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nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Libeny Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Personal and Advertising Injury Redefined Definition of Publication This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraphs d. and e of the definition of personal and advenising injury are replaced by the following Personal and advenising injury means injury including consequential bodily injury arising out of one or more of the following offenses d. Oral or written publication directly to the public at large of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services. e 1 Oral or written publication directly to the public at large of material that violates a person s right of privacy 2 Oral or written publication of material that violates a person s right of privacy by misappropriation of that person s name or likeness. The following definition is added to the Definitions Section Publication means an insured s act of disseminating or broadcasting material or information. Publication does not include the wrongful appropriation interception or retrieval of material or information by a third party or the insured s dissemination or broadcasting of material or information to a person who is the subject of the material or the information. Page 1 of I LC 29 04 08 08 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Personal and Advertising Injury Occurrence Redefined This endorsemem modifies 1he insurance provided under ihe following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraph 4. of 1he Limiis of Insurance section is replaced by 1he following 4. Subject 10 2. above 1he Personal and Advertising Injury Limi1 is the mos1 we will pay under Coverage B for ihe sum of all damages because of all personal and advertising injury arising ou of any one occurrence. B. The definition of occurrence in 1he Definiiions section is replaced by 1he following Occurrence means a. With respect 10 bodily injury or property damage an acciden including cominuous or repeated exposure 10 subsiamially 1he same general harmful conditions or b. Wiih respeci 10 personal and advertising injury an offense or series of relared offenses. Page 1 of LC 29 06 08 08 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF OCCURRENCE OFFENSE OR INJURY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART For purposes of Condition 2.a. of Section IV you refers to an executive officer or employee designated by the first Named Insured to give us notice. 2013 Liberty Mutuallnsurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LC99010213 | 2 |
362201500005400050 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINTENTIONAL FAILURE TODISCLOSE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERALLIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART Unintentional failure of the first Named Insured to disclose all hazards existing at the inception of this policy shall not be a basis for denial of any coverage afforded by this policy. However you must report such hazards to us as soon as practicable after their discovery. This provision does not affect our right to collect additional premium or exercise our right of cancellation or non renewal. 2013 Liberty Mutual insurance. Al rights reserved. Includes copyrighted matenial of insurance Senvices Office Inc. with its permission. LC99030213 Page 10of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PREMUM RESPONSIBILITY ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART Paragraph E. Premiums of the Common Policy Conditions is replaced by the following 1. Each Named Insured is jointly and severally liable for all premiums due under this policy and for any other financial obligations of any Named Insured to us arising out of any agreements contained in this policy. 2. The first Named Insured will be the payee for any retum premiums we pay. 2013 Liberty MutualInsurance. All rights reserved. Includes copyrighted material of Insurance Senvices Office Inc. with its permission. Page 1 of 1 LC99360213 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADVERTISEMENT REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERALLIABILITY COVERAGE PART The defintion of advertisement in the Definitions Section is replaced by the following Advertisement means a paid announcement that is broadcast or published in the print broadcast or electronic media to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Announcements that are published include material placed on the Intemet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2011 Liberty Mutual Group of Companies. All nights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 1 LC29081011 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROFESSIONAL HEALTH CARE SERVICES BY EMPLOYEES OR VOLUNTEER WORKERS COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Amendment Who Is An Insured Paragraph 2.a.1d of Section Il Who Is An Insured is replaced by the following d Arising out of his or her providing or failing to provide professional health care services. However any employee or volunteer worker of the Named Insured who is a designated health care provider is an insured under this policy with respect to bodily injury and personal and advertising injury i Which arises out of the providing of or failure to provide professional health care services and ii Which occurs in the course of and within the scope of such employee s or volunteer worker s employment by the Named Insured. B. Limits of Insurance 1. This insurance is subject to a sublimit of 1000000 each occurrence. This sublimit is subject to the Each Occurrence Limit shown in the Declarations it is not in addition to the Each Occurrence Limit. If a sublimit is not designated above the applicable limit is the Each Occurrence Limit shown in the Declarations. 2. This insurance is subject to the General Aggregate Limit shown in the Declarations. C. With respect to employees and volunteer workers providing professional health care services the following exclusions are added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to 1 Liability assumed under an insured contract or any other contract or agreement 2 Liability arising out of the providing of professional health care services in violation of law 3 Liability arising out of the providing of any professional health care services while in any degree under the influence of intoxicants or narcotics 4 Liability arising out of any dishonest fraudulent malicious or knowingly wrongful act or failure to act or 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10f2 LC 040210 11 | 2 |
nan nan nan nan 3.6220150000540006e17 5 Punitive or exemplary damages fines or penalties. D. The following definition is added to the Definitions Section Designated health care provider means any employee or volunteer worker of the Named Insured whose duties include providing professional health care services including but not limited to doctors nurses emergency medical technicians or designated first aid personnel. E. Other Insurance 1. This provision applies only to the Commercial General Liability Coverage Part. 2. The insurance provided by this endorsement is excess over any other valid and collectible insurance available to the insured whether primary excess contingent or on any other basis. 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. LC 04021011 Page 2 of 2 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NON OWNED WATERCRAFT AMENDMENT WITH LIMITATION OF COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Number of Feet Long 55 Feet Long A. Paragraph 2 of Exclusion g. of Section Coverage A Bodily Injury and Property Damage Liability is replaced by the following 2 A watercraft you do not own that is a Less than the number of feet long shown in the Schedule of this endorsement and b Not being used by you to carry persons or property for a charge. B. The following is added to Exclusion g. of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to any liability damages loss injury demand claim or suit 1. For which insurance is afforded under a Hull Protection Indemnity including Contractual Liability or Marine Operators Charterer s Liability Coverage on operated chartered or brokered watercraft or any other policy issued as a renewal or replacement thereof or 2. For which insurance would have been afforded under Paragraph 1. above had such policy a. Not been canceled or non renewed or b. Not exhausted its limits of insurance. 2013 Liberty Mutual Insurance. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10f 1 LC24271013 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED CONSTRUCTION PROJECT OR DESIGNATED LOCATION COMBINED AGGREGATE LIMITS WITH TOTAL PROJECT AND LOCATION AGGREGATE LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Schedule Designated Construction Projects or Designated Locations As required by written contract. Total Project and Location Aggregate Limit 2000000 A. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a single designated construction project or a single designated location 1. A separate Designated General Aggregate Limit applies to each designated construction project and to each designated location and that limit is equal to the amount of the General Aggregate Limit shown in the Declarations. 2. The Designated General Aggregate Limit is the most we will pay for the sum of all damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and for medical expenses under Coverage C regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the Designated General Aggregate Limit for that designated construction project or designated location. Such payments shall not reduce the General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated General Aggregate Limit for any other designated construction project or designated location. 4. The limits shown in the Declarations for Each Occurrence Damage to Premises Rented to You and Medical Expense continue to apply. However instead of being subject to the General Aggregate Limit shown in the Declarations such limits will be subject to the applicable Designated General Aggregate Limit and the Total Project and Location Aggregate Limit. tal Project and Location Aggregate Limit 2000000 2013 Liberty Mutual insurance. All rights reserved. Includes copyrighted matenial of Insurance Services Office Inc. with its permission. Page 10f 2 LC25191013 | 2 |
nan nan nan nan 3.6220150000540006e17 5. The Total Project and Location Aggregate Limit shown in the Schedule of this endorsement is the most we will pay for the sum of all damages caused by occurrences under Section Coverage A and all medical expenses caused by accidents under Section Coverage C which can be attributed only to ongoing operations at a single construction project or a singte location regardless of the number of construction projects locations occurrences or accidents.. For all sums which the insured becomes legally obligated to pay as damages caused by occurrences under Section Coverage A and for all medical expenses caused by accidents under Section Coverage C which can not be attributed only to ongoing operations at a single designated construction project or single designated location 1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount available under the General Aggregate Limit or the Products Completed Operations Aggregate Limit whichever is applicable and 2. Such payments shall not reduce any Designated General Aggregate Limit.. When coverage for liability arising out of the products completed operations hazard is provided any payments for damages because of bodily injury or property damage included in the products completed operations hazard will reduce the Products Completed Operations Aggregate Limit and not reduce the General Aggregate Limit nor the Designated General Aggregate Limit.. If the applicable construction project has been abandoned delayed or abandoned and then restarted or if the authorized contracting parties deviate from plans blueprints designs specifications or timetables the project will still be deemed to be the same construction project.. For the purposes of this endorsement the Definitions Section is amended by the addition of the following definition Location means any premise that you occupy for permanent operations as part of your business but does not include any premises at which you are performing operations as part of a construction project. All premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad shall be considered a single location.. The provisions of Section Il Limits Of Insurance not otherwise modified by this endorsement shall continue to apply as stipulated. LC 25191013 2013 Liberty Mutual Insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 2 of 2 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION TO THIRD PARTIES This endorsement modifies insurance provided under the following BUSINESS AUTO COVERAGE PART MOTOR CARRIER COVERAGE PART GARAGE COVERAGE PART TRUCKERS COVERAGE PART EXCESS AUTOMOBILE LIABILITY INDEMNITY COVERAGE PART SELF INSURED TRUCKER EXCESS LIABILITY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM Schedule Name of Other Persons Organizations Per list on file with the Broker Per list on file with the Broker of Record. 30 of Record. Email Address or mailing address Number Days Notice A. If we cancel this policy for any reason other than nonpayment of premium we will notify the persons or organizations shown in the Schedule above. We will send notice to the email or mailing address listed above atleast 10 days or the number of days listed above if any before the cancellation becomes effective. In no event does the notice to the third party exceed the notice to the first named insured. B. This advance notification of a pending cancellation of coverage is intended as a courtesy only. Our failure to provide such advance notification will not extend the policy cancellation date nor negate cancellation of the policy. All other terms and conditions of this policy remain unchanged. 2011 Liberty Mutual Group of Companies. Alf rights reserved. Includes copyrighted matenal of Insurance Services Office Inc. with its permission. Page 1 of 1 LIimM 99 01 05 11 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ ITCAREFULLY. BODILY INJURY REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM PRODUCTS COMPLETED OPERATIONS COVERAGE PART The definition of bodily injury in the Definition section is replaced by the following Bodily injury means a. Bodily injury sickness or disease sustained by a person including death resulting from any of these at any time and b. Mental anguish shock or humiliation arising out of injury as defined in paragraph a. above. Mental anguish means any type of mental or emotional illness or distress. 2011 Liberty Mutual Group of Companies. All rights reserved. Includes copyrighted matenial of Insurance Services Office Inc. with its permission. LC 29091011 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION Il WHO IS AN INSURED is amended to include as an insured any person or organization for whom you have agreed in writing to provide liability insurance. But The insurance provided by this amendment 1 Applies only to bodily injury or property damage arising out of a your work or b premises or other property owned by or rented to you Applies only to coverage and minimum limits of insurance required by the written agreement but in no event exceeds either the scope of coverage or the limits of insurance provided by this policy and Does not apply to any person or organization for whom you have procured separate liabilty insurance while such insurance is in effect regardless of whether the scope of coverage or limits of insurance of this policy exceed those of such other insurance or whether such other insurance is valid and collectible. The following provisions also apply 1 Where the applicable written agreement requires the insured to provide liability insurance on a primary excess contingent. or any other basis this policy will apply solely on the basis required by such written agreement and ftem 4. Other Insurance of SECTION IV of this policy will not apply. Where the applicable written agreement does not specify on what basis the liability insurance will apply the provisions of ltem 4. Other Insurance of SECTION IV of this policy will govem. This endorsement shall not apply to any person or organization for any bodily injury or property damage if any other additional insured endorsement on this policy applies to that person or organization with regard to the bodily injury or property damage. If any other additional insured endorsement applies to any person or organization and you are obiigated under a written agreement to provide liability insurance on a primary excess contingent or any other basis for that additional insured this policy will apply solely on the basis required by such written agreement and ftem 4. Other Insurance of SECTION V of this policy will not apply regardless of whether the person or organization has available other valid and collectible insurance. If the applicable written agreement does not specify on what basis the liability insurance will apply. the provisions of item 4. Other Insurance of SECTION IV of this policy will govem. LN 20 01 06 05 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by LIBERTY MUTUAL FIRE INSURANCE COMPANY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OTHER INSURANCE AMENDMENT SCHEDULED ADDITIONAL INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART Schedule Person or Organization As required by written contract. If you are obligated under a written agreement to provide liability insurance on a primary excess contingent or any other basis for any person or organization shown in the Schedule of this endorsement that qualifies as an additional insured on this policy this policy will apply solely on the basis required by such written agreement and Paragraph 4. Other Insurance of Section IV Conditions will not apply. If the applicable written agreement does not specify on what basis the liability insurance will apply the provisions of Paragraph 4. Other Insurance of Section IV Conditions will govern. However this insurance is excess over any other insurance available to the additional insured for which it is also covered as an additional insured by attachment of an endorsement to another policy providing coverage for the same occurrence claim or suit. LC24200213 2013 Liberty Mutual insurance. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 10f 1 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. If aggregate insured losses attributable to terrorist acts certified under the federal Teronism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Certified act of terronsm means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act The criteria contained in the Terrorism Risk Insurance Act for a certified act of terronsm include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terronism Risk Insurance Act and 2 The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The terms and limitations of any terrorism exclusion or the inapplicabilty or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Insurance Services Office Inc. 2015 Page 1 of 1 CG21700115 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG21760115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following A COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising directly or indirectly out of a certified act of terrorism that are awarded as punitive damages. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury. in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2 The act is a viol dangerous to t infrastructure and i or individuals as p civilian population influence the policy United States Gove C. The terms and lim exclusion or the inaf terrorism exclusion coverage for injury o excluded under this Cc 2 The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Govemment by coercion. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Insurance Services Office Inc. 2015 Page 1 of 1 CG 21760115 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 26860115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising directly or indirectly out of a certified act of terrorism that are awarded as punitive damages. B. The following definitions are added 1. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terronism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of temorism include the following a. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and b. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Govemment by coercion. 2. Punitive damages means damages that may be imposed to punish a wrongdoer and to deter others from similar conduct. C. The terms and limitations of any terrorism exclusion or the inapplicabilty or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. b. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Govemment by coercion. 2. Punitive damages means damages that may be imposed to punish a wrongdoer and to deter others from similar conduct. C. The terms and limitations of any terrorism exclusion or the inapplicabilty or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. Insurance Services Office Inc. 2015 Page 1 of 1 CG 26 86 0115 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG26930115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ALASKA EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage thatis otherwise excluded under this Coverage Part. A. The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising out of a certified act of terrorism that are awarded as punitive damages. B. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terronsm pursuant to such Act The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and Insurance Services Office Inc. 2015 Page 1 of 1 CG 26930115 | 2 |
nan nan nan nan 3.6220150000540006e17 POLICY NUMBER TB2 641 444277 025 COMMERCIAL GENERAL LIABILITY CG21160413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED PROFESSIONAL SERVICES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to any professional services shown in the Schedule the following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury due to the rendering of or failure to render any professional service. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional service. SCHEDULE POLICY NUMBER TB2 641 444277 025 Description Of Professional Services All professional services. Professional services means services provided in the course of any vocation calling occupation or employment if those services involve specialized knowledge labor or skil if the labor or skill involved is predominantly mental or intellectual rather than physical or manual. Professional services includes but is not limited to preparing approving or failing to prepare or approve plans maps drawings opinions reports surveys field orders change orders designs or specifications architectural surveying engineering or construction management services including related supervisory or inspection services and medical surgical dental x ray or nursing services treatment advice or instruction. Information required to complete this Schedule if not shown above will be shown in the Declarations. Insurance Services Office Inc. 2012 Page 1 of 1 CG 21160413 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices. policies. acts or omissions. such as coercion. demo tion. evaluation. reassignment. discipline. defamation. harassment humiliation. dis crimination or malicious prosecution di rected at that person or 2 The spouse. child. parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person anising out of any a Refusalto employ that person b Termination of that person s employment or c Employment related practices. policies. acts or omissions. such as coercion. demo tion. evaluation. reassignment. discipline. defamation. harassment. humiliation. dis crimination or malicious prosecution di rected at that person or 2 The spouse. child. parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Wnhether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. ISO Properties. Inc.. 2006 Page 1 of 1 CG 21471207 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 21651204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION AND A HOSTILE FIRE EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion f. under Paragraph 2. Exclusions of Sec tion Coverage A Bodily Injury And Property Damage Liabllity is replaced by the following This insurance does not apply to f. Pollution 1 Bodily injury or property damage which would not have occurred in whole or part but for the actual alleged or threatened discharge dispersal seepage migration reiease or es cape of pollutants at any time. This exclusion does not apply to a Bodily injury if sustained within a building which is or was at any time owned or occu pied by or rented or loaned to any insured and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s oc cupants or their guests or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire unless that hostile fire occurred or originated i Atany premises site or location which is or was at any time used by or for any in sured or others for the handling storage disposal processing or treatment of waste or b i At any premises site or location on which any insured or any contractors or subcontractors working directly or indi rectly on any insured s behalf are per forming operations to test for monitor clean up remove contain treat detox ify neutralize or in any way respond to or assess the effects of pollutants. 2 Any loss cost or expense arising out of any a Request demand order or statutory or b regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of poliutants or Claim or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up remov ing containing treating detoxifying or neu tralizing or in any way responding to or as sessing the effects of pollutants. i At any premises site or location on which any insured or any contractors or subcontractors working directly or indi rectly on any insured s behalf are per forming operations to test for monitor clean up remove contain treat detox ify neutralize or in any way respond to or assess the effects of pollutants. 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of poliutants or b Claim or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up remov ing containing treating detoxifying or neu tralizing or in any way responding to or as sessing the effects of pollutants. ISO Properties Inc. 2003 CG 21651204 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened in halation of ingestion of contact with expo sure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed concurrently or in any sequence to such injury or damage. Any loss cost or expenses arising out of the abating testing for monitonng cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bactenia by any insured or by any other person or entity. This exclusion does not apply to any fungi or bactenia that are are on or are contained in a good or product intended for bodily consump tion. b. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. ISO Properties Inc. 2003 Page 1 of 1 CG 21671204 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 22500413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION FAILURE TO SUPPLY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to bodily injury or property damage arising out of the failure of any insured to adequately supply gas oil water electricity steam or biofuel. This exclusion does not apply if the failure to supply results from the sudden and accidental injury to tangible property owned or used by any insured to procure produce process or transmit the gas oil water electricity steam or biofuel. Insurance Services Office Inc. 2012 CG 22500413 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Nuclear Energy Liability Exclusion Endorsement Broad Form This endorsement modifies the 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 injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability or 2 Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. Under any Medical Payments coverage to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. Under any Liability Coverage to bodily injury or property damage resulting from the hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed handled used processed stored transported or disposed of by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. 1SO Properties Inc. 2007 Page 1 of 2 1L.00 21 09 08 09 08 | 2 |
nan nan nan nan 3.6220150000540006e17 2. As used in this endorsemeni Hazardous propenies include radioactive toxic or explosive propenies. Nuclear material means source material special nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel component solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supponing chain reaction or to contain a critical mass of fissionable material. Propenty damage includes all forms of radioactive contamination of propeny. Page 2 of 2 IL 00 21 09 08 09 08 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Asbestos Exclusion Endorsement This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART LIQUOR LIABILITY COVERAGE PART MOTOR TRUCK CARGO COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRINTERS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK WAREHOUSEMAN S LEGAL LIABILITY COVERAGE PART This insurance does not apply to any liability damages loss injury demand claim or suit arising out of or caused by or allegedly caused by asbestos either alone or in combination with other substances or factors. Page 1 of 1 LC 2101 06 05 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Silica Exclusion Endorsement This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART LIQUOR LIABILITY COVERAGE PART MOTOR TRUCK CARGO COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRINTERS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK WAREHOUSEMEN S LIABILITY COVERAGE PART This insurance does not apply to any liability damages loss injury demand claim or suit any part of which is caused by or allegedly caused by silica in any form or any substance containing silica either alone or in combination with other substances or factors whether included in a product or otherwise. Page 1 of 1 LC 21 02 06 05 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire lnsurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Discrimination Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to Damages arising out of unlawful discrimination. Page 1 of LC 21 04 06 05 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Libeny Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Lead Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK This insurance does not apply to 1. Any actual or alleged liability damages loss or injury thas results directly or indirectly from the ingestion inhalation exposure 1o or absorption of lead in any form or to any claims or suits arising from lead 2. Actual or alleged propeny damage that results directly or indirectly from lead or the exposure to lead in any form or to any claims or suits arising from lead 3. Any loss cost or expense arising out of any request demand order or stautory or regulaiory requirement tha any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of lead in any form or 4. Any loss cost or expense arising out of any claim or suit by or on behalf of 2 governmental authority for damages resulting from testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding 1o or assessing the effects of lead in any form. Page 1 of 1 LC 2106 06 07 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Polychlorinated Biphenyls PCBs Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART MOTOR TRUCK CARGO COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK This insurance does not apply to any liability damages loss injury demand claim or suit that arises out of or allegedly arises out of exposure to or the presence of Polychlorinated Biphenyls whether such pollutants are alone or combined with any other substances or factors whether included in a product or otherwise. This exclusion applies regardless of whether such exposure occurs inside or outside a building. Without limiting or expanding the term pollutants as used in any policy issued by us the following sentence is included in the definition of pollutants Pollutants include but are not limited to Polychlorinated Biphenyls. This exclusion applies whether or not Polychlorinated Biphenyls have any function in your business operations premises site or location. Page 1 of 1 LC 213806 07 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Radioactive Matter Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL UABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART MOTOR TRUCK CARGO COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK This insurance does not apply 1o any liability damages loss injury demand claim or suit that arises out of or allegedly arises out of exposure to or the presence of radiation andor radioactive matier whether such pollutanis are alone or combined with any other substances or factors whether included in a product or otherwise. This exclusion applies regardless of whether such exposure occurs within or outside a building. Without limiting or expanding the term pollutants as used in any policy issued by us the following sentence is included in the definition of pollutanis Pollutants include but are not limited to radiation andor radioactive matter. Radiation andor radioactive matter includes but is not limited 10 ionizing radiation either directly from unstable atomic nuclei or atoms or as a consequence of a nuclear reaction radioactive isotopes alpha or beta particles or rays gamma rays X Rays photons nucleons including protons and neutrons and electrons. This exclusion applies whether or not such pollutants have any function in your business operations premises site or location. Page 1 of LC 21 39 06 07 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Electromagnetic Fields and Electromagnetic Radiation Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK WAREHOUSEMEN S LIABILITY COVERAGE PART This insurance does not apply to any liability damages loss injury demand claim or suit that arises out of or allegedly arises out of exposure to or the presence of electromagnetic fields andor electromagnetic radiation whether such pollutant is alone or combined with any other substances or factors whether included in a product or otherwise. This exclusion applies regardless of whether such exposure occurs within or outside a building. Without limiting or expanding the term pollutants as used in any policy issued by us the following sentence is included in the definition of pollutants Pollutants include but are not limited 10 electromagnetic fields andor electromagnetic radiation. Electromagnetic fields andor electromagnetic radiation means electromagnetic fields electromagnetic radiation electric fields magnetic fields andor the interaction of electric fields and magnetic fields. Electromagnetic radiation includes but is not limited 1o magnetic energy waves fields or forces generated produced distributed transmitted or maintained by the charges currents frequencies energy or forces of electricity that are generated flow or otherwise transmitted through or via the medium methods and equipment that generate produce distribute transport transmit or store the electrical charges currents frequencies energy or forces. This exclusion applies whether or not such pollutants have any function in your business operations premises site or location. Page 1 of 1 LC 2142 06 07 | 2 |
nan nan nan nan 3.6220150000540006e17 Policy Number TB2 641 444277 025 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MTBE Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE PART GARAGE COVERAGE PART MOTOR TRUCK CARGO COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK This insurance does not apply 10 any liability damages loss injury demand claim or sui1 that arises ou of or allegedly arises ot of exposure 10 or the presence of gasoline or any additive 10 gasoline in any form whether such pollutants are alone or combined with any other subsiances or factors whether included in a product or otherwise. This exclusion applies regardless of whether such exposure occurs within or outside a building. Withou limiting orexpanding the term pollutanis as used in any policy issued by us the following sentence is included in the definition of pollutamis Pollutants include but are not limited 10 gasoline and any additives 1o gasoline including but not limited 10 Methyl Tertiary Butyl Ether MTBE or any other fuel oxygenates such as 1. Ether oxygenates such as tertiary amyl methyl ether TAME tentiary amyl ethyl ether TAEE or ethyl tertiary butyl ether ETBE diisopropy ether DIPE or dimethyl ether DME or any other aliphatic ether or 2. Alcohol oxygenates such as tertiary butyl alcohol TBA or ethanol ethyl alcohol or methanol methyl alcohol. This exclusion applies whether or noi such pollulanis have any function in your business operations premises sile or location. Page 1 of 1 LC 21 65 08 07 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG21060514 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liablility is means information facts or programs replaced by the following stored as or on created or used on or 2. Exclusions transmitted to or from computer software This insurance does not apply to p. Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or 2 The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others ansing out of any access to or disclosure of any person s or organization s confidential or personal information As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others ansing out of any access to or disclosure of any person s or organization s confidential or personal information. Insurance Services Office Inc. 2013 Page 1 of 1 CG 21060514 | 2 |
nan nan nan nan 3.6220150000540006e17 ILo1171210 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES WORKERS COMPENSATION EXCLUSION COMMERCIAL AUTOMOBILE COVERAGE PART This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY 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 A. Forinsurance provided under the Commercial General Liability Coverage Part Commercial Liability Umbrella Coverage Part Employment Related Practices Liability 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 Rairoad Protective Liability Coverage Part Underground Storage Tank Policy The following is added to the Workers Compensation And Similar Laws Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compensation statutes arising out of the failure of the insured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. B. For insurance provided under the Commercial Automobile Coverage Part the following is added to the Workers Compensation Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compensation statutes arising out of the failure of the Tinsured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. C. For insurance provided under the Farm Liability Coverage Form and Farm Umbrella Liability Policy the following is added to the Workers Compensation Or Similar Law Exclusion This exclusion also applies to any obligation of the insured under the Indiana Workers Compensation statutes arising out of the failure of the insured to exact from a contractor or subcontractor if the insured is a contractor a certificate from the workers compensation board showing that the contractor or subcontractor has complied with the applicable workers compensation insurance requirements. Insurance Services Office Inc. 2010 Page 1 of 1 IL0117 1210 | 2 |
nan nan nan nan 3.6220150000540006e17 COMMERCIAL GENERAL LIABILITY CG 01230397 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ ITCAREFULLY. INDIANA CHANGES POLLUTION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to Subparagraph f. Pollution of Paragraph 2. Exclusions of Bodily Injury And Property Damage Liability Coverage Section Coverages and to Paragraph 2. Exclusions of Personal And Adver tising Injury Liability Coverage Section Coverages or to any amendment to or replacement thereof This Pollution Exclusion applies whether or not such irritant or contaminant has any function in your business operations premises site or Jocation. Copyright Insurance Services Office Inc. 1996 Page 1 of 1 CG 01230397 | 2 |
nan nan nan nan 3.6220150000540006e17 IL 015809 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. INDIANA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY MORTGAGEHOLDERS ERRORSAND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM LIABILITY COVERAGE FORM 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 COVERAGE PART. Under the Mortgageholders Errors And Omis sions Coverage Form the following condition applies only to Coverage C and Coverage D. The following condition is added Notice given by or on behalf of the insured to any of our authorized agents in Indiana with particu lars sufficient to identify the insured shall be considered to be notice to us. ISO Properties Inc. 2007 Page 1 of 1 IL 01 58 09 08 | 2 |
nan nan nan nan 3.6220150000540006e17 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 0199 09 08 ARKANSAS CHANGES TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM LIABILITY COVERAGE FORM FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition We will be entitled to recovery only after the insured insured has been fully compensated for the loss or damage sustained including expenses incurred in obtaining full compensation for the loss or damage. ISO Propetties Inc.. 2007 Page 1 of 1 IL 019909 08 | 2 |
nan nan nan nan 3.6220150000540006e17 INDIANA NOTICE TO POLICYHOLDERS Questions regarding your policy or coverage should be directed to PRESIDENTIAL SERVICE TEAM LIBERTY MUTUAL GROUP 175 BERKELEY ST MsS 10B BOSTON MA 02117 Telephone 1 800 344 0197 If you a need the assistance of the governmental agency that regulates insurance or b have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail telephone or email State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street Suite 300 Indianapolis IN 46204 Consumer Hotline 800 622 4461 317 232 2395 Complaints can be filed electronically at www.in.qovidoi. 2010 Liberty Mutual Group of Companies. All nghts reserved. SNI13011210 Page 1 of 1 | 2 |
nan nan nan nan 3.6220150000540006e17 POLICYHOLDER DISCLOSURE TERRORISM RISK INSURANCE ACT THIS NOTICE CONTAINS IMPORTANT INFORMATION PURSUANT TO THE TERRORISM RISK INSURANCE ACT. PLEASE READ IT CAREFULLY. In accordance with the Terrorism Risk Insurance Act including all amendments TRIA or the Act we are required to provide you with a notice of the portion of your premium attributable to coverage for certified acts of terrorism the federal share of payment of losses from such acts and the limitation or cap on our liability under the Act. Disclosure of Premium The Company has made available coverage for certified acts of terrorism as defined in the Act. If purchased the portion of your premium attributable to coverage for certified acts of terrorism is shown in the Declarations Declarations Extension Schedule or elsewhere by endorsement in your policy. Federal Participation In Payment Of Terrorism Losses i an individual insurer s losses from certified acts of terrorism exceed a specified deductible amount the govemment will reimburse the insurer for a percentage of losses the Federal Share paid in excess of the deductible. but only if aggregate industry losses from certified acts of terrorism exceed the Program Trigger. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to certified acts of terrorism exceed 100 billion in a calendar year and we have met our deductible under the Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion. Nor shall Treasury make any payment for any portion of the amount of such losses that exceeds 100 billion. In such case insured Josses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. The Federal Share and Program Trigger by calendar year are Calendar Year Federal Share Program Trigger 2015 85 100000000 2016 84 120000000 2017 83 140000000 2018 82 160.000.000 2019 81 180000000 2020 80 200000000 2015 Liberty Mutual Insurance Page 1 of 1 SNI 90020115 | 2 |
Z ZURICH SANCTIONS EXCLUSION ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY The following exclusion is added to the policy to which it is attached and supersedes any existing sanctions language in the policy whether included in an Exclusion Section or otherwise SANCTIONS EXCLUSION Notwithstanding any other terms under this policy we shall not provide coverage nor will we make any payments or provide any service or benefit to any insured beneficiary or third party who may have any rights under this policy to the extent that such cover payment service benefit or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation. The term policy may be comprised of common policy terms and conditions the declarations notices schedule coverage parts insuring agreement application enrollment form and endorsements or riders if any for each coverage provided. Policy may also be referred to as contract or agreement. We may be referred to as insurer underwriter we us and our or as otherwise defined in the policy and shall mean the company providing the coverage. Insured may be referred to as policyholder named insured covered person additional insured or claimant or as otherwise defined in the policy and shall mean the party person or entity having defined rights under the policy. These definitions may be found in various parts of the policy and any applicable riders or endorsements. ALL OTHER TERMS AND CONDITIONS OF THIS POLICY REMAIN UNCHANGED U GU1191 A CW 0315 Page I of 1 | 2 |
2 ZURICH Important Notice to Policyholders The address for the headquarters of Zurich North America will change after August 1 2016 due to a relocation of our office in the same city. The new address is Customer Inquiry Center Zurich North America 1299 Zurich Way Schaumburg IL 60196 1 800 382 2150 For specific questions regarding your policy please contact your agent or broker. For other questions you may contact the Customer Inquiry Center of Zurich North America. Any references to post office boxes previously provided remain unchanged. U GU1194 A CW 0815 Page 1 of 1 | 2 |
Z4 ZURICH Important Information for Virginia Policyholders Inthe event you need to contact someone about this policy for any reason please contact your agent. If you have additional questions you may contact the Zurich North America office that issued this pol icy at the following address and telephone number Customer Inquiry Center Zurich North America 1400 American Lane Schaumburg IL 60196 800 382 2150 If you have been unable to contact or obtain satisfaction from your agent or company you may con tact the Virginia Bureau of Insurance at Bureau of Insurance P.O. Box 1157 Richmond VA 23218 The telephone number in Virginiais 1 800 552 7945 Out of state policyholders may call 1 804 371 9741 Written correspondence is preferable so that a record of your inquiry may be maintained. When con tacting your agent company or Bureau of Insurance have your policy number available. U GU267 C VA 810 Page 1of 1 | 2 |
Z ZURICH Insured Name Policy Number Effective Date THIS DISCLOSURE IS ATTACHED TO AND MADE PART OF YOUR POLICY. DISCLOSURE OF IMPORTANT INFORMATION RELATING TO TERRORISM RISK INSURANCE ACT SCHEDULE Premium attributable to risk of loss from certified acts of terrorism for lines of insurance subject to TRIA General Liability 3334.00 Any information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure of Premium In accordance with the federal Terrorism Risk Insurance Act TRIA as amended we are required to provide you with a notice disclosing the portion of your premium if any attributable to the risk of loss from terrorist acts certified under that Act for lines subject to TRIA. That portion of premium attributable is shown in the Schedule above. The premium shown in the Schedule above is subject to adjustment upon premium audit if applicable. B. Disclosure of Federal Participation in Payment of Terrorism Losses The United States Government may pay a share of insured losses resulting from an act of terrorism. The federal share will decrease by 5 from 85 to 80 over a five year period while the insurer share increases by the same amount during the same period. The schedule below illustrates the decrease in the federal share January1 2015 December 31 2015 federal share 85 January1 2016 December 31 2016 federal share 84 January1 2017 December 31 2017 federal share 83 January1 2018 December 31 2018 federal share 82 January1 2019 December 31 2019 federal share 81 January1 2020 December 31 2020 federal share 80 C. Disclosure of 100 Billion Cap on All Insurer and Federal Obligations If aggregate insured losses attributable to terrorist acts certified under TRIA exceed 100 billion in a calendar year January 1 through December 31 and an insurer has met its deductible under the program that insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of Treasury. D. Availability As required by TRIA we have made available to you for lines subject to TRIA coverage for losses resulting from acts of terrorism certified under TRIA with terms amounts and limitations that do not differ materially from those for losses arising from events other than acts of terrorism. eneral Liability 3334.00 U GU630 D CW 0115 Page 10f 2 Copyright 2015 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
E. Definition of Act of Terrorism under TRIA TRIA defines act of terrorism as any act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act TRIA to be an act of terrorism. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism 1. To be an act of terrorism 2. Tobe a violent act or an act that is dangerous to human life property or infrastructure 3. To have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. To have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA do not exceed 5000000. U GU630 D CW 0115 Page 2 of 2 Copyright 2015 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM Insureds Name Policy Number Effective Endorsement Date Number THIS ENDORSEMENT CHANGES YOUR POLICY. PLEASE READ IT CAREFULLY. umber This endorsement modifies your insurance A. This endorsement applies to all Coverage Parts included in this policy. Cap on Losses From Certified Terrorism Losses Certified act of terrorism means an act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act TRIA. The Terrorism Risk Insurance Act provides that the Secretary of Treasury shall certify an act of terrorism L. to be an act of terrorism 2. to be a violent act or an act that is dangerous to human life property or infrastructure 3. to have resulted in damage within the United States or outside of the United States in the case of an air carrier as defined in section 40102 of Title 49 United States Code or a United States flag vessel or a vessel based principally in the United States on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States or the premises of a United States mission and 4. to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. No act may be certified as an act of terrorism if the act is committed as part of the course of a war declared by Congress except for workers compensation or if losses resulting from the act in the aggregate for insurance subject to TRIA. do not exceed 5.000000. If aggregate insured losses attributable to one or more certified acts of terrorism exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures blished by the Secretary of Treasury. Application of Other Exclusions The terms and limitations of a terrorism exclusion or any other exclusion or the inapplicability or omission of a terrorism exclusion or any other exclusion do not serve to create coverage which would otherwise be excluded limited or restricted under this policy. Copyright 2008 Zurich American Insurance Company Includes copyrighted material of Insurance Services Office Inc.. with its perm U GU T67 A CW 0108 Pagel of 1 | 2 |
Z ZURICH Disclosure Statement Itis our pleasure to present the enclosed policy to you for presentation to your customer. INSTRUCTION TO AGENT OR BROKER WE REQUIRE THAT YOU TRANSMIT THE ATTACHED ENCLOSED DISCLOSURE STATEMENT TO THE CUSTOMER WITH THE POLICY. Once again thank you for your interest and we look forward to meeting your needs and those of your customers. U GUB73 ACW 0611 Page 1 of 1 | 2 |
Z ZURICH Disclosure Statement NOTICE OF DISCLOSURE FOR AGENT BROKER COMPENSATION If you want to learn more about the compensation Zurich pays agents and brokers visit httpwww.zurichnaproducercompensation.com or call the following toll free number 866 903 1192. This Notice is provided on behalf of Zurich American Insurance Company and its underwriting subsidiaries. U GU874 ACW 0611 Page 1 of 1 | 2 |
Z ZURICH COMMERCIAL INSURANCE COMMON POLICY DECLARATIONS Policy Number GLO 3707383 13 Renewal of Number GLO 3707383 12 Named Insured and Mailing Address Producer and Mailing Address D.C. TAYLOR CO. LOCKTON COMPANIES LLC SEE NAMED INSURED ENDT 1015 N 98TH ST STE 101 312 29TH ST. NE OMAHA NE 68114 2357 P.0.BOX 97 CEDAR RAPIDS IA 52406 0097 Producer Code 28832 806 Policy Period Coverage begins 04 01 2016 at1201 AM. Coverageends 04 01 2017 at 1201 AM. The name insured is Individual Partnership X Corporation Other This insurance is provided by one or more of the stock insurance companies which are members of the Zurich American Insurance Group. The company that provides coverage is designated on each Coverage Part Common Declarations. The company or companies providing this insurance may be referred to in this policy as The Company we us or our. The address of the companies of the Zurich American Insurance Group are provided on the next page. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGES GENERAL LIABILITY COVERAGE PREMIUM 335725. issued by ZURICH AMERICAN INSURANCE COMPANY KY INSURANCE PREMIUM SURCHARGE 91. KY MUNICIPAL TAX 292. NJ PLIGA SURCHARGE 2 VA BIRTH RELATED NEURO INJURY COMP FUND 6. THIS PREMIUM MAY BE SUBJECT TO AUDIT. TOTAL 335725.00 This premium does not include Taxes and Surcharges. Taxes and Surcharges TOTAL 391.35 The Forms and Endorsements made a part of this policy at the time of issue are listed on the SCHEDULE of FORMS and ENDORSEMENTS. Countersigned this day of Authorized Representative THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PART DECLARATIONS COVERAGE PART FORMS FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. UGU D310 A 0193 Page 1 of 1 GENERAL LIABILITY COVERAGE issued by ZURICH AMERICAN INSURANCE COMPANY KY INSURANCE PREMIUM SURCHARGE KY MUNICIPAL TAX NJ PLIGA SURCHARGE VA BIRTH RELATED NEURO INJURY COMP FUND PREMIUM LA 335725. 91. 292. 2. 6. | 2 |
Policy Number GLO 3707383 13 KENTUCKY MUNICIPAL TAX SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured p. C. TAYLOR CO. Effective Date 04 01 16 1201 A.M. Standard Time Agent Name L OCKTON COMPANIES LLC AgentNo. 28832 806 TAX JURISDICTION TAX AMOUNT Louisville Jefferson 292.00 The amount displayed includes tax and collection fees. KY TAX FORM 1208 KENTUCKY MUNICIPAL TAX SCHEI ZURICH AMERICAN INSURANCE C 3707383 13 ANY he amount displayed includes tax and collection fees. | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured D.C. TAYLOR CO. Effective Date 04 01 16 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 28832 806 COMMON POLICY FORMS AND ENDORSEMENTS U GU1191 A CW 03 15 SANCTIONS EXCLUSION ENDORSEMENT U GU630 D CW 01 15 DISCLOSURE OF INFO RELATING TO TRIA U GU767 A CW 01 08 CAP ON LOSSES FROM CERTIFIED ACTS OF TER U GU D310 A 01 93 COMMON POLICY DECLARATIONS ZITAXFORM 12 08 KENTUCKY MUNICIPAL TAX SCHEDULE U GU619 A CW 10 02 SCHEDULE OF FORMS AND ENDORSEMENTS U GU319 F 01 09 IMPORTANT NOTICE IN WITNESS CLAUSE U GU621 A CW 10 02 SCHEDULE OF NAMED INSURED S U GU618 A CW 10 02 SCHEDULE OF LOCATIONS U GU1016 A CW 06 10 KNOWLEDGE BY POSITION OR DEPARTMENT 11 98 COMMON POLICY CONDITIONS 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT 10 15 VIRGINIA CHANGES 09 08 ILLINOIS CHANGES DEFENSE COSTS 10 02 OKLAHOMA NOTICE 09 08 NORTH DAKOTA CHANGES CANC NONRENL 04 12 DELAWARE CHANGES TERMINATION PROVISIONS 09 08 IOWA CHANGES CANC NONRENL 03 12 LOUISIANA CHANGES CANC NONRENL 09 08 CALCULATION OF PREMIUM 04 84 RETRO PREM ENDT SHORT FORM GENERAL LIABILITY FORMS AND ENDORSEMENTS U GL1344 C CwW 06 11 RESULTING DAMAGE TO YOUR WORK U GL1517 B CW 04 13 RECORD OR DISTRB OF MATRL OR INFO EXCL U GL1518 A CW 04 13 BROADENED NAMED INSURED U GL851 B CW 06 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL915 C CW 08 04 FELLOW EMPLOYEE COVERAGE ENDORSEMENT U GL923 B CW 06 04 SILICA OR SILICA MIXED DUST EXCLUSION U GL925 B CW 12 01 WAIVER OF SUBROGATION BLANKET ENDT. U GL D851 B CW 09 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL D1115 B CW 09 04 COMMERCIAL GL COVERAGE PART DECLARATIONS CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COV FORM CG 00 65 04 13 ELECTRONIC DATA LIABILITY COVERAGE FORM U GL1114 A 10 02 ELECTRONIC DATA LIABILITY U GL1060 E 04 13 CONTRACTORS LIABILITY ENDORSEMENT UGL1171ACW 07 03 FUNGI OR BACTERIA EXCLUSION U GL1175 F 04 13 ADDL INSD AUTO OWNERS LESSEES CONTRACTR U GL1205 B 01 08 WELDING HEALTH HAZARD EXCLUSION U GL1267 A 05 06 ILLINOIS EXCL OF WAIVER OF KOTECKI CAP U GL1294 A 10 06 LIMITED OPERATIONS CONSOLIDATED WRAP UP U GL1342 A 10 07 LEAD LIABILITY EXCLUSION U GL1178ACW 07 03 ASBESTOS EXCLUSION ENDORSEMENT U GL872 B CW 04 09 PREMIUM REPORTS AGREEMENT COMP RATED CG 01 13 12 04 TX CHANGES EXPERIENCE RATING MOD CG 01 79 07 10 VIRGINIA CHANGES CG 02 20 03 12 FL CHANGES CANCELLATION NONRENEWAL CG 26 50 04 13 MISSOURI CHANGES MEDICAL PAYMENTS CG 33 89 05 13 KY CHGS YOUR RIGHT TO CLAIM INFORMATION U GL1059 B CW 12 14 LIMITED POLLUTION COVERAGE WORK SITE U GL852 A CW 07 96 EMPL BENEFITS LIAB OCCURRENCE DED ENDT CG 02 24 10 93 EARLIER NOTICE OF CANC PROVIDED BY US U GU619 A CW 1002 SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLO 3707383 13 HEDULE OF FORMS AND ENDORSEMENTS ch American Insurance Company Effective Date 04 01 1 1201 A.M. Standard Tin ONS EXCLUSION ENDORSEMENT SURE OF INFO RELATING TO TRIA LOSSES FROM CERTIFIED ACTS OF TER POLICY DECLARATIONS Y MUNICIPAL TAX SCHEDULE LE OF FORMS AND ENDORSEMENTS NT NOTICE IN WITNESS CLAUSE LE OF NAMED INSURED S LE OF LOCATIONS GE BY POSITION OR DEPARTMENT POLICY CONDITIONS R ENERGY LIABILITY EXCLUSION ENDT A CHANGES S CHANGES DEFENSE COSTS 1A NOTICE AKOTA CHANGES CANC NONRENL RE CHANGES TERMINATION PROVISIONS IANGESCANC NONRENL NA CHANGES CANC NONRENL TION OF PREMIUM REM ENDT SHORT FORM NTS NG DAMAGE TO YOUR WORK OR DISTRB OF MATRL OR INFO EXCL VED NAMED INSURED E BENEFITS LIAB OCCURRENCE COV EMPLOYEE COVERAGE ENDORSEMENT OR SILICA MIXED DUST EXCLUSION OF SUBROGATION BLANKET ENDT. BENEFITS LIAB OCCURRENCE COV AL GL COVERAGE PART DECLARATIONS IAL GENERAL LIABILITY COV FORM ONIC DATA LIABILITY COVERAGE FORM ONIC DATA LIABILITY TORS LIABILITY ENDORSEMENT R BACTERIA EXCLUSION ISD AUTO OWNERS LESSEES CONTRACTR HEALTH HAZARD EXCLUSION S EXCL OF WAIVER OF KOTECKI CAP OPERATIONSCONSOLIDATED WRAP UP ABILITY EXCLUSION DS EXCLUSION ENDORSEMENT 1 REPORTS AGREEMENT COMP RATED IGESEXPERIENCE RATING MOD A CHANGES NGES CANCELLATION NONRENEWAL RI CHANGES MEDICAL PAYMENTS 5 YOUR RIGHT TO CLAIM INFORMATION POLLUTION COVERAGE WORK SITE NEFITS LIAB OCCURRENCE DED ENDT A CW CW L CW A L CW L CW L CW A CW B CW L CW | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured D.C. TAYLOR CO. Agent Name LOCKTON COMPANIES LLC U GL1084 A CW U GU619 A CW 1002 ADDL ADDL ADDL ADDL ADDL EXCL. Effective Date 04 01 16 1201 A.M Standard Time AgentNo. 28832 806 INSD OWNERS LESSEES CONTRACTORS INSD MANAGERS LESSORS OF PREMISES INSD LESSOR OF LEASED EQUIPMENT INSD ENGRS ARCHTS OR SURVEYORS INSD OWNERS LESSEES CONTR COMP OPS ACC DISCL OF CONFI OR PERSONAL INFO EMPLOYMENT RELATED PRACTICES EXCLUSION EXCL. EXCL EXTERIOR INSULATION FINISH SYSTEM CONTRACTORS PROF LIAB CONTRACTUAL LIABILITY RAILROADS DESIGNATED CONSTRUCTION PROJECTS GENERAL DESIGNATED LOCATIONS GENERAL AGGREGATE ALASKA WAR LIABILITY EXCLUSION CONTRACTORS DESIGN LIABILITY ENDT SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLO 3707383 13 HEDULE OF FORMS AND ENDORSEMENTS ch American Insurance Company Effective Date 04 01 1 1201 A.M. Standard Tin INIPIPIPINININININNDINIY N WOO JEBOWWNH LEROIORNT0INDH 26 GL1084 A CW ADDL ADDL ADDL ADDL EXCL. LNOD MANAGERS LEooURS U FREMIOLS INSD LESSOR OF LEASED EQUIPMENT INSD ENGRS ARCHTS OR SURVEYORS INSD OWNERS LESSEES CONTR COMP OPS ACC DISCL OF CONFI OR PERSONAL INFO EMPLOYMENT RELATED PRACTICES EXCLUSION EXCL EXCL EXTERIOR INSULATION FINISH SYSTEM CONTRACTORSPROF LIAB CONTRACTUAL LIABILITY RAILROADS DESIGNATED CONSTRUCTION PROJECTS GENERAL DESIGNATED LOCATIONS GENERAL AGGREGATE ALASKA WAR LIABILITY EXCLUSION CONTRACTORS DESIGN LIABILITY ENDT | 2 |
Z ZURICH Important Notice In Witness Clause In return for the payment of premium and subject to the terms of this policy coverage is provided as stated in this policy. IN WITNESS WHEREOF this Company has executed and attested these presents and where required by law has caused this policy to be countersigned by its duly Authorized Representatives. P Janey DV lles D Sk President Corporate Secretary QUESTIONS ABOUT YOUR INSURANCE Your agent or broker is best equipped to provide information about your insurance. Should you require additional information or assistance in resolving a complaint call or write to the following please have your policy or claim number ready Zurich in North America Customer Inquiry Center 1400 American Lane Schaumburg lllinois 60196 1056 1 800 382 2150 Business Hours 8 am 4 pm CT Email info.sourcezurichna.com 1056 1 4pm CT U GU319 F 0109 Page Lof | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPANY Named Insured D.C. TAYLOR CO. Effective Date 04 01 16 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 28832 806 NAMED INSURED D.C. TAYLOR CO. MIDCOAST INDUSTRIAL SERVICES CORP. WILLIAM TAYLOR PHIL SUESS MARY TAYLOR SUESS TAYLOR ROOFING SERVICES INC. ROOFWARE INC CYPRESS ROOF CORPORATION NRC UNIVERSAL INC. TAYLOR ROOFING CO. U GU621 A CW 1002 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPAL LO 3707383 13 i tia Natar AANT1 D.C. TAYLOR CO..C. TAYLOR CO. IDCOAST INDUSTRIAL SERVICES CORP. ILLIAM TAYLOR HIL SUESS ARY TAYLOR SUESS AYLOR ROOFING SERVICES INC. OOFWARE INC YPRESS ROOF CORPORATION RC UNIVERSAL INC. AYLOR ROOFING CO. | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured D.C. TAYLOR CO. Effective Date 04 01 16 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 28832 806 Designated Locations Address City State Zip Code 1253 LAKE AVE ICEDAR RAPIDS IA 52406 Occupancy 1312 29TH STNE ICEDAR RAPIDS IA 52406 3192 FLORENCE RD IPOWDER SPRINGS GA 30073 2224 W SHANGRI LA RD PHOENIX AZ 85002 28144 W INDUSTRIAL AVE ISTE 100 IBARRINGTON IL 60010 IALL WORK PERFORMED IN AL IMONTGOMERY AL 36102 IALL WORK PERFORMED IN AK MUNEAU AK 99811 IALL WORK PERFORMED IN AR ILITTLE ROCK AR 72201 IALL WORK PERFORMED IN CO IDENVER CO 80203 IALL WORK PERFORMED IN CT HARTFORD CT 06106 IALL WORK PERFORMED IN DE IDOVER DE 19901 ALL WORK PERFORMED IN DC ASHINGTON DC 20005 ALL WORK PERFORMED IN FL. TALLAHASSEE FL 32301 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370738313 4 Effective Date 04 01 16 1201 A.M. Standard Time DARRAFIDS 1A 52406 2 29TH STNE DAR RAPIDS IA 52406 2 FLORENCE RD WDER SPRINGS GA 30073 24 W SHANGRI LA RD OENIX AZ 85002 144 W INDUSTRIAL AVE E 100 RRINGTON IL 60010 L WORK PERFORMED IN AL ONTGOMERY AL 36102 L WORK PERFORMED IN AK NEAU AK 99811 L WORK PERFORMED IN AR TLE ROCK AR 72201 L WORK PERFORMED IN CO NVER CO 80203 L WORK PERFORMED IN CT RTFORD CT 06106 L WORK PERFORMED IN DE VER DE 19901 L WORK PERFORMED IN DC SHINGTON DC 20005 L WORK PERFORMED IN FL LLAHASSEE FL 32301 | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured D.C. TAYLOR CO. Effective Date 04 01 16 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 28832 806 Designated Locations Address City State Zip Code IALL WORK PERFORMED IN IN INDIANAPOLIS IN 46204 Occupancy IALL WORK PERFORMED IN MI ILANSING M1 48909 IALL WORK PERFORMED IN MN ISAINT PAUL PARK MN 55071 IALL WORK PERFORMED IN NM ISANTA FE NM 87501 IALL WORK PERFORMED IN NY IALBANY NY 12203 IALL WORK PERFORMED IN RI PROVIDENCE RI 02903 IALL WORK PERFORMED IN MS WACKSON MS 39205 IALL WORK PERFORMED IN HI HONOLULU HI 96815 IALL WORK PERFORMED IN ID BOISE ID 83715 ALL WORK PERFORMED IN KS TOPEKA KS 66603 IALL WORK PERFORMED IN KY ILOUISVILLE KY 40201 IALL WORK PERFORMED IN LA IBATON ROUGE LA 70804 IALL WORK PERFORMED IN MD IANNAPOLIS MD 21401 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370738313 4 Effective Date 04 01 16 1201 A.M. Standard Time JIANAFOLIS IN 46204 L WORK PERFORMED IN MI NSING M1 48909 L WORK PERFORMED IN MN INT PAUL PARK MN 55071 L WORK PERFORMED IN NM NTA FE NM 87501 L WORK PERFORMED IN NY BANY NY 12203 L WORK PERFORMED IN RI OVIDENCE R102903 L WORK PERFORMED IN MS CKSON MS 39205 L WORK PERFORMED IN HI INOLULU HI 96815 L WORK PERFORMED IN ID ISE ID 83715 L WORK PERFORMED IN KS PEKA KS 66603 L WORK PERFORMED IN KY UISVILLE KY 40201 L WORK PERFORMED IN LA TON ROUGE LA 70804 L WORK PERFORMED IN MD NAPOLIS MD 21401 | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured D.C. TAYLOR CO. Effective Date 04 01 16 1201 A.M. Standard Time AgentName LOCKTON COMPANIES LLC AgentNo. 28832 806 Designated Locations Address City State Zip Code IALL WORK PERFORMED IN MA BOSTON MA 02201 Occupancy IALL WORK PERFORMED IN MO IKANSAS CITY MO 65102 IALL WORK PERFORMED IN NE ILINCOLN NE 68509 IALL WORK PERFORMED IN NH ICONCORD NH 03301 IALL WORK PERFORMED IN NJ MWERSEY CITY NJ 07301 IALL AORK PERFORMED IN NC IRALEIGH NC 27611 IALL WORK PERFORMED IN ND IBISMARCK ND 58505 IALL WORK PERFORMED IN NV CARSON CITY NV 89701 IALL WORK PERFORMED IN OK OKLAHOMA CITY OK 73105 IALL WORK PERFORMED IN OR ISALEM OR 97301 IALL WORK PERFORMED IN PA HARRISBURG PA 17101 IALL WORK PERFORMED IN SC COLUMBIA SC 29202 IALL WORK PERFORMED IN SD PIERRE SD 57501 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370738313 4 Effective Date 04 01 16 1201 A.M. Standard Time S TON MA 02201 L WORK PERFORMED IN MO NSAS CITY MO 65102 L WORK PERFORMED IN NE ICOLN NE 68509 L WORK PERFORMED IN NH INCORD NH 03301 L WORK PERFORMED IN NJ ASEY CITY NJ 07301 L AORK PERFORMED IN NC LEIGH NC 27611 L WORK PERFORMED IN ND SMARCK ND 58505 L WORK PERFORMED IN NV RSON CITY NV 89701 L WORK PERFORMED IN OK LAHOMA CITY OK 73105 L WORK PERFORMED IN OR LEM OR 97301 L WORK PERFORMED IN PA RRISBURG PA 17101 L WORK PERFORMED IN SC LUMBIA SC 29202 L WORK PERFORMED IN SD RRE SD 57501 | 2 |
Policy Number GLO 3707383 13 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured D.C. TAYLOR CO. Effective Date 04 01 16 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 28832 806 Designated Locations Address City State Zip Code Occupancy IALL WORK PERFORMED IN TN INASHVILLE TN 37203 IALL WORK PERFORMED IN TX IAUSTIN TX 78766 ALL WORK PERFORMED IN VA IRICHMOND VA 23219 IALL WORK PERFORMED IN VT IMONTPELIER VT 05602 IALL WORK PERFORMED IN WI IMADISON WI 53705 IALL WORK PERFORMED IN UT ISALT LAKE CITY UT 84114 IALL WORK PERFORMED IN MT HELENA MT 59620 IALL WORK PERFORMED IN OH COLUMBUS OH 43217 IALL WORK PERFORMED IN WA ISEATTLE WA 98121 IALL WORK PERFORMED IN WV CHARLESTON WV 25305 IALL WORK PERFORMED IN WY CHEYENNE WY 82003 IALL WORK PERFORMED IN CA ISACRAMENTO CA 95814 U GU618 A CW 1002 SCHEDULE OF LOCATIONE Zurich American Insurance Comp GLO 370738313 4 Effective Date 04 01 16 1201 A.M. Standard Time ORVILLE TN 57205 L WORK PERFORMED IN TX STIN TX 78766 L WORK PERFORMED IN VA HMOND VA 23219 L WORK PERFORMED IN VT ONTPELIER VT 05602 L WORK PERFORMED IN WI DISON WI 53705 L WORK PERFORMED IN UT LT LAKE CITY UT 84114 L WORK PERFORMED IN MT LENA MT 59620 L WORK PERFORMED IN OH LUMBUS OH 43217 L WORK PERFORMED IN WA ATTLE WA 98121 L WORK PERFORMED IN WV ARLESTON WV 25305 L WORK PERFORMED IN WY EYENNE WY 82003 L WORK PERFORMED IN CA CRAMENTO CA 95814 | 2 |
Z Knowledge by Position or Department ZURICH Policy No. Eff. Date of Pol. Exp. Date of Pol. Eif. Date of End. Addl. Prem THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Business Auto Coverage Part Commercial General Liability Coverage Part Liquor Liability Coverage Part Products Completed Operations Liability Coverage Part Railroad Protective Liability Coverage Part SCHEDULE PRESIDENT PHIL SUESS Position or Department The following Condition is added Knowledge By Your Employee 1. Knowledge of an accident occurrence offense injury claim suit or loss by your employee will not in and of itself be considered your knowledge of the accident occurrence offense injury claim suit or loss unless an employee who a. Holds a position or b. s a member of a department shown in the Schedule of this endorsement receives such knowledge. 2. This endorsement does not apply unless the Schedule of this endorsement indicates at least one Position or Department. All other terms and conditions of this policy remain unchanged. U GU1016 A CW 0610 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelof1 O IL 00 17 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The insurance does not apply A. Under any Liability Coverage to bodily injury C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwrit ers Nuclear Insurance Association of Can ada or any of their successors or would be an insured under any such policy but for its termination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into properties of nuclear material if 1 The nuclear material a is at any nuclear 2 3 facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any 2 agency thereof with any person or organi zation. 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 op eration of a nuclear facility by any person or organization.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. 3 IL 00 21 09 08 ISO Properties Inc. 2007 Page 1 of 2 m | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear 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 d Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or 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 radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL01381015 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VIRGINIA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. 3. and 5. of the Cancellation Common Policy Condition are 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 a. 15 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 45 days before the effective date of cancellation if we cancel for any other reason. 4 After the first year if it is a prepaid policy written for a term of more than one year. b. When this Policy is cancelled at your request except when Paragraph a.2 a.3 or a.4 applies we will return 90 of the pro rata unearned premium rounded to the next higher whole dollar. However when such cancellation takes place during the first year of a multiyear prepaid policy we will return the full annual premium for the subsequent years. In addition earned premium will not be less than our policywriting minimum premium. 3. We will send written notice in accordance with B. The following is added and supersedes any other Virginia Law or deliver written notice to the first provision to the contrary Named Insured s last mailing address known to Nonrenewal us. 5. If this Policy is cancelled we will send the first 1. If we elect not to renew this Policy we will mail Named Insured any premium refund due. The cancellation will be effective even if we have not made or offered a refund. The following provisions govern calculation of return premium. a. We will compute return premium pro rata and round to the next higher whole dollar when this Policy is cancelled 1 Atour request 2 Because you no longer have a financial or insurable interest in the property or business operation that is the subject of insurance 3 And rewritten by us or a member of our company group or or deliver a notice of nonrenewal to the first Named Insured shown in the Declarations stating the reason for nonrenewal at least a. 15 days before the expiration date if the nonrenewal is due to nonpayment of premium or b. 45 days before the expiration date if the nonrenewal is for any other reason.. We will send written notice in accordance with Virginia Law or deliver written notice of nonrenewal to the first Named Insured s last mailing address known to us.. If notice is mailed proof of mailing will be sufficient proof of notice. IL01381015 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
IL 01 62 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES 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 PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The provisions of Paragraph B. are added to all B. If we initially defend an insured insured or pay Insuring Agreements that set forth a duty to de for an insured s insured s defense but later de fend under termine that the claims is are not covered un 1. Section of the Commercial General Liability der this insurance we will have the right to reim Commercial Liability Umbrella Employment pursement for the defense costs we have Related Practices Liability Farm Liquor Liabil Incurred. ity Owners And Contractors Protective Liabil The right to reimbursement for the defense costs ity Pollution Liability Products Completed under this provision will only apply to defense Operations Liability Product Withdrawal costs we have incurred after we notify you in writ Medical Professional Liability Railroad Protec ing that there may not be coverage and that we tive Liability Underground Storage Tank Cov are reserving our rights to terminate the defense erage Parts and the Farm Umbrella Liability and seek reimbursement for defense costs. Policy 2. Section Il Liability Coverage in Paragraph A. Coverage under the Business Auto Garage Motor Carrier and Truckers Coverage Forms 3. Section A. Coverage under the Legal Liability Coverage Form and 4. Coverage C Mortgageholder s Liability un der the Mortgageholders Errors And Omis sions Coverage Form. IL 01 62 09 08 ISO Properties Inc. 2007 Page 1 of 1 m | 2 |
IL 017910 02 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 pro ceeds of an insurance policy containing any false incomplete or misleading information is guilty of a felony. IL 017910 02 ISO Properties Inc. 2002 Page 1 of 1 m | 2 |
IL 0234 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common 3 The insured s actions that have sub Policy Condition are replaced by Paragraphs 2. stantially increased or substantially and 3. below except to the extent that Item B. of changed the risk insured this endorsement applies. 4 The insured s refusal to eliminate 2. Policies In Effect known conditions that increase the po a. For Less Than 90 Days tential for loss after our notification that.. the condition must be removed If this policy has been in effect for less than 90 days we may cancel the policy for any 5 Substantial change in the risk assumed reason by mailing to the first Named In sured and agent if any written notice of cancellation at least 1 10 days before the effective date of can cellation or 2 Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement.. For 90 Days Or More Or Policies With Terms Longer Than One Year Or Continuous Policies If this policy has been in effect for 90 days or more is a renewal of a policy we issued is a policy issued for a term longer than one year or is a continuous policy we may can cel the policy only for one or more of the following reasons 1 Nonpayment of premiums 2 Misrepresentation or fraud made by the insured or with the insured s knowl edge in obtaining the policy or in pursu ing a claim under the policy except to the extent that we should rea sonably have foreseen the change or contemplated the risk in writing the con tract 6 Loss of reinsurance which provided us with coverage for a significant amount of the underlying risk insured 7 A determination by the insurance com missioner that the continuation of the policy could place us in violation of North Dakota insurance laws Nonpayment of dues to an association or organization other than an insurance association or organization where pay ment of dues is a prerequisite to obtain ing or continuing such insurance. Can cellation for this reason does not apply to persons who are retired at 62 years of age or older or to any person who is disabled according to social security standards IL 02 34 09 08 ISO Properties Inc. 2007 Page 1 of 2 m | 2 |
9 A violation of any local fire health safety building or construction regula tion or ordinance with respect to Cov ered Property or the occupancy thereof which substantially increases any hazard insured against or 10 Certain conditions exist as stated in Paragraph B. of this endorsement. We will mail written notice of cancellation to the first Named Insured and agent if any at least a Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement b 10 days before the effective date of can cellation for nonpayment of premium or c 30 days before the effective date of can cellation for any reason stated in Para graphs 2.b.2 through 9 above. However for policies with terms longer than one year or continuous policies notice of can cellation will be mailed at least 30 days prior to any anniversary date for any reason stated in Paragraphs 2.b.1 through 9 above. If we cancel for a reason listed in Paragraphs 2.b.1 through 9 above the notice of cancel lation will state our reasons for cancellation. 3. We will mail our notice by first class mail to the first Named Insured and agent if any at the last mailing address known to us.. We may also cancel the policy if one or more of the following conditions exist 1. Buildings with at least 65 of the rental units in the building unoccupied. 2. Buildings that have been damaged by a cov ered cause of loss and the insured has stated or such time has elapsed as clearly indicates that the damage will not be repaired. 3. Buildings to which following a fire permanent repairs have not commenced within 60 days fol lowing satisfactory adjustment of loss. 4. Buildings that have been unoccupied 60 or more consecutive days except buildings that have a seasonal occupancy and buildings ac tually in the course of construction or repair and reconstruction which are properly secured against unauthorized entry. 5. Buildings that are in danger of collapse be cause of serious structural conditions or those buildings subject to extremely hazardous con ditions not contemplated in filed rating plans such as those buildings that are in a state of disrepair as to be dilapidated. 6. Buildings on which because of their physical condition there is an outstanding order to va cate or an outstanding demolition order or which have been declared unsafe in accor dance with applicable law. 7. Buildings from which fixed and salvageable items have been or are being removed and the insured can give no reasonable explanation for the removal. 8. Buildings on which there is reasonable knowl edge and belief that the property is endangered and is not reasonably protected from possible arson for the purpose of defrauding an insurer. 9. Buildings with any of the following conditions a. Failure to furnish heat water sewer service or public lighting for 30 consecutive days or more. b. Failure to correct conditions dangerous to life health or safety. c. Failure to maintain the building in accor dance with applicable law. d. Failure to pay property taxes for more than one year. 10. Buildings that have characteristics of owner ship condition occupancy or maintenance which are violative of law or public policy. C. The following is added and supersedes any provi sion to the contrary NONRENEWAL 1. If we elect not to renew this policy we will mail to the last known address of the first Named Insured shown in the Declarations and agent if any a notice of intention not to renew at least a. 60 days prior to the expiration date of the policy except as provided in Paragraph b. or b. 90 days prior to the expiration date of the policy when the policy provides profes sional liability coverage for legal and medi cal services. The notice of nonrenewal will state our reason for nonrenewal. 2. We will mail our notice by first class mail to the first Named Insured and agent if any at the last mailing address known to us. 3. We need not mail or deliver this notice if you have a. Insured elsewhere b. Accepted replacement coverage or c. Requested or agreed to nonrenewal. Page 2 of 2 ISO Properties Inc. 2007 IL 0234 09 08 o | 2 |
IL 023704 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELAWARE CHANGES TERMINATION PROVISIONS This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. With respect to the Farm Property Farm Dwellings Appurtenant Structures and Household Personal Property Coverage Form Commercial Property Coverage Part and 2 Discovery of fraud or material misrepresentation made by you or with your knowledge in obtaining the policy continuing the policy or in presenting a claim under the policy Capital Assets Program Output Policy Coverage 3 Discovery of willful or reckless acts Part or omissions on your part that If the policy covers a building that contains no increase any hazard insured against more than four dwelling units one of which is the 4 The occurrence of a change in the insured s principal place of residence or covers risk that substantially increases any the insured s household personal property in a hazard insured against after residential building the following applies 1. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 5 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation along with the y reasons for cancellation at least occupancy that substantially increases any hazard insured a. 10 days before the effective date of against cancellation if we cancel for nonpayment of premium or 8 b. 30 days before the effective date of cancellation if we cancel for any other insurance coverage has been issued or renewed A violation of any local fire health safety building or construction regulation or ordinance with respect to any covered property or its A determination by the Insurance Commissioner that the continuation of the policy would place us in violation of the Delaware insurance reason. laws or After coverage has been in effect for more 7 Real property taxes owing on the than 60 days or after the effective date of a insured property have been renewal of this policy no notice of N. 9 delinquent for two or more years and cancellation will be issued by us unless it is based on at least one of the following reasons 1 Nonpayment of premium continue delinquent at the time notice of cancellation is issued. IL 023704 12 Insurance Services Office Inc. 2011 Page 1 of 2 | 2 |
Farm Liability Coverage Form Liquor Liability Coverage Part Medical Professional Liability Coverage Part Pollution Liability Coverage Part and Products Completed Operations Liability Coverage Part 1. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 60 but not more than 120 days before the effective date of cancellation if we cancel for any other permissible reason. 2. The following Condition is added and supersedes any other condition to the contrary Nonrenewal a. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured at least 60 but not more than 120 days before the expiration date or the anniversary date if this is a policy written for a term of more than one year or with no fixed expiration date. b. Any notice of nonrenewal will be mailed or delivered to the first Named Insured at the last mailing address known to us. 2. The following Condition is added Nonrenewal If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured at least 30 days before the expiration date or the anniversary date if this is a policy written for a term of more than one year or with no fixed expiration date.. Any notice of nonrenewal will include the reasons for nonrenewal and will be mailed or delivered to the first Named Insured at the last mailing address known to us.. If notice is mailed proof of mailing will be sufficient proof of notice. 3. If Cancellation Changes CP 02 99 is attached to the Commercial Property Coverage Part Paragraph E.2. of that form is replaced by the following 2. Pay property taxes that are owing and have been outstanding for more than two years following the date due except that this provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. B. With respect to the Commercial General Liability Coverage Part Commercial Property Legal Liability Coverage Form Commercial Property Mortgageholders Errors And Omissions Coverage Form Employment Related Practices Liability Coverage Form Insurance Services Office Inc. 2011 Page 2 of 2 IL 023704 12 | 2 |
IL 02 76 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IOWA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is replaced by the following CANCELLATION 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliv ering to us advance written notice of cancella tion.. Cancellation Requirements a. We may cancel this policy by mailing or. If this policy has been in effect for 60 days or more or is a renewal of a policy we is sued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Misrepresentation or fraud made by or with your knowledge in obtaining the policy when renewing the policy or in presenting a claim under the policy delivering to the first Named Insured and 3 Acts or omssionsby you that SEbs any loss payee written notice of cancellation tlalydf hange or increase the risk in at least sured 1 30 days before the effective date of 4 Determmvanonby the Commlsgloner that cancellation if we cancel due to loss of the continuation of the policy would reinsurance coverage jeopardize our solvency or would place. us in violation of the insurance laws of 2 10 days before the effective date of this or any other state cancellation if we cancel for any other.. 5 You have acted in a manner which you reason. b. If this policy is a new policy and has been in effect for less than 60 days we may cancel for 1 Loss of reinsurance subject to d. below or 2 Any other reason. knew or should have known was in vio lation or breach of a policy term or con dition or 6 Loss of reinsurance subject to d. below.. We may cancel due to loss of reinsurance which provides coverage to us for a signifi ca nt portion of the underlying risk insured but only if the Commissioner determines that such cancellation is justified. IL 02 76 09 08 ISO Properties Inc. 2007 Page 1 of 2 m | 2 |
3. We will mail or deliver our notice to the first Named Insured s and any loss payee s last mailing address known to us. 4. Notice of cancellation will state a. The reason for cancellation and b. The effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed a post office department certificate of mailing is proof of receipt of no tice. However if cancellation is for nonpayment of premium a certificate of mailing is not re quired. B. The following is added and supersedes any other provision to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured and any loss payee at least 45 days before the expiration date of this policy except if a. We have offered to issue a renewal policy or b. You have failed to pay a premium due or any advance premium required by us for renewal. 2. If notice is mailed a post office department certificate of mailing is proof of receipt of no tice. Page 2 of 2 ISO Properties Inc. 2007 IL 0276 09 08 o | 2 |
IL 02770312 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LOUISIANA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART STANDARD PROPERTY POLICY A. Paragraph 2. of the Cancellation Common Policy b. Cancellation Of Renewal Policies And New Condition is replaced by the following which applies unless Paragraph B. of this endorsement applies 2. Notice Of Cancellation a. Cancellation Of Policies In Effect For Fewer Than 60 Days Which Are Not Renewals If this policy has been in effect for fewer than 60 days and is not a renewal of a policy we issued we may cancel this policy for any reason subject to the following 1 Cancellation for nonpayment of premium We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 10 days before the effective date of cancellation. Cancellation for any other reason We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least 60 days before the effective date of cancellation. 2 Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the policy continuing the policy or in presenting a claim under the policy Activities or omissions by you which change or increase any hazard insured against Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regulation legislation or court decision Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 3 4 5 b. Cancellation Of Renewal Policies And New Policies In Effect For 60 Days Or More If this policy has been in effect for 60 days or more or is a renewal of a policy we issued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation made by you or with your knowledge with the intent to deceive in obtaining the policy continuing the policy or in presenting a claim under the policy Activities or omissions by you which change or increase any hazard insured against Change in the risk which increases the risk of loss after we issued or renewed this policy including an increase in exposure due to regulation legislation or court decision Determination by the Commissioner of Insurance that the continuation of this policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 3 4 5 IL027703 12 Insurance Services Office Inc. 2011 Page 1 0of 3 m | 2 |
6 The insured s violation or breach of any policy terms or conditions or 7 Any other reasons that are approved by the Commissioner of Insurance. We will mail or deliver written notice of cancellation under Paragraph A.2.b. to the first Named Insured at least a 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs A.2.b.2 through 7 above. B. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following which applies with respect to premium payments due on new and renewal policies including installment payments 2. Notice Of Cancellation a. If your premium payment check or other negotiable instrument is returned to us or our agent or a premium finance company because it is uncollectible for any reason we may cancel the policy subject to Paragraphs B.2.b. and B.2.c. b. We may cancel the policy effective from the date the premium payment was due by sending you written notice by certified mail or by delivering such notice to you within 10 days of the date that we receive notice of the returned check or negotiable instrument. c. The cancellation notice will also advise you that the policy will be reinstated effective from the date the premium payment was due if you present to us a cashier s check or money order for the full amount of the returned check or other negotiable instrument within 10 days of the date that the cancellation notice was mailed. C. With respect to the Coverage Parts and Policies to which this endorsement applies except the Equipment Breakdown Coverage Part Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund If this policy is cancelled we will return any premium refund due subject to Paragraphs C.5.a C.5.b C.5.c C.5.d. C.5.e. and C.5.f. The cancellation will be effective even if we have not made or offered a refund. a. If we cancel the refund will be pro rata. b. If the first Named Insured cancels the refund will not be less than 90 of the pro rata unearned premium rounded to the next higher whole dollar. The refund will be returned within 30 days after the effective date of cancellation. c. We will send the refund to the first Named Insured unless Paragraph C.5.d. or C.5.e. applies. d. If we cancel based on Paragraph B.2. of this endorsement we will return the premium due if any within 10 days after the expiration of the 10 day period referred to in B.2 If the policy was financed by a premium finance company or if payment was advanced by the insurance agent we will send the return premium directly to such payor. e. With respect to any cancellation of the Commercial Auto Coverage Part we will send the return premium if any to the premium finance company if the premium was financed by such company. f. When return premium payment is sent to the premium finance company or the agent of the insured we will provide notice to you at the time of cancellation that a return of unearned premium may be generated by the cancellation. D. With respect to the Equipment Breakdown Coverage Part Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 5. Premium Refund If this policy is cancelled we will return any premium refund due subject to Paragraphs D.5.a. D.5.b. D.5.c. D.5.d. and D.5.e. The cancellation will be effective even if we have not made or offered a refund. a. If we cancel the refund will be pro rata. b. If the first Named Insured cancels the refund will not be less than 75 of the pro rata unearned premium rounded to the next higher whole dollar. The refund will be returned within 30 days after the effective date of cancellation. c. We will send the refund to the first Named Insured unless Paragraph D.5.d. applies. Page 2 of 3 Insurance Services Office Inc. 2011 IL 02770312 o | 2 |
d. If we cancel based on Paragraph B.2. of this endorsement we will return the premium due if any within 10 days after the expiration of the 10 day period referred to in B.2.c. If the policy was financed by a premium finance company or if payment was advanced by the insurance agent we will send the return premium directly to such payor. e. When return premium payment is sent to the premium finance company or the agent of the insured we will provide notice to you at the time of cancellation that a return of unearned premium may be generated by the cancellation. E. The Premiums Common Policy Condition is replaced by the following Premiums 1. The first Named Insured shown in the Declarations is responsible for the payment of all premiums. 2. We will pay return premiums if any to the first Named Insured unless another person or entity is entitled to be the payee in accordance with Paragraph C. or D. of this endorsement. F. Paragraph f. of the Mortgageholders Condition in the Commercial Property Coverage Part Standard Property Policy and the Capital Assets Program Output Policy Coverage Part and Paragraph 4.f. of the Mortgageholders Condition in the Farm Coverage Part are replaced by the following If we cancel a policy that has been in effect for fewer than 60 days and is not a renewal of a policy we issued we will give written notice to the mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 60 days before the effective date of cancellation if we cancel for any other reason. If we cancel a policy that has been in effect for 60 days or more or is a renewal of a policy we issued we will give written notice to the mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 1 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. G. The following is added and supersedes any other provision to the contrary Nonrenewal 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at least 60 days before its expiration date or its anniversary date if it is a policy written for a term of more than one year or with no fixed expiration date. 2. We need not mail or deliver this notice if a. We or another company within our insurance group have offered to issue a renewal policy or b. You have obtained replacement coverage or have agreed in writing to obtain replacement coverage. 3. Any notice of nonrenewal will be mailed or delivered to the first Named Insured mortgageholder pledgee or other known person shown in the policy to have an insurable interest in any loss at the last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. 4. Such notice to the insured shall include the insured s loss run information for the period the policy has been in force within but not to exceed the last three years of coverage. IL027703 12 Insurance Services Office Inc. 2011 Page 3 of 3 o | 2 |
IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was com puted based on rates in effect at the time the policy was issued. On each renewal continuation or anni versary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 ISO Properties Inc. 2007 Page 1 of 1 m | 2 |
RETROSPECTIVE PREMIUM ENDORSEMENT SHORT FORM The premium for this policy will be determined by the retrospective premium endorsement forming a part of policy number WC 3707385 13 IL 09 21 Ed. 04 84 Copyright Insurance Services Office Inc. 1984 Includes material of the National Council on Compensation Insurance Copyright 1984 used with its permission. Page 1 of 1 o | 2 |
Z4 ZURICH Notice to Indiana Policyholders Regarding Filing Complaints with the Department of Insurance Questions regarding your policy or coverage should be directed to Customer Inquiry Center Zurich North America 1400 American Lane Schaumburg IL 60196 800 382 2150 If you a need the assistance of the governmental agency that regulates insurance or b have a complaint you have been unable to resolve with your insurer you may contact the Department of Insurance by mail telephone or email State of Indiana Department of Insurance Consumer Services Division 311 West Washington Street Suite 300 Indianapolis Indiana 46204 Consumer Hotline 800 622 4461 317 232 2395 Complaints can be filed electronically at www.in.govidoi. U GU102C 0909 Page 1of 1 | 2 |
Z4 ZURICH Important Notice to Arkansas Policyholders Inquiries concerning your policy should be directed to your insurance agent if one is involved at the name address and telephone number shown on the policy andor in the material accompanying the policy. If you have additional questions you may contact Zurich North America Commercial at the following address and telephone number Customer Inquiry Center Zurich North America Commercial 1400 American Lane Schaumburg IL 60196 1 800 382 2150 If you require additional information you may contact the Arkansas Insurance Department at either the following address or phone number Arkansas Insurance Department 1200 West Third Street Little Rock Arkansas 72201 1904 Telephone 501 371 2640 or 800 852 5494 U GU108 C 1109 Page 1of 1 | 2 |
Z4 ZURICH Ilinois Consumer Complaint Notice This notice is to advise you that should any complaints arise concerning this insurance you may contact the following Consumer Inquiry Center Zurich North America 1400 American Lane Schaumburg IL 60196 1056 The address of the consumer complaint section of the lllinois Department of Insurance is Illinois Department of Insurance Consumer Division Springfield IL 62767 U GU123H 0709 Page 10f 1 | 2 |
Z4 ZURICH Commercial Property And Casualty Risk Management Plans Florida Florida Regulation 690 166.040 requires that we develop guidelines for risk management plans and make them available to our insureds. Guidelines for risk management plans are descriptive instructions and criteria for the establishment of risk management plans. The guidelines deal with one or more as pects of risk handling appropriate to one or more insureds. Within 60 days of your request Zurich Services Corporation will develop and provide you with guide lines for a risk management plan. Zurich Services Corporation can also work with you to design a risk management plan as needed. In addition to furnishing you with guidelines for risk management plans other services may be available to you that include e General Surveysare designed to assist you in analyzing and reducing loss exposures through a review of your operations products liability and the environment. e Special Surveys are similar to the General Surveys except they differ in scope and degree. They also are designed to assist your risk management efforts in areas of occupational health environmental property products and liability. e Seminars to provide training in safety management techniques and safety management coun seling services. o Workshops designed to train your managers and supervisors on the materials needed to train your employees. Maintaining a safe workplace is your non delegable obligation. Neither we nor Zurich Services Corpo ration undertakes to relieve you of that obligation. However Zurich Services Corporation and we may provide you with tools that may assist you to fulfill your obligations. If you would like to receive guidelines for a risk management plan please contact the Zurich Services Corporation Risk Engineering Manager. Bruce Radaker Risk Engineering Zurich Services Corporation 3003 Summit Blvd. Suite 1800 Atlanta GA 30319 404 851 3390 U GU279 E 0809 Page 1 of 1 | 2 |
Z4 ZURICH Important Notice Aviso Importante IMPORTANT NOTICE To obtain information or make a complaint You may call Zurich North America Customer Inquiry Center s toll free telephone number for information or to make a complaint at 1 800 382 2150 You may also write to Zurich at Customer Inquiry Center Zurich North America 1400 American Lane Schaumburg IL 60196 AVISO IMPORTANTE Para obtener informacio o para someter una queja Usted puede llamar al numero de telefono gratis de Zurich North America para informacion ol para someter una queja al 1 800 382 2150 Usted tambien puede escribir a Zurich a Customer Inquiry Center Zurich North America 1400 American Lane Schaumburg IL 60196 You may contact the Texas Department of Insurance to obtain information on companies coverages rights or complaints at Puede communicarse con el Departmento de Seguros de Texas para obtener informacion acerca de companias coberturas derechos o quejas al 1 800 252 3439 1 800 252 3439 You may write the Texas Department of Insurance at P. O. Box 149104 Austin TX 78714 9104 Fax 512 475 1771 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.state.tx.us PREMIUM OR CLAIM DISPUTES Should you have a dispute concerning your premium or about a claim you should contact the agent or the company 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. Puede escribir al Departmento de Seguros de Texas P. O. Box 149104 Austin TX 78714 9104 Fax 512 475 1771 Web httpwww.tdi.texas.gov E mail ConsumerProtectiontdi.state.tx.us DISPUTAS SOBRE PRIMAS O RECLAMOS Si tiene una disputa concerniente a su prima o a un reclamo debe communicarse con el agente o la compania primero. Si no se resuelve la disputa puede entonces communicarse con el departmento TDI. UNA ESTE AVISO A SU POLIZA Este aviso es solo para proposito de informacion y no se convierte en parte o condicion del documento adjunto. UGU296E 1111 Page 1 of 1 | 2 |
Z4 ZURICH Important Notice to Florida Policyholders In the event you need to contact someone about this policy for any reason please contact your agent. If you have additional questions you may contact the Zurich U.S. office at the following address and telephone number Customer Inquiry Center Zurich North America 1400 American Lane Schaumburg IL 60196 800 382 2150 If you have been unable to contact or obtain satisfaction from your agent or company you may contact the Florida Office of Insurance Regulation at Office of Insurance Regulation 200 East Gaines Street Tallahassee Florida 32399 850 413 3140 ATTACH THIS NOTICE TO YOUR POLICY This notice is for information only and does not become a part or condition of the attached document. UGU395 D 0709 Page 10f 1 | 2 |
Z4 ZURICH Important Notice to Policyholders In the event you need to contact someone about this policy for any reason please contact your agent. If you have additional ques tions you may contact Zurich North America Commercial at the following address and telephone number Customer Inquiry Center Zurich North America Commercial 1400 American Lane Schaumburg IL 60196 1 800 382 2150 Written correspondence is preferable so that a record of your inquiry may be maintained. When contacting your agent or this company please have your policy number available. UGU830A 0709 Page 1 of 1 | 2 |
Z4 ZURICH Notice to Wisconsin Policyholders Certificateholders KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE If you are having problems with your insurance company or agent do not hesitate to contact the insurance company or agent to resolve your problems. Zurich North America Customer Inquiry Center 1400 American Lane Schaumburg lllinois 60196 1056 1 800 382 2150 You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE a state agency which enforces Wisconsin s insurance laws and file a complaint. You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting Office of the Commissioner of Insurance Complaints Department P.O. Box 7873 Madison WI 53707 7873 1 800 236 8517 608 266 0103 UGU857 C 0709 Page 10f 1 | 2 |
Z ZURICH Important Notice Texas Safety Consultation Services Zurich in North America has loss control services available at no additional charge. If you would like additional information regarding these services please contact us or visit our website. If you would like to request services please complete the information on this form and mail it to the address listed below. Zurich Services Corporation Risk Engineering 1400 American Lane Schaumburg lllinois 60196 1056 1 800 982 5964 httpwww.zurichna.comriskengineering request additional safety and health services Company name Contact name Address City State Zip code Telephone number Policy number LC373.C TX 0112 Page 1 of 1 | 2 |
Z ZURICH Hlinois Civil Union Act Policyholder Notice On June 1 2011 Public Act 96 1513 the Religious Freedom Protection and Civil Union Act the Act became effective. Under the Act both same sex and opposite sex couples may enter into a civil union. A party to a civil union is entitled to the same legal obligations responsibilities protections and benefits as are afforded or recognized by the law of lllinois a spouse whether they derive from statute administrative rule common law or any other source of civil or criminal law. A marriage between persons of the same sex a civil union or a substantially similar legal relationship other than common law marriage legally entered into in another jurisdiction shall be legally recognized in lllinois as a civil union. CAUTION FEDERAL LAW RIGHTS MAY OR MAY NOT BE AVAILABLE llinois law grants parties to a civil union the same benefits protections and responsibilities that flow from marriage under state law. However some or all of the benefits protections and responsibilities related to health insurance that are available to married persons under federal law may not be available to parties to a civil union. For example the Employee Retirement Income Security Act of 1974 a federal law known as ERISA controls the employer employee relationship with regard to determining eligibility for enrollment in private employer health benefit plans. Because of ERISA Act 91 does not state requirements pertaining to a private employer s enrollment of a party to a civil union in an ERISA employee welfare benefit plan. However governmental employers not federal government are required to provide health benefits to the dependents of a party to a civil union if the public employer provides health benefits to the dependents of married persons. Federal law also controls group health insurance continuation rights under COBRA for employers with 20 or more employees as well as the Internal Revenue Code treatment of health insurance premiums. As a result parties to a civil union and their families may or may not have access to certain benefits under this policy contract certificate rider or endorsement that derive from federal law. You are advised to seek expert advice to determine your rights. U GU1110 B IL 1011 Page 1of | 2 |
Z ZURICH Resulting Damage To Your Work Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Addl. Prem THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following is added to Paragraph 1. Insuring Agreement of Section Coverage A Bodily Injury And Property Damage Liability Damages because of property damage include damages the insured becomes legally obligated to pay because of property damage to your work or caused by your work and shall be deemed to be caused by an occurrence regardless of whether the property damage arises from breach of contract. However with regard to property damage to your work included within the products completed operations hazard such property damage shall only be deemed to be caused by an occurrence if 1 The property damage is caused by work performed on your behalf by a subcontractors or 2 The damaged work was performed on your behalf by a subcontractors. Al other terms and conditions of this policy remain unchanged. UGL1344 C CW 0611 Page 10f 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z Or ZURICH Recording And Distribution Of Material Information In Violation Of Law Exclusion Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. Exclusion g. Recording And Distribution Of Material Or Information In Violation Of Law of 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 d. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. B. Exclusion p. Recording And Distribution Of Material Or Information In Violation Of Law of Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability is replaced by the following 2. Exclusions This insurance does not apply to p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury directly or indirectly arising out of or based upon any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transaction Act FACTA or UGL1517 B CW 0413 Page 1 0f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions or any other legal liability at common law or otherwise that addresses prohibits or limits the printing dissemination disposal monitoring collecting recording use of sending transmitting communicating or distribution of material or information. All other terms and conditions of this policy remain unchanged. UGL1517 B CW 0413 Page 2 of 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Broadened Named Insured Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part A. The following is added to Section Il Who Is An Insured 1. Any current organization of yours other than a partnership joint venture or limited liability company which is not shown in the Declarations will qualify as a Named insured if a. Such entity has been incorporated or organized prior to the effective date of this policy under the laws of the United States of America including its territories and possessions Puerto Rico or Canada and b. You maintain ownership or majority interest in such organization as of the effective date of this Coverage Part. Coverage is afforded only until the 1g0th day after inception of our policy or the end of the policy period whichever is earlier unless you notify and provide information to us before the end of this timeframe as to the nature and operations of such organization. With regard to any terminated partnership or joint venture not shown in the Declarations you are an insured as respects the products completed operations hazard only for bodily injury or property damage arising out of such terminated partnership or joint venture. The insurance provided by this provision will not inure to the benefit of any party except you. To the extent only that coverage is provided in Paragraph A.2. above for organizations not shown in the Declarations the last sentence under Section Il Who Is An Insured does not apply. B. Paragraph 3. of Section Il Who Is An Insured is replaced by the following 3. Any organization you newly acquire or form during the policy period other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest in such organization 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 1g0th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. C. Solely with respect to Paragraphs A. and B. of this endorsement the following is added to Paragraph b. Excess Insurance of Paragraph 4. Other Insurance under Section IV Commercial General Liability Conditions after Paragraphs ai through aiv b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis v Thatis or was purchased to insure UGL1518 A CW 0413 Page 10f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
aa Your participation in a partnership or joint venture which terminated or ended prior to the effective date of this policy or bb An organization not shown as a Named Insured at inception of our policy to the extent such organization is an insured as described in Paragraphs A. and B. of this endorsement. All other terms and conditions of this policy remain unchanged. UGL1518 A CW 0413 Page 20f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Z ZURICH Policyholder Notice General Liability Access Or Disclosure Of Confidential Or Personal Information Exclusions This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is a conflict between the Policy and this Notice THE PROVISIONS OF THE POLICY SHALL PREVAIL. Carefully read your policy including the endorsements attached to your policy. This Notice provides information concerning the following new endorsements which applies to your renewal policy being issued by us CG 21 06 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Under Coverage B Personal And Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. CG 21 07 05 14 Exclusion Access or Disclosure of Confidential or Personal Information and Data related Liability Limited Bodily Injury Exception Not Included For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Coverage is also excluded for damages because of bodily injury arising out of loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This is a reduction of coverage. Under Coverage B Personal and Advertising Injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction of coverage. CG 21 08 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information Coverage B Only For Use With The Commercial General Liability Coverage Part When this endorsement is attached to your policy coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction in coverage. U GL2110 A CW 0115 Page 10f 2 | 2 |
CG 04 37 05 14 Electronic Data Liability For Use With The Commercial General Liability Coverage Part With respect to damages arising out of any access to or disclosure of any person s or organization s confidential or personal information when this endorsement is attached to your policy Under Coverage A Bodily Injury And Property Damage Liability coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Under Coverage B Personal And Advertising injury Liability coverage is excluded for personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information. To the extent that any access or disclosure of confidential or personal information results in an oral or written publication that violates a person s right of privacy this may result in a reduction of coverage. CG 33 53 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability With Limited Bodily Injury Exception For Use With The Owners and Contractors Protective Liability Coverage Part and Products Completed Operations Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. CG 33 59 05 14 Exclusion Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Limited Bodily Injury Exception Not Included For Use With The Owners And Contractors Protective Liability and Products Completed Operations Liability Coverage Parts When this endorsement is attached to your policy coverage is excluded for damages arising out of any access to or disclosure of any person s or organization s confidential or personal information. This is a reinforcement of coverage intent. Coverage is also excluded for damages because of bodily injury arising out of loss loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This is a reduction of coverage. U GL2110 A CW 0115 Page 2of 2 | 2 |
Employee Benefits Liability Occurrence Coverage Form Z ZURICH This Coverage Form provides occurrence 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 Declara tions. The words we us and our refer to the Company providing this insurance. Other words and phrases that appear in quotes have special meaning. Refer to the Definitions Section. Section I. Coverage Employee Benefit Liability 1. 2. Insuring Agreement A. We will pay those sums that the insured becomes legally obligated to pay as damages because of any act error or omission of the insured in the ad ministration of the insured s employee benefit programs. We will have the right and duty to de fend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for any act error or omission for which this insurance does not apply. We may at our discretion investi gate any claim and settle any suit that may result but 1. The amount we pay for damages is limited as described in Section II. Limits of Insurance of this Coverage Part 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 un der this Employee Benefit Liability coverage. No other obligation or liability to pay sums or per form acts or services is covered unless explicitly provided for under Supplementary Payments of this Coverage Part. This only if surance applies to an act error or omi 1. The act error or omission takes place in the coverage territory 2. The insured had no knowledge of and could not have reasonably forescen any circum stances which might result in a claim or suit and 3. The act error or omi policy period. on occurs during the Exclusions This insurance does not apply to any G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation. Any claim or suit arising out of an insurer s or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured.. Any claim or suit arising out of an Insured s liability as a fiduciary under G. Bodily injury property damage or personal and advertising injury Any claim or suit arising out of any dishon est fraudulent criminal or malicious act Any claim or suit arising out of discrimina tion or humiliation Any claim or suit arising out of an insure or other provider s failure to perform its con tract Any claim or suit arising out of your failure to comply with any workers compensation un employment insurance social security or dis ability benefits law Any claim or suit arising out of the failure of any of your employee benefit plans to meet obligations due to insufficient funds Any claim or suit arising out of a. Advice given to any person to participate or not participate in a plan or program in cluded in employee benefit programs b. The appointment of or failure to appoint any investment manager administrator trustee actuary advisor counsel account ant custodian or consultant. Any investment activity including the man agement administration or disposition of assets of your employee benefit pro grams or d. Failure of any investment to perform as represented by any insured. Any claim or suit arising out of an Insured s liability as a fiduciary under U GL851 B CW 604 Page 10f4 | 2 |
a. The Employee Retirement Income Secu rity Act of 1974 PL93 406 and its amendments or b. The Internal Revenue Code of 1986 in cluding the Internal Revenue Code of 1954 and its amendments. Supple mentary Payments We will pay in addition to the applicable Limits of Insurance with respect to any claim we investigate or settle or suit we defend A. All expenses incurred by us all costs taxed against the insured in any suit defended by us and all interest on the full amount of any judgment which accrues after entry of the judg ment and before we have paid or tendered or deposited in court that part of the judgment which does not exceed the limit of our liability. B. Premiums on appeal bonds required and on bonds to release attachments in any suit. We do not have to furnish these bonds. C. All reasonable expenses incurred by the in sured at our request to assist us in the investi gation or defense of the claim or suit includ ing actual loss of earnings up to 250 a day be cause of time off from work. D. Prejudgment interest awarded against the in sured 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 in terest based on that period of time after the of fer. II. Limits of Insurance A. The Limits of Insurance shown in the Declarations and the rules below establish the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought or 3 Employees or dependents or beneficiaries of employees making claims or bringing suits. The Aggregate Limit is the most we will pay for all damages because of all claims or suits arising from the administration of your employee benefit programs during the policy period. Subject to the Aggregate Limit provisions in B. above the Each Act Error or Omission Limit is the most we will pay for all damages sustained by any one employee including the employee s de pendents and beneficiaries because of acts errors or omissions committed in the administration of your employee benefit programs.. The limits of this Coverage Part apply separately to each consecutive annual period and to any remain ing period of less than 12 months starting with the beginning of the policy period shown in the Decla rations unless the policy period is extended after is suance 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 pur poses of determining the Limits of Insurance. IL Conditions A. Bankruptcy Bankruptey or insolvency of the insured or the in sured s estate will not relieve us of our obligations. Duties in the Event of an Act Error Omission Claim or Suit 1 Regardless of whether the loss exceeds any ap plicable deductible amount you mus that we are notified as soon as practicable of any act error or omission which may result in a claim. To the extent possible notice should include a. How when and where the act error or omission took place b. The names and addresses of any injured employee dependents or beneficiaries of any employee and witnes 2 If a claim is received by any insured you must a. Immediately record the specifics of the claim and the date received and b Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. 3 You and any other involved insured must a. Immediately send us copies of any de mands notices summonses or legal papers received in connection with the claim or suit b. Authorize us to obtain records and other information. Cooperate with us in the investigation set tlement or defense of the claim or suit and d. 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 in surance may also apply. No insureds will except at their own cost. vol untarily make a payment assume any obliga tion or incur any expense without our consent. C. Legal Action Against Us U GL851 B CW 604 Page 20f 4 | 2 |
No person or organization has a right 1 To join us as a party or otherwise bring us into a suit asking for damages from an insured or 2 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 obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Other Insurance 1 This Coverage Part is primary insurance ex cept when stated to apply in excess of or con tingent upon the absence of other insurance. When this insurance is primary and the insured has other insurance which applies to the loss on an exci or contingent basis the amount of our liability under this Coverage Part shall not be reduced because of such other insurance. 2 When both this insurance and other insurance apply to the loss on the same basis whether primary excess or contingent we shall not be liable for a greater proportion of the loss than that stated in the applicable contribution provi sion below a. Contribution by Equal Shares If all of the other insurance permits contri bution 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. b. Contribution by Limits If any of the other insurance does not per mit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insur ers. E. 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 in surance applies 1 As if each Named Insured were Named Insured and the only 2 Separately to each insured against whom claim is made or suit is brought. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The 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. 1V. Definitions A. B. C. D. E. F. 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 1 Notices that are published include material placed on the Internet or on similar electronic means of communication and 2 Regarding web sites only that part of a web site that is about your goods products or ser vices for the purposes of attracting customers or supporters is considered an advertise ment. Administration means 1 Counseling employees including their de pendents and beneficiaries with respect to employee benefit programs 2 Handling records in connection with employee benefit programs or 3 Effecting or terminating an employee s par ticipation in a plan included in employee benefit programs. Bodily injury means bodily injury sickness or dis ease sustained by a person including death result ing from any of these at any time. Coverage territory means 1 The United States of America including its territories and possessions Puerto Rico and Canada or 2 All parts of the world if the insured s respon sibility to pay damages is determined in a suit on the merits in the territory described in D. 1 above or in a settlement to which we agree. Employee means Your officers and employees whether actively em ployed disabled or retired. Employee benefit programs mean Group life insurance group accident or health in surance profit sharing plans pension plans em ployee stock subscription plans workers compensa tion une mployment insurance salary continuation U GL851 B CW 604 Page 3of 4 | 2 |
G. plans social security disability benefits insurance avings plans vacation plans or any other simil plans or programs. Insured means You and any of your partners executive officers di rectors members stockholders or employees pro vided such employee is authorized to act in the administration of your employee benefit pro grams. Personal and advertising injury means Injury including consequential bodily injury aris ing out of one or more of the following offens 1 False arrest detention or imprisonment 2 Malicious prosecution 3 The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person oc cupies by or on behalf of its owner landlord or lessor 4 Oral or written publication in any manner of material that slanders or libels a person or or ganization or disparages a person s or organi zation s goods products or services or 5 Oral or written publication in any manner of material that violates a person s right of pri vacy 6 The use of another s advertising idea in your advertisement or 7 Infringing upon another s copyright trade dress or slogan in your advertisement. Property damage means 1 Physical injury to tangible property including all resulting loss of use of that property. 2 Loss of use of tangible property that is not physically injured. For the purposes of this insurance electronic data is not tangible property. As used in this definition electronic data means in formation facts or programs stored as or on cre ated or used on or transmitted to or from computer software including systems and applications soft ware hard or floppy disks CD ROMS tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. Suit means A civil proceeding in which damages to which this insurance applies is alleged. Suit includes 1 An arbitration proceeding in which such dam ages are claimed and to which you must submit or do submit with our consent or 2 Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which you submit with our consent. U GL851 B CW 604 Page dof 4 | 2 |
Fellow Employee Coverage Endorsement THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part 1. Itis agreed that paragraph 2. a. 1 of SECTION II WHO IS AN INSURED is deleted and replaced by the following 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company b For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1 a above or Arising out of his or her providing or failing to provide professional health care services. U GL915 C CW 804 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Silica or Silica Mixed Dust Exclusion EIf. Date of Pol. Exp. Date of Pol. Eff. Date of End. AddL Prem THIS END ORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part Products Completed Operations Liability Coverage Part The following additional exclusion is added to 2. Exclusions of Section I. Coverages 2. Exclusions This insurance does not apply to Silica or Silica Mixed Dust A. Bodily injury property damage or personal and advertising injury caused directly or indirectly in whole or in part by the actual alleged or threatened inhalation ingestion absorption exposure to existence of or presence of silica or Loss costs or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any manner responding to or assessing the effects of sil ica by any insured or by any other person or entity. For the purposes of this exclusion the following definition applies Silica means 1 Any form of crystalline or non crystalline amorphous silica silica particles ica mixed or combined with dust or other particles or silica compounds silica dust or sil 2 Synthetic silica including precipitated silica silica gel pyrogenic or fumed silica or silica flour. U GL923 B CW 604 Page Lof Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
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