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COMMERCIAL GENERAL LIABILITY POLICY NUMBER p630 9H388401 PHX18 ISSUE DATE 01 19 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Additional Insured Persons or Organizations TORCHY S HOLDINGS LLC TORCHY S INTERMEDIATE HOLDINGS LLC 4501 SPRINGDALE RD AUSTIN TX 78723 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 personal injury or advertising injury caused in whole or in par by your acts or omissions or the acts or omissions of those acting on your behalf A. In the performance of your ongoing operations or B. In connection with your premises owned by or rented to you. CG D4 11 04 08 Page 1 of 1 2008 The Travelers Companies Inc Includes the copyrighted material of Insurance Services Office. Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS A. AMENDMENT OF DEFINITION OF PERSONAL 2. T AND ADVERTISING INJURY P The following replaces the definition of personal M and advertising injury in the DEFINITIONS Sec N tion 2 Personal and advertising injury means personal u injury or advertising injury g B. AMENDMENT OF CONTRACTUAL LIABILITY. EXCLUSION EXCEPTION FOR DAMAGES b BECAUSE OF PERSONAL INJURY ASSUMED o BY NAMED INSURED IN AN INSURED CON Ji TRACT 3 T 1. The following is added to Exclusion e. Con p tractual Liability in Paragraph 2. of SEC 1. TION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY f. LIABILITY This exclusion also does not apply to liability for damages because of personal injury as sumed by you in a contract or agreement that is an insured contract provided that the personal injury is caused by an offense committed subsequent to the execution of the contract or agreement. Solely for the purpos es of liability assumed by you in an insured contract reasonable attorney fees and nec essary litigation expenses incurred by or for a C. ADDI party other than an insured will be deemed to CIz be damages because of personal injury provided that The f 1 Liability to such party for or for the cost Exclu of that party s defense has also been as COVE sumed by you in the same insured con INJUE tract and Acce 2 Such attomey fees and litigation expens sonal es are for defense of that party against a Pers civil or alternative dispute resolution pro of any ceeding in which damages to which this organ insurance applies are alleged. matiol 2. The following replaces the third sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily In jury And Property Damage Liability or Para graph 2.e. of Section Coverage B Per sonal and Advertising Injury Liability such payments will not be deemed to be damages because of bodily injury property damage or personal injury and will not reduce the limits of insurance. 3. The following repliaces the first paragraph of Paragraph f. of the definition of insured con tract in the DEFINITIONS Section f. That part of any other contract or agree ment pertaining to your business includ ing an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury property damage or per sonal injury to a third party or organiza tion. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. C. ADDITION OF ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFOR MATION EXCLUSION The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Access Or Disclosure Of Confidential Or Per sonal Information Personal injury or advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal infor mation. IR I Page 1 of 4 CGD4710115 025633 2015 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY D. AMENDMENT OF OTHER EXCLUSIONS 1. The following replaces Exclusion b. Material Published With Knowledge Of Falsity in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY b. Material Published With Knowledge Of Falsity Personal injury or advertising injury arising out of oral or written publication including publication by electronic means of material if done by or at the direction of the insured with knowledge of its falsi ty The following replaces Exclusion c. Material Published Prior To Policy Period in Para graph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY c. Material Published Or Used Prior To Policy Period 1 Personal injury or advertising inju ry arising out of oral or written publi cation including publication by elec tronic means of material whose first publication took place before the be ginning of the policy period or Advertising injury arising out of in fringement of copyright title or slo gan in your advertisement whose first infringement in your advertise ment was committed before the be ginning of the policy period. The following replaces Exclusion f. Breach Of Contract in Paragraph 2. of SECTION t COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY f. Breach Of Contract Advertising injury arising out of a breach of contract. The following replaces Exclusion g. Quatlity Or Performance of Goods Failure To Conform To Statements in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY g. Quality Or Performance Of Goods Failure To Conform To Statements Advertising injury arising out of the fail ure of goods products or services to con form with any statement of quality or per formance made in your advertisement 5. The following replaces Exclusion h. Wrong Description Of Prices in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY h. Wrong Description Of Prices Advertising injury arising out of the wrong description of the price of goods products or services stated in your ad vertisement. 6. The following replaces Exclusion i. In fringement Of Copyright Patent Trade mark Or Trade Secret in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY i. Intellectual Property Personal injury or advertising injury arising out of any actual or alleged in fringement or violation of any of the fol lowing rights or laws or any other per sonal injury or advertising injury alleged in any claim or suit that also alleges any such infringement or violation 1 Copyright 2 Patent 3 Trade dress 4 Trade name 5 Trademark 6 Trade secret or 7 Other intellectual property rights or laws. This exclusion does not apply to. 1 Advertising injury arising out of any actual or alleged infringement or vio lation of another s copyright title or slogan in your advertisement or Any other personal injury or adver tising injury alleged in any claim or suit that also alleges any such in fringement or violation of another s copyright title or slogan in your advertisement. 2 7. The following replaces Exclusion j. Insureds In Media And Internet Type Businesses in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY Page 2 of 4 2015 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission CGD4710115 | 2 |
COMMERCIAL GENERAL LIABILITY j. Insureds In Media And Internet Type Businesses Personal injury or advertising injury arising out of an offense committed by an insured whose business is 1 Advertising broadcasting or pub lishing 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. This exclusion does not apply to Para graphs a.1 2 and 3 of the definition of personal injury. For the purposes of this exclusion 1 Creating and producing correspond ence written in the conduct of your business bulletins financial or annu al reports or newsletters about your goods products or services will not be considered the business of pub lishing and The placing of frames borders or links or advertising for you or others anywhere on the Internet will not by itself be considered the business of advertising broadcasting or publish ing 8. The following replaces Paragraph 2 of Ex clusion n. Pollution Related in Paragraph 2. of SECTION COVERAGES COVER AGE B PERSONAL AND ADVERTISING INJURY LIABILITY 2 Claim or suit by or on behalf of a govern mental authority because of testing for monitoring cleaning up removing con taining treating detoxifying or neutraliz ing or in any way responding to or as sessing the effects of pollutants. E. AMENDMENT OF WHO IS AN INSURED The following replaces the introductory phrase of Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED 1 Bodily injury or personal injury F. AMENDMENT OF LIMITS OF INSURANCE The following replaces Paragraph 4. of SECTION Iit LIMITS OF INSURANCE Subject to 2. above the Personal and Advertising Injury Limit is the most we will pay under Cover age B for the sum of all damages because of all 2 personal injury and advertising injury sus tained by any one person or organization.. ADDITIONAL DEFINITIONS The following is added to the DEFINITIONS Sec tion Advertising injury a. Means injury other than personal injury caused by one or more of the following of fenses 1 Oral or written publication including pub b. a. b. 2 lication by electronic means of material in your advertisement that slanders or li bels a person or organization or dispar ages a person s or organization s goods products or services provided that the claim is made or the suit is brought by a person or organization that claims to have been slandered or libeled or that claims to have had its goods products or ser vices disparaged Oral or written publication including pub lication by electronic means of material in your advertisement that a Appropriates a person s name voice photograph or likeness or b Unreasonably places a person in a false light or 3 Infringement of copyright title or slo gan in your advertisement provided that the claim is made or the suit is brought by a person or organization that claims ownership of such copyright title or slogan. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Broadcasting means transmitting any audio or visual material for any purpose By radio or television or In by or with any other electronic means of communication such as the Internet if that material is part of 1 Radio or television programming being transmitted 2 Other entertainment educational instruc tional music or news programming being transmitted or 3 Advertising transmitted with any of such programming. Page 3 of 4 CGD4710115 0256834 2015 The Travelers indemnity Company. Al rights reserved Includes copyrighted material of Insurance Services Office nc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY Personal injury a. Means injury other than advertising injury caused by one or more of the following of fenses 1 False arrest detention or imprisonment 2 Malicious prosecution 3 The wrongful eviction from wrongful entry 4 into or invasion of the right of private oc cupancy of a room dwelling or premises that a person occupies provided that the wrongful eviction wrongful entry or inva sion of the right of private occupancy is committed by or on behalf of the owner landlord or lessor of that room dwelling or premises Oral or written publication including pub lication by electronic means of material that slanders or libels a person or organi zation or disparages a person s or organ ization s goods products or services provided that the claim is made or the suit is brought by a person or organiza tion that claims to have been slandered or libeled or that claims to have had its goods products or services disparaged or 5 Oral or written publication including pub lication by electronic means of material that a Appropriates a person s name voice photograph or likeness or b Unreasonably places a person in a false light. b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Slogan a. Means a phrase that others use for the pur pose of attracting attention in their advertis ing b. Does not include a phrase used as or in the name of 1 Any person or organization other than you or 2 Any business or any of the premises goods products services or work of any person or organization other than you Title means a name of a literary or artistic work. Page 4 of 4 CGD4710115 2015 The Travelers Indemnity Company Al rights reserved includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY POLICY NUMBER P630 9H388401 PHX18 ISSUE DATE01 18 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations ALL RESTAURANT PREMISES AND OPERATIONS 025635 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 bodily injury or property damage arising out of your products manufactured sold handled or distributed 1. On from or in connection with the use of any premises described in the Schedule or 2. In connection with the conduct of any operation described in the Schedule when conducted by you or on your behalf. CG 2407 01 96 Copyright Insurance Services Office Inc. 1994 Paragraph a. of the definition of Products completed operations hazard in the DEFINITIONS Section is replaced by the following Products completed operations hazard a. Includes all bodily injury and property dam age that arises out of your products if the bodily injury or property damage occurs af ter you have relinquished possession of those products. Page 1 of 1 Copyright Insurance Services Office Inc. 1994 Page 1 of 1 CG 2407 01 96 025635 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OTHER INSURANCE ADDITIONAL INSUREDS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS COMMERCIAL GENERAL LIABILITY CONDITIONS Section V Paragraph 4. Other insurance is amended as follows 1. The following is added to Paragraph a. Primary Insurance However if you specifically agree in a written con tract or written agreement that the insurance pro vided to an additional insured under this Coverage Part must apply on a primary basis or a primary and non contributory basis this insur ance is primary to other insurance that is avail able to such additional insured which covers such additional insured as a named insured and we will not share with that other insurance provided that a. The bodily injury or property damage for which coverage is sought occurs and b. The personal injury or advertising injury for which coverage is sought arises out of an of fense committed subsequent to the signing and execution of that contract or agreement by you. The first Subparagraph 2 of Paragraph b. Ex cess Insurance regarding any other primary in surance available to you is deleted The following is added to Paragraph b. Excess Insurance as an additional subparagraph under Subparagraph 1 That is available to the insured when the insured is added as an additional insured under any other policy including any umbrella or excess policy. CG DO 37 04 05 Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT NON CUMULATION OF EACH OCCURRENCE LIMIT OF LIABILITY and NON CUMULATION OF PERSONAL and ADVERTISING INJURY LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 5 of SECTION Il LIMITS OF INSUR ANCE is amended to include the following Non cumulation of Each Occurrence Limit If one occurrence causes bodily injury andor prop erty damage during the policy period and during the policy period of one or more prior andor future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company the amount we will pay is limited. This policy s Each Occurrence Limit will be reduced by the amount of each payment made by us and any affiliated insurance company under the other policies because of such occur rence 2 Paragraph 4 of SECTION IIl LIMITS OF INSUR ANCE is amended to include the following Non cumulation of Personal and Advertising Limit If personal injury andor advertising injury is sustained by any one person or organization dur ing the policy period and during the policy period of one or more prior andor future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company the amount we will pay is limited. This policy s Personal Injury and Advertis ing Injury Limit will be reduced by the amount of each payment made by us and any affiliated in surance company under the other policies be cause of such personal injury andor advertising injury. 100 00 0 O O 0 Page 1 of 1 Copyright Travelers Indemnity Company 1997 CG D2031297 025836 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE POLLUTION COOLING DEHUMIDIFYING AND WATER HEATING EQUIPMENT EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The following replaces Paragraph 1ai of Exclusion f. Pollution in Paragraph 2. of SECTION COVER AGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or origi nating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests CG D4 1304 08 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR SERVICE INDUSTRIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE This endorsement broadens coverage. However coverage for any injury damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement 1o this Coverage Part and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en dorsement and the rest of your policy carefully to determine rights duties and what is and is not covered A B. C. Broadened Named Insured Blanket Additional Insured Broad Form Vendors Damage To Premises Rented To You Perils of fire explosion lightning smoke water Limit increased to 300000 Blanket Waiver Of Subrogation Blanket Additional Insured Owners Managers Or Lessors Of Premises Blanket Additional Insured Lessors Of Leased Equipment Incidental Medical Malpractice Personal njury Assumed By Contract PROVISIONS A. CG D4 670713 BROADENED NAMED INSURED 1. The following is added to SECTION Il WHO IS AN INSURED Any organization other than a partnership or joint venture over which you maintain owner ship or majority interest on the effective date of the policy qualifies as a Named Insured. However coverage for any such organization will cease as of the date during the policy pe riod that you no longer maintain ownership of or majority interest in such organization. 2. The following replaces Paragraph 4.a. of SECTION II WHO IS AN INSURED a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period whichever is earlier uniess reported in writing to us within 180 days. I Jo K. 2013 The Travelers Indemnity Company. All right reserved Amended Bodily Injury Definition Bodily Injury To Co Employees And Co Volunteer Workers Aircraft Chartered With Crew Non Owned Watercraft Increased From 25 Feet To 50 Feet Increased Supplementary Payments Cost of bail bonds increased to 2500 Loss of earnings increased to 500 per day Knowledge And Notice Of Occurrence Or Offense Unintentional Omission Reasonable Force Bodily Injury Or Property Damage BLANKET ADDITIONAL INSURED BROAD FORM VENDORS The following is added to SECTION Il AN INSURED Any person or organization that is a vendor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured but only with re spect to liability for bodily injury or property damage that a. s caused by an occurrence that takes place after you have signed and executed that con tract or agreement and b. Arises out of your products which are dis tributed or sold in the regular course of such vendor s business. The insurance provided to such vendor is subject to the following provisions a. The limits of insurance provided to such ven dor will be the limits which you agreed to pro WHO Is Page 1 of 7 Includes copyrighted material of Insurance Services Office Inc. with its permission. CG D4 670713 025837 2013 The Travelers Indemnity Company. Al right reserved Includes copyrighted materiaf of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY vide in the written contract or agreement or the limits shown in the Declarations of this Coverage Part whichever are less. b. The insurance provided to such vendor does not apply to 1 Bodily injury or property damage for which the vendor 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 that the vendor would have in the absence of the contract or agreement 2 Any express warranty unauthorized by you Any physical or chemical change in your products made intentionally by such vendor Repackaging unless unpacked solely for the purpose of inspection demonstration testing or the substitution of parts under instructions from the manufacturer and then repackaged in the original container Any failure to make such inspections ad justments tests or servicing as vendors agree to perform or normally undertake to perform in the regular course of business in connection with the distribution or sale of your products Demonstration installation servicing or repair operations except such operations performed at such vendor s premises in connection with the sale of your prod ucts or Your products which after distribution or sale by you have been labeled or re labeled or used as a container part or in gredient of any other thing or substance by or for such vendor. 3 4 5 6 7 Coverage under this provision does not apply to a. Any person or organization from whom you have acquired your products or any ingre dient part or container entering into accom panying or containing such products or b. Any vendor for which coverage as an addi tional insured specifically is scheduled by en dorsement. C. DAMAGE TO PREMISES RENTED TO YOU 1. The following replaces the last paragraph of Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABIL ITY Page 2 of 7 2013 The Travelers Indemnit Includes copyrighted material of Insurance Exclusions c. through n. do not apply to dam age to premises while rented to you or tem porarily occupied by you with permission of the owner caused by a. Fire b. Explosion c. Lightning d. Smoke resulting from such fire explosion or lightning or e. Water. A separate limit of insurance applies to such damage to premises as described in Para graph 6. of Section lll Limits Of Insurance. This insurance does not apply to damage to premises while rented to you or temporarily occupied by you with permission of the owner caused by a. Rupture bursting or operation of pres sure relief devices b. Rupture or bursting due to expansion or swelling of the contents of any building or structure caused by or resulting from wa ter c. Explosion of steam boilers steam pipes steam engines or steam turbines. The following replaces Paragraph 6. of SEC TION il LIMITS OF INSURANCE Subject to 5. above the Damage To Prem ises 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 temporarily occupied by you with permission of the owner caused by fire explosion lightning smoke resulting from such fire explosion or lightning or wa ter. The Damage To Premises Rented To You Limit will apply to all damage proximately caused by the same occurrence whether such damage results from fire explosion lightning smoke resulting from such fire ex plosion or lightning water or any combina tion of any of these The Damage To Premises Rented To You Limit will be the higher of a. 300000 or b. The amount shown on the Declarations of this Coverage Part for Damage To Prem ises Rented To You Limit. CG D4 6707 13 2013 The Travelers Indemnity Company. Al right reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY a. Is bodily injury or property damage caused by an occurrence that takes place or per sonal injury or advertising injury caused by an offense that is committed after you have signed and executed that contract or agree ment and b. Arises out of the ownership maintenance or use of that part of any premises leased to you. The insurance provided to such premises owner manager or lessor is subject to the following pro visions a. The limits of insurance provided to such premises owner manager or lessor will be the limits which you agreed to provide in the written contract or agreement or the limits shown on the Declarations of this Coverage Part whichever are less. b. The insurance provided to such premises owner manager or lessor does not apply to 1 Bodily injury or property damage caused by an occurrence that takes place or personal injury or advertising injury caused by an offense that is com mitted after you cease to be a tenant in that premises or Structural alterations new construction or demolition operations performed by or on behalf of such premises owner manager or lessor. c. The insurance provided to such premises owner manager or lessor is excess over any valid and collectible other insurance available to such premises owner manager or lessor uniess you have agreed in a written contract for this insurance to apply on a primary or contributory basis. BLANKET ADDITIONAL INSURED LESSORS OF LEASED EQUIPMENT The following is added to SECTION Il WHO IS AN INSURED Any person or organization that is an equipment lessor and that you have agreed in a written con tract or agreement to include as an additional in sured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage personal injury or advertis ing injury that a. Is bodily injury or property damage caused by an occurrence that takes place or per sonal injury or adverising injury caused by an offense that is committed after you have 2 3. The following replaces Paragraph a. of the definition of insured contract in the DEFINI TIONS Section a. A contract for a lease of premises. How ever that portion of the contract for a lease of premises that indemnifies any person or organization for damage to premises while rented to you or tempo rarily occupied by you with permission of the owner caused by 1 Fire 2 Explosion 3 Lightning 4 Smoke resulting from such fire ex plosion or lightning or 5 Water. is not an insured contract 4. The following replaces Paragraph 4.b.1b of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS b That is insurance for premises rented to you or temporarily occupied by you with the permission of the owner D. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of SECTION IV COMMERCIAL GENERAL LI ABILITY CONDITIONS We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of premises owned or occupied by or rented or loaned to you ongoing operations performed by you or on your behaif done under a contract with that person or organization your work or your products. We waive this right where you have agreed to do so as part of a written contract executed by you prior to loss. BLANKET ADDITIONAL INSURED OWNERS MANAGERS OR LESSORS OF PREMISES The following is added to SECTION 1l WHO IS AN INSURED Any person or organization that is a premises owner manager or lessor and that you have agreed in a written contract or agreement to name as an additional insured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage personal injury or advertising injury that Page 3 of 7 CGD4670713 025638 2013 The Travelers Indemnity Company. Allright reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY signed and executed that contract or agree ment and Is caused in whole or in part by your acts or omissions in the maintenance operation or use by you of equipment leased to you by such equipment lessor. The insurance provided to such equipment lessor is subject to the following provisions a. 1. The limits of insurance provided to such equipment lessor will be the limits which you agreed to provide in the written contract or agreement or the limits shown on the Decla rations of this Coverage Part whichever are less The insurance provided to such equipment lessor does not apply to any bodily injury or property damage caused by an occur rence that takes place or personal injury or advertising injury caused by an offense that is committed after the equipment lease ex pires. The insurance provided to such equipment lessor is excess over any valid and collectible other insurance available to such equipment lessor unless you have agreed in a written contract for this insurance to apply on a pri mary or contributory basis.. INCIDENTAL MEDICAL MALPRACTICE The following is added to the definition of oc currence in the DEFINITIONS Section Unless you are in the business or occupation of providing professional health care services occurrence also means an act or omission committed in providing or failing to provide incidental medical services to a person The following is added to the DEFINITIONS Section Incidental medical services means a. Medical surgical dental laboratory x ray or nursing service or treatment advice or instruction or the related furnishing of food or beverages b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances c. First aid or d. Good Samaritan services. Good Samaritan services means any emer gency medical services for which no compen sation is demanded or received. The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Unless you are in the business or occupation of providing professional health care services Paragraphs 1a b c and d above do not apply to any bodily injury arising out of any providing or failing to provide incidental medical services by any of your employ ees other than an employed doctor. Any such employees providing or failing to pro vide incidental medical services during their work hours for you will be deemed to be act ing within the scope of their employment by you or performing duties related to the con duct of your business. The following exclusion is added to Para graph 2. Exclusions of SECTION COV ERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Sale Of Pharmaceuticals Bodily injury or property damage arising out of the willful violation of a penal statute or ordinance relating to the sale of pharmaceuti cals committed by or with the knowledge or consent of the insured The following is added to Paragraph. of SECTION Ill LIMITS OF INSURANCE For the purposes of determining the applica ble Each Occurrence Limit all related acts or omissions committed in the providing or fail ing to provide incidental medical services to any one person will be considered one oc currence. The following is added to Paragraph 4.b. Ex cess Insurance of SECTION IV COM MERCIAL GENERAL LIABILITY CONDI TIONS This insurance is excess over any valid and collectible other insurance whether primary excess contingent or on any other basis that is available to any of your employees for bodily injury that arises out of providing or failing to provide incidental medical services to any person to the extent not subject to Paragraph 2.a.1 of SECTION If WHO IS AN INSURED. Page 4 of 7 CGD4670713 2013 The Travelers Indemnity Company. Al right reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY H. PERSONAL INJURY ASSUMED BY CON TRACT 1. The following replaces Exclusion e. Contrac tual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE B PER SONAL AND ADVERTISING INJURY Li ABILITY e. Contractual Liability Personal injury or advertising injury 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 1 Liability for damages that the insured would have in the absence of the contract or agreement or Liability for damages because of personal injury assumed in a con tract or agreement that is an insured contract provided that the personal injury is caused by an offense com mitted subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable at torneys fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of personal injury provided that a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attomey fees and litigation expenses are for defense of that party against a civil or aiternative dispute resolution proceeding in which damages to which this in surance applies are alleged. 2. The following replaces the third sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B Notwithstanding the provisions of Paragraph 2.b.2 of Section I Coverage A Bodily In jury And Property Damage Liability or Para graph 2.e. of Section Coverage B Per sonal and Advertising Injury Liability such payments will not be deemed to be damages because of bodily injury property damage or personal injury and will not reduce the limits of insurance. 2 b 3. The following replaces Paragraph 2.d. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B d. The allegations in the suit and the in formation we know about the occur rence or offense are such that no conflict appears to exist between the interests of the insured and the interests of the in demnitee 4. The following replaces the first subparagraph of Paragraph f. of the definition of insured contract in the DEFINITIONS Section f. That part of any other contract or agree ment pertaining to your business includ ing an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury property damage or per sonal injury to a third person or organiza tion. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. AMENDED BODILY INJURY DEFINITION The following replaces the definition of bodily in jury in the DEFINITIONS Section Bodily injury means bodily injury mental an guish mental injury shock fright disability hu miliation sickness or disease sustained by a per son including death resulting from any of these at any time. BODILY INJURY TO CO EMPLOYEES AND CO VOLUNTEER WORKERS The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Paragraph 1a above does not apply to bodily injury to a coemployee in the course of the co employee s employment by you or performing duties related to the conduct of your business or to bodily injury to your other volunteer workers while performing duties related to the conduct of your business.. AIRCRAFT CHARTERED WITH CREW The following is added to Exclusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY This exclusion does not apply to an aircraft that is N0 0000 00 3 Page 5 of 7 CG D467 0713 025638 2013 The Travelers Indemnity Company. All right reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY a Chartered with crew to any insured e. The following provision b Not owned by any insured and a. above but only for tt. surance provided under c Not being used to carry any person or prop you or any insured fistec erty for a charge. of Section Il Who Is A L. NON OWNED WATERCRAFT 1 Notice to us of suc 1. The following replaces Paragraph 2 of Ex fense must be giver clusion g. Aircraft Auto Or Watercraft in ble only after the o Paragraph 2. of SECTION COVERAGES is known to you if y COVERAGE A BODILY INJURY AND any of your partner PROPERTY DAMAGE LIABILITY an individual if you 2 A watercraft you do not own that is joint venture any is an individual if yc a Fifty feet long or less and company any of y b Not being used to carry any person or individual if you ar property for a charge. executive officers 2. The following is added to Paragraph 2. of an orgamzallonj oh SECTION Il WHO IS AN INSURED joint venture fimite trust or any emp Any person or organization that with your ex you to give notice press or implied consent either uses or is re offense. sponsible for the use of a watercraft that you do not own that is you are a partners ited liability compan 1 Fifty feet long or less and your partners join 2 Not being used to carry any person or managers or trustee property for a charge. tice to us of such o M. INCREASED SUPPLEMENTARY PAYMENTS must be given as so after the occurrence 1. The following replaces Paragraph 1.b. of by SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER Any individual w AGES i A partner or b. Up to 2500 for cost of bail bonds re nership or jo quired because of accidents or traffic law i A manager violations arising out of the use of any company vehicle to which the Bodily Injury Liability iiii A trustee of Coverage applies. We do not have to fur nish these bonds. iv An executiv any other or 2. The foliowing replaces Paragraph 1.d. of SUPPLEMENTARY PAYMENTS COVER that is your p AGES A AND B of SECTION COVER member manac AGES b Any employee d. All reasonable expenses incurred by the partnership joir insured at our request to assist us in the abty company investigation or defense of the claim or zation 1o give suit including actual loss of earnings up fence or offens to 500 a day because of time off from 3 Notice to us of suc work. fense will be deeme N. KNOWLEDGE AND NOTICE OF OCCUR as practicable if it is RENCE OR OFFENSE soon as practicabl R compensation insure The following is added to Paragraph 2. Dutes In you subsequently gi The Event of Occurrence Offense Claim or occurrence or offe. Suit of SECTION IV COMMERCIAL GEN ticable after any of t ERAL LIABILITY CONDITIONS Page 6 of 7 2013 The Travelers Indemnity Company Al right reserved Inciudes copyrighted material of Insurance Services Office Inc. with its permission e. The following provisions apply to Paragraph a. above but only for the purposes of the in surance provided under this Coverage Part to you or any insured fisted in Paragraph 1. or 2. of Section Il Who Is An Insured 1 Notice to us of such occurrence or of fense must be given as soon as practica ble only after the occurrence or offense is known to you if you are an individual any of your partners or members who is an individual if you are a partnership or joint venture any of your managers who is an individual if you are a limited liability company any of your trustees who is an individual if you are a trust any of your executive officers or directors if you are an organization other than a partnership joint venture limited liability company or trust or any employee authorized by you to give notice of an occurrence or offense. 2 If you are a partnership joint venture lim ited liability company or trust and none of your partners joint venture members managers or trustees are individuals no tice to us of such occurrence or offense must be given as soon as practicable only after the occurrence or offense is known by a Any individual who is i A partner or member of any part nership or joint venture ii A manager of any limited liability company iii A trustee of any trust or iv An executive officer or director of any other organization that is your partner joint venture member manager or trustee or b Any employee authorized by such partnership joint venture limited li ability company trust or other organi zation to give notice of an occur rence or offense. Notice to us of such occurrence or of fense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers compensation insurer. This applies only if you subsequently give notice to us of the occurrence or offense as soon as prac ticable after any of the persons described 3 CG D4 670713 | 2 |
COMMERCIAL GENERAL LIABILITY in Paragraphs e.1 or 2 above discov ers that the occurrence or offense may result in sums to which the insurance provided under this Coverage Part may apply. However if this policy includes an endorse ment that provides limited coverage for bod ily injury or property damage or pollution costs arising out of a discharge release or escape of pollutants which contains a re quirement that the discharge release or es cape of pollutants must be reported to us within a specific number of days after its abrupt commencement this Paragraph e. does not affect that requirement O. UNINTENTIONAL OMISSION The following is added to Paragraph 6. Repre sentations of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS The unintentional omission of or unintentional er ror in any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However this provision does not affect our right to collect addi tional premium or to exercise our rights of cancel lation or nonrenewal in accordance with applica ble insurance laws or regulations. REASONABLE FORCE BODILY INJURY OR PROPERTY DAMAGE The following replaces Exclusion a. Expected Or Intended Injury in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY a. Expected or Intended Injury or Damage Bodily injury or property damage expected or intended from the standpoint of the in sured. This exclusion does not apply to bod ily injury or property damage resulting from the use of reasonable force to protect any person or property R A 000 O Page 7 of 7 CGD4670713 025640 2013 The Travelers Indemnity Company. All right reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened 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 contrib uted concurrently or in any sequence to such injury or damage. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Personal injury or advertising injury which would not have taken place in whole or in part but for the actual al leged or threatened inhalation of inges tion of contact with exposure to exis tence of or presence of any fungi or bacteria on or within a building or struc ture including its contents regardless of whether any other cause event material or product contributed concurrently or in any sequence to such injury. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Defini tions Section Fungi means any type or form of fungus in cluding mold or mildew and any mycotoxins spores scents or byproducts produced or re leased by fungi. CG D243 0102 Copyright The Travelers Indemnity Company 2002 Includes copyrighted material of Insurance Services Office Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE PROPERTY DAMAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PROVISIONS The definition of property damage in SECTION V DEFINITIONS is deleted in its entirety and replaced by the following Property damage means Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or Loss of use of tangible property that is not physi cally injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. Property damage does not include loss of or dam age to electronic media and records. As used in this definition electronic media and records means a. Electronic data processing recording or storage media such as films tapes discs drums or cells b. Data stored on such media or. Programming records for electronic data process ing or electronically controlled equipment 00O O 00O A Page 1 of 1 Copyright The Travelers Indemnity Company 2003 CG D256 1103 025841 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNSOLICITED COMMUNICATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY Unsolicited Communication Bodily injury or property damage arising out of any actual or alleged violation of any law that re stricts or prohibits the sending transmitting or dis tributing of unsolicited communication The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Unsolicited Communication Personal injury or advertising injury arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication The following is added to the DEFINITIONS Sec tion Unsolicited communication means any commu nication in any form that the recipient of such communication did not specifically request to re ceive. J exclusion is added to Paragraph 2. of SECTION COVERAGES. A BODILY INJURY AND PROP GE LIABILITY Communication CGD3261011 Page 1 of 1 2011 The Travelers indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The following replaces Paragraph 5 of Exclusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY 5 Bodily injury or property damage arising out of a The operation of machinery or equipment 1. b that is attached to or part of a land vehi cle that would qualify as mobile equip ment under the definition of mobile equipment if such land vehicle were not subject to a compulsory or financial re sponsibility law or other motor vehicle in surance law where it is licensed or prin cipally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equip ment. 2. The following replaces the definition of auto in the DEFINITIONS Section 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads in cluding any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment. The following is added as to the definition of mo bile equipment in the DEFINITIONS Section However mobile equipment does not in clude any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Such land vehicles are considered autos. Paragraph 3. of SECTION Il WHO IS AN IN SURED is deleted replaces Paragraph 5 of Exclusion Auto Or Watercraft in Paragraph 2. COVERAGES COVERAGE A. JURY AND PROPERTY DAMAGE injury or property damage arising operation of machinery or equipment is attached to or part of a land vehi hat would qualify as mobile equip. Page 10of 1 CG D356 0514 028842 2014 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following replaces Paragraph 2 of Exclusion b. Contractual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Assumed by you in a contract or agreement that is an insured contract provided that the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an insured contract rea sonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of bedily injury or property dam age provided that a Liability to such party for or for the cost of that party s defense has also been as sumed by you in the same insured con tract and b Such attorney fees and litigation ex penses are for defense of that party 3. against a civil or alternative dispute reso lution proceeding in which damages to which this insurance applies are alleged. 2. The following replaces the beginning of Para graph 2. and Paragraphs 2.a. b.. d. and e. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVERAGES 2. If we defend you against a suit and your in demnitee is also named as a party to the suit we will have the right and duty to de fend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which you have assumed the liability of the indemnitee in a contract or agreement that is an insured con tract b. This insurance applies to such liability as sumed by you c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by you in the same in sured contract d. The allegations in the suit and the in formation we know about the occur rence or offense are such that we de termine that no conflict exists between your interests and the interests of the in demnitee e. You and the indemnitee ask us to con duct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to defend you and the indemnitee and The following replaces the last sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B of SEC TION COVERAGES Our obligation to defend your indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments settlements or medical expenses or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met CG D4 2107 08 2008 The Travelers Companies inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Violation Of Consumer Financial Protection Laws Bodily injury or properly damage arising out of any actual or alleged violation of a consumer financial protection law or any other bodily in jury or property damage alleged in any claim or suit that also alleges any such violation. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY Violation Of Consumer Financial Protection Laws Personal injury or advertising injury arising out of any actual or alleged violation of a con sumer financial protection law or any other personal injury or advertising injury alleged in any claim or suit that also alleges any such violation. The following is added to the DEFINITIONS Section Consumer financial identity information means any of the following information for a person that is used or collected for the purpose of serving as a factor in establishing such person s eligibil ity for personal credit insurance or employment or for the purpose of conducting a business transaction a. Part or all of the account number the expi ration date or the balance of any credit debit bank or other financial account. b. Information bearing on a person s credit worthiness credit standing or credit capac ity.. Social security number. d. Drivers license number. e. Birth date. Consumer financial protection law means a. The Fair Credit Reporting Act FCRA and any of its amendments including the Fair and Accurate Credit Transactions Act FACTA b. California s Song Beverly Credit Card Act and any of its amendments or c. Any other law or regulation that restricts or prohibits the collection dissemination transmission distribution or use of con sumer financial identity information. Page 1 of 1 CG D618 10 11 023843 2011 The Travelers Indemnity Company. All rights reserved | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Access Or Disclosure Of Confidential Or Personal Information Bodily injury or property damage arising out of any access to or disclosure of any person s or organization s confidential or personal information. CG D746 0115 2015 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humiliation or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employ ment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or to repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humiliation or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal in jury to that person at whom any of the em ployment related practices described in Paragraphs a b or c above is directed. 00000 00O CG F268 0505 Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. 025844 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DISCRIMINATION TEXAS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY is amended by adding the following additional exclusion This insurance does not apply to Bodily injury resulting from or as a consequence of discrimination whether intentional or unintentional based upon a person s sex sexual preference marital status race creed religion national origin age physical capabilities characteristics or condition or mental capabilities or condition. 2. COVE ADVE by ad This Pers conse intent persol race capat capat COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY is amended by adding the following additional exclusion This insurance does not apply to Personal injury resulting from or as a consequence of discrimination whether intentional or unintentional based upon a person s sex sexual preference maritai status race creed religion national origin age physical capabilities characteristics or condition or mental capabilities or condition. CGF8800515 Page 1 of 1 2015 The Travelers Indemnity Company. All rights reserved | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS 2. Any obligation to This insurance does not apply to any injury damage payments or exp loss cost payment or expense including but not else who must m limited to defense and investigation of any kind aris injury or damage ing out of resulting from caused by or contributed pense or to by the actual or alleged presence or actual al 3. Any request orc leged or threatened dispersal release ingestion in mitigate remedia halation or absorption of lead lead compounds or of lead lead cor lead which is or was contained or incorporated into stances containing any material or substance. This exclusion applies but is not limited to 1. Any supervision instructions recommendations warnings or advice given in connection with the above 2. Any obligation to share damages losses costs payments or expenses with or repay someone else who must make payment because of such injury or damage loss cost payment or ex pense or 3. Any request order or requirement to abate mitigate remediate contain remove or dispose of lead lead compounds or materials or sub stances containing lead. A 00 Il 3 0 Page 1 of 1 CG D0 76 06 93 025845 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION EXTERIOR INSULATION AND FINISH SYSTEM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART This insurance does not apply to bodily injury property damage advertising injury or personal injury arising out of 1. The design manufacture construction fabrica tion distribution sale preparation installation application maintenance or repair including re modeling service correction or replacement of any exterior insulation and finish system com monly referred to as synthetic stucco or EIFS or any part thereof or any substantially similar sys tem or any part thereof including the application or use of conditioners primers accessories flashing coatings caulking or sealants in con nection with such a system or Your product or your work with respect to any exterior component fixture or feature of any structure if an exterior insulation and finish sys tem or any substantially similar system is used on any part of that structure The following is added to DEFINITIONS Section V Exterior insulation and finish system means an exterior cladding or finish system used on any part of any structure and consisting of a. b. A rigid or semi rigid insulation board made of expanded polystyrene or other materials and The adhesive andor mechanical fasteners used to attach the insulation board to the substrate and A reinforced base coat and A finish coat providing surface texture and color. CG D2 04 06 01 Copyright The Travelers Indemnity Company 2001 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION TOBACCO OR NICOTINE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to the DEFINITIONS Section Nicotine or nicotine product a. Means 1 Natural or synthetic nicotine in any form or 2 Any good or product that contains natural or synthetic nicotine. b. Includes 1 Any material substance ingredient or element on in or part of natural or synthetic nicotine 2 Any smoke vapor soot fume or other substance that results from natural or synthetic nicotine or from any good or product that contains natural or synthetic nicotine Any filter paper tip wrapper or other part of any good or product containing natural or synthetic nicotine 4 Any device used for the absorption consumption ingestion inhalation or delivery of natural or synthetic nicotine or any container material part equipment or accessory furnished in connection with such device Any warranty or representation made at any time with respect to the fitness quality durability performance or use of natural or synthetic nicotine or with respect to any good or product that contains natural or synthetic nicotine or The providing of or failure to provide warnings or instructions with respect to natural or synthetic nicotine or with respect to any good or product that contains natural or synthetic nicotine. 3 5 6 PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Tobacco Or Nicotine Bodily injury or property damage arising out of the 1 Sale manufacture handling distribution marketing or advertising of or 2 Actual alleged or threatened absorption consumption ingestion inhalation or use of or exposure to any tobacco or tobacco product or nicotine or nicotine product. This exclusion applies to all such bodily injury or property damage regardless of whether such bodily injury or property damage is included in the products completed operations hazard. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Tobacco Or Nicotine Personal injury or advertising injury arising out of the 1 Sale manufacture handling distribution marketing or advertising of or 2 Actual alleged or threatened absorption consumption ingestion inhalation or use of or exposure to any tobacco or tobacco product or nicotine or nicotine product. Page 1 0f 2 CG D226 0615 025848 2015 The Travelers Indemnity Company. Al rights reserved | 2 |
COMMERCIAL GENERAL LIABILITY Tobacco or tobacco product a. Means 1 Any type of tobacco in any form or 2 Any good or product that contains tobacco. b. Includes 1 Any material substance ingredient or element on in or part of tobacco Any smoke vapor soot fume or other substance that results from tobacco or from any good or product that contains tobacco Any filter paper tip wrapper or other part of any good or product containing tobacco 2 3 4 Any device used for the absorption 5 6 consumption ingestion inhalation or delivery of tobacco or any container material part equipment or accessory furnished in connection with such device Any warranty or representation made at any time with respect to the fitness quality durability performance or use of tobacco or with respect to any good or product that contains tobacco or The providing of or failure to provide warnings or instructions with respect to tobacco or with respect to any good or product that contains tobacco Page 2 of 2 2015 The Travelers Indemnity Company All rights reserved CG D226 0615 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION SILICA OR SILICA RELATED DUST This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY Silica Or Silica Related Dust Bodily injury or property damage arising out of the actual alleged or threatened discharge dis persal emission release escape handling con tact with exposure to or inhalation or respiration of silica or silica related dust. This includes but is not limited to 1 Any supervision instructions recommenda tions warnings or advice given or which should have been given in connection with the above and 2 Any obligation to share damages with or re pay someone else who must pay damages because of such bodily injury or property damage The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Silica Pers of the dispe conta Silica Or Silica Related Dust Personal injury or advertising injury arising out of the actual alleged or threatened discharge dispersal emission release escape handling contact with exposure to or inhalation or respira tion of silica or silica related dust. This in cludes but is not limited to 1 Any supervision instructions recommenda tions warnings or advice given or which should have been given in connection with the above and 2 Any obligation to share damages with or re pay someone else who must pay damages because of such injury. The following is added to the DEFINITIONS Sec tion Silica means silicon dioxide occurring in crystal line amorphous and impure forms silica parti cles silica dust or silica compounds. Silica related dust means a mixture or combina tion of silica and other dust or particles. Page 1 of 1 CGD2400915 o847 2015 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION WAR This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion i. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to i. War Bodily injury or property damage aris ing directly or indirectly out of 1 War including undeclared or civil war or Warlike action by a military force in cluding action in hindering or de fending against an actual or expected attack by any government sovereign or other authority using military per sonnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these regardless of any other cause or event that contributes concurrently or in any se quence to the injury or damage. 2 3 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to War Personal injury or advertising injury aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force includ ing action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by gov ernmental authority in hindering or de fending against any of these regardless of any other cause or event that contributes concurrently or in any sequence to the injury. CG D2420102 Copyright The Travelers Indemnity Company 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION AIRCRAFT PRODUCTS AND GROUNDING This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of either SECTION COVER AGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY or SECTION COVERAGES PRODUCTS COMPLETED OPERATIONS BODILY INJURY AND PROP ERTY DAMAGE LIABILITY whichever section is included in the Coverage Part Aircraft Products And Grounding Bodily injury or property damage included within the products completed operations haz ard and arising out of any aircraft product or the grounding of any aircraft. The following is added to the DEFINITIONS Sec tion Aircraft product means a. Aircraft including missile or spacecraft and any ground support or control equipment used with any aircraft missile or spacecraft b. Any of your products manufactured for used in connection with or incorporated into aircraft aircraft parts aircraft equipment or aircraft accessories including ground han dling tools and equipment c. Any of your products used for the purpose of guidance navigation or direction of aircraft whether an aircraft is in flight or on the ground or d. Training aids navigation charts navigation aids manuals blueprints engineering or other data or advice services and labor relat ing to such aircraft or products. Grounding means the withdrawal of one or more aircraft from flight operations or the imposition of speed passenger or load restrictions on such air craft by reason of the actual alleged or sus pected existence of any defect fault or condition in such aircraft or any part thereof a. Sold handled or distributed by the insured or b. Manufactured assembled or processed by any other person or organization 1 According to specifications plans sug gestions orders or drawings of the in sured or 2 With tools machinery or other equipment furnished to such persons or organiza tions by the insured whether such aircraft so withdrawn or restricted are owned or operated by the same or different persons or organizations. 000 4 R S Page 1 of 1 CGT3230811 025848 2011 The Travelers Indemnity Company. All rights reserved | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE C MEDICAL PAYMENTS LIMITED PRODUCTS HAZARD INCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS Under SECTION Exclusion f. of COVERAGE C MEDICAL PAYMENTS is replaced by the following. Which occurs away from premises you own or rent and is included within the products completed operations hazard. CG T3 56 07 86 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY This insurance does not apply to bodily injury a. Any supervision instructions recommendati property damage personal injury or advertising warnings or advice given or which should t injury arising out of the actual or alleged presence been given in connection with the above and or actual alleged or threatened dispersal of asbes tos asbestos fibers or products containing asbestos provided that the injury or damage is caused or con tributed to by the hazardous properties of asbestos. This includes b. Any obligation to share damages with or re someone else who must pay damages becz of such injury or damage. a. Any supervision instructions recommendations warnings or advice given or which should have been given in connection with the above and b. Any obligation to share damages with or repay someone else who must pay damages because of such injury or damage. OO z 2 i S Copyright The Travelers Indemnity Company. Page 1 of 1 CG T4 78 02 90 025649 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. With regard to liability for Bodily Injury Property insured to give notice of occurrence claim or Damage and Personal And Advertising Injury suit or forward demands notices summonses unless we are prejudiced by the insured s or your or legal papers in connection with a claim or suit failure to comply with the requirement no provi will bar coverage under this Coverage Part. sion of this Coverage Part requiring you or any CG 0103 06 06 ISO Propetties Inc. 2005 Page 1 of 1 | 2 |
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 COVERAGE C. MEDICAL PAYMENTS. OO UL Page 1 of 1 Copyright Insurance Services Office Inc. 1984 CG 01091185 025850 | 2 |
EMPLOYEE BENEFITS LIABILITY 00 O O A 3 PR R HiaE nan nan nan nan 25851.0 | 2 |
EMPLOYEE BENEFITS LIABILITY | 2 |
I A TRAVELERSJ One Tower Square Hartford Connecticut 06183 EMPLOYEE BENEFITS LIABILITY POLICY NO. P630 9H388401 PHX18 COVERAGE PART DECLARATIONS ISSUE DATE 01 19 18 INSURING COMPANY THE PHOENIX INSURANCE COMPANY DECLARATIONS PERIOD From 01 01 18 to 01 01 18 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employee Benefits Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE Employee Benefits Liability Coverage Form Limits of Insurance Aggregate Limit 2000000 Each Employee Limit 1000000 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS LIMITED LIABILITY COMPANY 4. RETROACTIVE DATE This insurance does not apply to negligent acts errors or omissions which occurred before the Retroactive Date if any shown below. Retroactive Date 01 01 2017 5. EMPLOYEE BENEFIT PROGRAMS OTHER THAN THOSE LISTED IN SECTION VII DEFINITIONS 6. DEDUCTIBLE 1000 EACH EMPLOYEE 7. PREMIUM COMPUTATION Rate Estimated No. Per Estimated Minimum of Employees Employee Premium Premium 3334 1360 s 300 8. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. Limits of Insurance 2000000 1000000 Rate Per Employee Estimatec of Emplo CG T0 0909 93 028682 PRODUCER LOCKTON COMPANIES LLC Page 1 of 1 OFFICE KANSAS CITY cscse nan nan nan nan 95.0 | 2 |
TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM Beginning on Page SECTION EMPLOYEE BENEFITS LIABILITY COVERAGE Insuring Agreement 1 Exclusions Supplementary Payments 3 SECTION Il WHO 1S AN INSURED N B.. 3 SECTION IiI LIMITS OF INSURANCE. N 4 SECTION IV DEDUCTIBLE 4 SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS 5 Bankruptcy 8 5 Duties in The Event of Act Error or Omission Claim Or Suit 5 Legal Action Against Us 6 Other Insurance 6 Premium Audit 6 Representations 7 Separation of Insureds 7 Transfer of Rights of Recovery Against Others To Us 7 When We Do Not Renew 7 Cancellation Non renewal And Renewal Conditions Applicable to Commercial General Liability Coverage Part 7 SECTION VI EXTENDED REPORTING PERIODS. i T SECTION VII DEFINITIONS 8 CGTo430116 2016 The Travelers indemnity Company. All rights reserved. Page 1 of 1 02565 EMPLOYEE BENEFITS LIABILITY COVERAGE FORM | 2 |
COMMERCIAL GENERAL LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS INSURANCE PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section VII Definitions. SECTION EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of loss to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for loss to which this insurance does not apply. We may at our discretion investigate any negligent act error or omission and settle any claim or suit that may result But 1 The amount we will pay for damages is limited as described in Section il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. This insurance applies to loss only if 1 The loss is caused by a negligent act error or omission committed by the insured or by any other person for whose acts the insured is legally liable in the administration of your employee benefit program The negligent act error or omission is committed in the coverage territory 2 3 The negligent act emror or omission was committed on or after the Retroactive Date if any shown in the Declarations of this Coverage Part and before the end of the policy period and A claim or suit for damages because of the loss is first made or brought against any insured in accordance with Paragraph e. below during the policy period or any Extended Reporting Period we provide under Section VI Extended Reporting Periods. Each negligent act error or omission in a series of related negligent acts emors or omissions will be deemed to have been committed on the date the first such negligent act error or omission in that series is committed. If the Retroactive Date is left blank in the Declarations of this Coverage Par the Retroactive Date will be deemed to be the first day of the policy period. A claim or suit seeking damages will be deemed to have been first made or brought at the earlier of the following times 1 When we or any insured first receives written notice of such claim or suit whichever comes first or 2 When we first receive written notice from any insured of a specific negligent act error or omission that caused the loss which resulted in such claim or suit. All claims or suits that seek damages because of loss sustained by any one employee including the employee s dependents and beneficiaries will be deemed 4 s 1O O 00 e Page 1 of 9 CGT1010116 025654 2016 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY to have been first made or brought at the time the first of those claims or suits is made or brought against any insured. A claim or suit that seeks damages will be deemed to have been first made or brought at the time we receive written notice from any insured of a specific negligent act error or omission only if that notice contains all of the following information 1 How when and where the negligent act error or omission was committed 2 A description of what happened 3 A description of what damages may result 4 The identity of the person or organization that may make a claim or bring a suit and 5 The identity of each insured that committed the negligent act error or omission Notice to us that any insured may in the future receive written notice of a negligent act error or omission claim or suit is not notice of a specific negligent act error or omission. 2. Exclusions This insurance does not apply to a. Criminal Dishonest Fraudulent Or Malicious Acts Loss arising out of any criminal dishonest fraudulent or malicious act error or omission committed by any insured including the willful or reckless violation of any law or regulation. Injury Or Damage Bodily injury property damage injury or advertising injury. Failure To Perform A Contract Loss arising out of failure of performance of contract by any insurer. Insufficiency Of Funds personal Loss arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program. Inadequacy Of Performance Of Investment Or Advice Given With Respect To Participation Any claim or suit 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. Workers Compensation And Similar Laws Loss 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 faw. ERISA Loss for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as amended or by any similar federal state or local laws. Available Benefits Loss of benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other collectible insurance. Taxes Fines Or Penalties 1 Any taxes fines or penalties including those imposed under any provision of the Internal Revenue Code of 1986 as amended or any similar state or local law or 2 Any loss cost or expense arising out of the imposition of such taxes fines or penalties. Employment Related Practices Loss to 1 A person arising out of any a Refusalto employ that person b Termination of that person s employment or c Employment related practice or policy such as coercion demotion reassignment discipline failure to promote or advance harassment humiliation discrimination libel slander violation of the person s right of privacy malicious prosecution or false arrest detention or Page 2 of 9 CGT1010116 2016 The Travelers Indemnity Company. All rights reserved includes copyrighted material of insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as 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. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are also insureds but only with respect to their liability as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees 2. Each of the following is also an insured Each of 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 f you are a limited liability company who is or was authorized to administer your employee benefit program. Any person or organization having proper temporary authorization to administer your employee benefit program if you die but only until your legal representative is appointed. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership imprisonment applied to or directed at that person regardiess of whether such practice or policy occurs is applied or is committed before during or after the time of that person s employment or 2 The spouse child parent brother or sister of that person as a consequence of loss to that person at whom any of the employment related practices or policies described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the loss. Access Or Disclosure Of Confidential Or Personal Information Loss arising out of any access or disclosure of any person s or organization s confidential or personal information. Supplementary Payments We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. b. All expenses we incur. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. All costs taxed against the insured in the suit. Pre judgment interest awarded against the insured on that part of the judgment we pay. If we made 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. Allinterest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or 0.0 0 0O A 5 Page 30f 9 CGT1010116 025855 2016 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY 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 180th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage under this provision does not apply to any negligent act error or omission that was committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. This paragraph does not apply to any such partnership joint venture or limited liability company that otherwise qualifies as an insured under Section Il Who Is An Insured SECTION Ill 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. lInsureds b. Claims made or suits brought c. Persons or organizations making claims or bringing suits d. Acts errors or omissions or e. Benefits included in your employee benefit program. The Aggregate Limit is the most we will pay for all damages because of all negligent acts errors or omissions committed in the administration of your employee benefit program. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including damages sustained by such employee s dependents and beneficiaries because of all negligent acts errors or omissions committed in the administration of your employee benefit program. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV DEDUCTIBLE 1. The Deductible shown in the Declarations and the rules below fix the amount of damages incurred by or on behalf of you or any insured that you will be responsible for paying regardless of the number of a. Insureds b. Claims made or suits brought c. Persons or organizations making claims or bringing suits Acts errors or omissions or Benefits included in your employee benefit program. If no amount is shown for the Deductible in the Declarations the Deductible does not apply to this Coverage Part. The Deductible applies to all damages sustained by any one employee including damages sustained by such employee s dependents and beneficiaries because of all negligent acts errors or omissions committed in the administration of your employee benefit program. The Limits of Insurance will not be reduced by the amount of damages within the deductible amount. The terms of this policy including those with respect to a. Our right and duty with respect to the defense of suits and b. Your duties in the event of an act error or omission claim or suit apply irrespective of the application of the deductible amount. If we settle a claim or suit for damages or pay a judgment for damages awarded in a suit that are subject to a deductible we may pay any part or all of the deductible amount. You will promptly reimburse us for such part of the deductible amount as we have paid SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. Page 4 of 9 CGT1010116 2016 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY 2. Duties In The Event Of Act Error Or Omission Claim Or Suit a. CGT1010116 You must see to it that we are notified as soon as practicable of an act error or omission which may resuit in a claim. To the extent possible notice should include 1 What the act error or omission was and when it was committed and 2 The names and addresses of any employees who may suffer loss caused by the act error or omission. If a claim is made or suit is brought by 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 a suit Authorize us to obtain records and other information Cooperate with us in the investigation or settlement of the claim or defense against the suit and 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 loss to which this insurance may also apply. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 2 3 4 The following provisions apply to Paragraph a. above but only for purposes of the insurance provided under this Coverage Part to you or any insured listed in Paragraph 1. or 2. of Section Il Who Is An Insured 1 Notice to us of such act error or omission must be given as soon as practicable only after the act error or omission is known to you if you are an individual any of your partners or members who is an individual if you are a partnership or joint 2016 The Travelers Indemnity Company Al rights reserved venture any of your managers who is an individual if you are a limited liability company any of your executive officers or directors if you are an organization other than a partnership joint venture or limited liability company any of your trustees who is an individual if you are a trust or any employee authorized by you to give notice of an act error or omission If you are a partnership joint venture limited liabilty company or trust and none of your partners joint venture members managers or trustees are individuals notice to us of such act error or omission must be given as soon as practicable only after the act error or omission is known by a Any individual who is i A lawfully elected or appointed official executive officer or director of any public entity i A partner or member of any partnership or joint venture iii A manager of any limited lial company iv An executive officer or director of any other organization or v Atrustee of any trust that is your partner joint venture member manager or trustee or Any empioyee authorized by such partnership joint venture limited liability company trust or other organization to give notice of an act error or omission 2 ility b 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 settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that Page 5 of 9 Includes copyrighted material of Insurance Services Office Inc. with its permission. Il 0 O 5 OO O O 3 | 2 |
COMMERCIAL GENERAL LIABILITY are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 4. Other Insurance If valid and collectible other insurance is available to the insured for a loss we cover under this Coverage Part our obligations are limited as described in Paragraphs a. and b. below. As used anywhere in this Coverage Part other insurance means insurance or the funding of losses that is provided by through or on behalf of i Another insurance company ii Us or any of our affiliated insurance companies iii Any risk retention group or iv Any self insurance method or program in which case the insured will be deemed to be the provider of other insurance Other insurance does not include umbrella insurance or excess insurance that was bought specifically to apply in excess of the Limits of Insurance shown in the Declarations As used anywhere in this Coverage Part other insurer means a provider of other insurance. As used in Paragraph b. below insurer means a provider of insurance. a. Primary Insurance This insurance is primary. If any of the other insurance is also primary we will share with all that other insurance by the method described in Paragraph b. below. b. 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. Page 6 of 9 2016 The Travelers Indemnit Includes copyrighted material of Insurance. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. The unintentional omission of or unintentional error in any information provided by you which we relied upon in issuing this policy will not prejudice your rights under this insurance. However this provision does not affect our right to collect additional premium or to exercise our rights of cancellation or renewal in accordance with applicable insurance laws or regulations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claimis made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Company Al rights reserved CGT1010116 Services Office Inc. with its permission 2016 The Travelers Indemnity Company. All rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY Part those rights are transferred to us. The insured must do nothing after loss to impair them At our request the insured will bring suit or transfer those rights to us and help us enforce them 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. 10. Cancellation Nonrenewal And Renewal Conditions Applicable To Commercial General Liability Coverage Part All conditions relating to cancellation nonrenewal or renewal that are included in any endorsement applicable to the Commercial General Liability Coverage Part attached to this policy also apply to this Coverage Part. SECTION VI EXTENDED REPORTING PERIODS 1. We will provide one or more Extended Reporting Periods as described below if a. This Coverage Part is cancelled or not renewed for any reason or b. We renew or replace this Coverage Part with insurance that has a Retroactive Date later than the date shown in the Declarations. 2. The Extended Reporting Periods do not extend the policy period or change the scope of coverage provided. They only apply to claims or suits for loss caused by a negligent act error or omission committed on or after the Retroactive Date shown in the Declarations and before the end of the policy period. Once in effect Extended Reporting Periods may not be canceled 3. A Basic Extended Reporting Period is automatically provided without additional charge. This period starts with the end of the policy period and lasts for 90 days. The Basic Extended Reporting Period does not apply to claims or suits for loss covered under subsequent insurance you purchase or that would be covered under such insurance but for the exhaustion of its applicable limit of insurance. The Basic Extended Reporting Period does not reinstate or increase the limits of insurance. 4. A Supplemental Extended Reporting Period is available but only by an endorsement and for an extra charge. This supplemental period starts with the end of the policy peried and lasts for three years or an unlimited period of time as set forth in the Supplemental Extended Reporting Period Endorsement. This supplemental period replaces the Basic Extended Reporting Period. This Supplemental Extended Reporting Period will not go into effect unless we receive all of the following within 90 days after the end of the policy period and you have fulfilled all other duties and complied with all other conditions and requirements under this policy a. A written request from you to purchase the Supplemental Extended Reporting Period b. Full payment of the earned premium for this policy c. Payment of the additional premium for the Supplemental Extended Reporting Period Endorsement and d. Repayment of any deductible you owe us under this Coverage Part. We will determine the additional premium for that endorsement in accordance with our rules and rates. The additional premium for the Supplemental Extended Reporting Period Endorsement will not exceed 200 of the annual premium for this policy. This endorsement will set forth the terms not inconsistent with this Section VI Extended Reporting Periods applicable to the Supplemental Extended Reporting Period including a provision to the effect that the insurance afforded for claims or suits first made or brought against any insured during such period is excess over any valid and collectible other insurance available under insurance in force after the Supplemental Extended Reporting Period starts. The Supplemental Extended Reporting Period does not reinstate or increase the limits of insurance. SECTION VIl DEFINITIONS 1. Administration means a. Providing information to employees including their dependents and beneficiaries with respect to eligibility for or scope of the employee benefit program CGT1010116 o2se57 Page 7 of 9 2016 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Bodily injury a. Means any harm including sickness or disease to the health of a person b. Includes mental anguish injury or illness or emotional distress. Cafeteria plan means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. Coverage territory means the United States of America including its territories and possessions Puerto Rico or Canada provided that the insured s responsibility to pay damages is determined in a suit on the merits in the United States of America including its territories and possessions Puerto Rico or Canada or in a settlement we agree to Employee means a person actively employed formerly employed on leave of absence or disabled or retired. Employee includes a leased worker. Employee does not include a temporary worker. Employee benefit program a. Means a program providing some or all of the following benefits to your employees whether provided through a cafeteria plan or otherwise 1 Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts provided that no one other than your employee may subscribe to such benefits and such benefits are made generally available to all of those employees who satisfy the plan s eligibility requirements Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than your employee may subscribe to such benefits and such benefits are made generally available to all of those employees who are eligible under the plan for such benefits Unemployment insurance social security benefits workers compensation and disability benefits 2 3 b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit included in the employee benefit program. However administration does not include handling payroll deductions. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement Advertising injury a. Means injury other than personal injury caused by one or more of the following offenses 1 Oral or written publication including publication by electronic means of material in your advertisement that slanders or libels a person or organization or disparages a person s or organization s goods products or services provided that the claim is made or the suit is brought by a person or organization that claims to have been slandered or libeled or that claims to have had its goods products or services disparaged 2 Oral or written publication including publication by electronic means of material in your advertisement that a Appropriates a person s name voice photograph or likeness or b Unreasonably places a person in a false light or Infringement of copyright title or slogan in your advertisement provided that the claim is made or the suit is brought by a person or organization that claims ownership of such copyright title or slogan. 3 Page 8 of 9 CGT1010116 2016 The Travelers Indemnity Company. Al rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY a. 4 5 Vacation plans including buy and sell programs leave of absence programs including military matemity family and civil leave tuition assistance plans transportation and health club subsidies and Any other similar benefits designated in the Declarations or added thereto by endorsement. Does not include any benefit plan or program described in Paragraph a. above that is self insured. 9. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. 10. Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11. Personal injury Means injury other than advertising injury caused by one or more of the following offenses 1 2 3 4 False arrest detention or imprisonment 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 provided that the wrongful eviction wrongful entry or invasion of the right of private occupancy is committed by or on behalf of the owner landlord or lessor of that room dwelling or premises Oral or written publication including publication by electronic means of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services provided that the claim is made or the suit is brought by a person or organization that claims to have been slandered or libeled or that claims to 12. 13 14. 15. 16. have had its goods products or services disparaged or 5 Oral or written publication including publication by electronic means of material that a Appropriates a person s name voice photograph or likeness or b Unreasonably places a person in a false light. b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property or b. Loss of use of tangible property that is not physically injured. Slogan a. Means a phrase that others use for the purpose of attracting attention in their advertising. b. Does not include a phrase used as or in the name of 1 Any person or organization other than you or 2 Any business or any of the premises goods products services or work of any person or organization other than you. Suit means a civil proceeding in which damages because of loss 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 submits with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Title means a name of a literary or artistic work. O O 00 A Page 9 of 9 CGT1010116 025838 2016 The Travelers Indemnity Company. Al rights reserved Includes copyrighted material of Insurance Services Office Inc. with its permission | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This coverage part is amended as follows 2. Under Section li WHO IS AN INSURED 1. Under Section EMPLOYEE BENEFITS LIA 1.b. Is replaced by the following BILITY COVERAGE Exclusion 2.c. is amended to b. A partnership or joint venture you are read as follows insured. Your members your partners c. Loss arising out of failure of performance of their spouses are also insureds but only contract by any insurer respect to their duties as partners or m bers of a joint venture. 2. Under Section lI WHO IS AN INSURED Item 1.b. is replaced by the following b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to their duties as partners or mem bers of a joint venture. CG T5 30 06 89 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION IRC VIOLATIONS This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS b. Any expense loss or damages i arising out of This insurance does not apply to the imposition of such taxes fines interest penalties or other charges or ii resulting from any provision of the Internal Revenue Code of 1986 as amended. a. Any taxes fines interest penalties or other cost imposed under or resulting from any provision of the Internal Revenue Code of 1986 as amended or any similar state or local law or 5 t LR A Copyright The Travelers Indemnity Company 1995 Page 1 of 1 CG D0 38 03 95 25850 | 2 |
LIQUOR LIABILITY o o O s G 1 nan nan nan nan 25880.0 | 2 |
LIQUOR LIABILITY | 2 |
TRAVELERST LIQUOR LIABILITY COVERAGE PART DECLARATIONS INSURING COMPANY THE PHOENIX INSURANCE COMPANY One Tower Square Hartford Connecticut 06183 POLICY NUMBER P630 9H388401 PHX18 ISSUE DATE 01 19 18 Declarations Period From 01 01 18 to 01 01 18 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Liquor Liability Coverage Part consist of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE LIQUOR LIABILITY COVERAGE FORM LIMITS OF INSURANCE 2000000 1000000 Aggregate Limit Each Common Cause Limit 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS LIMITED LIABILITY COMPANY 4. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. CG 700403 94 PRODUCER LOCKTON COMPANIES LLC 025881 OFFICE KANSAS CITY nan nan nan nan 95.0 cscae | 2 |
TABLE OF CONTENTS LIQUOR LIABILITY COVERAGE FORM CG 00331001 SECTION LIQUOR LIABILITY COVERAGE Beginning on Page Insuring Agreement. Exclusions Supplementary Payments....................... SECTION I WHO IS AN INSURED. SECTION Ill LIMITS OF INSURANCE w w SECTION IV LIQUOR LIABILITY CONDITIONS Bankruptcy. Duties in the Evem of Injury Clalm or Sult Legal Action Against Us.. Other Insurance Premium Audit. Representations Separation of Insureds Transfer of Rights of Recovery Against Others To Us... When We Do Not Renew.. 3 3 4 4 4 4 5 5 5 SECTION V DEFINITIONS TABLE OF CONTENTS LIQUOR LIABILITY COVERAGE FORM CG 00331001 SECTION LIQUOR LIABILITY COVERAGE Beginning on Page Insuring Agreement. Exclusions Supplementary Payments TABLE OF CONTENTS LIQUOR LIABILITY COVERAGE FORM CG 00331001 Insuring Agreement. EXCIUSIONS.. o 1 Supplementary Payments... 2 SECTION I WHO IS AN INSURED.2 SECTION Ill LIMITS OF INSURANCE.3 SECTION IV LIQUOR LIABILITY CONDITIONS... Bankruptcy. Duties in the Event of Injury Claim or Suit. Legal Action Against Us. Other Insurance... Premium Audit... Representations Separation of Insureds Transfer of Rights of Recovery Agalnst Others To Us. When We Do Not Renew. SECTION V DEFINITIONS CGT0381103 028862 | 2 |
COMMERCIAL GENERAL LIABILITY LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the Company providing this insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION LIQUOR LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of injury to which this insurance applies if liability for such injury is imposed on the insured by reason of the selling serv ing or furnishing of any alcoholic beverage. 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 injury to which this insurance does not apply. We may at our discretion in vestigate any injury and settle any claim or suit that may resuit. 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 ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to injury only if 1 The injury occurs during the policy pe riod in the coverage territory and 2 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 no tice of an injury or claim knew that the injury had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy pe riod that the injury occurred then any continuation change or resumption of such injury during or after the policy pe riod will be deemed to have been known prior to the policy period Injury which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An In sured or any employee authorized by you to give or receive notice of an injury or claim includes any continuation change or resump tion of that injury after the end of the policy period. Injury will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Sec tion 1l Who Is An Insured or any employee authorized by you to give or receive notice of an injury or claim 1 Reports all or any part of the injury to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the in jury or 3 Becomes aware by any other means that injury has occurred or has begun to oc cur 2. Exclusions This insurance does not apply to a. Expected Or intended Injury Injury expected or intended from the stand point of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unem ployment compensation law or any similar law. RGO 3 BRI O 4 00 4 iSO Properties Inc. 2000 Page 1 of 6 CG00331001 025669 | 2 |
COMMERCIAL GENERAL LIABILITY c. 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 con duct of the insured s business or 2 The spouse child parent brother or sis ter of that employee as a consequence of Paragraph 1 above. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. d. Liquor License Not In Effect Injury arising out of any alcoholic beverage sold served or furnished while any required license is suspended or after such license expires is cancelled or revoked e. Your Product Injury arising out of your product. This ex clusion does not apply to injury for which the insured or the insured s indemnitees 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 relat ing to the sale gift distribution or use of alcoholic beverages. f. Other Insurance Any injury with respect to which other insur ance is afforded. or would be afforded but for the exhaustion of the limits of insurance This exclusion does not apply if the other in surance responds to liability for injury im posed on the insured by reason of the selling serving or furnishing of any alcoholic bever age. SUPPLEMENTARY PAYMENTS We will pay with respect to any claim we investigate or settle or any suit against an insured we defend 1. All expenses we incur. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. All costs taxed against the insured in the suit. 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. All interest on the full amount of any judgment that accrues after entry of the judgment and be fore we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. Expenses incurred by the insured for first aid administered to others at the time of an event to which this insurance applies. These payments will not reduce the limits of insur ance. SECTION Il WHO IS AN INSURED If you are designated in the Declarations as a. An individual you and your spouse are insur eds b. A partnership or joint venture you are an in sured. 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 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. d. 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. 2. Each of the following is also an insured a. Your employees other than either your ex ecutive officers if you are an organization other than a partnership joint venture or lim Page 2 of 6 ISO Properties Inc. 2000 CG 00331001 | 2 |
COMMERCIAL GENERAL LIABILITY ited 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 is an insured for 1 Injury a To you to your partners or members if you are a partnership or joint ven ture to your members if you are a limited liability company or to a co employee while that coemployee is either in the course of his or her employment or performing duties re lated to the conduct of your business b To the spouse child parent brother or sister of that coemployee as a consequence of Paragraph 1a above or For which there is any obligation to share damages with or repay some one else who must pay damages be cause of the injury described in Para graphs 1a or b above. Property damage to property a Owned or occupied by or b Rented or loaned to that employee any of your other employees by any of your partners or members if you are a partnership or joint venture or by any of your members if you are a limited liability company b. Any person or organization having proper temporary custody of your property if you die but only c 2 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. Your legal representative if you die but only with respect to duties as such. That represen tative will have all your rights and duties un der this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named In sured if there is no other similar insurance avail able 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 pe riod whichever is earlier and b. Coverage does not apply to injury that oc curred before you acquired or formed the or ganization. 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 SECTION HI LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay re gardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Aggregate Limit is the most we will pay for all injury as the result of the selling serving or fur nishing of alcoholic beverages. 3. Subject to the Aggregate Limit the Each Com mon Cause Limit is the most we will pay for all injury sustained by one or more persons or or ganizations as the result of the selling serving or furnishing of any alcoholic beverage to any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annuat 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 LIQUOR LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obliga tions under this Coverage Part. 2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we are notified as soon as practicable of an injury which may result in a claim. To the extent possible no tice should include Page 3 of 6 CG 00331001 025684 ISO Properties Inc. 2000 | 2 |
COMMERCIAL GENERAL LIABILITY 1 How when and where the injury took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury 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 practica ble. 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 person or organization which may be liable to the insured because of injury to which this insurance may also apply. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. 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 in sured or To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed seltle ment means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Cov erage Part our obligations are limited as follows Primary Insurance 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 b. below. Method Of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first If any of the other insurance does not permit contribution by equal shares we will contrib ute by limits. Under this method each in surer s share is based on the ratio of its appli cable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Cover age Part in accordance with our rules and rates. Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will com pute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premi ums is the date shown as the due date on the bill. If the sum of the advance and audit pre miums paid for the policy period is greater than the earned 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 compu tation 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 accu rate and complete Page 4 of 6 ISO Properties Inc. 2000 CG 00331001 | 2 |
COMMERCIAL GENERAL LIABILITY E F b. Those statements are based upon represen tations you made to us and c. We have issued this policy in reliance upon your representations. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Oth ers ToUs If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expi ration date. If notice is mailed proof of mailing will be suffi cient proof of notice. SECTION V DEFINITIONS 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 occurs in the course of travel or transportation between any places included in a. above or c. Al other parts of the world if the injury arises out of 1 Goods or products made or sold by you in the territory described in a. above or 2 The activities of a person whose home is in the territory described in a. above but is away for a short time on your business provided the insured s responsibility to pay damages is determined in a suit on the mer its in the territory described in a. above or in a settlement we agree to. Employee includes a leased worker. Em ployee does not include a temporary worker. Executive Officer means a person holding any of the officer positions created by your charter constitution by laws or any other similar govern ing document. Injury means all damages including damages because of bodily injury and property damage and including damages for care loss of services or loss of support. Leased worker means a person leased to you by a labor feasing firm under an agreement be tween you and the labor leasing firm to perform duties related to the conduct of your business Leased worker does not include a temporary worker. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occur rence that caused it. Suit means a civil proceeding in which damages because of injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such dam ages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which the insured submits with our consent. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. CG 00331001 025885 SO Properties Inc. 2000 Page 5 0f 6 | 2 |
COMMERCIAL GENERAL LIABILITY 10. 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 busi ness or assets you have acquired and 2 Containers other than vehicles materi als parts or equipment furnished in con nection with such goods or products. Includes 1 Warranties or representations made at any time with respect to the fitness qual ity durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions Does not include vending machines or other property rented to or located for the use of others but not sold Page 6 of 6 SO Properties Inc. 2000 CG 00331001 | 2 |
DECLARATIONS PREMIUM SCHEDULE LIQUOR LIABILITY COVERAGE PART POLICY NUMBER P630 9H388401 PHX18 ISSUE DATE 01 19 18 This Schedule applies to the Declarations for the period of 01 01 18 to 01 01 19 It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes alf locations you own rent or occupy. Loc CLASS PREMIUM OPN BLDG DESCRIPT BASE ADVANCE NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM MINIMUM PREMIUMS LoB 250 GENERAL LIABILITY COMPOSITE RESTAURANTS 71150 LIQUOR S 17881992 7.762 138799 et it ta e 17881992 nan nan nan nan 7.762 138799 COVERAGE PART TOTAL 138799 7 00 O A 3 rl If an X is entered in this box these Declarations are completed on the Premium Schedule Extension CG T0 12. sasess CG TO 1107 86P PAGE 1 END | 2 |
MULTIPLE SUBLINE ENDORSEMENTS 0 000000 O 0 nan nan nan nan 25887.0 | 2 |
MULTIPLE SUBLINE ENDORSEMENTS | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS WAR LIABILITY EXCLUSION LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following RAILROAD PROTECTIVE LIABILITY COVERAGE PART A. The following exclusion is added to the Liquor Liability Coverage Forms CG 00 33 and CG 00 34 This insurance does not apply to WAR Injury however caused arising directly or indirectly out of 1. War including undeclared or civil war or 2. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using mili tary personnel or other agents or 3. Insurrection rebellion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these.. The following exclusion is added to the Pollution Liability Coverage Form Designated Sites CG 00 39 This insurance does not apply to WAR Badily injury property damage or environ mental damage however caused arising di rectly or indirectly out of 1. War including undeclared or civil war or 2. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using mili tary personnel or other agents or 3. Insurrection rebellion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these. C. The following exclusion is added to the Pollution Liability Limited Coverage Form Designated Sites CG 00 40 and Railroad Protective Liabil ity Coverage Part CG 00 35 This insurance does not apply to WAR Bodily injury or property damage however caused arising directly or indirectly out of 1. War including undeclared or civil war or 2. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using mili tary personnel or other agents or 3. Insurrection rebellion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these. Page 1 of 1 ISO Properties Inc. 2003 CG 31610403 c25668 | 2 |
INTERLINE ENDORSEMENTS M A 4 OO O nan nan nan nan 25668.0 | 2 |
INTERLINE ENDORSEMENTS | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement applies to the insurance provided under the following COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART Any other Commercial Liability coverage included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended PROVISIONS The federal Terrorism Risk Insurance Act of 2002 as amended TRIA establishes a program under which the Federal Government may partially reimburse Insured Losses as defined in TRIA caused by Acts Of Terrorism as defined in TRIA. Act Of Terrorism is defined in Section 1021 of TRIA to mean any act that is certified by the Secretary of the Treasury in consultation with the Secretary of Homeland Security and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission and to have been committed by an indi vidual 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. The Federal Government s share of compensation for such Insured Losses is established by TRIA and is a per centage of the amount of such Insured Losses in excess of each Insurer s Insurer Deductible as defined in TRIA subject to the Program Trigger as defined in TRIA. Through 2020 that percentage is established by TRIA as follows 85 with respect to such Insured Losses occurring in calendar year 2015. 84 with respect to such Insured Losses occurring in calendar year 2016. 83 with respect to such Insured Losses occurring in calendar year 2017. 82 with respect to such Insured Losses occurring in calendar year 2018. 81 with respect to such Insured Losses occurring in calendar year 2019. 80 with respect to such Insured Losses occurring in calendar year 2020. ILT3680115 2015 The Travelers Indemnity Company. All rights reserved Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission 026870 Page 10f 2 | 2 |
in no event however will the Federal Government be required to pay any portion of the amount of such Insured Losses occurring in a calendar year that in the aggregate exceeds 100 billion nor will any Insurer be required 1o pay any portion of such amount provided that such Insurer has met its Insurer Deductible. Therefore if such In sured Losses occurring in a calendar year exceed 100 billion in the aggregate the amount of any payments by the Federal Government and any coverage provided by this policy for losses caused by Acts Of Terrorism may be reduced For each coverage provided by this policy that applies to such Insured Losses the charge for such Insured Loss es is included in the premium for such coverage. The charge for such Insured Losses that has been included for each such coverage is indicated below and does not include any charge for the portion of such Insured Losses covered by the Federal Government under TRIA. 1 of each applicable Commercial Liability Coverage premium. Page 2 of 2 ILT3680115 2015 The Travelers Indemnity Company. All rights reserved. includes copyrighted material of insurance Services Office. Inc with its permission | 2 |
POLICY NUMBER P630 9H388401 PHX18 ISSUE DATE 01 18 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED ENTITY NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following ALL COVERAGE PARTS INCLUDED IN THIS POLICY SCHEDULE CANCELLATION Number of Days Notice of Cancellation 30 CANCELLATION PERSON OR ORGANIZATION SODEXO INC ADDRESS 9801 WASHINGTON BLVD GAITHERSBURG MD 20878 PROVISIONS If we cancel this policy for any statutorily permitted reason other than nonpayment of premium and a number of days is shown for cancellation in the schedule above we will mail notice of cancellation to the person or organization shown in the schedule above. We will mail such notice to the address shown in the schedule above at least the number of days shown for cancellation in the schedule above before the effective date of cancellation. ILT40503 11 2011 The Travelers Indemnity Company. Al rights reserved Page 1 of 1 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COMMON POLICY CONDITIONS PROHIBITED COVERAGE UNLICENSED INSURANCE AND TRADE OR ECONOMIC SANCTIONS This endorsement modifies insurance provided under the following ALL COVERAGES INCLUDED IN THIS POLICY The following is added to the Common Policy Condi b. T tions de Prohibited Coverage Unlicensed Insurance tid 1. With respect to loss sustained by any insured or.m loss to any property located in a country or juris Prohibite diction in which we are not licensed to provide tions this insurance this insurance does not apply to We will p the extent that insuring such loss would violate will provid the laws or regulations of such country or jurisdic ing such tion. any of our 2. We do not assume responsibility for 1. Anytr a. The payment of any fine fee penalty or other reguiz charge that may be imposed on any person 2. Any 0 or organization in any country or jurisdiction proyhlt because we are not licensed to provide insur ance in such country or jurisdiction or b. The furnishing of certificates or other evi dence of insurance in any country or jurisdic tion in which we are not licensed to provide insurance. Prohibited Coverage Trade Or Economic Sanc tions We will provide coverage for any loss or otherwise will provide any benefit only to the extent that provid ing such coverage or benefit does not expose us or any of our affiliated or parent companies to 1. Any trade or economic sanction under any law or regulation of the United States of America or 2. Any other applicable trade or economic sanction prohibition or restriction ILT4120315 Page 1 of 1 2014 The Travelers indemnity Company All rights reserved | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CYBERFIRST ESSENTIALS LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE DELUXE PROPERTY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE PART ENVIRONMENTAL HAZARD POLICY EQUIPMENT BREAKDOWN COVERAGE PART EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART Any other Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended i The following is added to this policy. This provision can limit coverage for any loss arising out of a certi fied act of terrorism if such loss is otherwise covered by this policy. This provision does not apply if and to the extent that coverage for the loss is excluded or limited by an exclusion or other coverage limitation for losses arising out of certified acts of terrorism in an other endorsement to this policy. If aggregate insured losses attributable to certified acts of terrorism exceed 100 billion in a calendar year and we have met our insurer deductible under TRIA we will not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in accordance with the provisions of TRIA to be an act of terrorism pursuant to TRIA. The criteria contained in TRIA for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to TRIA and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion TRIA means the federal Terrorism Risk Insurance Act of 2002 as amended Page 1 of 1 IL T4 140115 025672 2015 The Travelers Indemnity Company. Al rights reserved Includes copyrighted material of Insurance Services Office Inc.. with its permission | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OKLAHOMA CHANGES CONCEALMENT MISREPRESENTATION OR FRAUD This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART A. The Concealment Misrepresentation Or Fraud 2. T condition is replaced by the following 3 Y Except as provided in Paragraphs B. and C. we 4. A do not provide coverage in any case of fraud by you as it relates to this Coverage Part at any time. Howe We also do not provide coverage if you or any up to other insured insured at any time intentionally limits conceal or misrepresent a material fact concern Tesult ing insur 1. This Coverage Part c. Ud age 2. The Covered Property ogr Fr 3. Your interest in the Covered Property or We d 4. A claim under this Coverage Part. by yo B. The Concealment Misrepresentation Or Fraud V 3 other condition in the Commercial Auto Coverage Part o is replaced by the following misre We do not provide coverage in any case of fraud 1 T by you at any time as it relates to this Coverage 2. Part. We also do not provide coverage if you or 3 T any other insured at any time intentionally con ceal or misrepresent a material fact concerning 4 1. This Coverage Part 2. The covered auto 3. Your interest in the covered auto or 4. A claim under this Coverage Part. However this provision does not apply but only up to the compulsory or financial responsibility limits required by Oklahoma law if an accident results in a third party liability claim against the insured under this Coverage Part. Under the Kidnap Ransom And Extortion Cover age Form the Concealment Misrepresentation Or Fraud condition is replaced by the following We do not provide coverage in any case of fraud by you as it relates to this insurance at any time. We also do not provide coverage if you or any other insured at any time intentionally conceal or misrepresent a material fact concerning 1. This insurance 2. A person insured under this insurance 3. The property covered under this insurance 4 Your interest in the property covered under this insurance or. A claim under this insurance. Page 1 of 1 ILF0 95 10 10 025673 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following 1. COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization C. Under any Liability Coverage to bodily in jury or property damage resulting from 2 hazardous properties if 1 The nuclear mate clear facility owne on behalf of an ir discharged or disp 2 The nuclear ma spent fuel or w sessed handled stored transportec on behalf of an ing The bodily injury arises out of the sured of service equipment in con ning construction tion or use of any such facility is loc States of America sessions or Cana applies only to pr nuclear facility an As used in this endorseme 3 Hazardous properties inc or explosive properties. Nuclear material means cial nuclear material or by Source material special by product material hav them in the Atomic Energy law amendatory thereof. Spent fuel means any fus ponent solid or liquid wh exposed to radiation in a r to bodily in nsured under d under a nu issued by Nu ance Associa y Liability Un e Association UCCesSors or any such pol on exhaustion us properties vith respect to rganization is cial protection nergy Act of ory thereof or this policy not tled to indem of America or ny agreement ed States of reof with any coverage to to bodily in us properties ng out of the by any person to bodily in esulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. 3 Nuclear material means source material spe cial nuclear material or by product material Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. ISO Properties Inc. 2007 Page 1 of 2 IL 00 21 09 08 | 2 |
the total amount of such material in the custody of the insured at the premises where such equipment or device is fo cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation prem ises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time MG 4 O IL 00 21 09 08 ISO Properties Inc. 2007 Page 2 of 2 025674 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under Colorado law.. Under the Commercial Automobile Coverage Part the term family member is replaced by the following and supersedes any other provisions to the contrary Family member means a person related to 1. The individual Named Insured by blood adoption marriage or civil union recognized under Colorado law who is a resident of such Named Insured s household including a ward or foster child 2. The individual named in the Schedule by blood adoption marriage or civil union rec ognized under Colorado law who is a resi dent of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individuals endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the fol lowing Family member means a person related to you by blood adoption marriage or civil union recog nized under Colorado law who is a resident of your household including a ward or foster child. 00 0 IL01251113 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES DUTIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART 2. The following is added to the Duties Condition We will notify the first Named Insured in writing of 1. An initial offer to settle a claim made or suit brought against any insured insured under this coverage. The notice will be given not later than the 10th day after the date on which the offer is made. Any settlement of a claim made or suit brought against the insured insured under this coverage. The notice will be given not later than the 30th day after the date of the settlement. 000000000 O O 0 Page 1 of 1 Insurance Services Office Inc. 2011 IL 01680312 025875 | 2 |
OKLAHOMA NOTICE The following statement is added to the policy WARNING Any person who knowingly and with intent to injure defraud or deceive any insurer makes any claim for the proceeds of an insurance policy containing any false incomplete or misleading information is guilty of a felony. IL 01791002 ISO Properties Inc. 2002 Page 1 of 1 | 2 |
This endorsement modifies insurance provided under the following THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES CANCELLATION AND NONRENEWAL PROVISIONS FOR CASUALTY LINES AND COMMERCIAL PACKAGE POLICIES COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This endorsement also modifies insurance provided under the following when written as part of a Commercial Package Policy BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART GLASS COVERAGE FORM LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the CANCELLATION Common Policy Conditions Deluxe is replaced by the following 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation stating the reason for cancellation at least 10 days before the ef fective date of cancellation. The permissible reasons for cancellation are as follows a. If this policy has been in effect for 60 days or less we may cancel for any reason except that under the provisions of the Texas Insurance Code we may not cancel this policy solely because the policyholder is an elected official. b. If this policy has been in effect for more than 60 days or if it is a renewal or continuation of a policy issued by us we may cancel only for one or more of the following reasons 1 Fraud in obtaining coverage 2 Failure to pay premiums when due 3 An increase in hazard within the control of the insured which would produce an increase in rate 4 Loss of our reinsurance covering all or part of the risk covered by the policy or 5 If we have been placed in supervi sion conservatorship or receiver ship and the cancellation is ap proved or directed by the supervi sor conservator or receiver. B. The following condition is added and super sedes any provision to the contrary NONRENEWAL 1 We may elect not to renew this policy ex cept that under the provisions of the Texas Insurance Code we may not refuse to re new this policy solely because the policy holder is an elected official If we elect not to renew this policy we may do so by mailing or delivering to the first Named Insured at the last mailing address known to us written notice of nonrenewal Copyright Insurance Services Office Inc. 1995 Copyright ISO Commercial Risk Services Inc. 1995 Page 1 of 2 IL FO 19 03 98 025676 | 2 |
stating the reason for nonrenewal at least 60 days before the expiration date. If notice is mailed or delivered less than 60 days before the expiration date this policy will remain in effect until the 61st day after the date on which the notice is mailed or deliv ered. Earned premium for any period of coverage that extends beyond the expira tion date will be computed pro rata based on the previous years premium If notice is mailed proof of mailing will be sufficient proof of notice. The transfer of a policyholder between admitted companies within the same insur ance group is not considered a refusal to renew. Page 2 of 2 Copyright Insurance Services Office Inc. 1995 Copyright ISO Commercial Risk Services Inc. 1935 ILF0 190398 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TEXAS CHANGES NOTICE OF CLAIM OR SETTLEMENT This endorsement modifies insurance provided under the following BOILER AND MACHINERY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PHARMACISTS PROFESSIONAL LIABILITY COVERAGE FORM VETERINARIANS PROFESSIONAL LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY EMPLOYEE BENEFITS LIABILITY PROVISIONS If a claim is made against you under a casualty policy we must notify you of the initial offer to compromise or settle the claim. We must do so within 10 business days after the date on which the offer is made. If a claim under a casualty policy is settled we must notify you within 30 days of the settlement. O A A 3 A 0 O Page 1 of 1 IL T9 56 04 93 025877 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CONCEALMENT MISREPRESENTATION OR FRAUD This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART The CONCEALMENT MISREPRESENTATION OR 1. Concealment or misrepresentation of a material FRAUD Condition is replaced by the following fact or CONCEALMENT MISREPRESENTATION OR 2. Fraud FRAUD committed by you or any other insured insured at We will not pay for any loss or damage in any case of any time and relating to coverage under this policy. 1L T9 69 09 07 Page 1 of 1 includes the copyrighted material of Insurance Services Office Inc. with its pemsission | 2 |
OKLAHOMA NOTICE The following statement is added to the policy WARNING Any person who knowingly and with intent to injure defraud or deceive any insurer makes any claim for the proceeds of an insurance policy containing any false incomplete or misleading information is guilty of a felony. 4 U000 RO Copyright insurance Services Office Inc. 1993 Copyright ISO Commercial Risk Services Inc. 1993 Page 1 of 1 ILT979 1094 025678 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OKLAHOMA CHANGES APPRAISAL DELUXE PROPERTY COVERAGE PART A. Except as provided in B. below the APPRAISAL Condition is replaced by the following APPRAISAL If we and you disagree on the value of the property or the amount of loss loss either party may make written demand for an appraisal of the loss. In this event only the party which demanded the appraisal will be bound by the results of that appraisal. Each party will select a competent and impartial appraiser and notify the other of the appraiser selected within 20 days after the written demand for an appraisal has been made. The two ap praisers will select an umpire. If they can not agree upon an umpire within 15 days then at the request of either you or us and after notice of hearing to the nonrequesting party by certified mail selection of the umpire will be made by a judge of a district court in the county where the loss loss occurred. The appraisers will state separately the value of the property and amount of loss loss. If the appraisers submit a written report of agreement to us the amounts agreed upon will be the value of the property and the amount of loss loss and will be binding on the party which demanded the appraisal. If the ap praisers fail to agree they will submit their dffferences to the umpire. A decision agreed to by any two will be binding on the party which demanded the appraisal. Each party will a. Pay its chosen appraiser and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal we will still retain our right to deny the claim. B. The APPRAISAL Condition in the 1. Business Income Coverage Form And Extra This endorsement modifies insurance provided under the following COMMERCIAL INLAND MARINE COVERAGE PART Expense DX T1 01 and 2. Business Income Coverage Form Witt Extra Expense DX T102 is replaced by the following APPRAISAL If we and you disagree on the amount of Income and operating expense or the amour loss either party may make written demand an appraisal of the loss. In this event only party which demanded the appraisal will bound by the results of that appraisal. Each party will select a competent and impa appraiser and notify the other of the appra selected within 20 days after the written dem for an appraisal has been made. The two praisers will select an umpire. If they car agree upon an umpire within 15 days then the request of either you or us and after no of hearing to the nonrequesting party by certi mail selection of the umpire will be made t judge of a district court in the county where loss loss occurred. The appraisers will s separately the amount of Net Income and ope ing expense or amount of loss. If the apprai submit a written report of agreement to us amounts agreed upon will be the value of property and the amount of loss loss and be binding on the party which demanded appraisal. If the appraisers fail to agree they submit their differences to the umpire. A deci agreed to by any two will be binding on the p. which demanded the appraisal. Each party w 1 Pay its chosen appraiser and 2 Bear the other expenses of the appraisal umpire equally. If there is an appraisal we will still retain our r to deny the claim. Expense DX T1 01 and 2. Business Income Coverage Form Without Extra Expense DX T102 is replaced by the following APPRAISAL If we and you disagree on the amount of Net Income and operating expense or the amount of loss either party may make written demand for an appraisal of the loss. In this event only the party which demanded the appraisal will be bound by the results of that appraisal. Each party will select a competent and impartial appraiser and notify the other of the appraiser selected within 20 days after the written demand for an appraisal has been made. The two ap praisers will select an umpire. If they can not agree upon an umpire within 15 days then at the request of either you or us and after notice of hearing to the nonrequesting party by certified mail selection of the umpire will be made by a judge of a district court in the county where the loss loss occurred. The appraisers will state separately the amount of Net Income and operat ing expense or amount of loss. If the appraisers submit a written report of agreement to us the amounts agreed upon will be the value of the property and the amount of loss loss and will be binding on the party which demanded the appraisal. If the appraisers fail to agree they will submit their differences to the umpire. A decision agreed to by any two will be binding on the party which demanded the appraisal. Each party will 1 Pay its chosen appraiser and 2 Bear the other expenses of the appraisal and umpire equally. If there is an appraisal we will still retain our right to deny the claim. ILT9 96 10 94 Copyright Insurance Services Office Inc. 1993 Copyright ISO Commercial Risk Services Inc. 1993 Page 1 of 1 | 2 |
POLICYHOLDER NOTICES Il 3 6 4 iy 6 7 o L nan nan nan nan 25879.0 | 2 |
POLICYHOLDER NOTICES | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183 JAJAR TR M O A PN T4 54 01 08 025680 Page 1 of 1 | 2 |
IMPORTANT NOTICE PERIOD TO FILE A CLAIM OR BRING LEGAL ACTION AGAINST US WINDSTORM OR HAIL CATASTROPHE AREA TEXAS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. In accordance with Texas Insurance Code Section 2301.010f we are notifying you that 1. With respect to loss or damage in the State of Texas caused by windstorm or hail in the catastrophe area as defined by Texas Insurance Code any claim must be filed with us not later than one year after the date of the loss or damage that is the subject of the claim except that a claim may be filed after the first anniversary of the date of the loss or damage for good cause shown by the person filing the claim and 2. Any legal action brought against us under the policy for loss or damage in the State of Texas caused by windstorm or halil in the catastrophe area as defined by the Texas Insurance Code must be brought within the earlier of the following a. Two years and one day from the date we accept or reject the claim or b. Three years and one day from the date of the loss or damage that is the subject of the claim. PNT9700313 Page 1 of 1 2013 The Travelers Indemnity Company. Al rights reserved | 2 |
A TRAVELERS POLICYHOLDER NOTICE LEAD Dear Policyholder Lead has become a difficult problem for society as a whole and the insurance industry in particular. As a consequence we are attaching a lead exclusion to our liability policies based upon age and occupancy of buildings. Your policy contains this exclusion. If you have questions about your insurance program please contact your agent or local Company repre sentative AW AR AT 1 3 AU Page 1 of 1 PNT1940894 025881 | 2 |
LOSS CONTROL SERVICES Notice to policy recipient If you are not the person directly responsible for the loss control activities for your company please direct this Loss Control notice to the person that is directly responsible for them. SAFETY IS OUR CONCERN Thank you for purchasing your insurance from one of the writing companies owned or managed by The Travelers Companies Inc. We appreciate your busi ness and welcome the opportunity to be of service An important part of that service concerns safety and accident prevention. Travelers Risk Control depart ment has the experience resources and capabilities to provide a range of safety services including site surveys phone consultations and a wealth of safety related materials. We have experience in a variety of industries some of which include manufacturing wholesale and retail businesses service organizations technology related business oil and gas based business and the public sector. Following are some examples of available loss control services Accident Prevention Our staff can help you identify present and potential hazards in your operations premises and equipment and recommend measures for reducing or eliminating these hazards. Analysis of Accident Causes Although you inves tigate and keep records of accidents we are available to assist if needed. Safety Consultations Our Consultants can help you with special problems such as ergonomics and human factors Industrial Hygiene Health Services We have the facilities and resources to answer your questions con cerning job related industrial hygiene health issues and to measure exposure to industrial hygiene haz ards. Safety Literature and Digital Media We can pro vide you with top notch safety related literature CDs DVDs and videos to assist in your loss control efforts. Also we can direct you to several vendors who are able to provide additional safety materials including brochures pamphlets and digital media. Safety Training We offer face to face classroom courses as well as distance learning programs that explore the risks our policyholders face and ways for them to control losses. Return To Work Coordination We can assist you with several aspects of the post injury management process. Internet Website Visit our Risk Control website for access to our safety newsletters and other safety lit erature at httpwww.travelers.comriskcontrol This website also has links to other safety related Internet sites. These services are available upon request. Please call us at 214 570 6682 for loss control assistance. Please do not call this number for questions regarding your policy or claims. For all other inquiries please contact your underwriter or agent. SAFETY IS YOUR CONCERN U.S. employers spend billions of dollars each year on the direct and indirect costs of work related accidents. Dollar figures ca nt begin to reflect the pain and suf fering of an injured worker and his or her family. But they do give some indication of the multiple conse quences of a job related accident... loss of time inter rupted production damaged materials and equip ment the expense of retraining or replacing an injured worker possible legal action from government regula tory agencies and increased insurance costs. It makes good sense for both employers and their employees to actively participate in a sound accident prevention program. The success of such a program depends to a large extent on your commitment to safety procedures and accident prevention tech niques. Safety is a management concern. Maybe we can help. You may want to consider the following Safety Checkpoints as you evaluate your organization s safety activities SELF INSPECTION PROGRAM Do you conduct periodic surveys of premises. equipment... operations PN T2 27 05 07 Do you analyze each job to find inherent hazards If you discover hazards do you follow up with im mediate corrective action Do you monitor such action to make sure it is im plemented and effective ACCIDENT INVESTIGATION Do you investigate each accident... determine the cause Do you take immediate steps to prevent a recur rence Do you keep records of accident investigations and follow up measures Do you complete accident statistics and analyze trends EDUCATION AND TRAINING Do you take the time to train each of your employ ees to perform tasks safely Do more experienced employees receive training to correct bad habits that have developed over time Do all employees understand that safety is an im portant part of their jobs Page 1 of 1 | 2 |
IMPORTANT NOTICE INFORMATION OR COMPLAINTS TEXAS AVISO IMPORTANTE INFORMACION O QUEJAS TEXAS Para obtener informacion o para presentar una queja To obtain information or make a complaint Usted puede llamar al nimero de telfono gratuito de Travelers para informacion o para presentar una queja al 1 800 328 2189 Usted puede comunicarse con el Departamento de Seguros de Texas para obtener informacion sobre de compaiiias coberturas derechos o quejas al 1 800 252 3439 Usted puede escribir al Departamento de Seguros de Texas a P.O.Box 149104 Austin TX 78714 9104 FAX 512 490 1007 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.texas.gov DISPUTAS DE PRIMAS DE SEGUROS O RECLAMACIONES Si tiene una disputa relacionada a su prima de seguro o con una reclamacion usted debe comunicarse con el Agente o Travelers primero. Si la disputa no es resuelta usted puede comunicarse con el Departmente de Seguros de Texas. ADJUNTE ESTE AVISO A SU POLIZA Este aviso es solamente para propositos informativos y no se convierte en parte o en condicin del documento adjunto. You may call Travelers toil free telephone number for information or to make a complaint at 1 800 328 2189 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at 1 800 252 3439 You may write the Texas Department of Insurance P.O. Box 149104 Austin TX 78714 9104 FAX 512 490 1007 Web www.tdi.texas.gov E mail ConsumerProtectiontdi texas.gov PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact your Agent or Travelers first. If the dispute is not resolved you may contact the Texas Department of Insurance. ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. Page 1 of 1 PNT0221215 025882 | 2 |
To Our Valued Customer Each year homeowners and business owners across the nation sustain significant weather related property damage due to floods. These can include losses caused by waves tidal waters the overflow of a body of water the rapid accumulation or runoff of surface water and mudslide. In nearly all cases these flood losses can not be prevented or even anticipated. And in many instances the losses are devastating. Most standard property insurance policies including most of our policies do not provide coverage for flood losses. While flood coverage is often available primarily through the National Flood Insurance Program it is rarely purchased. Unfortunately each year we find that some policyholders are surprised and disappointed to learn that damages they have suffered as a direct result of flood are not covered under the policies they have purchased. Please review your insurance coverage with your agent or Company representative. As you consider the need for flood insurance keep in mind that floods can and do occur in locations all over the country. They are not limited to coastal areas or locations with nearby rivers or streams. Several inches of rain falling over a short period of time can cause flood damage even in normally dry areas that are not prone to flooding. For further information about Flood Insurance contact your agent or company representative or contact the National Flood Insurance Program directly. Page 1 of 1 PNT0531213 028683 | 2 |
PN TRAVELERS NOTICE TO POLICYHOLDERS JURISDICTIONAL INSPECTIONS Dear Policyholder Many states and some cities issue certificates permitting the continued operation of certain equipment such as boilers water heaters pressure vessels etc. Periodic inspections are normally required to renew these certifi cates. In most jurisdictions insurance company employees who have been licensed are authorized to perform these inspections. If You own or operate equipment that requires a certificate from a state or city to operate legally and We Insure that equipment under this Policy and You would like us to perform the next required inspection Then Call this toll free number 1 800 425 4119 When you call this number our representative will ask you for the following information Name of your business as shown on this Policy Policy Number Location where the equipment is located. Including Zip Code. Person to contact and phone number for scheduling of inspection Type of equipment requiring inspection Certificate inspection date and certificate number Fill in the form on the reverse side of this notice and fax it to the toll free number indicated on that form Please note the following Your jurisdiction may charge you a fee for renewing a certificate. It is your responsibility to pay such a fee. All the provisions of the INSPECTIONS AND SURVEYS Condition apply to the inspections described in this notice. REMINDER If new equipment is installed or old equipment replaced that requires a jurisdictional inspection please let us know by calling our toll free number listed above. PN T1 8906 99 025884 Page 1 of 2 | 2 |
REQUEST FOR JURISDICTIONAL INSPECTION Name of Business As Shown on Palicy Policy Number Location of Equipment city T state T Zip Code Person to Contact for Scheduling Inspection Telephone Number of Person to Contact Certificate Number Certificate Expiration Date Equipment Type Fax Form to 1 877 764 9535 Completed by. B Phone Number Page 2 of 2 PN T1 89 06 99 | 2 |
GERLING HDI GERLING AMERICA INSURANCE COMPANY AN ILLINOIS CORPORATION 161 NORTH CLARK STREET 48 Floor CHICAGO IL 60601 312 580 1900 COMMERCIAL LINES POLICY FOR Jagenberg US Holding Inc. GLD10691 06 01012014 to 01012015 Underwriting Team Brian Kenney Underwriter Michele Roach Underwriting Assistant Jim Clark Chief Underwriting Officer Loss Notification To report a claim 24 hours a day 7 days a week please contact us as soon as practicable for further assistance Telephone 1 866 484 2053 Fax 1 866 477 8502 Email newclaimshdigaic.com POLICY JACKET DECLARATIONS PAGE FORMS AND ENDORSEMENTS COMPLETE THIS POLICY IL SU 4003 12 12 Page 1 of 2 | 2 |
In Witness Whereof we have caused this policy to be executed and attested and if required by state law this policy shall not be valid unless countersigned by our authorized representative. o s President CEO Dr. Lothar Becker DIe o Corporate Secretary David Neumeister IL SU 4003 12 12 Page 2 of 2 | 2 |
CG SU 1000 08 11 HDI GERLING AMERICA INSURANCE COMPANY COMMERCIAL GENERAL LIABILITY COVERAGE FORM DECLARATIONS POLICY NUMBER GLD10691 06 PRIOR POLICY NUMBER GLD10691 05 This policy is CLAIMS MADE if this box is checked NAMED INSURED AND MAILING ADDRESS PRODUCER AND MAILING ADDRESS Jagenberg US Holding Inc. Lockton Companies Inc. 101 Zima Park Drive 444 West 47 Street Suite 900 Spartanburg SC 29031 Kansas City MO 64112 THE NAMED INSURED IS Individual Partnership Joint Venture Limited Liability Company X Organization including a corporation But not including a Partnership Joint Venture or Limited Liability Company Business Description Manufacturing and distribution of industrial machinery coated textiles bulletproof vests and canopies. COMPANY NAME AND ADDRESS HDI Gerling America Insurance Company 161 North Clark Street 48 Floor Chicago IL 60601 POLICY PERIOD FROM 01012014 TO 01012015 1201 A.M. Standard Time at your mailing address. RETROACTIVE DATE Applicable to Claims Made Coverage Only LIMITS OF INSURANCE GENERAL AGGREGATE LIMIT OTHER THAN PRODUCTS 2000000 COMPLETED OPERATIONS PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT EXCLUDED PERSONAL ADVERTISING INJURY LIMIT 1000000 EACH OCCURRENCE LIMIT 1000000 RENTED TO YOU LIMIT 50000 ANY ONE PREMISES MEDICAL EXPENSE LIMIT 5000 ANY ONE PERSON FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE PART See extension schedule CG SU 1003 PREMIUM ADVANCE PREMIUM 46452 MINIMUM PREMIUM 46452 TERRORISM COVERAGE REJECTED STATE TAXES OR SURCHARGES TOTAL ADVANCE PREMIUM 46452 IT OTHER THAN PRODUCTS COMPLETED OPERATIONS PERATIONS AGGREGATE LIMIT INJURY LIMIT MINIMUM PREMIUM 46452 COUNTERSIGNED 05052014 Date Whorized Represemave CG SU 1000 08 11 Page 1 of 1 | 2 |
CG SU 1001 12 07 HDI GERLING AMERICA INSURANCE COMPANY COMMERCIAL GENERAL LIABILITY SCHEDULE LoC. NO. LOCATION OF ALL PREMISES YOU OWN RENT OR OCCUPY Loc. 001 101 Zima Park Drive Spartanburg SC 29031 The following summary discloses all hazards insured knows to exist at the effective date of this policy unless otherwise stated below. ANNUAL Loc. PREMIUM ADVANCE NO. CLASSIFICATION CODE BASIS RATES PREMIUM a Payroll a Prem. a Prem. b Gross Sales Ops. Ops. c Area b Prod. b Prod. d Loc. 001 Comp Ops. Comp Ops. c Composite Rate Loc. 001 Kampf Machinery Kampf WT Machinery or Machinery Parts Mfg. 56652 Industrial Type Kusters Zima Corp. Hi Tech Environmental Machinery or Machinery Parts Mfg. 56652 Industrial Type Verseidag Seemee U.S.. Inc. Textile Mfg Impregnated or Coated 59724 Survival Armor Inc. Orthopedics Ambulation or Prosthetic Devices Mfg. 57625 b 3511000 b 19226000 b 8751000 b14316000 56652 b 3511000 a 0.857 a 3009 a 0.857 a 16477 b 8751000 nan nan nan nan 59724.0 a 0.643 a 5627 a 1.330 a 19040 nan nan nan nan 57625.0 b14316000 Page 1 of 2 CG SU 1001 12 07 | 2 |
CG SU 1001 12 07 HDI GERLING AMERICA INSURANCE COMPANY COMMERCIAL GENERAL LIABILITY SCHEDULE LoC. NO. LOCATION OF ALL PREMISES YOU OWN RENT OR OCCUPY Loc. 001 101 Zima Park Drive Spartanburg SC 29031 The following summary discloses all hazards insured knows to exist at the effective date of this policy unless otherwise stated below. ANNUAL Loc. PREMIUM ADVANCE NO. CLASSIFICATION CODE BASIS RATES PREMIUM a Payroll a Prem. a Prem. b Gross Sales Ops. Ops. c Area b Prod. b Prod. d Loc. 001 Comp Ops. Comp Ops. c Composite Rate Loc. 001 Kampf Kusters Distributors No Food or Drink NOC a0.214 a1216 12362 b 5684000 Verseidag Seemee U.S.. Inc. Tent or Canopy Mfg. a 0.857 nan nan nan nan 59713.0 b 972000 a 833 Total GL Premium 46202 Page 2 of 2 CG SU 1001 12 07 | 2 |
HDI GERLING AMERICA INSURANCE COMPANY CG SU 1003 12 07 COMMERCIAL GENERAL LIABILITY DECLARATIONS Policy Number GLD10691 06 EXTENSION SCHEDULE FOR JAGENBERG US HOLDING INC. HDI GERLING AMERICA INSURANCE COMPANY POLICY JACKET COMMERCIAL GENERAL LIABILITY COVERAGE FORM DECLARATIONS COMMERCIAL GENERAL LIABILITY SCHEDULE EXTENSION SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE FORM OCCURRENGE VERSION NAMED INSURED ENDORSEMENT CONFORMITY WITH STATUTE DEDUCTIBLE LIABILITY INSURANCE INCLUDING DEFENSE COSTS LIMITS OF INSURANCE REDUCED ABSOLUTE ASBESTOS EXCLUSION ABSOLUTE LEAD EXCLUSION AIRCRAFT PRODUCTS AND AIRCRAFT GROUNDING HAZARDS EXCLUSION EMPLOYEE BENEFITS LIABILITY COVERAGE ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION ADDITIONAL INSURED MANAGERS OR LESSORS OF PREMISES ADDITIONAL INSURED VENDORS EXCLUSION PRODUCTS COMPLETED OPERATIONS HAZARD EXCLUSION DESIGNATED PROFESSIONAL SERVICES ALL CONSULTATIVE SERVICES PROVIDED BY THE INSURED EXCLUSION NEW ENTITIES EXCLUSION INTERCOMPANY PRODUCTS SUITS EMPLOYMENT RELATED PRACTICES EXCLUSION TOTAL POLLUTION EXCLUSION FUNGI OR BACTERIA EXCLUSION EXCLUSION OF CERTIFIED ACTS OF TERRORISM AND EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES CCONDITIONAL EXCLUSION OF TERRORISM RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT SILICA OR SILICA RELATED DUST EXCLUSION EXCLUSION ENGINEERS ARCHITECTS OR SURVEYORS PROFESSIONAL LIABILITY WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US EXCESS PROVISION VENDORS AMENDMENT OF INSURED CONTRACT DEFINITION COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM SOUTH CAROLINA CHANGES CANCELLATION AND NONRENEWAL NOTICE OF CANCELLATION AMENDMENT 30 DAYS ECONOMIC OR TRADE SANCTIONS U.S. TREASURY DEPARTMENT S OFFICE OF FOREIGN ASSETS CONTROL OFAC ADVISORY NOTICE TO POLICYHOLDERS IL SU 4003 1212 CG SU 1000 08 11 CG SU 1001 12 07 CG SU 1003 12 07 CG 00010413 IL Al 4001 06 11 CG AM 1003 12 07 CG AM 1006 12 07 CG EX 1000 1207 CG EX 1001 1207 CG EX 1003 1207 CG 04351207 CG 201004 13 CG 20110413 CG 201504 13 CG 21041185 CG 21160413 CG 21360305 CG 21411185 CG 21471207 CG 214909 99 CG 21671204 CG 217506 08 CG 21870107 CG 2196 03 05 CG 22430413 CG 24 04 05 09 CG 241007 98 CG 24260413 1L00 17 1198 1L 00 2109 08 1L 02 49 09 08 IL SU 4004 10 10 IL AM 4001 10 11 ILP 0010104 Page 1 of 1 CG SU 1003 12 07 | 2 |
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