in excess of the applicable limit of insurance. An agreed settlement means a setllement and release of liability signed by us the insured and the claimant or the claimant s legal representative. is brought against Page 11 of 16 72 0001269 CG 00010413 Insurance Services Office Inc. 2012 ACP GLA07225439696 187V 14056 INSURED COPY Page 11 of 16 72 0001269 | 1 |
CG 00010413 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 ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner 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 1 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 entiled to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the eamed premium we will return the excess to the first Named Insured.. 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 CG 00010413 72 0001270 Insurance Services Office Inc. 2012 Ls7v 14056 INSURED COPY Page 12 of 16 ACP GLAO7225439696 | 1 |
b. Those slalements 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 Parl 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 It the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not fo 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 fo the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. CG 00010413 However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. international waters or airspace but only if the injury or damage occurs in the course of travel or fransportation 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 ferritory described in Paragraph a. above 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Intemet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a setllement 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 reslored o 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 ACP GLAO7225439696 L87v 14056 INSURED COPY Page 13 of 16 72 0001271 | 1 |
CG 00010413 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 Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 Thatindemnifies a railroad for bodily injury or properly damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle 4 tracks road beds tunnel underpass or crossing 2 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reporls surveys field orders change orders or drawings and specifications or b Giving directions or insiructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering aclivities. 10. 1 12. Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker..Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. Mobile equipment means any of the following types of land vehicles including any atiached machinery or equipment a. Bulldozers farm machinery forkliifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility 1o permanently mounted 1 Power cranes shovels loaders diggers or drills or. 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. CG 00010413 72 0001272 Insurance Services Office Inc. 2012 LB7V 14056 INSURED COPY Page 14 of 16 ACP GLAO7225439696 | 1 |
13. 14. 15. CG 00010413 ACP GLAQ7225439696 L87V 14056 However self propelied 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 bul not conslruction 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 fo 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. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest defention 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 slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your adverlisement. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor sool fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. Insurance Services Office Inc. 2012 INSURED COPY CG 00010413 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products thal are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been pul 1o its intended use by any person or organization other than another contractor or subcontractor working on the same project Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury fo tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed 1o occur al the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. Page 15 of 16 72 0001273 CG 00010413 Insurance Services Office Inc. 2012 ACP GLAO7225439696 87V 14056 INSURED COPY Page 15 of 16 72 0001273 | 1 |
CG 00010413 18. 19. 20. 21 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. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you 1o substitute for a permanent employee on leave or fo meet seasonal or short term workload conditions. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented 1o or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. All terms and conditions of this policy apply unless modified by this endorsement. CG 00010413 72 0001274 Insurance Services Office Inc. 2012 L87V 14056 INSURED COPY Page 16 of 16 ACP GLAO7225439696 | 1 |
POLICY NUMBER COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS AND OKLAHOMA CHANGES TRANSFER OF RIGHTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. Condition 8. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Section IV does not apply to COV ERAGE C. MEDICAL PAYMENTS. Copyright Insurance Setrvices Office inc. 1984 CG 0109 11 85 ACP GLAO7225439696 LB7V 14056 INSURED COPY nan nan nan nan 72.0 1275.0 | 2 |
nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan nan | 2 |
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