text stringlengths 1 8.07k | labels int64 0 2 |
|---|---|
Policy Number CPP850079A Nationwide SCHEDULE OF TAXES SURCHARGES OR FEES NATIONWIDE AGRIBUSINESS INSURANCE COMPANY Named Insured THE SCOULAR COMPANY Effective Date 05 31 21 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 90265 CO DEC cont. TAXES SURCHARGES DETAILED BREAKDOWN CO AUTO THEFT PREVENTION ASSESSMENT TOTAL TAXES SURCHARGES TAX FORM 0197 CPP850079A CHEDULE OF TAXES SURCHARGES OR FEES IDE AGRIBUSINESS INSURANCE COMPANY T T T T Ty Effartiva Nata e a4 A TAXES SURCHARGES DETAILED BREAKDOWN CO AUTO THEFT PREVENTION ASSESSMENT 5.00 TOTAL TAXES SURCHARGES 5.00 Insured Copy | 2 |
IL01231113 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WASHINGTON 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 MORTGAGEHOLDER S ERRORS AND OMISSIONS COVERAGE FORM ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART. The provisions of Paragraph B. are added to all Insuring Agreements that set forth a duty to defend under 1. Section of the Commercial General Liability Commercial Liability Umbrella Electronic Data Liability Farm Liquor Liability Owners And Contractors Protective Liability Pollution Liability Products Completed Operations Liability Product Withdrawal Medical Professional Liability Railroad Protective Liability and Underground Storage Tank Coverage Parts Auto Dealers Coverage Form and the Farm Umbrella Liability Policy 2. Section Il under the Auto Dealers Business Auto and Motor Carrier Coverage Forms 3. Section Il under the Auto Dealers and Motor Carrier Coverage Forms 4. Section A. Coverage under the Legal Liability Coverage Form and 5. Coverage C Mortgageholder s Liability under the Mortgageholder s Errors And Omissions Coverage Form. Paragraph B. also applies to any other provision in the policy that sets forth a duty to defend.. If we initially defend an insured insured or pay for an insured s insured s defense but later determine that none of the claims claims for which we provided a defense or defense costs are covered under this insurance we have the right to reimbursement for the defense costs we have incurred. The right to reimbursement under this provision will only apply to the costs we have incurred after we notify you in writing that there may not be coverage and that we are reserving our rights to terminate the defense or the payment of defense costs and to seek reimbursement for defense costs. IL01231113 Insurance Services Office Inc. 2013 Insured Copy Page 1 of 1 | 2 |
IL01251113 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CIVIL UNION COMMERCIAL AUTOMOBILE COVERAGE PART This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The term spouse is replaced by the following Spouse or party to a civil union recognized under Colorado law.. Under the Commercial Automobile Coverage Part the term family member is replaced by the following and supersedes any other provisions to the contrary Family member means a person related to 1. The individual Named Insured by blood adoption marriage or civil union recognized under Colorado law who is a resident of such Named Insured s household including a ward or foster child 2. The individual named in the Schedule by blood adoption marriage or civil union recognized under Colorado law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individuals endorsement is attached. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recognized under Colorado law who is a resident of your household including a ward or foster child. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recognized under Colorado law who is a resident of your household including a ward or foster child. IL01251113 Insurance Services Office Inc. 2013 Insured Copy Page 1 of 1 | 2 |
IL 01470911 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following C. With respect to c Spouse or party to a civil union recognized under maintenance or us IIIos law. party i gnized u under the Commerc Part the term fami following Family member me B. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person related to the blood adoption 1. Individual Named Insured by blood adoption recognized under l marriage or civil union recognized under lllinois your household incl law who is a resident of such Named Insured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized under lllinois law who is a resident of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership maintenance or use of covered autos provided under the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recognized under lllinois law who is a resident of your household including a ward or foster child. Insurance Services Office Inc. 2011 Insured Copy Page 1 of 1 IL 014709 11 | 2 |
IL01621013 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 PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART. The provisions of Paragraph B. are added to all Insuring Agreements that set forth a duty to defend under 1. Section I of the Commercial General Liability Commercial Liability Umbrella Employment related Practices Liability Farm Liquor Liability Owners And Contractors Protective Liability Pollution Liability Products Completed Operations Liability Product Withdrawal Medical Professional Liability Railroad Protective Liability Underground Storage Tank Coverage Parts Auto Dealers Coverage Form and the Farm Umbrella Liability Policy 2. Section Il under the Auto Dealers Business Auto and Motor Carrier Coverage Forms 3. Section Ill under the Auto Dealers and Motor Carrier Coverage Forms 4. Section A. Coverage under the Legal Liability Coverage Form and 5. Coverage C Mortgageholder s Liability under the Mortgageholders Errors And Omissions Coverage Form. Paragraph B. also applies to any other provision in the policy that sets forth a duty to defend. B. If we initially defend an insured insured or pay for an insured s insured s defense but later determine that the claims is are not covered under this insurance we will have the right to reimbursement for the defense costs we have incurred. The right to reimbursement for the defense costs under this provision will only apply to defense costs we have incurred after we notify you in writing that there may not be coverage and that we are reserving our rights to terminate the defense and seek reimbursement for defense costs. IL01621013 Insurance Services Office Inc. 2013 Insured Copy Page 1 of 1 | 2 |
IL 0017 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 vators. Premiums The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Wil 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. Pagelofl O IL 0017 11 98 Copyright Insurance Services Office Inc. 1998 Insured Copy | 2 |
IL 00 21 05 02 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 PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under 2 the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association 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 Mutual Atomic Energy Liability Underwrit 2 The nuclear material is contained in spent ers Nuclear Insurance Association of Can fuel or waste at any time possessed han ada or any of their successors or would be dled used processed stored transported an insured under any such policy but for its or disposed of by or on behalf of an in termination upon exhaustion of its limit of li ability or 3 The bodily injury or property damage 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 suredis 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 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. 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 prop erty 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. 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 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 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 prop erty 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. ISO Properties Inc. 2001 Page 1 of 2 o IL 00 21 05 02 Insured Copy | 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 plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the proc essing fabricating or alloying of special nu clear material if at any time the total amount of such material in the custody of the 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 dis posal 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. 2001 IL 00 21 05 02 o Insured Copy | 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 Insured Copy Page 1 of 1 | 2 |
IL 0146 08 10 WASHINGTON COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. The conditions in this endorsement replace any similar conditions in the policy that are less favorable to the insured. A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by notifying us or the insurance producer in one of the following ways a. Written notice by mail fax or e mail b. Surrender of the policy or binder or c. Verbal notice. Upon receipt of such notice we will cancel this policy or any binder issued as evidence of coverage effective on the later of the following a. The date on which notice is received or the policy or binder is surrendered or b. The date of cancellation requested by the first Named Insured. 2. We may cancel this policy by mailing or delivering to the first Named Insured and the first Named Insured s agent or broker written notice of cancellation including the actual reason for the cancellation to the last mailing address known to us at least a. 10 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 except as provided in Paragraphs 3. and 4. below. 3. We may cancel the Commercial Property Coverage Part and the Capital Assets Program Output Policy Coverage Part if made a part of this policy by mailing or delivering to the first Named Insured and the first Named Insured s agent or broker written notice of cancellation at least five days before the effective date of cancellation for any structure where two or more of the following conditions exist a. Without reasonable explanation the structure is unoccupied for more than 60 consecutive days or at least 65 of the rental units are unoccupied for more than 120 consecutive days unless the structure is maintained for seasonal occupancy or is under construction or repair b. Without reasonable explanation progress toward completion of permanent repairs to the structure has not occurred within 60 days after receipt of funds following satisfactory adjustment or adjudication of loss resulting from a fire c. Because of its physical condition the structure is in danger of collapse d. Because of its physical condition a vacation or demoliton order has been issued for the structure or it has been declared unsafe in accordance with applicable law e. Fixed and salvageable items have been removed from the structure indicating an intent to vacate the structure f. Without reasonable explanation heat water sewer and electricity are not furnished for the structure for 60 consecutive days or g. The structure is not maintained in substantial compliance with fire safety and building codes. Insurance Services Office Inc. 2010 Insured Copy Page 1 of 4 m IL 0146 08 10 | 2 |
a. You are an individual b. A covered auto you own is of the private passenger type and c. The policy does not cover garage automobile sales agency repair shop service station or public parking place operations hazards we may cancel the Commercial Automobile Coverage Part by mailing or delivering to the first Named Insured and the first Named Insured s agent or broker written notice of cancellation including the actual reason for cancellation to the last mailing address known to us a. At least 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. At least 10 days before the effective date of cancellation for any other reason if the policy is in effect less than 30 days or c. At least 20 days before the effective date of cancellation for other than nonpayment if the policy is in effect 30 days or more or d. At least 20 days before the effective date of cancellation if the policy is in effect for 60 days or more or is a renewal or continuation policy and the reason for cancellation is that your driver s license or that of any driver who customarily uses a covered auto has been suspended or revoked during policy period.. We will also mail or deliver to any mortgage holder pledgee or other person shown in this policy to have an interest in any loss which may occur under this policy at their last mailing address known to us written notice of cancellation prior to the effective date of cancellation. If cancellation is for reasons other than those contained in Paragraph A.3. above this notice will be the same as that mailed or delivered to the first Named Insured. If cancellation is for a reason contained in Paragraph A.3. above we will mail or deliver this notice at least 20 days prior to the effective date of cancellation.. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 7. 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 will be at least 90 of the pro rata refund unless the following applies a. For Division Two Equipment Breakdown if the first Named Insured cancels the refund will be at least 75 of the pro rata refund. b. If 1 You are an individual 2 A covered auto you own is of the private passenger type 3 The policy does not cover garage automobile sales agency repair shop service station or public parking place operations hazards and 4 The first Named Insured cancels the refund will be not less than 90 of any unearned portion not exceeding 100 plus 95 of any unearned portion over 100 but not exceeding 500 and not less than 97 of any unearned portion in excess of 500. The cancellation will be effective even if we have not made or offered a refund. 8. If notice is mailed proof of mailing will be sufficient proof of notice. B. Changes The 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. C. 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. D. Inspection And Surveys 1. We have the right to a. Make inspections and surveys at any time b. Give you reports on the conditions we find and c. Recommend changes. Page 2 of 4 Insurance Services Office Inc. 2010 Insured Copy IL 0146 08 10 o | 2 |
G. Nonrenewal 1. We may elect not to renew this policy by mailing or delivering written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured and the first Named Insured s agent or broker at their last mailing addresses known to us. We will also mail to any mortgage holder pledgee or other person shown in this policy to have an interest in any loss which may occur under this policy at their last mailing address known to us written notice of nonrenewal. We will mail or deliver these notices at least 45 days before the a. Expiration of the policy or b. Anniversary date of this policy if this policy has been written for a term of more than one year. Otherwise we will renew this policy unless a. The first Named Insured fails to pay the renewal premium after we have expressed our willingness to renew including a statement of the renewal premium to the first Named Insured and the first Named Insured s insurance agent or broker at least 20 days before the expiration date b. Other coverage acceptable to the insured has been procured prior to the expiration date of the policy or c. The policy clearly states that it is not renewable and is for a specific line subclassification or type of coverage that is not offered on a renewable basis. a. You are an individual b. A covered auto you own is of the private passenger type and c. The policy does not cover garage automobile sales agency repair shop service station or public parking place operations hazards 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommendations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or elevators. E. Premiums The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual Named Insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Insurance Services Office Inc. 2010 Insured Copy Page 3 of 4 o IL 0146 08 10 | 2 |
the following applies to nonrenewal of the Commercial Automobile Coverage Part in place of G.1. a. We may elect not to renew or continue this policy by mailing or delivering to you and your agent or broker written notice at least 20 days before the end of the policy period including the actual reason for nonrenewal. If the policy period is more than one year we will have the right not to renew or continue it only at an anniversary of its original effective date. If we offer to renew or continue and you do not accept this policy will terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. b. We will not refuse to renew Liability Coverage or Collision Coverage solely because an insured has submitted claims under Comprehensive Coverage or Towing And Labor Coverage. c. If we fail to mail or deliver proper notice of nonrenewal and you obtain other insurance this policy will end on the effective date of that insurance. Page 4 of 4 Insurance Services Office Inc. 2010 Insured Copy IL 0146 08 10 o | 2 |
IL 016509 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA CHANGES EXAMINATION OF YOUR BOOKS AND RECORDS This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The Examination Of Your Books And Records Com 2. Any audit conducted to determine the premium mon Policy Condition is replaced by the following due or to be refunded must be completed EXAMINATION OF YOUR BOOKS AND within 180 days after RECORDS a. The expiration date of the policy or 1. Except as provided in 2. below we may exam b. The anniversary date if this is a continuous ine and audit your books and records as they policy or a policy written for a term longer relate to this policy at any time during the pol than one year icy period and up to three years afterward. unless you agree in writing to extend the audit period. ISO Properties Inc. 2007 Insured Copy Page 1 of 1 m IL 016509 08 | 2 |
IL01671013 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES CONFORMITY WITH STATUTES This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART A. The following condition is added 2. We will provide the minimum amounts and Conformity with Montana statutes. The provisions of this policy or Coverage Part conform to the minimum requirements of Montana law and control over any conflicting statutes of any state in which you reside on or after the effective date of this policy or Coverage Part. However with respect to insurance provided under the Commercial Automobile Coverage Part while a covered auto is away from Montana 1. We will increase the Limit of Insurance for Covered Autos Liability Coverage to meet the limits specified by a compulsory or financial responsibility law of the jurisdiction where the covered auto is being used. This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property. types of other coverages such as no fault required of out of state vehicles by the jurisdiction where the covered auto is being used. 3. No one will be entitled to duplicate payments for the same elements of loss. B. Any provision of this policy or Coverage Part including endorsements which modify the policy or Coverage Part that does not conform to the minimum requirements of a Montana statute is amended to conform to such statute. IL01671013 Insurance Services Office Inc. 2013 Insured Copy Page 1 of 1 | 2 |
IL 01 69 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CONCEALMENT MISREPRESENTATION OR FRAUD This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM PROPERTY OTHER FARM PROVISIONS FORM ADDITIONAL COVERAGES CONDITIONS DEFINITIONS FARM COVERAGE PART LIVESTOCK COVERAGE FORM FARM COVERAGE PART MOBILE AGRICULTURAL MACHINERY AND EQUIPMENT COVERAGE FORM The CONCEALMENT MISREPRESENTATION OR FRAUD Condition is replaced by the following CONCEALMENT MISREPRESENTATION OR FRAUD We will not pay for any loss or damage in any case of 1. Concealment or misrepresentation of a material fact or 2. Fraud committed by you or any other insured insured at any time and relating to coverage under this policy. ISO Properties Inc. 2006 Insured Copy Page 1 of 1 m IL 01 69 09 07 | 2 |
IL 0198 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 COMMERCIAL LIABILITY UMBRELLA 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 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 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 suredis 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 organi zation. 2 B. Under any Medical Payments Coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on 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 torles or possessions or Canada this Ex AN b ol b Mo bt s ol en 2 3 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. 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 prop erty thereat. 3 ISO Properties Inc. 2007 Insured Copy Page 10f 2 m IL 0198 09 08 | 2 |
2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties Nuclear material means source materi nuclear material or by product material Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reacto Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentration of ura nium 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 para graphs of the definition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plu tonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Special Any equipment or device used for the process ing 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 Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fission able material Property damage includes all forms of radioactive contamination of property. d Page 2 of 2 ISO Properties Inc. 2007 Insured Copy IL 0198 09 08 o | 2 |
IL 02 04 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IDAHO 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 LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART b. More Than 60 Days If this policy has been in effect for more than 60 days or is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 Fraud or material misrepresentation. made by you or with your knowledge in 2. Policies In Effect obtaining the policy continuing the pol a. 60 Days Or Less icy or in presenting a claim under the If this policy has been in effect for 60 days policy A. Paragraphs 1. and 2. of the Cancellation Common Policy Condition are replaced by the following 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 will be effective on the later of the date requested by the first Named Insured or the date we receive the request. or less we may cancel this policy by mailing 3 Acts or omissions on your part which or delivering to the first Named Insured writ increase any hazard insured against ten notice of cancellation at least 4 Change in the risk which materially 1 10 days before the effective date of increases the risk of loss after the policy cancellation if we cancel for nonpayment has been issued or renewed including of premium. If delivered via United but not limited to an increase in expo States mail the 10 day notification pe sure due to regulation legislation or riod begins to run five days following the court decision date of postmark or 5 Loss of or decrease in reinsurance 2 30 days before the effective date of cancellation if we cancel for any other reason. which provided us with coverage for all or part of the risk insured ISO Properties Inc. 2007 Insured Copy Page 10f 2 m IL 02 04 09 08 | 2 |
6 A determination by the Director of Insur ance that continuation of this policy would jeopardize our solvency or place us in violation of the insurance laws of Idaho or any other state or 7 Violation or breach by the insured of any policy terms or conditions other than nonpayment of premium. We will mail or deliver written notice of cancella tion to the first Named Insured at least a 10 days before the effective date of cancellation if we cancel for nonpay ment of premium. If delivered via United States mail the 10 day notifi cation period begins to run five days following the date of postmark or b 30 days before the effective date of cancellation if we cancel for any other reason stated in 2.b. above. B. The following Condition is added and supersedes any provision to the contrary NONRENEWAL 1. If we elect not to renew this policy we will mail or deliver to the first Named Insured a written notice of intention not to renew at least 45 days prior to the expiration or anniversary date of the policy. 2. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 3. If notice is not mailed or delivered at least 45 days before the expiration or anniversary date of this policy this policy will remain in effect until 45 days after notice is mailed or delivered. Earned premium for the extended period of coverage will be calculated pro rata at the rates applicable to the expiring policy. 4. We need not mail or deliver this notice if a. We have offered to renew this policy b. You have obtained replacement coverage or c. You have agreed in writing to obtain re placement coverage. 5. If notice is mailed proof of mailing will be suffi cient proof of notice. C. The following Condition is added PREMIUM OR COVERAGE CHANGES AT RENEWAL 1. If we elect to renew this policy we will mail or deliver written notice of any total premium in crease greater than ten percent 10 which is the result of a comparable increase in premium rates change in deductible reduction in limits or reduction in coverage to the first Named In sured at the last mailing address known to us. 2. Any such notice will be mailed or delivered to the first Named Insured at least 30 days before the expiration or anniversary date of the policy. 3. If notice is not mailed or delivered at least 30 days before the expiration or anniversary date of the policy the premium deductible limits and coverage in effect prior to the changes will remain in effect until the earlier of the following a. 30 days after notice is given or b. The effective date of replacement coverage obtained by the first Named Insured. 4. If the first Named Insured accepts the renewal the premium increase if any and other changes will be effective on and after the first day of the renewal term. 5. If the first Named Insured elects not to renew any earned premium for the resulting extended period of coverage will be calculated pro rata at the lower of the new rates or rates applicable to the expiring policy. 6. If notice is mailed proof of mailing will be suffi cient proof of notice. Page 2 of 2 ISO Properties Inc. 2007 Insured Copy IL 02 04 09 08 o | 2 |
IL 02 28 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLORADO CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. If this policy has been in effect for less than 60 days 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 cancella tion if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancella tion if we cancel for any other reason. B. The following is added to the Cancellation Com mon Policy Condition 7. Cancellation Of Policies In Effect For 60 Days Or More a. 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 this policy by mailing through first class mail to the first Named Insured written notice of cancellation 1 Including the actual reason at least 10 days before the effective date of cancel lation if we cancel for nonpayment of premium or 2 At least 45 days before the effective date of cancellation if we cancel for any other reason. We may only cancel this policy based on one or more of the following reasons 1 Nonpayment of premium 2 A false statement knowingly made by the insured on the application for insurance or 3 A substantial change in the exposure or risk other than that indicated in the ap plication and underwritten as of the ef fective date of the policy unless the first Named Insured has notified us of the change and we accept such change. C. The following is added and supersedes any other provision to the contrary NONRENEWAL If we decide not to renew this policy we will mail through first class mail to the first Named Insured shown in the Declarations written notice of the nonrenewal at least 45 days before the 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. If notice is mailed proof of mailing will be sufficient proof of notice. ISO Properties Inc. 2006 Insured Copy Page 1 of 2 m IL 02 28 09 07 | 2 |
D. The following condition is added INCREASE IN PREMIUM OR DECREASE IN COVERAGE We will not increase the premium unilaterally or decrease the coverage benefits on renewal of this policy unless we mail through first class mail writ ten notice of our intention including the actual rea son to the first Named Insured s last mailing ad dress known to us at least 45 days before the ef fective date. Any decrease in coverage during the policy term must be based on one or more of the following reasons 1. Nonpayment of premium 2. A false statement knowingly made by the in sured on the application for insurance or 3. A substantial change in the exposure or risk other than that indicated in the application and underwritten as of the effective date of the pol icy unless the first Named Insured has notified us of the change and we accept such change. If notice is mailed proof of mailing will be sufficient proof of notice. Page 2 of 2 ISO Properties Inc. 2006 Insured Copy IL 02 28 09 07 o | 2 |
IL023409 17 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. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by Paragraphs 2. and 3. below except to the extent that Item B. of this endorsement applies. 2. Policies In Effect a. For Less Than 90 Days If this policy has been in effect for less than 90 days we may cancel the policy for any reason by mailing to the first Named Insured and agent if any written notice of cancellation at least 1 10 days before the effective date of cancellation or 2 Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement. b. 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 cancel 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 knowledge in obtaining the policy or in pursuing a claim under the policy 3 The insured s actions that have 4 5 6 substantially increased or substantially changed the risk insured The insured s refusal to eliminate known conditions that increase the potential for loss after our notification that the condition must be removed Substantial change in the risk assumed except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing the contract Loss of reinsurance which provided us with coverage for a significant amount of the underlying risk insured A determination by the insurance commissioner 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 payment of dues is a prerequisite to obtaining or continuing such insurance. Cancellation 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 0234 09 17 Insurance Services Office Inc. 2017 Insured Copy Page 1 of 3 | 2 |
9 A violation of any local fire health safety building or construction regulation or ordinance with respect to Covered 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 cancellaton for nonpayment of premium or c 30 days before the effective date of cancellation for any reason stated in Paragraphs 2.b.2 through 9 above. However for policies with terms longer than one year or continuous policies notice of cancellation 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 cancellation 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. B. 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 covered 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 following satisfactory adjustment of loss. 4. Buildings that have been unoccupied 60 or more consecutive days except buildings that have a seasonal occupancy and buildings actually in the course of construction or repair and reconstruction which are properly secured against unauthorized entry. 5. Buildings that are in danger of collapse because of serious structural conditions or those buildings subject to extremely hazardous conditions 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 vacate or an outstanding demolition order or which have been declared unsafe in accordance 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 knowledge 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 accordance with applicable law. d. Failure to pay property taxes for more than one year. 10. Buildings that have characteristics of ownership condition occupancy or maintenance which are violative of law or public policy. C. The following is added and supersedes any provision 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 professional liability coverage for legal and medical services. Page 2 0f 3 Insurance Services Office Inc. 2017 Insured Copy IL02340917 | 2 |
The notice of nonrenewal will state our reason for nonrenewal.. 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 need not mail or deliver this notice if you have a. Insured elsewhere b. Accepted replacement coverage or c. Requested or agreed to nonrenewal. This Paragraph 3. does not apply to the Commercial Automobile Farm and Commercial Property Coverage Parts when you accept replacement coverage providing equal or more extensive coverage. IL 0234 09 17 Insurance Services Office Inc. 2017 Insured Copy Page 3 of 3 | 2 |
IL 0243 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MONTANA CHANGES This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY 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 POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. With respect to other than the Farm Property Farm Dwellings Appurtenant Structures And Household Personal Property Coverage Form Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2. Cancellation Of Policies a. Midterm Cancellation We may cancel this policy based on the provisions below by mailing or delivering written notice to the first Named Insured at least 10 days before the effective date of cancellation 1 If this policy has been in effect for less than 60 days except as provided in Paragraph 2.a.3 below we may cancel for any reason. If this policy has been in effect for 60 days or more we may cancel this policy prior to the expiration of the agreed term or prior to one year from the effective date of the policy or renewal whichever is less only for one or more of the fol lowing reasons a Failure to pay a premium when due b Material misrepresentation c Substantial change in the risk as sumed except to the extent that we should reasonably have foreseen the change or contemplated the risk in writing the contract 2 d Substantial breaches of contractual duties conditions or warranties e Determination by the Commissioner of Insurance that continuation of the policy would place us in violation of the Montana Insurance Code f Financial impairment of us or g Such other reasons that are ap proved by the Commissioner of In surance. 3 If this policy has been issued for a term longer than one year and if either the premium is prepaid or an agreed term is guaranteed for additional premium con sideration we may cancel this policy only for one or more of the reasons stated in Paragraph 2.a.2 above.. Anniversary Cancellation We may cancel any policy with a term of more than one year by mailing or delivering to the first Named Insured written notice of cancellation at least 45 days before the an niversary date of the policy. Such cancella tion will be effective on the policy s anniver sary date. ISO Properties Inc. 2006 Insured Copy Page 1 of 2 m IL 0243 09 07 | 2 |
B. With respect to the Farm Property Farm Dwell ings Appurtenant Structures And Household Per sonal Property Coverage Form Paragraph 2. of the Cancellation Common Policy Condition is re placed by the following 2. Cancellation Of Poll a. Midterm Cancellation 1 We may cancel this policy for nonpay ment of premium by mailing or delivering written notice of cancellation to the first Named Insured at least 20 days before the effective date of cancellation. 2 We may cancel this policy based on the reasons stated in Paragraph 2.a.2a or 2b by mailing or delivering written notice of cancellation to the first Named Insured at least 45 days before the effec tive date of cancellation a If this policy has been in effect for less than 60 days except as pro vided in Paragraph 2.a.3 we may cancel for any reason. b If this policy has been in effect for 60 days or more we may cancel this policy prior to the expiration of the agreed term or prior to one year from the effective date of the policy or re newal whichever is less only for one or more of the following reasons i Material misrepresentation ii Substantial change in the risk assumed except to the extent that we should reasonably have foreseen the change or contem plated the risk in writing the con tract iii Substantial breaches of contrac tual duties conditions or warran ties iv Determination by the Commis sioner of Insurance that continua tion of the policy would place us in violation of the Montana Insur ance Code v Financial impairment of us or vi Such other reasons that are ap proved by the Commissioner of Insurance. 3 If this policy has been issued for a term longer than one year and if either the premium is prepaid or an agreed term is guaranteed for additional premium con sideration we may cancel this policy only for one or more of the reasons stated in Paragraph 2.a.2b by mailing or delivering written notice to the first Named Insured at least 45 days before the effective date of cancellation. b. Anniversary Cancellation We may cancel any policy with a term of more than one year by mailing or delivering to the first Named Insured written notice of cancellation at least 45 days before the an niversary date of the policy. Such cancella tion will be effective on the policy s anniver sary date. C. Paragraph 5. of the Cancellation Common Policy Condition is replaced by the following 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. However when a financed insurance policy is cancelled we will send any refund due to the premium finance company on a pro rata basis.. Any When We Do Not Renew Condition is deleted. The following When We Do Not Renew Condition is added 1. If we elect not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations and agent if any a notice of intention not to renew at least 45 days before the agreed expiration date. 2. We need not mail or deliver this notice if a. You have purchased insurance elsewhere b. You have accepted replacement coverage c. You have requested or agreed to nonre newal or d. This policy is expressly designated as non renewable. Page 2 of 2 ISO Properties Inc. 2006 Insured Copy IL 0243 09 07 o | 2 |
IL 02 4509 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MINNESOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY 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 When this endorsement is attached to the Stan dard Property Policy CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy.. The following provisions apply except when Para graph C. of this endorsement applies The Cancellation Common Policy Condition is re placed 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. 2. We may cancel this policy subject to the provi sions of Paragraph B.3. below by first class mailing or by delivery of a written notice of cancellation to the first Named Insured and any agent to their last mailing addresses known to us. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 3. Policies In Effect a. Less Than 90 Days If this policy is a new policy and has been in effect for fewer than 90 days we may cancel for any reason by giving notice at least 1 10 days before the effective date of cancellation if we cancel for nonpay ment of premium or 2 30 days before the effective date of cancellation if we cancel for any other reason. b. 90 Days Or More If this policy has been in effect for 90 days or more or if it 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 Misrepresentation or fraud made by you or with your knowledge in obtaining the policy or in pursuing a claim under the policy An act or omission by you that substan tially increases or changes the risk in sured Refusal by you to eliminate known con ditions that increase the potential for loss after notification by us that the con dition must be removed Substantial change in the risk assumed except to the extent that we should rea sonably have foreseen the change or contemplated the risk in writing the con tract 3 4 5 ISO Properties Inc. 2007 Insured Copy Page 10of 3 m IL 02 4509 08 | 2 |
6 Loss of reinsurance by us which pro vided coverage to us for a significant amount of the underlying risk insured. Any notice of cancellation pursuant to this item shall advise the policyholder that he or she has 10 days from the date of receipt of the notice to appeal the cancellation to the commissioner of commerce and that the commissioner will render a decision as to whether the cancellation is justified because of the loss of reinsurance within 30 business days after receipt of the appeal 7 A determination by the commissioner that the continuation of the policy could place us in violation of the Minnesota in surance laws or 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. This provision for cancellation for failure to pay dues shall not be applicable to per sons who are retired at 62 years of age or older or who are disabled according to social security standards. Under this Item B.3.b. we will give notice at least 1 10 days before the effective date of cancellation if we cancel for nonpay ment of premium. The cancellation no tice shall contain the information regard ing the amount of premium due and the due date and shall state the effect of nonpayment by the due date. Cancella tion shall not be effective if payment of the amount due is made prior to the ef fective date of cancellation or 60 days before the effective date if we cancel for a reason described in Para graphs B.3.b.2 through 8 above. The notice of cancellation will state the rea son for cancellation. 4. 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. 8 2 5. Proof of mailing of any notice shall be sufficient proof of notice. C. The following applies with respect to coverage provided under the following FARM COVERAGE PART 1. Policies In Effect 60 Days Or More a. If this Coverage Part covers buildings used for residential purposes and has been 1 In effect for at least 60 days or 2 Renewed by us Paragraphs A.2. and A.6. of the Cancella tion Common Policy Condition do not ap ply and the following is added to the Can cellation Common Policy Condition b. We may not cancel this policy except for 1 Nonpayment of premium 2 Misrepresentation or fraud made by you or with your knowledge a In obtaining this policy or b In connection with a claim under this policy 3 An act or omission by you that materially increases the risk we originally accepted or 4 A physical change in the Covered Prop erty which a Is not corrected or restored within a reasonable time after it occurs and b Results in the property becoming uninsurable. c. We may cancel this policy by giving the first Named Insured written notice of cancella tion at least 1 20 days before the effective date of cancellation if we cancel for nonpay ment of premium or 2 30 days before the effective date of cancellation if we cancel for a reason described in Paragraphs C.1.b.2 through 4. Such notice will be mailed or delivered to the first Named Insured and will contain the reason for cancellation. Proof of mailing of any notice shall be sufficient proof of no tice. Page 2 of 3 ISO Properties Inc. 2007 Insured Copy IL 02 45 09 08 o | 2 |
2. Policies In Effect Less Than 60 Days When this Coverage Part covers buildings used for residential purposes and is a new pol icy which has been in effect fewer than 60 days cancellation is subject to the terms of the Cancellation Common Policy Condition except for Paragraphs A.2. and A.6. and is not sub ject to Paragraph B. or Paragraph C.1. of this endorsement. Under this Item C.2. Para graphs A.2. and A.6. of the Cancellation Com mon Policy Condition are replaced by the fol lowing We may cancel this policy by giving the first Named Insured written notice of cancellation at least 20 days before the effective date of can cellation. Such notice will be mailed or deliv ered to the first Named Insured. Proof of mail ing of any notice shall be sufficient proof of notice. If we cancel this policy for underwriting con siderations we will inform you of the source from which the information was received. D. The following is added and supersedes any provi sions to the contrary NONRENEWAL If we decide not to renew this policy we may do so by giving the first Named Insured and any agent written notice of our intent not to renew at least 60 days before the expiration date of this pol icy. Such notice will be delivered or mailed by first class mail to their last mailing addresses known to us. Proof of mailing of any notice shall be sufficient proof of notice. We need not mail or deliver this notice if you have 1. Insured elsewhere 2. Accepted replacement coverage or 3. Agreed not to renew this policy. ISO Properties Inc. 2007 Insured Copy Page 3 of 3 m IL 02 4509 08 | 2 |
IL0259 1217 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY 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 POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following 2. Cancellation Of Policies In Effect a. 60 Days Or Less If this policy has been in effect for 60 days or less we may cancel this policy for any reason. b. More Than 60 Days If this policy has been in effect for more than 60 days or if this is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 The policy was obtained through material misrepresentation 3 Any insured has submitted a fraudulent claim 4 Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has substantially increased Certification to the Director of Insurance of our loss of reinsurance which provided coverage to us for all or a substantial part of the underlying risk insured or 6 7 The determination by the Director of Insurance that the continuation of the policy could place us in violation of the Nebraska Insurance Laws. c. If we cancel this policy subject to 2.a. or 2.b. above we will mail to the first Named Insured a written notice of cancellation stating the reasons for cancellation 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. 3. We will mail our notice by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail a United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. IL0259 1217 Insurance Services Office Inc. 2017 Insured Copy Page 1 of 2 | 2 |
C. The following is added and supersedes any provisions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 60 days prior to the expiration date of this policy. 2. Any notice of nonrenewal will be mailed by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail a United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. Page 2 of 2 Insurance Services Office Inc. 2017 Insured Copy IL02591217 | 2 |
IL 02 61 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following A CAPITAL ASSETS PROGRAM OUTPUT POLICY 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 POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following 2.a. We may cancel this policy by mailing or deliver ing to the first Named Insured written notice of cancellation stating the reasons for cancella tion at least 1 10 days before the effective date of cancella tion if we cancel for nonpayment of pre mium. 2 30days before the effective date of cancella tion if we cancel for any other reason. b. If this policy has been in effect for 90 days or more or if it is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 This policy was issued because of material misrepresentation 3 You or any other insured violated any of the material terms and conditions of this policy 4 Unfavorable underwriting factors specific to you exist that were not present at the in ception of this policy A determination by the insurance commis sioner that continuation of coverage could place us in a hazardous financial condition or in violation of the laws of Kansas or A determination by the insurance commis sioner that we no longer have adequate re insurance to meet our needs. 5 6 B. The following is added and supersedes any condi tion to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 60 days prior to the ex piration of the policy. 2. Any notice of nonrenewal will be mailed or delivered to the first Named Insured s last mail ing address known to us. If notice is mailed proof of mailing will be sufficient proof of no tice. ISO Properties Inc. 2006 Insured Copy Page 1 of 1 m IL 02 61 09 07 | 2 |
IL 02 66 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UTAH CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS COVERAGE PART A. The following is added to the Cancellation Com mon Policy Condition 7. If this policy has been in effect for more than 60 days or if this is a renewal of a policy we is sued we may cancel this policy only for one or more of the following reasons a. Nonpayment of premium b. Material misrepresentation c. Substantial change in the risk assumed unless we should reasonably have foreseen the change or contemplated the risk when entering the contract or d. Substantial breaches of contractual duties conditions or warranties. If we cancel for nonpayment of premium notice of cancellation must state the reason for can cellation. 8. With respect to the Commercial Automobile Coverage Part the following applies in addition to the provisions of Paragraph 7. above We may cancel this policy if your driver s li cense or the driver s license of a person who customarily drives a covered auto is sus pended or revoked. 9. Notice of cancellation must be delivered or mailed by first class mail. B. The following is added and supersedes any provi sions to the contrary NONRENEWAL 1. If we elect to not renew this policy we will mail by first class mail written notice of nonrenewal to the first Named Insured at the last mailing address known to us at least 30 days before the expiration or anniversary date of this policy. 2. We need not mail this notice if a. You have accepted replacement coverage b. You have requested or agreed to nonre newal or c. This policy is expressly designated as non renewable. 3. If notice is mailed proof of mailing is sufficient proof of notice. ISO Properties Inc. 2007 Insured Copy Page 1 of 1 m IL 02 66 09 08 | 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 c. If this policy has been in effect for 60 days replaced by the following or more or is a renewal of a policy we is CANCELLATION sued we may cancel only for one or more of the following reasons 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliv 1 Nonpayment of premium ering to us advance written notice of cancella 2 Misrepresentation or fraud made by or tion. with your knowledge in obtaining the 2. Cancellation Requirements policy when renewing the policy or in presenting a claim under the policy a. We may cancel this policy by mailing or. delivering to the first Named Insured and 3 ACtS or mss 5.by you that substgn any loss payee written notice of cancellation tially change or increase the risk in at least sured 1 30 days before the effective date of 4 Determination by the Commissioner that cancellation if we cancel due to loss of reinsurance coverage 2 10 days before the effective date of cancellation if we cancel for any other 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. the continuation of the policy would jeopardize our solvency or would place us in violation of the insurance laws of this or any other state 5 You have acted in a manner which you 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. ISO Properties Inc. 2007 Insured Copy Page 10f 2 m IL 02 76 09 08 | 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.. 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 Insured Copy IL 0276 09 08 o | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A IL 09851220 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE PART Terrorism Premium Certified Acts 0.00 This premium is the total Certified Acts premium attributable to the following Coverage Parts Coverage Forms andor Policyies Additional information if any concerning the terrorism premium SCHEDULE PART Il Federal share of terrorism losses 80 Refer to Paragraph B. in this endorsement. Information required to complete this Schedule if not shown above will be shown in the Declarations. s premiu the total Certified Acts premium attributable to the following Coverage Parts overage Forms andor Policyies dditional information if any concerning the terrorism premium IL 09 85 12 20 Insurance Services Office Inc. 2020 Insured Copy Page 1 of 2 | 2 |
A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage as shown in Part Il of the Schedule of this endorsement or in the policy Declarations of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Page 2 of 2 Insurance Services Office Inc. 2020 Insured Copy IL 09 85 12 20 | 2 |
MANDATORY ENDORSEMENT In Witness Whereof we have caused this policy to be executed and attested by our President and Secretary but this policy shall not be valid unless countersigned by our authorized representative. 71M73Wu President w 74 Secretary MLXS001 0508 Page 1of 1 Insured Copy | 2 |
COLORADO MANDATORY ENDORSEMENT In Witness Whereof we have caused this policy to be executed and attested by our President and Secretary. 71M73Wu President w 74 Secretary MLXS002 0508 Page 1of 1 Insured Copy | 2 |
VIRGINIA MANDATORY ENDORSEMENT In witness Whereof we have caused this policy to be executed and attested by our President and Secretary. 71M73Wu President w 74 Secretary MLXS003 0508 Page 1of 1 Insured Copy | 2 |
k x IMPORTANT INSURANCE INFORMATION Please read this notice carefully. 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 any 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. ADVISORY NOTICE TO POLICYHOLDERS 2018 GENERAL LIABILITY MULTISTATE ENDORSEMENT REVISION CGL ENDORSEMENTS ENDORSEMENTS WITH EITHER BROADENINGS OR REDUCTIONS IN COVERAGE CG 20 11 Additional Insured Managers Or Lessors Of Premises CG 20 24 Additional Insured Owners Or Other Interests From Whom Land Has Been Leased These endorsements have been revised to delete arising out of and add specific language that provides an additional insured with coverage for their vicarious or contributory negligence only. When these endorsements are attached to your policy there may be a reduction in coverage for those states in which Named insureds are permitted to contractually hold harmless an additional insured for that additional insured s sole negligence and Courts have enabled coverage for the sole negligence of the additional insured. CG 20 39 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Written Construction Agreement With You Completed Operations When this endorsement is attached to your policy coverage is broadened to generally provide automatic additional insured status with respect to completed operations to anyone you have performed operations for and has agreed in writing in a contract or agreement that such person be added as an additional insured. With respect to the insurance afforded to an additional insured the endorsement includes an exclusion for the rendering of or the failure to render any professional architectural engineering or surveying services. Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 1 of 8 Insured Copy | 2 |
CG 20 40 Additional Insured Owners Lessees Or Contractors Automatic Status For Other Parties When Required In Written Construction Agreement Completed Operations When this endorsement is attached to your policy coverage is broadened to generally provide automatic additional insured status with respect to completed operations to anyone you have performed operations for and have agreed in writing in a contract or agreement that such person be added as an additional insured and anyone that the additional insured is also required by a written contract or agreement to add as an additional insured. With respect to the insurance afforded to an additional insured the endorsement includes an exclusion for the rendering of or the failure to render any professional architectural engineering or surveying services. CG 20 42 Additional Insured Automatic Status For Designated Operations When this endorsement is attached to your policy coverage is broadened to provide automatic additional insured status in relation to a designated operation. With respect to the insurance afforded to an additional insured the endorsement includes an exclusion for the rendering of or the failure to render any professional services. CG 20 43 Additional Insured Automatic Status When Required In Written Contract Or Agreement When this endorsement is attached to your policy coverage provides automatic additional insured status when there is a written contract or agreement that such additional insured be added to the Policy. With respect to the insurance afforded to an additional insured the endorsement includes an exclusion for the rendering of or the failure to render any professional services. If this endorsement replaces the CGLB303 Blanket Additional Insured Required By Contract it may result in a reduction in coverage if your current policy includes professional coverage. CG 24 53 Waiver Of Transfer Of Rights Of Recovery Against Others To Us Waiver Of Subrogation Automatic When this endorsement is attached to your policy it will automatically waive the insurer s right of recovery on a blanket basis to the extent the insured has waived its right of recovery in a written contract or agreement. If this endorsement replaces CGLB304 Blanket Waiver Of Transfer Of Rights Of Recovery Against Other To Us there is no impact to coverage. CG 34 54 Cannabis Exclusion For use with the Product Withdrawal Coverage Part and the Limited Product Withdrawal Expense Endorsement When this endorsement is attached to your policy in conjunction with the Limited Product Withdrawal Expense Endorsement it generally excludes product withdrawal expensesrelated exposures associated with cannabis. Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 2 of 8 Insured Copy | 2 |
When this endorsement is attached to your policy in conjunction with the Product Withdrawal Coverage Part it generally excludes product withdrawal related exposures associated with cannabis. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for product withdrawal expenses arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the product withdrawal expense does not arise out of your selling serving or furnishing of cannabis to any such person. CG 34 55 Cannabis Exclusion With Hemp Exception For use with the Product Withdrawal Coverage Part and the Limited Product Withdrawal Expense Endorsement When this endorsement is attached to your policy in conjunction with the Limited Product Withdrawal Expense Endorsement it generally excludes product withdrawal expenses related exposures associated with cannabis while also containing an exception addressing product withdrawal expenses arising out of goods or products containing or derived from hemp or damage to such goods or products. When this endorsement is attached to your policy in conjunction with the Product Withdrawal Coverage Part it generally excludes product withdrawal related exposures associated with cannabis while also containing an exception addressing product withdrawal expenses arising out of goods or products containing or derived from hemp or damage to such goods or products. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement form attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Product withdrawal expenses arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the product withdrawal expense does not arise out of your selling serving or furnishing of cannabis to any such person and Product withdrawal expenses arising out of goods or products containing or derived from hemp including but not limited to i seeds ii food iii clothing iv lotions oils or extracts v building materials or vi paper and product withdrawal expenses incurred by you because of property damage to any such goods or products unless and to the extent any such goods or products are prohibited under an applicable state or local statute regulation or ordinance in the state wherein your Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 3 of 8 Insured Copy | 2 |
products involved in the product withdrawal are located or were located at the time the injury or damage occurred. CG 40 09 Amendment Of Liquor Liability Exclusion Limited Exception For Bring Your Own Alcohol When this endorsement is attached to your policy it will replace the liquor liability exclusion currently in your policy. It applies the exclusion if you manufacture sell or distribute alcoholic beverages and more generally applies the exclusion if you serve or furnish alcoholic beverages whether or not a charge is made or a license is required. It does provide an exception for liability resulting from the intoxication of any person because alcoholic beverages were permitted on your premises for consumption on your premises. If the attachment of this endorsement replaces Endorsements CG 21 50 Amendment Of Liquor Liability Exclusion or CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities it may result in a broadening of coverage. The attachment of this endorsement to a policy not containing endorsements CG 21 50 or CG 21 51 results in a reduction of coverage. CG 40 01 Genetically Modified Organism Exclusion Endorsement When this endorsement is attached to your policy bodily injury property damage and personal and advertising injury arising out of genetic modification whether by design or accident will be excluded. To the extent that current policy exclusions do not limit liability arising out of genetically modified products attachment of this endorsement to your policy will result in a reduction of coverage. CG 40 02 Genetically Modified Organism Exclusion For Designated Operations Or Products Endorsement When this endorsement is attached to your policy bodily injury property damage and personal and advertising injury arising out of genetic modification whether by design or accident will be excluded but only with respect to operations or products listed in the Schedule of the endorsement. To the extent that current policy exclusions do not limit liability arising out of genetically modified products attachment of this endorsement to your policy will result in a reduction of coverage. CG 40 04 Exclusion Earth Movement When this endorsement is attached to your policy it will exclude coverage for bodily injury and property damage that arises out of earth movement that is caused by or alleged to have been caused by in whole or in part or aggravated by or alleged to have been aggravated by various operations related to your work as defined within the Policy. To the extent there is an exposure for liability arising out of earth movement as defined within the endorsement that may be caused by alleged to be caused by or aggravated by or alleged to be aggravated by that which is described in the endorsement may result in a restriction of coverage. Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 4 of 8 Insured Copy | 2 |
CG 40 05 Exclusion Earth Movement Completed Operations When this endorsement is attached to your policy it will exclude coverage for bodily injury and property damage that arises out of earth movement that is caused by or alleged to have been caused by in whole or in part or aggravated by or alleged to have been aggravated by various operations related to your work as defined in the Policy and that is included in the products completed operations hazard also as defined in the Policy. To the extent there is an exposure for liability arising out of earth movement as defined within the endorsement that may be caused by alleged to be caused by or aggravated by or alleged to be aggravated by that which is described in the endorsement may result in a restriction of coverage. CG 40 06 Earth Movement Exclusion For Designated Operations Or Projects When this endorsement is attached to your policy it will exclude coverage for bodily injury and property damage that arises out of earth movement that is caused by or alleged to have been caused by in whole or in part or aggravated by or alleged to have been aggravated by various operations but only with respect to operations or projects described in the Schedule of the endorsement and as those operations or projects relates to your work as defined within the Policy. To the extent there is an exposure for liability arising out of earth movement as defined within the endorsement that may be caused by alleged to be caused by or aggravated by or alleged to be aggravated by that which is described in the endorsement may result in a restriction of coverage. CG 40 10 Exclusion Cross Suits Liability When this endorsement is attached to your policy any claim or suit for damages that are brought by any Named Insured against another Named Insured will be excluded. To the extent that an exposure exists with respect to cross suits being brought between Named Insureds the attachment of this endorsement will result in a reduction in bodily injury property damage or personal and advertising injury coverage with respect to such exposure related to cross suits liability if your current policy does not have endorsement CGLB120 Cross Suits Exclusion or endorsement CGLB137 New Hampshire Cross Suits Exclusion. CG 40 11 Exclusion Hired Auto Liability When this endorsement is attached to a policy this endorsement will exclude liability arising out of a hired auto. To the extent that An exposure exists with respect to any hired auto or Liability is assumed under any insured contract for the maintenance use or entrustment of any hired auto the attachment of this endorsement will result in a reduction in bodily injury and property damage liability coverage with respect to such exposures related to any hired auto. Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 5 of 8 Insured Copy | 2 |
CG 40 12 Exclusion All Hazards In Connection With An Electronic Smoking Device Its Vapor Component Parts Equipment And Accessories When this endorsement is attached to your policy it will generally exclude all bodily injury property damage or personal and advertising injury with respect to an electronic smoking device. To the extent that an exposure exists with respect to an electronic smoking device its vapor component parts equipment and accessories attachment of this endorsement will result in a reduction in coverage. CG 40 13 Exclusion Health Hazards Electronic Smoking Device Vapor When this endorsement is attached to your policy it will generally exclude bodily injury with respect to vapor delivered from an electronic smoking device. To the extent that an exposure exists with respect to the actual alleged threatened or suspected inhalation of contact with exposure to existence of or presence of vapor delivered from an electronic smoking device or any component part of or equipment or accessory designed for use with an electronic smoking device in connection with the actual alleged threatened or suspected inhalation of contact with exposure to existence of or presence of vapor delivered from an electronic smoking device not otherwise excluded the attachment of this endorsement will result in a reduction in bodily injury coverage. However such reduction in coverage does not apply to coverage for bodily injury arising out of the explosion bursting or rupturing of an electronic smoking device or any component part equipment or accessory designed for use with an electronic smoking device for any reason due to a related exception in the endorsement. CG 40 14 Cannabis Exclusion For use with the Commercial General Liability Coverage Part When this endorsement is attached to your policy it generally excludes bodily injury property damage and personal and advertising injury related exposures associated with cannabis. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Bodily injury or property damage arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the bodily injury or property damages does not arise out of your selling serving or furnishing of cannabis to any such person and Personal and advertising injury arising out of the offenses addressing in part i false arrest detention or imprisonment and i wrongful eviction. Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 6 of 8 Insured Copy | 2 |
CG 40 15 Cannabis Exclusion With Hemp Exception For use with the Commercial General Liability Coverage Part When this endorsement is attached to your policy it generally excludes bodily injury property damage and personal and advertising injury related exposures associated with cannabis while also containing an exception generally addressing injury or damage arising out of goods or products containing or derived from hemp or damage to such goods or products. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Bodily injury or property damage arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the bodily injury or property damages does not arise out of your selling serving or furnishing of cannabis to any such person Personal and advertising injury arising out of the offenses addressing in part i false arrest detention or imprisonment and ii wrongful eviction and Bodily injury property damage or personal and advertising injury arising out of goods or products containing or derived from hemp including but not limited to i seeds i food iii clothing iv lotions oils or extracts v building materials or vi paper and property damage to any such goods or products unless and to the extent any such goods or products are prohibited under an applicable state or local statute regulation or ordinance in the state wherein the i bodily injury or property damage occurs i occurrence which caused the bodily injury or property damage takes place or iii the offense which caused the personal and advertising injury was committed. CG 40 16 Cannabis Exclusion With Hemp And Lessors Risk Exceptions For use with the Commercial General Liability Coverage Part When this endorsement is attached to your policy it generally excludes bodily injury property damage and personal and advertising injury related exposures associated with cannabis while also containing an exception addressing injury or damage arising out of goods or products containing or derived from hemp or damage to such goods or products. It also contains an explicit exception addressing bodily injury property damage or personal and advertising injury arising out of the ownership maintenance or use of a premises leased to others by you. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Bodily injury or property damage arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 7 of 8 Insured Copy | 2 |
but only if the bodily injury or property damages does not arise out of your selling serving or furnishing of cannabis to any such person Personal and advertising injury arising out of the offenses addressing in part i false arrest detention or imprisonment and i wrongful eviction due to related exceptions in the endorsement Bodily injury property damage or personal and advertising injury arising out of goods or products containing or derived from hemp including but not limited to i seeds i food iii clothing iv lotions oils or extracts v building materials or vi paper and property damage to any such goods or products unless and to the extent any such goods or products are prohibited under an applicable state or local statute regulation or ordinance in the state wherein the i bodily injury or property damage occurs i occurrence which caused the bodily injury or property damage takes place or iii the offense which caused the personal and advertising injury was committed and Bodily injury property damage or personal and advertising injury arising out of the ownership maintenance or use of a premises leased to others by you. CGLB188 or CGLB192 Diacetyl Exclusion When this endorsement is attached to your policy bodily injury property damage and personal and advertising injury arising out of diacetyl or related substances will be excluded. Includes copyrighted material of Insurance Services Office Inc. with its permission. CGLB191 0720 Page 8 of 8 Insured Copy | 2 |
COMMERCIAL GENERAL LIABILITY NATIONWIDE AGRIBUSINESS INSURANCE COMPANY 1100 Locust Street Des Moines IA 50391 CYBER SUITE SUPPLEMENTAL DECLARATIONS Policy Number CPP850079A Account Number 850079 Cyber Coverage Effective Date 5312021 1201 A.M. Standard Time Named Insured THE SCOULAR COMPANYSCOULAR Agent 90265 DATA COMPROMISE RESPONSE EXPENSES Annual Aggregate Limit 100000 Deductible Per Occurrence 1000 Sublimits Per Occurrence Forensic IT Review 50000 Legal Review 50000 Public Relations 5000 Regulatory Fines and Penalties 50000 PCI Fines and Penalties 50000 COMPUTER ATTACK Annual Aggregate Limit 100000 Deductible Per Occurrence 1000 Sublimits Per Occurrence Loss of Business 50000 Public Relations 5000 Cyber Extortion 10000 Misdirected Payment Fraud 10000 Computer Fraud 10000 DATA COMPROMISE LIABILITY Defense and Liability Annual Aggregate Limit 100000 Deductible Per Occurrence 1000 NETWORK SECURITY LIABILITY Defense and Liability Annual Aggregate Limit 100000 Deductible Per Occurrence 1000 Agent 90265 100000 1000 100000 1000 CGLB375 1119 Page 1 of 2 Insured Copy | 2 |
Cyber Suite Supplemental Declarations Continued ELECTRONIC MEDIA LIABILITY Defense and Liability Annual Aggregate Limit Deductible Per Occurrence IDENTITY RECOVERY Annual Aggregate Limit Per Identity Recovery Insured Deductible Per Occurrence Sublimits Per Occurrence Lost Wages and Child and Elder Care Expenses Mental Health Counseling Miscellaneous Unnamed Costs 100000 1000 25000 5000 1000 1000 25000 CGLB375 1119 Page 2 of 2 Insured Copy | 2 |
Policy Number CPP850079A Nationwide COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL DECLARATIONS NATIONWIDE AGRIBUSINESS INSURANCE COMPANY Named Insured THE SCOULAR COMPANY Effective Date 05 31 2021 SEE NAMED INSURED ENDT 1201 AM. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 90265 Item 1. Business Description GRAIN ELEVATORS Item 2. Limits of Insurance Coverage Limit of Liability Aggregate Limits of Liability Products Completed 2000000 Operations Aggregate General Aggregate other than 2000000 Products Completed Operations Coverage A Bodily Injury and any one occurrence subject to Property Damage Liability the Products Completed Operations and General 1000000 Aggregate Limits of Liability any one premises subject to the Damage To Premises Coverage A occurrence and the Rented To You General Aggregate Limits of 500000 Liability Coverage B Personal and any one person or organization Advertising Injury subject to the General Aggregate Liability 1000000 Limits of Liability Coverage C Medical Payments any one person subject to the Coverage A occurrence and the General Aggregate Limits of Liability Item 3. Retroactive Date This Insurance does not apply to bodily injury property damage or personal and advertising injury which occurs before the Retroactive Date if any shown here NONE Enter Date or None if no Retroactive Date applies Item 4. Form of Business Form of Business CORPORATION Item 5. Forms and Endorsements Forms and Endorsements made a part of this policy at time of issue See Schedule of Forms and Endorsements Item 6. Premiums Coverage Part Premium 394121.00 Other Premium Total Premium 394121.00 COMMERCIAL GENERAL LIABILITY COVER QIIDDI EMENTAI PREAT ADATIAMNC s o B 350079A T IDT 2000000 1000000 Damage To Premises Rented To You 1000000 e THESE DECLARATIONS ARE PART OF THE POLICY DECLARATIONS CONTAINING THE NAME OF THE INSURED AND THE POLICY PERIOD. GL DEC 1201 Insured Copy | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY SCHEDULE OF NAMED INSUREDS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION Il WHO IS AN INSURED is amended to include the following The insurance afforded under this policy applies to all persons or organizations listed in the SCHEDULE below as named insureds subject to the following provisions a. The first named insured is authorized to act on behalf of each named insured in all matters pertaining to this insurance. b. The first named insured declares that all firms named in the policy as named insureds are owned or financially controlled by the same interests. Schedule of Named Insureds THE SCOULAR COMPANY DBA TSC CONTAINER FREIGHT THE SCOULAR COMPANY LEVANT KS LLC SCOULAR PROPERTIES INC THE SCOULAR COMPANY DBA INDUSTRIAL FOOD INGREDIENTS SCOULAR INTERNATIONAL SALES CORPORATION SANGAMO AGRICULTURE LLC THE SCOULAR COMPANY DBA SCOULAR THE SCOULAR COMPANY DBA INTERNATIONAL PROTEINS CORPORATION THE SCOULAR COMPANY DBA SCOULAR SPECIAL CROPS THE SCOULAR COMPANY DBA SCOULAR GRAIN COMPANY CHOICE DRAYAGE COMPANY THE SCOULAR COMPANY DBA EMERGE BY SCOULAR ALL OTHER CONDITIONS AND PROVISIONS OF THE POLICY REMAIN UNCHANGED BY THIS ENDORSEMENT. CGLB305 1109 Page 1 of 1 Insured Copy | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUDED ENTITY ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Name of Excluded Entity PINNACLE HEALTH PROMOTIONS INC. SOLOMON VALLEY LLC SCO AG LLC HIGH PLAINS AG LLC TRI STATE GRAIN LLC TSC CONTAINER FREIGHT SFD OPCO SFD HOLDCO INNACLE HEALTH PROMOTIONS OLOMON VALLEY LLC CO AG LLC IGH PLAINS AG LLC RI STATE GRAIN LLC SC CONTAINER FREIGHT FD OPCO FD HOLDCO INC.. SECTION II WHO IS INSURED does not include the entity listed in the Schedule of this endorsement.. The definition of insured contract does not include that part of any contract or agreement which requires the insured to defend or indemnify the entity listed in the Schedule of this endorsement. CGLB306 1109 Insured Copy | 2 |
Policy Number CPP850079A Nationwide COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE NATIONWIDE AGRIBUSINESS INSURANCE COMPANY Named Insured THE SCOULAR COMPANY Effective Date 05 31 21 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 90265 Item 5. Location of Premises Location of All Premises You Own Rent or Occupy Premium Basis Premises Operations Location ALL Exposure Rate Premium lassification S 250.00 Products Completed Operations Rate Premium Code No. Premium Basis 74618 Location ALL Exposure Rate Premium 500.00 Premises Operations Products Completed Operations Rate Premium Code No. Premium Basis 9902 Each Additional Insured Location ALL Exposure 20 Rate Premium Premises Operations lassification dditional Insured Designated Persons 726.00 lor Organization Products Completed Operations Rate Premium Premium Basis Each Additional Insured Premises Operations Location ALL Exposure 10 Rate Premium lassification Additional Insured Lessor of Leased Equipment Products Completed Operations Rate Premium 385.00 GL SCHED 0197 Insured Copy CPP850079A COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE IDE AGRIBUSINESS INSURANCE COM PANY cliective Uate. Vo ols1 1201 A.M. Standard Time C TRANSPORT OF FARM COMMODITIES INTRACTUAL LIABILITY RR lditional Insured Designated Persons Organization lditional Insured Lessor of Leased uipment | 2 |
Policy Number CPP850079A Nationwide COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE NATIONWIDE AGRIBUSINESS INSURANCE COMPANY Named Insured THE SCOULAR COMPANY Effective Date 05 31 21 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 90265 Item 5. Location of Premises Location of All Premises You Own Rent or Occupy Premium Basis Premises Operations Location ALL Exposure Rate Premium lassification Cyber Suite 363.00 Products Completed Operations Rate Premium Code No. Premium Basis 92100 umber of Employees Location ALL Exposure 1200 Rate Premium lassification Employee Benefits Liability 538.00 Premises Operations Products Completed Operations Rate Premium Premises Operations Location ALL Exposure 30 Rate Premium lassification Pollution Cov Mobile Equip 368.00 Products Completed Operations Rate Premium Premium Basis P 0 t C REMUNERATION PER 100 remises Operations Location Exposure 75046331 Rate Premium lassification.521 390991.00 COMPOSITE RATE GROUP 001 Products Completed Operations Rate Premium INCL GL SCHED 0197 Insured Copy CPP850079A COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE IDE AGRIBUSINESS INSURANCE COM PANY cliective Uate. Vo ols1 1201 A.M. Standard Time ber Sulite ployee Benefits Liability llution Cov Mobile Equip MPOSITE RATE GROUP 001 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory c.. Bodily injury or. Damages because of bodily 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section I Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. 3 property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. his policy restrict coverage. carefully to determine rights 10 t covered. e words you and your refer own in the Declarations and nization qualifying as a Named y. The words we us and providing this insurance. s any person or organization er Section Il Who Is An es that appear in quotation ning. Refer to Section V S INJURY AND PROPERTY ums that the insured becomes pay as damages because of roperty damage to which this We will have the right and e insured against any suit vaaes. However. we will have z CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 1 of 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. b This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or faiing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing seling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a b c At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests i Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or i Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels Ilubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor i Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. ii CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liabilty assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or b The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you Page 4 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it.. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury.. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or VTR dli el e eV for rental by you. nd 6 of this exclusion ity assumed under a usion does not apply to ded in the products ard. ur product arising out ur work arising out of it luded in the products ard. apply if the damaged CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 5 of 16 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. ance applies to this coverage 1 Il Limits Of Insurance. IJAL AND ADVERTISING ums that the insured becomes pay as damages because of ertisina iniurv to which this Page 6 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. publishing or n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 4 CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law.. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests.. Products Completed Operations Hazard Included within the products completed operations hazard.. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual To any insured except volunteer workers.. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured.. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. loss of earnings up to 250 a day because of time off from work.. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured.. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. as described an accident u own or rent 1 the coverage icy period 1 and renarted Page 8 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and limits of f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. b c d So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. Anindividual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. suit and the information urrence are such that no t between the interests of rests of the indemnitee the insured ask us to the defense of that 1 suit and agree that we counsel to defend the tee and CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the c For which there is any obligation to share organization. damages with or repay someone else fvho No person or organization is an insured with respect to must pay damages because of the injury the conduct of any current or past partnership joint described in Paragraph 1a or b venture or limited liability company that is not shown as above or a Named Insured in the Declarations. d Arising out of his or her providing or SECTION Il LIMITS OF INSURANCE fag to provide professional health care 1. The Limits of Insurance shown in the Declarations services. and the rules below fix the most we will pay 2 Property damageto property regardless of the number of a Owned occupied or used by a. Insureds b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Page 10 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damageto any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claimis made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. wioTL et Personal And will pay under s because of tained by any e whichever the most we erty damage Damage To most we will 5 because of while rented while rented y you with he last preceding perio for purposes Limits of Insurance. DMMERCIAL GENERAL LIABILITY CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 11 of 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below.. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. i iii 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and selfinsured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part.. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit b. We will compute all premiums for this Coverage Part in accordance with our rules and rates. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured.. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree The statements in the Declarations accurate and complete are Page 12 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
b. Those statements are based representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. upon 3.. Hostile However auto does not include mobile equipment. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to. ld 2 3. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your workthat is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfiling the terms of the contract or agreement. A e lamed Insured this vere the only Named igainst whom claim is Against Others To ver all or part of any this Coverage Part us. The insured must them. At our request ansfer those rights to overage Part we will ed Insured shown in f the nonrenewal not prov CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 2 b 10. 1 12 Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker..Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or autoto the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. agreement except in ruction or demolition 0 feet of a railroad ired by ordinance to except in connection ty Areement Page 14 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
13. 14. 15. However self propelled vehicles with following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. b. c. g. False arrest detention or imprisonment Malicious prosecution The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services. Oral or written publication in any manner of material that violates a person s right of privacy. The use of another s advertising idea in your advertisement or Infringing upon another s copyright trade dress or slogan in your advertisement. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. b. the 16.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured The existence of tools uninstalled equipment or abandoned or unused materials or Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. b c 2 3 17. Property damage means Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. equwpmen but will be imarily for but not construction milar devices mounted k chassis and used to and mps and generators welding building exploration lighting pment. does not include any t to a compulsory or r other motor vehicle icensed or principally ct to a compulsory or r other motor vehicle autos. accident including ure to substantially the ns. injury means injury y injury arising out of ffenses mprisonment n wrongful entry into private occupancy of a nises that a person or on behalf of its n in any manner of r libels a person or ges a person s or 2 3 CG 00010413 Insurance Services Office Inc. 2012 Insured Copy Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions.. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product 20 S a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. to provide 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure warnings or instructions. to provide e Page 16 of 16 Insurance Services Office Inc. 2012 Insured Copy CG 00010413 | 1 |
POLICY NUMBER CPP850079A CY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 02241093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EARLIER NOTICE OF CANCELLATION PROVIDED BY US This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Number of Days Notice 90 If no entry appears above information required to complete this Schedule will be shown in the Declarations as applicable to this endorsement. For any statutorily permitted reason other than nonpayment of premium the number of days required for notice of cancellation as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement is increased to the number of days shown in the Schedule above. CG 02241093 Copyright Insurance Services Office Inc. 1992 Insured Copy Page 10f 1 o | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 03 00 0196 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DEDUCTIBLE LIABILITY INSURANCE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE SCHEDULE Coverage Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE Bodily Injury Liability OR Property Damage Liability OR Bodily Injury Liability andor 25000 Property Damage Liability Combined If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury and property damage however caused Amount and Basis of Deductible PER CLAIM or PER OCCURRENCE 25000 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay damages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per occurrence basis. Your selected deductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Schedule above. The deductible amount stated in the Schedule above applies as follows 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis that deductible applies as follows a. Under Bodily Injury Liability Coverage to all damages sustained by any one person because of bodily injury b. Under Property Damage Liability Coverage to all damages sustained by any one person because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages sustained by any one person because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence. If damages are claimed for care loss of services or death resulting at any time from bodily injury a separate deductible amount will be applied to each person making a claim for such damages. With respect to property damage person includes an organization. CG 03 00 01 96 Copyright Insurance Services Office Inc. 1994 Insured Copy Page 1 of 2 m | 2 |
2. PER OCCURRENCE BASIS. If the deductible amount indicated in the Schedule above is on a per occurrence basis that deductible amount applies as follows a. Under Bodily Injury Liability Coverage to all damages because of bodily injury b. Under Property Damage Liability Coverage to all damages because of property damage or c. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence regardless of the number of persons or organizations who sustain damages because of that occurrence. C. The terms of this insurance including those with respect to 1. Our right and duty to defend the insured against any suits seeking those damages and 2. Your duties in the event of an occurrence claim or suit apply irrespective of the application of the deductible amount. D. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. Page 2 of 2 Copyright Insurance Services Office Inc. 1994 Insured Copy CG 03 00 01 96 o | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 04351207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Limit Of Insurance Deductible Premium Employee Benefits S 1000000 each employee 1000 s 538 Programs 1000000 aggregate Retroactive Date 05 31 1996 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as dam ages because of any act error or omission No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supple mentary Payments. b. This insurance applies to damages only if 1 The act error or omission is negligently of the insured or of any other person for committed in the administration of your whose acts the insured is legally liable to employee benefit program which this insurance applies. We will have 2 The act error or omission did not take the right and duty to defend the insured place before the Retroactive Date if any against any suit seeking those damages. shown in the Schedule nor after the end However we will have no duty to defend the of the policy period and insured against any suit seeking damages 3 Aclaim for damages because of an act to which lhlsmsurance does not apply. We error or omission is first made against may at our discretion vnvesllgate any report any insured in accordance with Para of an act error or omission and seftle any graph c. below during the policy period claim or suit that may result. But or an Extended Reporting Period we pro 1 The amount we will pay for damages is vide under Paragraph F. of this en limited as described in Paragraph D. dorsement. Section Il Limits Of Insurance and. A claim seeking damages will be deemed to 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. have been made at the earlier of the follow ing times 1 Wnhen notice of such claim is received and recorded by any insured or by us whichever comes first or CG 04351207 ISO Properties Inc. 2006 Insured Copy Page 10f 6 m | 2 |
2 When we make settlement in accordance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the pol icy period will be considered to have been received within the policy period if no sub sequent policy is available to cover the claim. d. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefici aries will be deemed to have been made at the time the first of those claims is made against any insured.. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless viola tion of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. e. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable be cause of liability imposed on a fiduciary by the Employee Retirement Income Security Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termination of employment discrimination or other em ployment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and Bare replaced by Supplemen tary Payments Coverages A B and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal represen tative is appointed. Page 2 of 6 ISO Properties Inc. 2006 Insured Copy CG 04351207 o | 2 |
c. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Endorsement. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance ap plies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the pol icy period whichever is earlier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section lll Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the ad ministration of your employee benefit pro gram. Subject to the Aggregate Limit the Each Employee Limitis the most we will pay for all damages sustained by any one employee including damages sustained by such em ployee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administration of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be sub ject to the limits and restrictions that apply to the payment of benefits in any plan in cluded in the employee benefit program. ld The Limits of Insurance of this endorsement ap ply separately to each consecutive annual pe riod and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits Of Insurance. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The limits of insurance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Sched ule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this in surance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are re placed by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the ex tent possible notice should include 1 What the act error or omission was and when it occurred and CG 04351207 ISO Properties Inc. 2006 Insured Copy Page 3 of 6 m | 2 |
b. d. 2 3 4 2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim or suit as soon as practi cable.. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit Authorize us to obtain records and other information Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent.. Other Insurance If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is primary except when Para graph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 Wnen this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. 3 Wnen this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that ex ceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorse ment. c. Method Of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will con tribute by limits. Under this method each in surer s share is based on the ratio of its ap plicable limits of insurance to the total applicable limits of insurance of all insurers. Page 4 of 6 ISO Properties Inc. 2006 Insured Copy CG 04351207 o | 2 |
F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Pe riod provisions are added or if this endorsement is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Extended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this endorse ment or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not extend the policy period or change the scope of cover age provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not be fore the Retroactive Date if any shown in the Schedule. Once in effect the Extended Report ing Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in ac cordance with our rules and rates. In doing so we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this en dorsement for future payment of damages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period ag gregate limit of insurance described below but only for claims first received and recorded dur ing the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement un der Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to ap ply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees includ ing their dependents and beneficiaries with respect to eligibility for or scope of em ployee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. CG 04351207 ISO Properties Inc. 2006 Insured Copy Page 5 of 6 m | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafe teria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eli gibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disabil ity benefits d. Vacation plans including buy and sell pro grams leave of absence programs including military maternity family and civil leave tui tion assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively employed formerly employed on leave of absence or dis abled or retired. Employee includes a leased worker. Employee does not include a tempo rary worker. 18. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Page 6 of 6 ISO Properties Inc. 2006 Insured Copy CG 04351207 o | 2 |
COMMERCIAL GENERAL LIABILITY CG 20011219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance 2 You have agreed in writing in a contract or Condition and supersedes any provision to the agreement that this insurance would be contrary primary and would not seek contribution from any other insurance available to the Primary And Noncontributory Insurance additional insured. This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that 1 The additional insured is a Named Insured under such other insurance and CG 20011219 Insurance Services Office Inc. 2018 Insured Copy Page 1 of 1 | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG20181219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED MORTGAGEE ASSIGNEE OR RECEIVER This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Names Of Persons Or Organizations Designation Of Premises WELLS FARGO BANK AS ADMINISTRATIVE AGENT PER SCHEDULE ON FILE WITH COMPANY Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to their liability as mortgagee assignee or receiver and arising out of the ownership maintenance or use of the premises by you and shown in the Schedule. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. This insurance does not apply to structural alterations new construction and demolition operations performed by or for that person or organization. C. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable limits of insurance whichever is less. This endorsement shall not applicable limits of insurance. increase the ADMINISTRATIVE AGENT COMPANY CG20181219 Insurance Services Office Inc. 2018 Insured Copy Page 1 of 1 | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 20 26 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations BURLINGTON NORTHERN SANTA FE RAILWAY Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Il Who Is An Insured is amended to include as an additional insured the persons or organiza tions shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omis sions of those acting on your behalf A. In the performance of your ongoing operations or B. In connection with your premises owned by or rented to you. CG 20 26 07 04 ISO Properties Inc. 2004 Insured Copy Page 1 of 1 m | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 20 26 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations UNION PACIFIC RAILROAD COMPANY REAL ESTATE DEPARTMENT Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Il Who Is An Insured is amended to include as an additional insured the persons or organiza tions shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omis sions of those acting on your behalf A. In the performance of your ongoing operations or B. In connection with your premises owned by or rented to you. CG 20 26 07 04 ISO Properties Inc. 2004 Insured Copy Page 1 of 1 m | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 20 26 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations NEWLY WEDS FOODS INC. Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Il Who Is An Insured is amended to include as an additional insured the persons or organiza tions shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omis sions of those acting on your behalf A. In the performance of your ongoing operations or B. In connection with your premises owned by or rented to you. CG 20 26 07 04 ISO Properties Inc. 2004 Insured Copy Page 1 of 1 m | 2 |
POLICY NUMBER CPP850079A POLICY NUMBER CPP850079A COMMERCIAL GENERAL LIABILITY CG 20 26 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations THRESHOLD ENTERPRISES LTD Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Il Who Is An Insured is amended to include as an additional insured the persons or organiza tions shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omis sions of those acting on your behalf A. In the performance of your ongoing operations or B. In connection with your premises owned by or rented to you. CG 20 26 07 04 ISO Properties Inc. 2004 Insured Copy Page 1 of 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG20341219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. Section Il Who Is An Insured is amended to include as an additional insured any persons or organizations from whom you lease equipment when you and such persons or organizations have agreed in writing in a contract or agreement that such persons or organizations be added as an additional insured on your policy. Such persons or organizations is an insured only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your maintenance operation or use of equipment leased to you by such persons or organizations. However the insurance afforded to such additional insured 1. Only applies to the extent permitted by law and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A person s or organization s status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. B. With respect to the insurance afforded to these additional insureds this insurance does not apply to any occurrence which takes place after the equipment lease expires. C. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement you have entered into with the additional insured or 2. Available under the applicable limits of insurance whichever is less. This endorsement shall not applicable limits of insurance. increase the CG20341219 Insurance Services Office Inc. 2018 Insured Copy Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG20431219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED AUTOMATIC STATUS WHEN REQUIRED IN WRITTEN CONTRACT OR AGREEMENT COMMERCIAL GENERAL LIABILITY COVERAGE PART. Section Il Who Is An Insured is amended to include as an additional insured any persons or organizations for whom you have agreed in writing in a contract or agreement that such persons or organizations be added as an additional insured on your policy. Such persons or organizations is an additional insured only with respect to liability for 1. Bodily injury or property damage not included in the products completed operations hazard or 2. Personal and advertising injury caused by in whole or in part your acts or omissions or the acts or omissions of those acting on your behalf in the performance of your operations.. The insurance afforded to such additional insured described in Paragraph A. of this endorsement 1. Only applies to the extent permitted by law and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured.. With respect to insurance afforded to these additional insureds the following additional exclusion applies This insurance does not apply to bodily injury property damage or personal and advertising injury due to rendering of or failure to render any professional service. This includes but is not limited to 1. Legal accounting or advertising services 2. Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings or specifications 3. Inspection supervision quality control architectural or engineering activities done by or for you on a project on which you serve as construction manager This endorsement modifies insurance provided under the following 4. Engineering services including related supervisory or inspection services 5. Medical surgical dental X ray or nursing services treatment advice or instruction 6. Any health or therapeutic service treatment advice or instruction 7. Any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming or therapy 8. Any service treatment advice or instruction relating to physical fitness including service treatment advice or instruction in connection with diet cardiovascular fitness bodybuilding or physical training programs 9. Optometry or optical or hearing aid services including the prescribing preparation fitting demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices 10. Body piercing services 11. Services in the practice of pharmacy 12. Law enforcement or firefighting services and 13. Handling embalming disposal burial cremation or disinterment of dead bodies. 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. CG20431219 Insurance Services Office Inc. 2018 Insured Copy Page 1 of 2 | 2 |
D. With respect to the insurance afforded to these additional insureds the following is added to Section lll Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement described in Paragraph A. or 2. Available under the applicable limits of insurance whichever is less. This endorsement shall not increase the applicable limits of insurance. Page 2 of 2 Insurance Services Office Inc. 2018 Insured Copy CG 20431219 | 2 |
COMMERCIAL GENERAL LIABILITY CG 2106 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to p Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. 2 means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. CG 2106 05 14 Insurance Services Office Inc. 2013 Insured Copy Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21411219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION INTERCOMPANY PRODUCTS SUITS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART This insurance does not apply to any claim made or suit brought for damages by any Named Insured against another Named Insured because of bodily injury or property damage arising out of your products and included within the products completed operations hazard. CG 21411219 Insurance Services Office Inc. 2018 Insured Copy Page 1 of 1 | 2 |
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 In jury 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 demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whomany 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. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to Personal and advertising 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 demotion evaluation reassignment discipline defa mation harassment humiliation discrimina tion or malicious prosecution directed 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. CG 21471207 ISO Properties Inc. 2006 Insured Copy Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 21 60 09 98 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION YEAR 2000 COMPUTER RELATED AND OTHER ELECTRONIC PROBLEMS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Ex clusions of Section I Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclu sions of Section I Coverage B Personal And Adver tising Injury Liabili 2. Exclusions This insurance does not apply to bodily injury property damage personal injury or advertising injury or personal and advertising injury if de fined as such in your policy arising directly or in directly out of a. Any actual or alleged failure malfunction or inadequacy of 1 Any of the following whether belonging to any insured or to others a Computer hardware including micro processors b Computer application software Computer operating systems and re lated software d Computer networks e Microprocessors computer chips not part of any computer system or f Any other computerized or electronic equipment or components or 2 Any other products and any services data or functions that directly or indirectly use or rely upon in any manner any of the items listed in Paragraph 2.a.1 of this en dorsement due to the inability to correctly recognize pro cess distinguish interpret or accept the year 2000 and beyond. Any advice consultation design evaluation in spection installation maintenance repair re placement or supervision provided or done by you or for you to determine rectify or test for any potential or actual problems described in Paragraph 2.a. of this endorsement. Page 1 of 1 CG 21 60 09 98 Copyright Insurance Services Office Inc. 1998 Insured Copy | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIAEXCLUSION 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 In jury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage.. Any loss cost or expenses arising out of the abating testing for monitoring clean ing up removing containing treating de toxifying neutralizing remediating or dis posing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 ISO Properties Inc. 2003 Insured Copy Page 10f 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG21750115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM AND EXCLUSION OF OTHER ACTS OF TERRORISM COMMITTED OUTSIDE THE UNITED STATES LIQUOR LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following COMMERCIAL GENERAL 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 Any injury or damage arising directly or indirectly out of a certified act of terrorism or out of an other act of terrorism that is committed outside of the United States including its territories and possessions and Puerto Rico but within the coverage territory. However with respect to an other act of terrorism this exclusion applies only when one or more of the following are attributed to such act 1. The total of insured damage to all types of property exceeds 25000000 valued in US dollars. In determining whether the 25000000 threshold is exceeded we will include all insured damage sustained by property of all persons and entities affected by the terrorism and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions or 2. Fifty or more persons sustain death or serious physical injury. For the purposes of this provision serious physical injury means a. Physical injury that involves a substantial risk of death or b. Protracted and obvious physical disfigurement or c. Protracted loss of or impairment of the function of a bodily member or organ or 3. The terrorism involves the use release or escape of nuclear materials or directly or indirectly results in nuclear reaction or radiation or radioactive contamination or 4. The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or 5. Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials. With respect to this exclusion Paragraphs 1. and 2. describe the thresholds used to measure the magnitude of an incident of an other act of terrorism and the circumstances in which the threshold will apply for the purpose of determining whether this exclusion will apply to that incident. B. The following definitions are added 1. For the purposes of this endorsement any injury or damage means any injury or damage covered under any Coverage Part to which this endorsement is applicable and includes but is not limited to bodily injury property damage personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part. b. Protracted and obvious physical disfigurement or c. Protracted loss of or impairment of the function of a bodily member or organ or 3. The terrorism involves the use release or escape of nuclear materials or directly or indirectly results in nuclear reaction or radiation or radioactive contamination or 4. The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or 5. Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials. With respect to this exclusion Paragraphs 1. and 2. describe the thresholds used to measure the magnitude of an incident of an other act of terrorism and the circumstances in which the threshold will apply for the purpose of determining whether this exclusion will apply to that incident. B. The following definitions are added 1. For the purposes of this endorsement any injury or damage means any injury or damage covered under any Coverage Part to which this endorsement is applicable and includes but is not limited to bodily injury property damage personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part. CG 21750115 Insurance Services Office Inc. 2015 Insured Copy Page 1 of 2 | 2 |
2. 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 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 b. The act resulted in damage 1 Within the United States including its territories and possessions and Puerto Rico or 2 Outside of the United States in the case of a An air carrier as defined in Section 40102 of title 49 United States Code or 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 regardless of where the loss occurs or The premises of any United States mission and b c. 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. 3. Other act of terrorism means a violent act or an act that is dangerous to human life property or infrastructure that is committed by an individual or individuals and that appears to be part of an effort to coerce a civilian population or to influence the policy or affect the conduct of any government by coercion and the act is not a certified act of terrorism. Multiple incidents of an other act of terrorism which occur within a seventy two hour period and appear to be carried out in concert or to have a related purpose or common leadership shall be considered to be one incident. 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. Page 2 of 2 Insurance Services Office Inc. 2015 Insured Copy CG 21750115 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21870115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONDITIONAL EXCLUSION OF TERRORISM RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT 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. Applicability Of The Provisions Of This Endorsement 1. The provisions of this endorsement become applicable commencing on the date when any one or more of the following first occurs. But if your policy meaning the policy period in which this endorsement applies begins after such date then the provisions of this endorsement become applicable on the date your policy begins. a. The federal Terrorism Risk Insurance Program Program established by the Terrorism Risk Insurance Act has terminated respect to the type of insurance provided under this Coverage Part or Policy or b. A renewal extension or replacement of the Program has become effective without a requirement to make terrorism coverage available to you and with revisions that 1 Increase our statutory percentage deductible under the Program for terrorism losses. That deductible determines the amount of all certified terrorism losses we must pay in a calendar year before the federal government shares in subsequent payment of certified terrorism losses. or Decrease the federal government s statutory percentage share in potential terrorism losses above such deductible or 2 3 Redefine terrorism or make insurance coverage for terrorism subject to provisions or requirements that differ from those that apply to other types of events or occurrences under this policy. 2. If the provisions of this endorsement become applicable such provisions a. Supersede any terrorism endorsement already endorsed to this policy that addresses certified acts of terrorism andor other acts of terrorism but only with respect to an incidents of terrorism however defined which results in injury or damage that occurs on or after the date when the provisions of this endorsement become applicable for claims made policies such an endorsement is superseded only with respect to an incident of terrorism however defined that results in a claim for injury or damage first being made on or after the date when the provisions of this endorsement become applicable and b. Remain applicable unless we notify you of changes in these provisions in response to federal law. 3. If the provisions of this endorsement do NOT become applicable any terrorism endorsement already endorsed to this policy that addresses certified acts of terrorism andor other acts of terrorism will continue in effect unless we notify you of hat endorsement in 3 Redefine terrorism or make insurance coverage for terrorism subject to provisions or requirements that differ from those that apply to other types of events or occurrences under this policy. 2. If the provisions of this endorsement become applicable such provisions a. Supersede any terrorism endorsement already endorsed to this policy that addresses certified acts of terrorism andor other acts of terrorism but only with respect to an incidents of terrorism however defined which results in injury or damage that occurs on or after the date when the provisions of this endorsement become applicable for claims made policies such an endorsement is superseded only with respect to an incident of terrorism however defined that results in a claim for injury or damage first being made on or after the date when the provisions of this endorsement become applicable and b. Remain applicable unless we notify you of changes in these provisions in response to federal law. 3. If the provisions of this endorsement do NOT become applicable any terrorism endorsement already endorsed to this policy that addresses certified acts of terrorism andor other acts of terrorism will continue in effect unless we notify you of changes to that endorsement in response to federal law. CG 21870115 Insurance Services Office Inc. 2015 Insured Copy Page 1 of 2 | 2 |
B. The following definitions are added and apply under this endorsement wherever the term terrorism or the phrase any injury or damage are enclosed in quotation marks 1. Terrorism means activities against persons organizations or property of any nature a. That involve the following or preparation for the following 1 Use or threat of force or violence or 2 Commission or threat of a dangerous act or 3 Commission or threat of an act that interferes with or disrupts an electronic communication information or mechanical system and b. When one or both of the following applies 1 The effect is to intimidate or coerce a government or the civilian population or any segment thereof or to disrupt any segment of the economy or 2 It appears that the intent is to intimidate or coerce a government or to further political ideological religious social or economic objectives or to express or express opposition to a philosophy or ideology. 2. Any injury or damage means any injury or damage covered under any Coverage Part or Policy to which this endorsement is applicable and includes but is not limited to bodily injury property damage personal and advertising injury injury or environmental damage as may be defined in any applicable Coverage Part or Policy. C. The following exclusion is added EXCLUSION OF TERRORISM We will not pay for any injury or damage caused directly or indirectly by terrorism including action in hindering or defending against an actual or expected incident of terrorism. Any injury or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage. But this exclusion applies only when one or more of the following are attributed to an incident of terrorism 1. The terrorism is carried out by means of the dispersal or application of radioactive material or through the use of a nuclear weapon or device that involves or produces a nuclear reaction nuclear radiation or radioactive contamination or 2. Radioactive material is released and it appears that one purpose of the terrorism was to release such material or 3. The terrorism is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials or 4. Pathogenic or poisonous biological or chemical materials are released and it appears that one purpose of the terrorism was to release such materials or 5. The total of insured damage to all types of property exceeds 25000000. In determining whether the 25000000 threshold is exceeded we will include all insured damage sustained by property of all persons and entities affected by the terrorism and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions or 6. Fifty or more persons sustain death or serious physical injury. For the purposes of this provision serious physical injury means a. Physical injury that involves a substantial risk of death or b. Protracted and obvious physical disfigurement or c. Protracted loss of or impairment of the function of a bodily member or organ. Multiple incidents of terrorism which occur within a 72 hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident for the purpose of determining whether the thresholds in Paragraphs C.5. or C.6. are exceeded. With respect to this Exclusion Paragraphs C.5. and C.6. describe the threshold used to measure the magnitude of an incident of terrorism and the circumstances in which the threshold will apply for the purpose of determining whether this Exclusion will apply to that incident. When the Exclusion applies to an incident of terrorism there is no coverage under this Coverage Part or Policy. 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. Page 2 of 2 Insurance Services Office Inc. 2015 Insured Copy CG 21870115 | 2 |
COMMERCIAL GENERAL LIABILITY CG 241809 99 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SEED MERCHANTS COVERAGE FOR ERRONEOUS DELIVERY OR MIXTURE AND RESULTING FAILURE OF SEEDTO GERMINATE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following is added to Paragraph 1. Insuring Agreement of Section I Coverage A Bodily In jury And Property Damage Liability 1. Insuring Agreement Damages because of property damage in clude loss resulting from a. The erroneous delivery of seed which in cludes 1 The failure to deliver seed 2 The delivery of wrong seed or 3 The delivery of seed at the wrong time or season b. An error in mechanical mixture of seed or. The failure of seed to germinate if this failure is caused by 1 The delivery of wrong seed 2 The delivery of seed at the wrong time or season or 3 An error in mechanical mixture of seed. B. Exclusion m. Damage To Impaired Property Or Property Not Physically Injured under Paragraph 2. Exclusions of Section I Coverage A Bodily Inju 1y And Property Damage Liability docs not apply to any property damage described in Paragraph A. of this endorsement. Page 1of 1 CG 241809 99 Copyright Insurance Services Office Inc. 1999 Insured Copy | 2 |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.