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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. F. For the purposes of this endorsement Paragraph 4. of the Definitions Section is replaced by the following 4. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory described in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the merits according to the substantive law in such territory or in a settlement we agree to. G. The following are added to the Definitions Section 1. Workers Compensation Law means the Workers Compensation Law and any Occupational Disease Law of Ohio. This does not include provisions of any law providing non occupational disability benefits. 2. Bodily injury by accident means bodily injury sickness or disease sustained by a person including death resulting from an accident. A disease is not bodily injury by accident unless it results directly from bodily injury by accident. 3. Bodily injury by disease means a disease sustained by a person including death. Bodily injury by disease does not include a disease that results directly from an accident. H. For the purposes of this endorsement the definition of bodily injury does not apply. E. For the purposes of this endorsement Paragraph 2. Duties In The Event Of Occurrence Claim Or Suit of the Conditions in Section IV is replaced by the following 2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by disease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by disease took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit 2 Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or settlement of the claim or defense against the suit Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury to which this insurance may also apply and 5 Do nothing after an injury occurs that would interfere with our right to recover from others. 4 CG 04410311 o Insurance Services Office Inc. 2010 Page 4of 4 | 2 |
POLICY NUMBER TB2 641 444819 047 POLICY NUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 04421103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT WASHINGTON This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Limits Of Insurance Bodily Injury By Accident 1000000 Each Accident Bodily Injury By Disease 1000000 Aggregate Limit Bodily Injury By Disease 1000000 Each Employee If no entry appears above the information required to complete this endorsement will be shown in the Declara tions as applicable to this endorsement. A. The following is added to Section Coverag es COVERAGE STOP GAP EMPLOYERS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated by Washington Law to pay as damages because of bodily injury by accident or bodily injury by dis ease to your employee to which this in surance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any ac cident and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Hl Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under this coverage. No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and Employee at the time of the inju ry was covered under a worker s compensation policy and subject to a workers compensation law of Washington and 2 The a Bodily injury by accident is caused by an accident that occurs during the policy period or b c No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a b Bodily injury by accident or bodily injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and Employee at the time of the inju ry was covered under a worker s compensation policy and subject to a workers compensation law of Washington and 2 The Bodily injury by accident is caused by an accident that occurs during the policy period or CG 04421103 1SO Properties Inc. 2003 Page 1 of 4 o | 2 |
bl Statutory Obligations Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Contractual Liability Liability assumed by you under any con tract or agreement. Violation Of Law Bodily injury by accident or bodily injury by disease suffered or caused by any employee while employed in violation of law with your actual knowledge or the ac tual knowledge of any of your executive officers. Termination Coercion Or Discrimination Damages arising out of coercion criticism demotion evaluation reassignment disci pline defamation harassment humilia tion discrimination against or termination of any employee or arising out of other employment or personnel decisions con cerning the insured.. Failure To Comply With Workers Compensation Law Bodily injury by accident or bodily injury by disease to an employee when you are 1 Deprived of common law defenses or 2 Otherwise subject to penalty because of your failure to secure your ob ligations or other failure to comply with any workers compensation law.. Violation Of Age Laws Or Employment Of Minors Bodily injury by accident or bodily injury by disease suffered or caused by any person 1 Knowingly employed by you in violation of any law as to age or 2 Under the age of 14 years regardless of any such law.. Federal Laws Any premium assessment penalty fine benefit liability or other obligation imposed by or granted pursuant to 1 The Federal Employer s Liability Act 45 USC Section 51 60 2 The Non appropriated Fund Instrumen talities Act 5 USC Sections 8171 8173 b Bodily injury by disease is caused by or aggravated by conditions of employment by you and the injured employee s last day of last expo sure to the conditions causing or aggravating such bodily injury by disease occurs during the policy period. c. The damages we will pay where recovery is permitted by law include damages 1 For a Which you are liable to a third party by reason of a claim or suit against you by that third party to re cover the damages claimed against such third party as a result of injury to your employee b Care and loss of services and c Consequential bodily injury by accident or bodily injury by dis ease to a spouse child parent brother or sister of the injured em ployee provided that these damages are the direct consequence of bodily injury by accident or bodily injury by disease that arises out of and in the course of the injured employee s employment by you and 2 Because of bodily injury by accident or bodily injury by disease to your employee that arises out of and in the course of employment claimed against you in a capacity other than as em ployer. 2. Exclusions This insurance does not apply to a. Intentional Injury Bodily injury by accident or bodily injury by disease intentionally caused or aggra vated by you or bodily injury by accident or bodily injury by disease resulting from an act which is determined to have been committed by you if it was reasonable to believe that an injury is substantially cer tain to occur. b. Fines Or Penalties Any assessment penalty or fine levied by any regulatory inspection agency or au thority. CG 04421103 o ISO Properties Inc. 2003 Page 2 of 4 | 2 |
3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sec tions 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sec tions 1801 1872 8 Any other workers compensation unemployment compensation or disa bility laws or any similar law or 9 Any subsequent amendments to the laws listed above. Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages A and B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the follow ing If you are designated in the Declarations as 1. An individual you and your spouse are in sureds but only with respect to the conduct of a business of which you are the sole owner. 2. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. 3. Alimited 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 re spect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and direc tors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named In sured in the Declarations. D. For the purposes of this endorsement Section Il Limits Of Insurance is replaced by the follow ing 1. The Limits of Insurance shown in the Sched ule of this endorsement and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Bodily Injury By Accident Each Acci dent Limit shown in the Schedule of this en dorsement is the most we will pay for all dam ages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorse ment is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily in jury by disease. 4. Subject to Paragraph D.3. of this endorse ment the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by dis ease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. CG 04421103 ISO Properties Inc. 2003 Page 3 of 4 o | 2 |
E. For the purposes of this endorsement Condition 2. Duties In The Event Of Occurrence Claim Or Suit of the Conditions Section IV is deleted and replaced by the following 2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by dis ease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by dis ease took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or set tiement of the claim or defense against the suit Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury to which this insurance may also apply and Do nothing after an injury occurs that would interfere with our right to recover from others. 2 4 5 d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any expense other than for first aid without our consent. F. For the purposes of this endorsement Paragraph 4. of the Definitions Section is replaced by the following 4. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory de scribed in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the mer its according to the substantive law in such territory or in a settiement we agree to. G. The following are added to the Definitions Sec tion 1. Workers Compensation Law means the Workers Compensation Law and any Occu pational Disease Law of Washington. This does not include provisions of any law provid ing non occupational disability benefits. 2. Bodily injury by accident means bodily injury sickness or disease sustained by a person including death resulting from an accident. A disease is not bodily injury by accident un less it results directly from bodily injury by ac cident. 3. Bodily injury by disease means a disease sustained by a person including death. Bodi ly injury by disease does not include a dis ease that results directly from an accident. H. For the purposes of this endorsement the defini tion of bodily injury does not apply. CG 04421103 ISO Properties Inc. 2003 Page 4 of 4 | 2 |
POLICY NUMBER TB2 641 444819 047 POLICY NUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 04441103 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. STOP GAP EMPLOYERS LIABILITY COVERAGE ENDORSEMENT WYOMING This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Limits Of Insurance Bodily Injury By Accident 1000000 Each Accident Bodily Injury By Disease 1000000 Aggregate Limit Bodily Injury By Disease 1000000 Each Employee If no entry appears above the information required to complete this endorsement will be shown in the Declara tions as applicable to this endorsement. A. The following is added to Section Coverag The tender of the limits of insurance es before judgment or settlement does not COVERAGE STOP GAP EMPLOYERS relieve us of our duty to defend. LIABILITY No other obligation or liability to pay sums or perform acts or services is covered un 1. Insuring.Agreement. less explicitly provided for under Supple a. We will pay those sums that the insured mentary Payments. becomes legally obligated by Wyoming L N e Law to pay as damages because of bodily b. Th mstranse aples to boqlly injury by injury by accident or bodily injury by dis 9ccdent or bodily injury by disease only ease to your employee to which this in if surance applies. We will have the right 1 The and duty to defend the insured against any a Bodily injury by accident or bodily suit seeking those damages. However ini i i we will have no duty to defend the insured.cj xrtg Iwkes place in the against any suit seeking damages to which this insurance does not apply. We b Bodily injury by accident or bodily may at our discretion investigate any ac injury by disease arises out of and cident and settle any claim or suit that in the course of the injured em may result. But ployee s employment by you and 1 The amount we will pay for damages is c Employee at the time of the inju limited as described in Section Il ry was covered under a worker s Limits Of Insurance and compensation policy and subject to 2 Our right and duty to defend end when svyggligersanzompensatlon faw of we have used up the applicable limit of g insurance in the payment of judgments 2 The or settlements under this coverage. a Bodily injury by accident is caused by an accident that occurs during The tender of the limits of insurance before judgment or settlement does not relieve us of our duty to defend. No other obligation or liability to pay sums or perform acts or services is covered un less explicitly provided for under Supple mentary Payments. b. This insurance applies to bodily injury by accident or bodily injury by disease only if 1 The a Bodily injury by accident or bodily injury by disease takes place in the coverage territory Bodily injury by accident or bodily injury by disease arises out of and in the course of the injured em ployee s employment by you and Employee at the time of the inju ry was covered under a worker s compensation policy and subject to a workers compensation law of Wyoming and 2 The a Bodily injury by accident is caused by an accident that occurs during the policy period or b c CG 04441103 1SO Properties Inc. 2003 Page 1 of 4 o | 2 |
Statutory Obligations Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Contractual Liability Liability assumed by you under any con tract or agreement. Violation Of Law Bodily injury by accident or bodily injury by disease suffered or caused by any employee while employed in violation of law with your actual knowledge or the ac tual knowledge of any of your executive officers. Termination Coercion Or Discrimination Damages arising out of coercion criticism demotion evaluation reassignment disci pline defamation harassment humilia tion discrimination against or termination of any employee or arising out of other employment or personnel decisions con cerning the insured.. Failure To Comply With Workers Compensation Law Bodily injury by accident or bodily injury by disease to an employee when you are 1 Deprived of common law defenses or 2 Otherwise subject to penalty because of your failure to secure your ob ligations or other failure to comply with any workers compensation law.. Violation Of Age Laws Or Employment Of Minors Bodily injury by accident or bodily injury by disease suffered or caused by any person 1 Knowingly employed by you in violation of any law as to age or 2 Under the age of 14 years regardless of any such law. Federal Laws Any premium assessment penalty fine benefit liability or other obligation imposed by or granted pursuant to 1 The Federal Employer s Liability Act 45 USC Section 51 60 2 The Non appropriated Fund Instrumen talities Act 5 USC Sections 8171 8173 b Bodily injury by disease is caused by or aggravated by conditions of employment by you and the injured employee s last day of last expo sure to the conditions causing or aggravating such bodily injury by disease occurs during the policy period. c. The damages we will pay where recovery is permitted by law include damages 1 For a Which you are liable to a third party by reason of a claim or suit against you by that third party to re cover the damages claimed against such third party as a result of injury to your employee b Care and loss of services and c Consequential bodily injury by accident or bodily injury by dis ease to a spouse child parent brother or sister of the injured em ployee provided that these damages are the direct consequence of bodily injury by accident or bodily injury by disease that arises out of and in the course of the injured employee s employment by you and Because of bodily injury by accident or bodily injury by disease to your employee that arises out of and in the course of employment claimed against you in a capacity other than as em ployer. d. Damages include prejudgment interest awarded against the insured. 2. Exclusions This insurance does not apply to a. Intentional Injury Bodily injury by accident or bodily injury by disease intentionally caused or aggra vated by you or bodily injury by accident or bodily injury by disease resulting from an act which is determined to have been committed by you if it was reasonable to believe that an injury is substantially cer tain to occur. b. Fines Or Penalties Any assessment penalty or fine levied by any regulatory inspection agency or au thority. 2 CG 04441103 a ISO Properties Inc. 2003 Page 2of 4 | 2 |
3 The Longshore and Harbor Workers Compensation Act 33 USC Sections 910 950 4 The Outer Continental Shelf Lands Act 43 USC Section 1331 1356 5 The Defense Base Act 42 USC Sec tions 1651 1654 6 The Federal Coal Mine Health and Safety Act of 1969 30 USC Sections 901 942 7 The Migrant and Seasonal Agricultural Worker Protection Act 29 USC Sec tions 1801 1872 8 Any other workers compensation unemployment compensation or disa bility laws or any similar law or 9 Any subsequent amendments to the laws listed above. Punitive Damages Multiple exemplary or punitive damages. k. Crew Members Bodily injury by accident or bodily injury by disease to a master or member of the crew of any vessel or any member of the flying crew of an aircraft. B. The Supplementary Payments provisions apply to Coverage Stop Gap Employers Liability as well as to Coverages A and B. C. For the purposes of this endorsement Section Il Who Is An Insured is replaced by the follow ing If you are designated in the Declarations as 1. An individual you and your spouse are in sureds but only with respect to the conduct of a business of which you are the sole owner. 2. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. 3. Alimited 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 re spect to their duties as your managers. 4. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and direc tors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. No person or organization is an insured with re spect to the conduct of any current or past part nership joint venture or limited liability company that is not shown as a Named Insured in the Dec larations.. For the purposes of this endorsement Section Il Limits Of Insurance is replaced by the follow ing 1. The Limits of Insurance shown in the Sched ule of this endorsement and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The Bodily Injury By Accident Each Acci dent Limit shown in the Schedule of this en dorsement is the most we will pay for all dam ages covered by this insurance because of bodily injury by accident to one or more employees in any one accident. 3. The Bodily Injury By Disease Aggregate Limit shown in the Schedule of this endorse ment is the most we will pay for all damages covered by this insurance and arising out of bodily injury by disease regardless of the number of employees who sustain bodily in jury by disease. 4. Subject to Paragraph D.3. of this endorse ment the Bodily Injury By Disease Each Employee Limit shown in the Schedule of this endorsement is the most we will pay for all damages because of bodily injury by dis ease to any one employee. The limits of the coverage apply separately to each consecutive annual period and to any re maining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is ex tended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance.. For the purposes of this endorsement Condition 2. Duties In The Event Of Occurrence Claim Or Suit of the Conditions Section IV is deleted and replaced by the following CG 04441103 ISO Properties Inc. 2003 Page 3 of 4 a | 2 |
F. For the purposes of this endorsement Paragraph 4. of the Definitions Section is replaced by the following 4. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above or c. All other parts of the world if the injury or damage arises out of the activities of a person whose home is in the territory de scribed in a. above but who is away for a short time on your business provided the insured s responsibility to pay damages is determined in the United States including its territories and possessions Puerto Rico or Canada in a suit on the mer its according to the substantive law in such territory or in a settlement we agree to. G. The following are added to the Definitions Sec tion 1. Workers Compensation Law means the Workers Compensation Law and any Occu pational Disease Law of Wyoming. This does not include provisions of any law providing non occupational disability benefits. 2. Bodily injury by accident means bodily injury sickness or disease sustained by a person including death resulting from an accident. A disease is not bodily injury by accident un less it results directly from bodily injury by ac cident. 3. Bodily injury by disease means a disease sustained by a person including death. Bodi ly injury by disease does not include a dis ease that results directly from an accident. H. For the purposes of this endorsement the defini tion of bodily injury does not apply. 2. Duties In The Event Of Injury Claim Or Suit a. You must see to it that we or our agent are notified as soon as practicable of a bodily injury by accident or bodily injury by dis ease which may result in a claim. To the extent possible notice should include 1 How when and where the bodily injury by accident or bodily injury by dis ease took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the injury claim proceeding or suit 2 Authorize us to obtain records and other information 3 Cooperate with us and assist us as we may request in the investigation or set tlement of the claim or defense against the suit 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury to which this insurance may also apply and 5 Do nothing after an injury occurs that would interfere with our right to recover from others. d. No insured will except at that insured s own cost voluntarily make a payment as sume any obligation or incur any expense other than for first aid without our consent. CG 04441103 o ISO Properties Inc. 2003 Page 4 of 4 | 2 |
POLICYNUMBER TB2 641 444819 047 POLICYNUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG20120413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POITICAL SUBDIVISION PERMITS OR AUTHORIZIIONS This endorsemert modifies insurance provided under the following N COMMERCIAL GENERAL LIABILITY COVERAGE PART S A. Section Il Who Is An Insured is amended to nls uary.ges not apply to include as an additional insured any state or a. Bodiy infry propery damage or govemmental agency or subdivision or political. subdivision shown in the Schedule subject to the egggpg ot R ey following provisions gowgrmmeistate or municipality or 1. This insurance applies only with respect to Bodily i anur or property damage operations performed by you or on your behalf fgi. ncuded thm the products cormlelgd which the state or govemmental agency W rd. subdivision or political subdivision has isst a R permit or authorization. B mmd to fhe inswrance afforded to these i N adgfforal Tswds the folowing is added to However N Sectlg r Il Limits Of Insurance i a. The insurance afforded to such additional. If colerage provided to the additional insured is insured only applies to the eem by req d by a contract or agreement the most we law and Il on behalf of the additional insured is the b. If coverage provided to the ddl naigsud wino of insurance is required by a contract 4r agfeemest tfe. Requred by the contract or agreement or insurance afforded to sugh additional insured will not be broader thaf. hat WNCVOWFJ Available under the apphgabk Limits of required by the contract o er agreenyert to Insurance shown in the Declarations provide for such additional lnstd whichever is less. o TN N This endorsement shall not increase the applicable s e U Limits of Insurance shown in the Declarations. SCHEDULE State Or Governmeal Aqncy Oor Subdlwsloh Or Political Subdivision Where required by contract brwmten agement. Information required to complete ssmedue m not shown above will be shown in the Declarations. rd Insurance Senvices Office Inc. 2012 CG 20120413 Page 1 of 1 | 2 |
POLICYNUMBER TB2 641 444819 047 POLICYNUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 20260413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED DESIGNATED PERSON OR ORGANIZATION s This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART T Y A. Section Il Who Is An Insured is amended to B. With rs to the insuram eaoufed to these include as an additional insured the persons or addigional insureds the following is added to organizations shown in the Schedule but only ion ll LisitsOf Insurance with respect to liabilty for bodily injury property covrage grovigded to the addiional insured is damage or personal and advertising injury fequired bya cofiract or agreement the most we cased In whole or In par by yow acsor m on betialf of the additional insured is the omissions or the acts or omissions of those acting amountokinsurare onyour behalf 1. In the performance of your ongoing operations. 1 Requredbyqe congact or agreement or 2 Available untier the applicable Limits of. Insuranceshewn in the Declarations.. e whid ver.lEsi or 2. In connection with your premises owned by or rented to you. N However i endorsement shall not increase the applicable 1. The insurance afforded to such additional N lelv Insurance shown in the Declarations. insured only applies to the extent periitted law and S Y. AN N 2. If coverage provided to the addmnal nsu is N required by a contract or Agregment lhe.f insurance afforded to such dditiegal indured will not be broader than thatwhich ySu gre required by the contract or agreement to provide for such additional insured. e TN RN oo SCHEDULE Name Of Additional Irure derson Organizations As required by comct or gggenem The hase required by cortract or agreement shall read to include parties with a financial imeresNthe pmgct as ideftified by the project owner and approved in writing by the First Named gpertyeqayege lent interest in the project or property and approved in writing by the. ey Insured or persons with a First Named Insured.. Information required to complete this Sehidyl if not shown above will be shown in the Declarations. AL Insurance Senvices Office Inc. 2012 CG 20260413 Page 1 of 1 | 2 |
POLICYNUMBER TB2 641 444819 047 POLICYNUMBER TB2 641 444819 047 COMMERCIAL GENERAL LIABILITY CG 20320413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED ENGINEERS ARCHITECTS OR SURVEYORS NOT ENGAGED BY THE NAMED INSURED 7 This endorsement modifies insurance provided under the following 4 CN COMMERCIAL GENERAL LIABILITY COVERAGE PART.. A. Section Il Who Is An Insured is amended to panng approving or fadng to prepare include as an additional insured the architects or app maps drawings opinions engineers or surveyors shown in the Schedule srvegg change orders designs or but only with respect to liability for bodily injury g schlh or property damage or personal and advertisi.. P rur gsed irngnle orpienpan. by 9 ZSl.perwsoy inspection or engineering o sevqges. 1. Your acts or omissions or This exclusnbnapp even if the claims against 2. The acts or omissions of those acting on ny insured Ile negligence or other your behalf Fn supervision hiring.. N employment trajfing or monitoring of others by in the performance of your ongoing operations tlnsyvedgfje ccurreme which caused the performed by you or on your behalf. y iy or property damage or the Such architects engineers or surveyors while N offe which caused the personal and ot engaged by you gare contractually yq 10 adh msmg injury involved the rendering of or the be added as an additional insured to you pollcy N falll.ieto render any professional services. L the ffordd 6 h C. Mth Jespect to the insurance afforded to these o g T2 q SD adeforal insureds the folowing is. added fo Scon Il Limits of Inurance TTThe most we will pay on behalf of the additional e 1. Only applies to the ederlperml gy Iaw and 4 C insured is the amount of insurance.. AL 2. Will not be broader than that whickhyou al required by the conffact OFageeq gK 1. Required by the contract or agreement or provide for such agdifonglinsured. N 2. Available under the applicable Lmiits of B. With respect to msdme af W se Insurance shown in the Declaration additional ins following ddl jonal whichever is less. exclusion appliesi 1 e This endorsement shall not increase applicable This insurance does aw ity ipjury Limits of Insurance shown in the Declarations. property damage or pt rtising injury arising out of the rend of or tHe failure to render any professional semcev.qcludlrg SCHEDULE Name Of Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured As required by contract or agreement. The phrase required by contract or agreement shall read to include parties with financial interest in the project as identified by the project owner and approved in writing by the First Named. Information required to complete this Schedule if not shown above will be shown in the Declarations. provided under the following LITY COVERAGE PART d is amended to d the architects in the Schedule for bodily injury and advertising by Insurance Senvices Office Inc. 2012 CG 20320413 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 20340413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT Wll YOU. This endorsement modifies insurance provided under the following NS N I S COMMERCIAL GENERAL LIABILITY COVERAGE PART s Jf SN 7y A. 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. TN. Egem Afe n s or brgapization s status as an additional nsured t this endorsement ends when their comtract or agreement with you for such leased equi ends quiprert e N B. With respect. to thNpsurance afforded to these.. additional insureds thi insurance does not apply o amyaccurencet which takes place after the wipmm lea ires. bVWWres losthe insurance afforded to these itiondl insureds the following is added to i Il Limits Of Insurance Theimost we will pay on behalf of the additional However the insurance afforded to sych ad ditional s isthe amount of insurance insured 7 i IR Reduired by the contract or agreement you 1. Only applies to the extent permitid brw and L b entered into with the additional insured or U are fent f6 4 2. Will not be broader than tifat whish required by the contract or. agreel provide for such additional insured. w. N 2 Available under the appiicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance showninthe Declarations. Insurance Senvices Office Inc. 2012 CG 20340413 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following SCHEDULE Name Of Additional Insured Persons Or Organizations As required by contract or agreement. The phrase required by contract or agreement shall read to include parties with a financial interest in the project as identified by the project owner and approved in writing by the First Named Insured or persons with a property or management interest in the project or property and approved in writing by the First Named Insured. Locations Of Covered Operations Any locations in such contract Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations desig nated above. B. With respect to the insurance afforded to these additional insureds the following additional exclu sions apply This insurance does not apply to bodily injury or property damage occurring after 1. All work including materials parts or equip ment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or Any locations in such contract CG 201007 04 ISO Properties Inc. 2004 Page 1 of 2 | 2 |
2. That portion of your work out of which the injury or damage arises has been put to its in tended use by any person or organization other than another contractor or subcontractor en gaged in performing operations for a principal as a part of the same project. 180 Properties Inc. 2004 CG 201007 04 Page 2 of 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Location And Description Of Completed Operations As required by contract or agreement. The phrase required by contract or agreement shall read to include parties with a financial interest in the project as identified by the project owner and approved in writing by the First Named Insured or persons with a property or management interest in the project or property and approved in writing by the First Named Insured. Any locations in such contract Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury or property dam age caused in whole or in part by your work at the location designated and described in the sched ule of this endorsement performed for that additional insured and included in the products completed operations hazard. Any locations in such contract CG 203707 04 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM i 7 This endorsement modifies insurance provided under the following. COMMERCIAL GENERAL LIABILITY COVERAGE PART 4 LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITYCOVERAGRRRI POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. A. If aggregate insured losses attributable to terrorist 2. act a violent act or an act that is acts certified under the federal Terrorism Risk dangerous fo.human life property or Insurance Act exceed 100 billion in a calendar infrastruct andis committed by an individual year and we have met our insurer deductible under NNQLinx lividual aan of an effort to coerce the the Terrorism Risk Insurance Act we shall not b Civili uatioh of the United States or to liable for the payment of any portion of the amount oinfluence the Policy or affect the conduct of the of such losses that exceeds 100 billion and in ltey stazeovermem by coercion. such case insured losses up to that amount are B. fms and limitations of a ny terorism subject to pro rata allocation in accordance with exclugion or the inapplicability or omission of a proceduresestablished by the Seuetaryetqe temdism exclusion do not serve to create Treasuy coverage for injury or damage that is otherwise Certified act of terrorism means QXf s egudd under this Coverage Part. certified by the Secretary of Trvasury accordance with the prOVISIOr ral 1 J Temorism Risk Insurance Actyto ban mt of 4 terrorism pursuant to such. The i contained in the Terrorism Risk Insurance Act certified act of terrorism incl gme follmlg 1. The act resulted in ipSured IosseSi excesg of 5 million in the ttributable to types of insurancg slgzalaeeuns RISk Insurance Act ahd. S N Insurance Senvices Office Inc. 2015 CG21700115 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21760115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM.. This endorsement modifies insurance provided under the following N N COMMERCIAL GENERAL LIABILITY COVERAGE PART SN. LIQUOR LIABILITY COVERAGE PART. v OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVEI E PART POLLUTION LIABILITY COVERAGE PART S PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion s added 2. The act mact or an act that is This insurance does not apply to Vs e dangefous nlgs byprop sy o al Is commii an individual TERRORISM PUNITIVE DAMAGES AN or rddelaisa part of an effort to coerce the Damages arising directly or indirectly out of a hanmu on of the United States or to certified act of terrorism that are awarded as e thpolicy or affect the conduct of the punitive damages. Un States Govemmentby coercion. B. The following definition is added f CIhe erms and limitatons of any terrorism Certified act of terrorism means an act that is tqclus n or the inapplicability or omission of a certified by the Secretary of the Areasiiyin gns exclusion do not sere to create accordance with the provisions Ff the fedegal S o je for injury or damage that is otherwise Terrorism Risk Insurance Act 6 an ac of excindled under this Coverage Part terrorism pursuant to such Act gena W cortained in the Terrorism Risk hsirapce A foa certified act of terrorism include the following 1. The act resulted in insyred io35es in e 5 milion in the aggfegate attribi a types of msurance subebihe T orism Risk Insurance AcVard l Yol N J N 7 N N K POLICY S Insurance Services Office Inc. 2015 CG21760115 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26860115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARKANSAS EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following k COMMERCIAL GENERAL LIABILITY COVERAGE PART i LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILIIVCOVERAGE PAY POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE RT N N RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added BThe actas a violent act or an act that is This insurance does not apply to b ns clmmggpeg r TERRORISM PUNITIVE DAMAGES S ndeLaor i lduals as part of an effort Damages arising directly or indirectly out of a tocoerce e civilian popuation of the certified act of temorism that are awarded as Unltestates or to influence the policy or punitive damages. vaffecl the onduct of the United States B. The following definitions are added E meftby coercion. 1. Certified act of terrorism means an act that is 27Pyitive damages means damages that may beimposed to punish a wrongdoer and to deter certified by the Secretary of the Tr AN it accordance with the provisions of zsgge 5 O rs from similar conduct. Terrorism Risk Insurance Adt to e mof C. The s and limitations of any terorism terrorism pursuant to such A critefia exchysjon or the inapplicability or omission of a contained in the Temorism Risk In rance Act TTergism exclusion do ot sene to create for a certified act of terrosm If the coyrage for injury or damage that is otherwise following T gxcluded under this Coverage Part. a. The act resulted in insured Iosss. Jn excess of 5 milion in the aggregateattribtable to all types of insufance subject to b Terrorism Risk Insira and K K POLICY. Insurance Senvices Office Inc. 2015 CG 26 860115 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26930115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ALASKA EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERR9RI5 M v s This endorsement modifies insurance provided under the following YA COMMERCIAL GENERAL LIABILITY COVERAGE PART N LIQUOR LIABILITY COVERAGE PART N OWNERS AND CONTRACTORS PROTECTIVE LIABILITYCOVERAGE PRT s POLLUTION LIABILITY COVERAGE PART P v PRODUCTS COMPLETED OPERATIONS LIABLITVCOVERAE y RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusionis added 2. The aCIS a Viglent act or an act that is This insurance does not apply to f T dagefre o s mmg byggdugl TERRORISM PUNITIVE DAMAGES A rx lMEsas part of an effort to coerce the Damages arising out of a certified act of terrorism n popuation of the United States or to that are awarded as punitive damages. policy or affect the copduct of the B. The following defirtioniis added N States Govemmert by coercion. Ihe1 terms and limitations of any temorism Certified act of terrorism means a N excl ion or the inapplicability or omission of a certified by the Secretary of the sury accordance with the provisions of thefederal Beron exclusion do not sene to create Temorism Risk Isurance Act tgbe en act of cdveage for injury or damage thatis otherwise terrorism pursuant to such na led under this Coverage Part. contained in the Terrorism Risk uratq for a. certified act of terrorism include the followii ST 1. The act resulted in insured losses in excemf 5 million in the aggregate atyibutable to al types of insurance Subject to e Terforism Risk rsuanceActnd V4 Insurance Senvices Office Inc. 2015 CG 26930115 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION g VA This endorsement modifies insurance provided under the following 4 7 COMMERCIAL GENERAL LIABILITY COVERAGE PART g I L NN A. The following exclusion is added to Paragraph 2. B. The foll excluslon s ded wEaragraph 2 Exclusions of Section Coverage A Bodily Exclugions of Section ver je B Per Injury And Property Damage Liability yfAndeemsmg Injury Liabifity This insurance does not apply to insyfance esml apply to Bodily injury to Iand adfmsmg injury to 1 A person arising out of any 1N persa anslng out of any a Refusalto employ that person aRgfusal toempbythat person b Termination of that person s employment b TeWn bf that person s employment or S OF c Employment related practices policies c EMpisymgmlated practices policies acts or omissions such as coercion demo.5 acts or ompsions such as coercion demo tion evaluation reassignment discipline eygluation reassignment discipline defamation harassment humiliation dis efamation harassment humiliation dis crimination or malicious prosecution di crimination or malicious prosecution di rected at that person or TN rected at that person or 2 The spouse child parent bmther cr slster L 2 Thg spouse child parent brother or sister of that person as a consequence ofbodjy inj tha person as a consequence of personal and to that person at whom anyaf emplo.. dvertising injury to that person at whom any related practices described inPardgraphs a f the employment related practices described b or c above is directed. in Paragraphs a b or c above is directed. J This exclusion applies 4 This exclusion applies 1 Whether the injury causing event dbsgibediu 1 Whether the injury causing event described in Paragraphs a b orA abovEcurs fore Paragraphs a b or c above occurs before employment dmng emploment onafter S employment during employment or after em ployment of that peySon Ny. ployment of that person 2 Whether the msuredfmay be liabias aly em 2 Whether the insured may be liable as an em ployer orlnaroerlsaeaclly and 3 ployer or in any other capacity and 3 To any obligatidn to shargrdamagg s ith or 3 To any obligation to share damages with or repay someone elSewho usp ay dafnages repay someone else who must pay damages because of the i rgury because of the injury. Ny N d to Paragraph 2. erage A Bodily bility Son CG 21471207 IS0 Propetties Inc. 2006 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21651204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION WITH A BUILDING HEATING COOLING AND DEHUMIDIFYING EQUIPMENT EXCEPTION AND A HOSTILE FIRE EXQPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABLITY COVERAGE PART Exclusion f. under Paragraph 2. Exclusions of Sec tion Coverage A Bodily Injury And Property Damage Liability is replaced by the following This insurance does not apply to 1. SVAN. i s Rremises site or location on ny insured or any contractors or.subcontfactors working directly or indi Yectly on any insured s behalf are per formiing operations to test for monitor f. Pollution N Iean remove contain treat detox 1 Bodily injury or property damage which. utrali2 g or in any way respond to would not have occurred in whole or part but for. or as s th effects of pollutants. the actual alleged or threatened discharges 2 Any losscost ising out of dispersal seepage migration release or es L 0S5 aexpense ansing outof any cape of poliutants at any time. Request Gemand order or statutory or AV This exclusion does not apply to a Bodily injury if sustained within a building S which is or was at any time owned or occ pied by or rented or loaned no any. J ured and caused by smoke fmeS vapav or oot produced by or originating ulpmem Jaremmmey that is used to heat cool d md building or equipment that is us heapu water for personal use by butldlng 505 cupants or their guests or N Bodily injury or property ge nsmg N out of heat smok or fumes irona ho fire unless that e occmed o. originated e Atany emlss site or ocandn which is or was atany tine..used by or for in sured or o for the. handii Zgge disposal proc sgvng Or featilent of waste or b ulato requirement that any insured or others test for monitor clean up remove contain treat detoxify or reutralize or in ony way respond to or assess the effects f poliutants or Clalm or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up remov ing containing treating detoxifying or neu tralizing or in any way responding to or as sessing the effects of pollutants. ce provided under the following ILITY COVERAGE PART Exclusions of Sec 0 njury And Property e following O. v damace which ISO Properties Inc. 2003 CG 21651204 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred inwhole or in part but for the actual alleged or threatened in halation of ingestion of contact with expo... sure to existence of or presence of an or fungi or bacteria on or within a building R structure including its contents regardless of whether any other cause event material or product contributed concurrently orinany sequence to such injury or damage. e. Any loss cost or expenses anslpg om of tha abating testing for monitoringcleaning up removing containing treating qtmafwxg neutralizing remediating of disj slngqf P in any way responding to or ssing the effects of fungi or bacteria by any i or by any other person or emq This exclusion does not appg o anymgl En bacteria that are are6h or are tortainethin a good or produc nnd d ioKbodlyVsunp 7 C. tion. G. The follo ng xcluslon s.addex Paragraph 2. ExlusmlI f Section overage B Per sonaxnd Mvemslng Injury L1 Luty 2. xc yslons Thig nsuance d6es not apply to Fuhor Baerla PersorR and advertising injury which ve taken place in whole or in part for ackal alleged or threat ened amo of ingestion of contact to existence of or presence e of any i or bacteria on or within a 7 bui structure including its contents ardiess of whether any other cause evenl. material or product contributed con curently or in any sequence to such injury. b Any loss cost or expense arising out of the S bating testing for monitoring cleaning up removing containing treating detoxifying 7 neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. 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. Paragraph 2. e A Bodily ty mage which ole or in part hreatened in ISO Properties Inc. 2003 CG 21671204 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG22800413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED EXCLUSION CONTRACTORS PROFESSIONAL LIABILITV This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or failure to render any professional services by you but only with respect to. your prowdlng engineering architectural or surveying This exclusfon pplles even if th qlail against any insured Iege negligence or other wmrdolng in the supervigion Aiiring loyment training or monitoring of otifers By that insysd if the occurence which cauged me ly injery or property damage or the offer whccaused the personal and advertising injury rendering of or failure to render any pi fess services by you with respect to your providing engihegring architectural or surveying semces in your capacity as an engineer architect or surveyor. R services in your capacity as an engineer architect ol surveyor. R uslor doesnot apply to your operations in Professional senvices include N S m truction work performed by you 1. Preparing approving or failing to prepare or approve maps shop drawings opinions AN surveys field orders change orders o drawmgs 5 and specifications and AN 2. Supenisory or inspection actlvmei periormedas. y part of any related archlechta or engme ng 7 activities. Insurance Services Office Inc. 2012 CG 228004 13 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Nuclear Energy Liability Exclusion Endorsement Broad Form This endorsement modifies the insurance provided under the following 1. COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART. LIQUOR LIABILITY COVERAGE PART N MEDICAL PROFESSIONAL LIABILITY COVERAGE PART. OWNERS AND CONTRACTORS PROTECTIVE LIABILVTYCOVERAGE PART POLLUTION LIABILITY COVERAGE PART v. PRODUCTS COMPLETED OPERATIONS LIABILIT COERAIPART RAILROAD PROTECTIVE LIABILITY COVERAyfyPA Sy UNDERGROUND STORAGE TANK POLICY Ve L. Y S The insurance does not apply 4 S A. Under any Liability Coverage to bodily injury or property damagX pLoPe o S 1 With respect to which an insured under th policy is also znmcdjlndnnuclear energy liability policy issued by Nuclear Energy Liability Insurance Asse STt utual Atomic Energy Liability Underwriters Nuclear Insurance Association of Canada or any of theithsuccegsors or wgutd beAn insured under any such policy but for its termination upon exhaustion of its limit of liaiqity br Resulting from the hazardous proj ewftmcleatmateal and with respect to which a any person or organization is required to maintdin financia roteclio.pursgnt to the Atomic Energy Act of 1954 or any law amendatory thereof or b thginsyrds orthad this pblcy ot been issued would be entitled to indemnity from the United States of Americd or afy acy hereof undergriy agreement entered into by the United States of America or any agency threoff with apy pefSon ororgax on.. Under any Medical Payments Covgrage Y0 explnses incurred with respect to bodily injury resulting from the hazardous properties of nuclear Ihaterial md arising out of the operation of a nuclear facility by any person or proper g pe organization. T NN. Under any Liabi Co m4Q bodil inquproperty damage resulting from the hazardous properties of nuclear materiat if i g NN 1 The nuear malrial a is at any nuclear facility owned by or operated by or on behalf of an insured or b has beeischarge.gr dispdt ferefrom 4 2 The nuclear materils containedin spent fuel or waste at any time possessed handled used processed stored transported or dis scd by or on behalf of an insured or 3 The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. ISO Properties Inc. 2007 Page 1 of 2 IL 00 21 09 08 09 08 | 2 |
As used in this endorsement Hazardous properties include radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel component solid or liquid which haybecnd or exposed to radiation in a nuclear reactor. N. Waste means any waste material a containing by product material omq thapihe mgs orwagtes pmduced by the extraction or concentration of uranium or thorium from any ore processed ly for its irce m al content and b resulting from the operation by any person or organization of any cl faclhty includs der 4 first two paragraphs of the definition of nuclear facility. Nuclear facility means Ve. a Any nuclear reactor S 7. o b Any equipment or device designed or used for 1 separating thoggpes Sium or plutonium 2 processing or utilizing spent fuel or 3 handling procegsing or packaging w.. Any equipment or device used for the processing fabricating or alloy 6ying.of special nuclear material if at any time the total amount of such material in the ctstod The msumd at premises where such equipment or device is located consists of or contains more th zis offut or uranium 233 or any combination thereof or more than 250 grams of uranium 235 N d Any structure basin excavation premwes place pkgaredor used for the storage or disposal of waste and includes the site on which any of fhe forg Ifcated all ogeraons conducted on such site and all premises used for such operations. ya l. Nuclear reactor means any appasatus de ggofd or nsed to sustaifl nuclear fission in a self supporting chain reaction or to contain a critical mass of ssmnable lenal Property damage includes T Wmdane contamination of property. N or Page 2 of 2 1L 00 21 09 08 09 08 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Asbestos Exclusion Endorsement s This endorsement modifies the insurance provided under the following t. COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVEM RT h GARAGE COVERAGE PART LIQUOR LIABILITY COVERAGE PART MOTOR TRUCK CARGO COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LABlyh cof AGE PART POLLUTION LIABILITY COVERAGE PART PRINTERS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILINCOVERME PART RAILROAD PROTECTIVE LIABILITY COVERAGE PA SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLIEY NEW.YORK WAREHOUSEMAN S LEGAL LIABILI feMF.gAGE PART 7 Y This insurance does not apply to any lnabnhty damages losg lny demand clalm or ull arising out of or caused by or allegedly caused by asbestos either alone or in combination m other s.E tanees. or fyctors. AV LC 2101 06 05 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Silica Exclusion Endorsement This endorsement modifies the insurance provided under the following 7 PR COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVERA RT N GARAGE COVERAGE PART S SOy LIQUOR LIABILITY COVERAGE PART Yy S MOTOR TRUCK CARGO COVERAGE PART i OWNERS AND CONTRACTORS PROTECTIVE LAl coflslwa PART POLLUTION LIABILITY COVERAGE PART o PRINTERS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LMBIIIYCOVE E PART RAILROAD PROTECTIVE LIABILITY COVERAGE PA SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLISY NEW.YORK WAREHOUSEMEN S LIABILITY COVE ART pkxsam N This insurance does not apply to any liability damages l injirys demand claim oTuil any part of which is caused by or allegedly caused by silica in any form or any substance cmiqininsilicakithr amyyr in combination with other substances or factors whether included in a product or otherwise. LC 210206 05 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Discrimination Exclusion Discrimination Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EXCESS COMMERCIAL GENERAL LIABILITY COVEM This insurance does not apply to Damages arising out of unlawful discrimination. RT LC 2104 06 05 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Aircraft Products Exclusion Aircraft Products Exclusion S This endorsement modifies the insurance provided under the following Z COMMERCIAL LIABILITY UMBRELLA COVERAGE PAR EXCESS COMMERCIAL GENERAL LIABILITY COVEGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABJEITYCOVERAGE PART. PRODUCTS COMPLETED OPERATIONS LIABILITYCO RAQPART RAILROAD PROTECTIVE LIABILITY COVERAG SPECIAL PROTECTIVE AND HIGHWAY LIABIL TY OLIC rpfw YORK COMMERCIAL GENERAL LIABILITY COVERAGE PART i. This insurance does not apply to any liability damages loss injury deWalm suit that arises out of or allegedly arises out of 1. Aircraft products. 2. Work performed upon or in connection with aircraodus i N e h products or work or oyl e 3. Any representation or warranty made at any time with respet s 4. The grounding of any aircraft. TN 1 grounding of any TN N The following additional defintions apply l N W 1. Aircraft products means VA AR e N S a. Aircraft missiles or spacccma anygmuza Support or control equipment used in connection with aircraft missiles or spacecraft T b. Products installed i or used in coni mm wuh imy missiles or spacecraft including spare parts ground handling tools and eqmpm. Training aids as tions manualsuepims engineering or other data or engineering or other advice and d. Services and lalbrrelatmgwq any of de abbve. 2. Grounding means the w th walone more aircraft from flight operations or the imposition of speed passenger or load restrictions on such aircraft ascn of the existence or suspected existence of any defect fault or condition in such aircraft or aircraft part sold handled d istributed by you or manufactured assembled or processed by any other person or organization according to your specification plans suggestions orders or drawings or with tools machinery or other equipment furnished to such person or organization by you whether such aircraft so withdrawn are owned or operated by the same or different individuals organizations or corporations. A grounding will begin on the date of an accident or occurrence which caused the grounding or on the date an aircraft is first withdrawn from service on account of the grounding whichever occurs first. oducts LC 21050607 Page 1 of 1 | 2 |
Policy Number TB2 641 444819 047 Issued by Liberty Mutual Fire Insurance Co. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Lead Exclusion Lead Exclusion This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PAR EXCESS COMMERCIAL GENERAL LIABILITY COVEBAG E PART GARAGE COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LI BII Q GE PART PRODUCTS COMPLETED OPERATIONS LIABIL TY COVEI GF ART RAILROAD PROTECTIVE LIABILITY COVERA E PAR SPECIAL PROTECTIVE AND HIGHWAY LIABILI LICY NEW YORK This insurance does not apply to S 1. Any actual or alleged liability damages loss or injury that results lrecly etmdlrey from the ingestion inhalation exposure to or absorption of lead in any form or to an clmrEor suits arising froh lead S 2. Actual or alleged property damage that results dxrectly mdlrgg frym lead or the exposure to lead in any form or to any claims or suits arising from lead 3. Any loss cost or expense arising out of xyy request je mand older orgtatutory or regulatory requirement that any insured or others test for monitor clean up reniove comain treat delox f culmlize or in any way respond to or assess the effects of lead in any form or 4. Any loss cost or expense arisingut ofny clgim or suit by or a behalf of a governmental authority for damages resulting from testing for monitoriig cleaniifg ug removmg conmmmg treating detoxifying or neutralizing or in any way responding to or assessing the effsts of leatiin any form. e d S o W S A y AN I N SN N o S LC 210606 07 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 210906 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNMANNED AIRCRAET S s This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.g. Aircraft Auto Or Watercraft under Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions 4hs Paragraph g.2 apgF ies even if the claip. agalnst any insured allege lgerce or other wrongdoing in the on hiring employment training or monllonng of others by that insured if the occurrence which caused the This insurance does not apply to bodl injury or property damage g. Aircraft Auto Or Watercraft P ved ownership mrmteronce.. use tment to rs any 1 Unmanned Aircraft 7 ajscrtem er than unmanned aircraft Bodily injury or property damag. T aufe or watercraft that is owned or arising out of the ownership.. opel by or rented or loaned to any maintenance use or entrustment to N 7 12npwed Y others of any aircraft that is an unmanned aircraft. Use includes AN This Paragraph 9.2 does notapply to operation and loading or uni fng N A watercraft while ashore on This Paragraph g.1 appyes eye f N 3 premises you own or rent. claims against any msu alege b A watercraftyou do not own that is negfgeen Znorer Ml rtngv f i Less than 26 feet long and supervisi epipl aining. oy ofommgmvgyg ot g et b cry s occurrence i d bodily injury or prop.ny c Parking an auto on or on the ways involved the pvmers next to premises you own or rent use or el to o rry provided the auto is not owned by aircraft thapfs ned ai a Aircraf 6thr Than Un Aircraft Adf tg or Waercra dlry igjury o pmpeny d arising o of Mm maintenance e o ent to others of any Saigcraft piher than unmanned airci auo or watercraft owned or operated by or rented or loaned to any insured. Use includes operaton and loading or unloading. or rented or loaned to you or the insured d Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Insurance Services Office Inc. 2014 CG 2109 06 15 Page 1 of 2 | 2 |
e Bodily injury or property damage arising out of i 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 iiy The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equipmenrt. B. The follcm ng exclusion is added to Paragraph 2. Exclt ns of Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Unmanned Aircraft Personal and advertising injury arising out the ownership maintenance use o entrustment to others of any aircraft that is an unmanned aircraft. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supenvsion hiring employment training or monitoring of others by that insured if the offense which caused the personal and advertising injury involved the ownership maintenance use or entrustment to others of any 73 that is an unmanned aircraft. This exclusiop doe not apply to a. The us of anol advenislng idea in your admseerf or rscpmmght trade dlsspr slogan inyourtadvertisement. C. The nglovwg definition is added m Definitions segpion o Ihhvadgaiyaneans anaircraft that is not 4. Insurance Services Office Inc. 2014 Page 2 of 2 CG 21090615 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26 25 04 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES GUARANTY ASSOCIATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART o OWNERS AND CONTRACTORS PROTECTIVE LIABLITYCOVERAGE PV POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART S S PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE IfA If g MISSOURI PROPERTY AND CASUALTY INSURANCE GUARANTY ASSOCIATION COVERAGE LIMITATIONS A. Subject to the provisions of the Missouri Properly and Casualty Insurance Guaranty Association Ach to be referred to as the Act if we are a member of the Missouri Property and Casualty Insurance Guaranty Association to be referred to as the As sociation the Association will pay claims covered under the Actif we become insolvent. 7 B. The Act contains various exclusior and limitations that govemn a claimal s eligibil collect payment from the Assocjdtion and affects. the amount of any payment. The folleing T tions apply subject to all othefprovisions of the Act N 1. Claims covered by the Associaondq not clude a claim by or agafifist an insyred ofan in solvent insurer fw has a el vi hbwf more than 25 milfon off the of the end of the insured s most regent fiscal yeag or the De cember thirtyfifst of the year nextpreckding the date the insurer omes insolyent pro i I s networth or sucl date shall be deemed to lude a worth of the insured ai Ilm calculated on a consolidated jal ite net affifiates as is. 9 S sy VAR Fan. 4 Ny e 7 s 2. Pamms fhagde by the Association for covered claimswill incude only that amount of each claim whichis less than 300000. Fowever the AsseCiation will not 1 Pay an nbum in excess of the applicable N V4 i m arises or Wiam of the policy from which a a KN 2YRetum to an insured any uneamed pre miuminexcess of 25000. These Iitarions have no effect on the coverage we will prQuide under this policy. e ollowing RT RAGE PART ISO Properties Inc. 2004 CG 26 25 04 05 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 26500413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES MEDICAL PAYMENTS This endorsement modifies insurance provided under the following v L COMMERCIAL GENERAL LIABILITY COVERAGE PART Paragraph 1.a. of Coverage C Medical Payments b pqenses are mcLheSnd reported is replaced by the following within one Yeay date of the 1. Insuri cldem However xpepses reported nsuring.fgreement. N fter one year of date of the a. We will pay medical expenses as described acclg ntwnll not be denied solely below for bodily injury caused by an accident of the late submission unless 1 On premises you own or rent h te submission operates to 2 On ways next to premises you own or rent prejlgfce ourrights and or eThe qured person submits to i one muo at our expense by 3 Iecauseofyour operations fN phys 9 our choice as often as we provided that e R reasonaw require. a The accident takes place in the v coverage territory and during the policy period vt P. SN s N VA e SV L LIABILITY COVERAGE PART C Medical Payments b 5 expenses as described Y acci caused by an accident b c W orrent 4 g remises you own or rent N Prel nThe Insurance Senvices Office Inc. 2012 CG 26500413 Page 1 of 1 | 2 |
Risk Control Services Important Information for Florida Policyholders Through its Risk Control Services department Liberty Mutual Insurance has safety consultation services that are available to policyholders. We have found that some of these services are consistent with your workplace hazards. These services may be available to you as our policyholder at no additional cost. To obtain further information about our safety consuitation services please coma cyr Risk Control Consulting Center at 1 866 757 7324 or email RCConsuitingCenter LibertyMutual.com. 2016 Liberty Mutual Insurance. SNI 09 02 06 16 Page 1 of 1 | 2 |
TEXAS NOTICE NOTIFICATION OF THE AVAILABILITY OF LOSS CONTROL INFORMATION SERVICES We are committed to providing loss control informatior senvices at no charge to Texas commercial automobile liability general liability and professional liability policyholders in an effort to prevent and reduce potertial claims and losses. RS a4 To obtain further information about these services please contact our Risk Coftrol Consuling Center at 1 866 757 7324 or email RCConsultingCenterLibertyMutual.com. s N 2015 Liberty Mutual Insurance Page 1 of 1 SNI 420204 15 | 2 |
POLICYHOLDER NOTICE COMPANY CONTACT INFORMATION Inthe event you need to contact someone about this policy for any reason please contact your Sales Representative or Producer of Record as shown on the policy Declarations or Information Page. If you have additional questions you may contact the company at the following address Liberty Mutual Insurance 175 Berkeley Street 7 Boston MA 02116 o 617 357 9500 Ext. 41015 FARN 2012 Liberty Mutual Insurance. All rights reserved. SNI 90 0105 12 Page 1 of 1 | 2 |
POLICYHOLDER DISCLOSURE TERRORISM RISK INSURANCE ACT THIS NOTICE CONTAINS IMPORTANT INFORMATION PURSUANT TO THE TERRORISM RISK INSURANCE ACT. PLEASEREAD IT CAREFULLY. Sy In accordance with the Terrorism Risk Insurance Act including all amendmer IRIA or the Act we are required to provide you with a notice of the portion of your premium attributab to rage for certified acts of terrorism the federal share of payment of losses from such acts and the mIahQn or on our liability under the Act. N v N Disclosure of Premium N The Company has made available coverage for certified acts of terpnsm as defined in the Act. Rbuchased the portion of your premium attributable to coverage for certified terroy mNs shown in the Declarations Declarations Extension Schedule or elsewhere by endorsement in ysp Federal Participation In Payment Of Terrorism Losses F an individual insurer s losses from certified acts of terrorism exceed skqed deductible amount the govemment will reimburse the insurer for a percemagt..ufosses the Fieval Sgare paid in excess of the deductible but only if aggregate industry losses from ceftified actSofterrarism exces Program Trigger.. Cap On Insurer Participation In Payment Of Terrorist Loes s mf If aggregate insured losses attributable to certified acts of vsm e eed 100 billion in a calendar year and we have met our deductible under the Act we shallnot be liable for the paymert of any portion of the amount of such losses that exceeds 100 billion. Nor shal frea make kg ent for any portion of the amount of such losses that exceeds 100 billion. In such gase insuredylosses lnpm amount are subject to pro rata allocation in accordance with procedures established lymeseaearyyf the T asLyy The Federal Share and Program Triggr byxfalenda year are Qerghestas Calendar Year Feal Shar Program Trigger 2015. 100000000 2006 77 34 o 120000000 2017 8 140000000 2018 TN 82 N 160000000 019 S BI 180000000 2000 4 80 200000000. o SN of Premium 2015 Liberty Mutual Insurance SNI 900201 15 Page 1 of 1 | 2 |
GENERAL LIABILITY DECLARATIONS PRIOR POL. NO. 4N6 19 35 18 POLICY Policy Period From JANUARY 1 2018 To JANUARY 1 2019 NUMBER 4N6 19 3519 1201 AM Standard Time at Your Mailing Address Shown Below Named Insured WATTS ELECTRIC COMPANY Mailing Address 13351 DOVERS ST WAVERLY NE 68462 2516 The Named Insured is Individual X Corporation Partnership JointVenture Other Producer LOCKTON COMPANIES LLC AV EMCInsurance Companies. X Employers Mutual Casualty Company Dakota Fire Insurance Company EMCASCO Insurance Company Ilinois EMCASCO Insurance Company Union Insurance Company of Providence 0 EMC Property Casualty Company Hamilton Mutual insurance Company Coverage Provided by the Company Designated X Above LIMITS OF INSURANCE Each Occurrence Limit 1000000 Damage To Premises Rented to You Limit 500000 Any One Premises Medical Expense Limit 10000 Any One Person Personal and Advertising Injury Limit 1000000 Any One Person or Organization General Aggregate Limit 2000000 Products Completed Operations Aggregate Limit 2000000 RETROACTIVE DATE CG0002 ONLY Coverages A and B of this insurance do not apply to Bodily Injury Property Damage or Personal and Advertising Injury which occurred prior to the retroactive date if any stated here Enter date or none GENERAL LIABILITY SCHEDULE Loc Code Classification Products Compl Ops All Other No. No. Premium Basis Exposure Rate Advance Prem Rate Advance Prem SEE COMPOSITE RATING PLAN ENDORSEMENT Sub Totals TOTAL ADVANCE PREMIUM 78058.00 Location of all pre mises you own rent or occupy ANY LOCATIONS OWNED RENTED OR OCCUPIED BY THE INSURED Forms Applicable SEE ENDORSEMENT SCHEDULE Audit Period Annual unless otherwise indicated 0 Semi Annual O Quarterly O Monthly Issue Date December 12017 s Rented to You Limit nit mit aareaate imit T 500000 10000 1000000 Any Onq Any Onq Any On CG70001 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1of1 | 2 |
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AEM INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY INSTALLMENT PREMIUM PAYMENT SCHEDULE L L L T T T Ty POLICY NUMBER POLICY PERIOD 01012018 TO 01012019 4N6 19 3 5 19 NAMED INSURED PRODUCER WATTS ELECTRIC COMPANY LOCKTON COMPANIES LLC. 13710 FNB PKWY STE 400 13351 DOVERS ST. OMAHA NE. WAVERLY NE.. 68154 5298 68462 2516 AGENT NO. AB8210 THE ADVANCE ESTIMATED PREMIUM WILL BE DUE AS FOLLOWS SCHEDULE INSTALLMENT DUE DATE AMOUNT 6504.001 I Tommmm e 6504.00 THIS INSTALLMENT SCHEDULE WILL NOT BE REVISED BY ANY FUTURE ENDORSEMENT RESULTING IN PREMIUM CHANGES UNLESS APPROVED BY THE COMPANY. PLACE OF ISSUE OMAHA NE DATE OF ISSUE 12012017 FORM IL7007A ED.03 86 1270172017 007 Jo 4N61935 19001 INSTALLMENT PREMIUM PAYMENT SCHEDULE e POLICY NUMBER POLICY PERIOD 01012018 TO 01012019 4N6 19 35 19 R NAMED INSURED PRODUCER WATTS ELECTRIC COMPANY LOCKTON COMPANIES LLC. 13710 FNB PKWY STE 400 13351 DOVERS ST 5 OMAHA NE. WAVERLY NE.. 68154 5298 68462 2516 AGENT NO. AB8210 THE ADVANCE ESTIMATED PREMIUM WILL BE DUE AS FOLLOWS SCHEDULE INSTALLMENT DUE DATE AMOUNT 1 010118 19522.001 020118 6504.00 6504.001 I Tommmm e 100118 6504.00 ol 1 T P TOTAL 78058.001 THIS INSTALLMENT SCHEDULE WILL NOT BE REVISED BY ANY FUTURE ENDORSEMENT RESULTING IN PREMIUM CHANGES UNLESS APPROVED BY THE COMPANY. PLACE OF ISSUE OMAHA NE AT A TEOOTE el o oo WY STE 400 THE ADVANCE ESTIMATED PREMIUM WILL BE DUE AS FOLLOWS SCHEDULE DUE DATE AMOUNT R Tmmmmomm oo t 010118 P 020118 040118 1 050118 1 060118 R P 1 1 070118 1 6504.00 | 2 |
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHANGE ENDORSEMENT POLICY Policy Period From January 1 2018 To January 1 2019 NUMBER 4N6 19 3519 Named Insured Watts Electric Company Endorsement Effective Date January 1 2018 EMC Insurance Companies x Employers Mutual Casualty Company Dakota Fire Insurance Company EMCASCO Insurance Company Illinois EMCASCO Insurance Company Union Insurance Company of Providence EMC Property Casualty Company Hamilton Mutual Insurance Company Coverage Provided by the Company Designated X Above y anea Named Insured 1 NAMED INSURED WATTS ELECTRIC COMPANY NO. 02 WATERMARK INVESTMENTS LLC. NO. 03 EDWARD WATTS NO.04 THUNDERSTONE CONSTRUCTION LLC INACTIVE NO. 05 EDWARD WATTS LLC cember 1 2017 Omaha NE Date and Place of Issue Countersigned By Form IL1201 Rev. 1 99 | 2 |
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHANGE ENDORSEMENT POLICY Policy Period From January 1 2018 To January 1 2019 NUMBER 4N6 19 3519 Named Insured Watts Electric Company Endorsement Effeciive Date January 1 2018 EMC Insurance Companies X Employers Mutual Casualty Company Dakota Fire Insurance Company EMCASCO insurance Company minols EMCASCO Insurance Company Union Insurance Company of Providence EMC Property Casualty Company Hamitton Mutual Insurance Company Coverage Provided by the Company Designated X Above CHANGES ENI NT SCHEDULE PAGE 1 OF 3 CGO001 04 13 COMMERCIAL GEN LIABILITY COV FORM CG0109 11 85 KS OK CHANGES TRANSFER OF RIGHTS CG0134 08 03 MISSOURI CHGS POLLUTION EXCLUSION CGO144 10 11 SOUTH DAKOTA CHANGES G0300 0196 DEDUCTIBLE LIABILITY INSURANCE 30435 12 07 EMPLOYEE BENEFITS LIABILITY COVERAGE EACH EMPLOYEE 1000000 AGGREGATE 2000000 DEDUCTIBLE EACH EMPLOYEE 1000 RETROACTIVE DATE 01012008 CG0437 04 13 ELECTRONIC DATA LIAB ENDORSEMENT LOSS OF ELECTRONIC DATA LIMIT 1 000000 CG2010 07 04 AI OWNERS LESSEES OR CONTRACTORS NAME SEE FORM IL12010199 WORDING FOR FORMS CG2012 04 13 AI STATE GOVT AGCY SUBD POLIT SUBD T NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. CITY OF LINCOLN CG2026 04 13 AI DESIGNATED PERSON OR ORGANIZATION NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. UNION PACIFIC RAILROAD CG2037 07 04 AI OWNERS LESSEES OR CONT COMP O NAME SEE FORM IL12010199 WORDING FOR FORMS CG2106 05 14 EXCL ACCESS DISCL OF CONFID PERSONAL CG2147 12 07 EXCL EMPLOYMENT RELATED PRACTICES CG2167 12 04 FUNGI OR BACTERIA EXCLUSION CG2170 01 15 CAP LOSSES FROM CERT ACTS TERRORISM CG2176 01 15 EXCL PUNITIVE DMGS ACTS OF TERRORISM CG2274 10 01 LTD CONTRACTUAL LIAB COV PERS ADV DESIGNATED CONTRACT OR AGREEMENT AS REQUIRED PER ANY WRITTEN CONTRACT CONTINUED lence EMPLOYEE Form IL1201 Rev. 1 99 | 2 |
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CHANGES ENDORSEMENT SCHEDULE CONTINUED PAGE 2 OF 3 72280 04 13 LIMITED EXCL CONTRACTOR PROF LIAB CG2417 10 01 CONTRACTUAL LIABILITY RAILROADS SCHEDULED RAILROAD DESIGNATED JOB SITE ANY RAILROAD ANY JOBSITE WHERE REQUIRED BY CONTRACT CG2645 02 99 SD CHANGS NONBINDING ARBITRATION CG2650 04 13 MISSOURI CHANGES MEDICAL PAYMENTS CG7000 01 06 GENERAL LIABILITY DECLARATIONS CG7003 10 13 GL QUICK REFERENCE OCCURRENCE CG7141 05 90 EXTENDED PROPERTY DAMAGE COVERAGE CG7174.3 10 13 BLKT AI CONST CONT INCL COMP OPS CG7253 12 96 CONTRACTORS EXTENDED PROPERTY DAMAGE CG7276 11 16 LIMITED POLLUTION COV WORK SITES 150 EACH POLLUTION INCIDENT LIMIT 100000 POLLUTION LIABILITY AGGREGATE LIMIT 100000 PROPERTY DAMAGE DEDUCTIBLE 1000 EACH POLLUTION INCIDENT CG7428 11 98 AMEND AGGREGATE LIMIT PER LOCATION CG7429 11 98 AMEND AGGREGATE LIMIT PER PROJECT CG7501 10 13 AI DESIG PERSON ORGAN VICAR LIAB NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. DAVID WATTS MASTER ELECTRICIAN CG7523 03 07 EXCL EXT INSUL FINISH OR DIRECT APP 57578 06 17 GENERAL LIABILITY ELITE ENDORSEMENT G7627 03 09 AMENDMENT OF EMPL BENEFITS PROGRAM DESCRIPTION OF OTHER SIMILAR BENEFITS NONE CG7644 02 09 CONTRACTORS OCCURRENCE DEFINITION FLO411 10 06 BASIC FARM PREMISES LIABILITY IL0021 05 02 NUCLEAR ENERGY LIAB EXCL BROAD FORM IL0125 11 13 COLORADO CHANGES CIVIL UNION IL0179 10 02 OKLAHOMA NOTICE 110228 09 07 CO CHANGES CANCELLATION NONRENEWAL IL0232 09 08 SD CHANGES CANCELLATION NONRENEWAL IL0236 09 07 OK CHANTES CANCELLATION NONRENEWAL IL0259 09 07 NE CHANGES CANCELLATION NONRENEWAL IL0261 09 07 KS CHANGES CANCELLATION NONRENEWAL IL0274 02 13 MO CHANGES CANCELLATION NONRENEWAL IL0276 039 08 IA CHANGES CANCELLATION NONRENEWAL IL1201 01 99 NAMED INSURED ENDORSEMENT IL1201 01 99 COMML POLICY ENDORSEMENT SCHEDULE IL1201 01 99 COMPOSITE RATING PLAN ENDORSEMENT IL1201 01 99 WORDING FOR FORMS CG2010 CG2037 IL7028 05 15 ASBESTOS EXCLUSION IL7339 05 11 DEFINITION OF YOUR WORK AMEND ENDST IL7447 05 15 NOTICE OF CANCEL W WRITTEN CONTRACT IL7602 04 16 COLORADO COMPANY ELIMINATION TL7604 03 16 KANSAS COMPANY ELIMINATION TL7615 01 99 OKLAHOMA COMPANY ELIMINATION 150 Form IL1201 Rev. 1 99 | 2 |
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CHANGES ENDORSEMENT SCHEDULE CONTINUED PAGE 3 OF 3 IL8021 04 88 ASBESTOS NOTICE IL8383.2 01 15 DISCL PURSUANT TERRSM RISK INS. ACT 118384 01 08 TERRORISM NOTICE IL8576 09 09 MEDICARE IMPT NOTICE TO POLICYHOLDER 625 Additional Premium Return To be adjusted at Audit wecember 1 2017 Omaha NE Date and Place of Issue Countersigned By Form IL1201 Rev. 1 99 | 2 |
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHANGE ENDORSEMENT Policy Period From January 1 2018 To January 1 2019 POLICY NUMBER 4N6 19 35 19 Named Insured Watt Electric Company Endorsement Effective Date January 1 2018 EMC Insurance Companies Employers Mutual Casualty Company Dakota Fire Insurance Company EMCASCO Insurance Company Illincis EMCASCO Insurance Company Union Insurance Company of Providence EMC Property Casualty Company Hamilton Mutual Insurance Company Coverage Provided by the Company Designated X Above CHANGES WORDING FOR FORMS CG2010 AND CG2037 NY OR ALL PERSONS OR ORGANIZATIONS SUBJECT TO A WRITTEN CONTRACT REQUIRING.DDITIONAL INSURED STATUS EXCEPT WHERE THE CONTRACT REQUIRES COVERAGE TO BE PRIMARY AND NON CONTRIBUTORY.. Additional Premium Return To be adjusted at Audit Countersigned By ecember 1 2017 OMAHA NE Date and Place of Issue Form IL1201 Rev. 1 99 | 2 |
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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHANGE ENDORSEMENT POLICY Policy Period From January 1 2018 To January 1 2019 NUMBER 4N6 19 3519 Named Insured Wiatts Electric Company Endorsement Effective Date January 1 2018 EMC Insurance Companies X Employers Mutual Casualty Company Dakota Fire Insurance Company EMCASCO Insurance Company Ilinois EMCASCO Insurance Company union Insurance Company of Providence EMC Property Casualty Company Hamitton Mutual Insurance Company Coverage Provided by the Company Designated X Above CHANGES Composite Rating Plan Endorsement Itis agreed the estimated premium rate exposure and minimum premium for the insurance afforded by the policy are shown in the schedule below. The advance premium is as stated in the declarations of the policy.. ne annual eamed premium for the commercial General Liability policy shall be determined by applying the rate as shown below to each 1000 of Annual Gross Sales. SCHEDULE Estimated Annual Remuneration Rates Estimated Annual Premiums Per 100.00 Work Comp Payroll 4974807 T O Premises Operations 1.280 Products Compl. Ops 0.285 63322.00 14111.00 62500 Terrorism 625.00 Additional Premium 78058.00 Retum To be adjusted at Audit Countersigned By December 1 2017 Omaha NE ate and Place of Issue Form IL1201 Rev. 1 99 | 2 |
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POLICY NUMBER 4N6 19 35 COMMERCIAL GENEEABLJEIQDBIII 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 Coverage Amount and Basis of Deductible SCHEDULE Coverage Amount and Basis of Deductible PERCLAIM or PER OCCURRENCE Bodily Injury Liability OR Property Damage Liability 2500 OR Bodily Injury Liability andor Property Damage Liability Combined If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. APPLICATION OF ENDORSEMENT Enter below any limitations on the application of this endorsement. If no limitation is entered the deductibles apply to damages for all bodily injury and property damage however caused Amount and Basis of Deductible PERCLAIM or PER OCCURRENCE 2500 A. Our obligation under the Bodily Injury Liability and Property Damage Liability Coverages to pay dam ages on your behalf applies only to the amount of damages in excess of any deductible amounts stated in the Schedule above as applicable to such coverages. B. You may select a deductible amount on either a per claim or a per occurrence basis. Your se lected deductible applies to the coverage option and to the basis of the deductible indicated by the placement of the deductible amount in the Sched ule above. The deductible amount stated in the Schedule above applies as follows 1. PER CLAIM BASIS. If the deductible amount indicated in the Schedule above is on a per claim basis that deductible applies as follows a. Under Bodily Injury Liability Coverage to all damages sustained by any one person be cause of bodily injury b. Under Property Damage Liability Coverage to all damages sustained by any one person because of property damage or. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages sustained by any one person be cause 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 serv ices or death resulting at any time from bodily injury a separate deductible amount will be applied to each person making a claim for such damages. With respect to property damage person in cludes an organization. CG 03000196 Copyright Insurance Services Office Inc. 1994 Page 1 of 2 | 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 dam age or. Under Bodily Injury Liability andor Property Damage Liability Coverage Combined to all damages because of 1 Bodily injury 2 Property damage or 3 Bodily injury and property damage combined as the result of any one occurrence regard less of the number of persons or organizations who sustain damages because of that occur rence C. The terms of this insurance. including those with 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 deducti ble 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 deducti ble amount as has been paid by us. Page 2 of 2 Copyright insurance Services Office Inc. 1994 CG 03 000196 | 2 |
DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT THIS DISCLOSURE IS ATTACHED TO YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS DISCLOSURE DOES NOT ggg COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER SCHEDULE Terrorism Premium Certified Acts 625.00 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorism acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this disclosure or in the policy Declarations.. 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. For losses occurring in 2015 the federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. Beginning on January 1 2016 the federal share will decrease by one percentage point per calendar year until equal to 80 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.. 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. federal Terrorism Risk ed to provide you with a of your premium if any terrorism acts certified urance Act The portion The following is required as part of the disclosure notice in MISSOURI The premium above is for certain losses resulting from certified acts of terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your policy carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. 1L8383.21 15 Page 1of 1 | 2 |
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cournt on g INSURANCE Understanding the Premium Audit Process A premium audit is an examination of your business operations and records that helps determine the correct exposure or premium base for the insurance coverage provided. This helps us make sure the cost of your insurance coverage is fair and equitable. How It Works When your policy is issued the premium is based on an estimate of an adjustable exposure base such as payroll gross sales receipts or total cost. Shortly after the end of a policy period An auditis completed to determine your actual exposure The audit information is summarized and further reviewed for accuracy and adherence to manual rules The final premium is calculated and reported to you on the Premium Audit Statement which indicates whether areturn premium is owed to you or an additional premium is due to EMC The premium audit process makes sure your insurance premium is appropriate and verifies the proper classification of your business and operations. Types of Audits Depending on premium size and class of business a premium audit can be completed through mail by phone or in person. Mail Audit for small accounts Aform with instructions will be mailed to you to complete and return. Phone Audit for small to midsized accounts Arepresentative from an independent audit company will send out a form and follow up with a phone call o go over the documents and verify that everything was completed correctly. Physical Audit for larger accounts Arepresentative from EMC Insurance Companies or an authorized independent audit firm wilt conduct an audit atyour business premise or accountant s office. The auditor will notify you of the audit appointment by mail or phone. Preparing for Your Premium Audit We complete premium audits on workers compensation general liability commercial auto and garage liability policies. During the premium audit process your records are reviewed to determine the correct exposure. The records needed to complete an audit include Journals Tax reports Certificates of insurance Financial statements Ledgers Individual payrolf records Job cost records | 2 |
Keeping accurate and detailed records makes the audit process rmuch aasier and aliows you 1o take advanizgs of sertain allowable credits or exclusions. A comprehsasive cescriotion of your business operations and a detailed explanation of the job duties of each employee will also be necessary. When preparing for your audit the following tips may help yuu racuce your insurance costs Overtime In most states the amount paid in excess of straight time can be deducted if proper payroli r00rds are maintained Qvertims must be shown separately by erd e surimary by classification of wiork Division of an individual employee s payroll to mora than ane properly assigned classification is permitted in some cases. Propar gayral records hatwearn the different classifications must be maintained. Ifyou do not keep a proper breakdawn the entirg payroll is assigned to the highest rated classification applicabie to the employee. An estimated or percentage allocation of payroll is notafiowad. Subcontracter Hfyou have subcontractors working for you obtain avalid copy of a current Cartificate of lasurance from each subcontractor for workars compensation and general liability. Under mostworkers compensation faws you will be fiel responsible when an uninsured subcontractor s employee is injurad. You imay also be responsible for 2 subeontractor switheut empleyaes 7 ihe work baing dora closaly esambies that of an empicy2e. Subcentractors withaut proof of insurance are treated as employees in mast cases. EMC strives to make the premium audit process a positive experience by conducting it professionally accurately and affici aking the apprapriate records availacle atthe time of the audit will help the process run smoothly. We encorrage vou te ask questions during the audit 2 2tion. if you have addizional questicns regarci the audit process contact your local independent insurance agent. Count on EMC Organized in 1911 to write workers compensation protection in lowa EMC Insurance Companies is now one of the top 50 property casualty organizations in the United States and is one of the largest in lowa based on net written premium. With more than 100 years of experience we ve proven our customars can Caunt on EMC. Learn More Tolearn more about the pramium audit pracess contact your insurance agent. To learnmore about the EMC Insurance Companies WWW.emcins.com E pramium audit pracess 717 Mulbsiry Street m u E. INSURANCE contact your insurance agent Des Moines A 50309. 800 447 2255 513 280 2511 This brochure is onty an outline of generalinsuranze principles. Itis not iotended to superseda any definitions or conditions contained in your 3al CopyrightEmployers Mutual Casualty Company 2015. A righs resarved. MKB435 10 15 WWW.emcins.com in fvo ANEMC INSURANCE | 2 |
COMMERCIAL GENERAL LIABILITY QUICK REFERENCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM OCCURRENCE COVERAGE READ YOUR POLICY CAREFULLY DECLARATIONS PAGES Named Insured And Mailing Address Policy Period Description Of Business And Location Coverages And Limits Of Insurance SECTION COVERAGES Coverage A Bodily Injury And Property Damage Liability Coverage B Personal And Advertising Injury Liability Coverage C Medical Payments Supplementary Payments SECTION Il WHO IS AN INSURED. SECTION Il LIMITS OF INSURANCE............ t SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Bankruptey.... Insuring Agreement Exclusions............... coiiii o Insuring Agreement....... EXCIUSIoNs......o. Insuring Agreement............ Exclusions............. oo it Duties In The Event Of Occurrence Offense Claim Or Suit..... Legal Action Against Us... Other insurance Premium Audit... Representations....... Separation Of insureds.. Transfer Of Rights Of Recovery Against Others To Us. When We Do Not Renew SECTION V DEFINITIONS........ COMMON POLICY CONDITIONS Cancellation Changes Examination Of Your Books And Records Inspections And Surveys Premiums Transfer Of Your Rights And Duties Under This Policy ENDORSEMENTS If Any Beginning on Page Page 1of1 CG70031 14 | 2 |
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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 Il 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 ill 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 obiigation or liability to pay sums or perform acts or services is covered uniess 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 2 The bodily injury or property damage occurs during the policy period and 3 Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury CG 00010413 Insurance Services Office Inc. 2012 Page 1 of 16 | 0 |
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring. employment. training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing. selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcohoiic 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 eise who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract 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 liabiity 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 b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged.. 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. Page 2 of 16 Insurance Services Office inc. 2012 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 poliutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or i Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste c Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or i Any person or organization for whom you may be legally responsible or 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 fiuids 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 refease of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or ifi 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 poliutants CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
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 few or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f3 of the definition of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of b 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. cut 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 personnei or other agents or Insurrection rebeflion 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 3 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 negiigence or other wrongdoing in the supervision hiring employment training or monitoring of cthers 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 o 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 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 8 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 particutar 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 inciuding 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 CG 00010413 Insurance Services Office Inc. 2012 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 cr seftlements 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 explicitty provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. b. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity. c. Material Published Prior To Polilcy 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. d. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liabllity Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. f. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement. g. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods. products or services to conform with any statement of quaiity or performance made in your advertisement. h. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement 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 publishing or telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and 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. 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 behaff 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 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. CG00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits examination at our expense. 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 dentai services including prosthetic devices and 3 Necessary professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupled Premises To a person injured on that part of premises you own or rent that the person normally occupies. by physicians of our choice as often as we ambulance hospital d. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing. instructing or participating in any physical exercises or games sports. or athletic contests. f. Products Completed Operations Hazard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A ANDB 1. We will pay. with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bedily 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. d. Ail reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual ioss of earnings up to 250 a day because of time off from work. e. All court costs taxed against the insured in the suit. However. these payments do not include attorneys fees or attomeys expenses taxed against the insured f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 Insurance Services Office. Inc. 2012 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 fimit of insurance. These payments will not reduce the limits of 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. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit b Immediately send us copies of any demands notices summonses or legal papers received in connection with the Psuit s c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. 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 aiso insureds but only with respect to their duties as trustees. CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business. or your employees other than either your executive officers if you are an organization other than a partnership joint venture or fimited 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 cf Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or Arising out of his or her providing or faiing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical 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. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c d c. Any person or organization having proper temporary custody of your property if you die. but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your 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. 3. Any organization you newly acquire or form other than a partnership. joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period. whichever is earlier. b. Coverage A does not apply tc bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION lll LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardiess of the number of a. Insureds 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. 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. ustody or cal control Page 10 of 16 Insurance Services Office Inc. 2012 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 damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations uniess 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 claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable.. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or seftiement 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. 3. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into asuit 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. CG 00010413 Insurance Services Office inc. 2012 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 fimited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is afso 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. 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 if That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner iii 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 entitted to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance. we will pay only our share of the amount of the loss if any. that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We wilt share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares. we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the ioss remains. whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation. and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete CG 00010413 Insurance Services Office Inc. 2012 Page 12 of 16 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others ToUs If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The 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. 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 c. Al 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 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibilty to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document.. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. iy GOSglied 1 e Named Insured this sured were the only 2d against whom claim ht. very Against Others recover all or part of under this Coverage nsferred to us. The r loss to impair them. d will bring suit or and help us enforce is Coverage Part we first Named Insured written notice of the 30 days before the CG 00010413 Insurance Services Office Inc. 2012 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. Any easement or license agreement except in connection with censtruction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance. to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 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 faiing to prepare or approve maps shop drawings opinions reports surveys. field orders change orders or drawings and specifications or b Giving directions or instructions. or failing to give them. if that is the primary cause of the injury or damage or 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 faiiure to render professional services including those fisted in 2 above and supervisory. inspection architectural or engineering activities. e 2 3 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handiing of property a. After it is moved from the place where it is accepted for movement inte or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not inciude the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. 12.Mobile equipment means any of the following types of land vehicles. including any attached machinery or equipment a. Bulldozers. farm machinery forkiifts 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 propelied or not maintained primarily to provide mobility to permanentiy 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.. 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 welt 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. i VRV e TR agreement except in iction or demolition feet of a railroad ed by ordinance to except in connection y agreement ontract or agreement iness including an CG00010413 Insurance Services Office Inc. 2012 Page 14 of 16 | 1 |
1 Equipment designed Primarily for Snow removal b Road Maintenance pyt not construction Or resurfacing or c Street cleaning 2 Cherry Ppickers and similar deviceg mounted on automobile or truck chassis and used to raise or lower workers and Spraying welding building Cleaning geophysica Exploration lighting and welj Servicing equipment Compulsory or financial responsibility fay or other motor vehicle insurance jay are considered autos 13. Occurrence means an accident including continuous or repeated exposure to subsranally the same generg hammfu conditions. c. The wrongful evicngn from wrongful entry into a room dwelling or premises that g person OCcupies Committed by or on behalf of jts. Oral or written Publication jn any manner of Mmaterial that violates g person s right of privacy g. lnfringing upon another s copyright trade dress or slogan in your advemsemenr. 15.Pollutants Mean any solid liquid gaseous or thermal irritant or Contaminant including Smoke vapor soot fumes acids alkalis chemicals anq waste. Waste includes Materials to be recycled reconditioned or reclaimed WOrk calleq for in your b When ayf of the work to be done gt the been Completed if your contract calls for Work at more than one c When that part ofthe work done at 5 Jjob another contractor o working on the Same project Work that may neeq Service maintsnance Correction repair o replacement by which Is otherwise Complete will pe treated ag leted b. Does not include bodily injury o propsrty damage arising out of 1 The transportation of Property ynjegs the injury or damage ariseg Out of g Condition in You and that condition wag 2 I ading or unloading of that Vehicle by any Sured insuj 2 The existence of tools Uninstalleq equipment o abandoneg Or unuseq Materials or 3 Products Or operationg for which the classication listed in the Declarationg orin a policy Schsdule states that Products Completed Operations arg Subject o the physically injured. Ajj such loss of use shall pe deemed to OCCUr at the time of tpe it. For the Purposes of this insursnce electronic data is not tangible Property. THEIPment but wil a C C rimarily for but not Construction lar deviceg mounted chassis and used to and S and generators welding puiiging Xploration ligming nent. does not include ctto a Compuisory c or other motor it is licenseq or les Subject to a bility faw or other are considered W co ident inclydin Is to Substantiafly cof ns. b. Does means injy damag ury arising oyt 1 The nses injui onment or you loac aful entry into insuy Occupancy of 2 The that a person equip behalf of jts mater 3 Prog Y manner of dasil person or a pol person s o compl services b CG 0001 04 13 Insurance Services Office Inc 2012 Page 15 of 16 | 1 |
As used in this definition. electronic data means information. facts or programs stored as Of on or transmitted to of from systems an applications software hard of fioppy disks. CcD ROMs tapes. drives cels. i devices or any other media which are used with electronically controlied equipment. 48.Suit means civil prooeeding in which damages pecause of podity injury property damage of pelsonal and advertising injury to which this insurance applies are alleged. gyt includes a. An arbitration proceading in which such damages are claimed and 10 which the insured must submit of does submit with our consent or b. Any other alternative dispute resolution pwceedng in which such are dai claimed and to which the insured submits with our consent. 19.Temporary worker means 2 person who is furnished to you to substitute for a permanent employee 00 leave of to meet seasonal of short term workload conditions. 20.Volunteer worker means person Who is not your vemployee and who donates his of her work and acts at the direction of and within the scope of duties determined by you and is not paid fee salary of other com ation by you of anyone else for their work peormed for you. 21.Your product a. Means 1 Any goods of products other than real property manufactured. soid handled distributed or disposed of by a You b Others trading under your name or A person Of organization whose pusiness OF assets you have acquired and 2 Containers other than vehicles. materials. rts or equlpmen furnished in connection with such goods of products. b. Includes U Warranties Of represematlons made at any time with respect to the finess. quality durability. performance or use of your product and 2 The providing of or failure to provide warnings or instructions.. Does rot include vending machines or other property rented to of jocated for the use of others but not sold. 22.Your work a. Means Work of operations perfonned py you or on your pehalf and 2 Materials. parts of eqmpmem furnished in connection with such work of operations. b. Includes Warranties of representations made at any time with respect t0 the fitness. quality durability. performance or use of your work and 2 The providing of or failure 1o provide warnings of instructions. G 00010413 Insurance Services Office. Inc. 2012 Page 16 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KANSAS AND OKLAHOMA CHANGES TRANSFER OF RIGHTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART. Condition 8. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Section V does not apply to COVERAGE C. MEDICAL PAYMENTS. CG 01091185 Copyright insurance Services Office Inc. 1984 Page 10of 1 | 2 |
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COMMERCIAL GENERAL LIABILITY CG 01340803 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MISSOURI CHANGES POLLUTION EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following is added to Subparagraph f. Pollution of Paragraph 2. Exclusions under Section I Coverage A Bodily Injury And Property Damage Liability Coverage and to Subparagraph m. Pollution of Paragraph 2 Exclusions under Section Coverage B Personal And Advertising Injury Liability or to any amend ment to or replacement thereof This Pollution Exclusion applies even if such irritant or contaminant has a function in your business operations premises site or location. CG 01340803 180 Properties Inc. 2003 Page 1 of 1 | 2 |
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COMMERCIAL GENERAL LIABILITY CGo1441011 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOUTH DAKOTA CHANGES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The Legal Action Against Us Condition Section IV Conditions is replaced by the following Legal Action Against Us No person or organization has a right under this Coverage Part to join us as a party or otherwise bring us into a suit asking for damages from an insured. 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 seftlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Page1o0f1 Insurance Services Office Inc. 2011 CG01441011 | 2 |
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POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 04351207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits each employee s s Programs aggregate Retroactive Date 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 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 of the insured or of any other person for whose acts the insured is legally fiable 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 dam ages to which this insurance does not ap ply. We may at our discretion investigate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section NI Limits Of insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments. b. This insurance applies to damages only if 1 The act error or omission is negligently committed in the administration of your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and A claim for damages because of an act eror or omission is first made against any insured in accordance with Paragraph c. below during the policy period or an Extended Reporting Period we provide under Paragraph F. of this endorsement.. A claim seeking damages will be deemed to have been made at the earlier of the fol lowing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or CG 04351207 IS0 Properties Inc. 2006 Page 10f 6 o | 2 |
d. 2 When we make settlement in accor dance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts. errors or omissions including damages claimed by such employee s dependents and benefi ciaries will be deemed to have been made at the time the first of those claims is made against any insured. 2. Excluslons This insurance does not apply to Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willfu or reckless viola tion of any statute.. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury.. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer.. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram.. 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. 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 faw.. ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement income Secu rity Act of 1974 as now or hereafter amended or by any similar federal. state or local faws.. 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 coi lectibie insurance.. Taxes Fines Or Penalties Taxes fines or penalties. including those imposed under the Internal Revenue Code or any similar state or local law.. Employment Related Practices Damages arising out of wrongful termina tion of employment. discrimination or other employment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments 2 Coverages A and B are replaced by Supple mentary Payments Coverages A B and Em ployee Benefits Liability. 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 foliowing 2. Each of the following is also an insured a. Each of your empioyees 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. f perform iciency of inder any CG04351207 0O ISO Properties Inc. 2006 Page 2 of 6 | 2 |
. Your legal representative if you die but only with respect to duties as such. That repre sentative will have all your rights and duties under this Endorsement 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.. 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 Il Limits Of Insurance is replaced by the following 1. Limits Of Insurance i 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 The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the administration of your employee benefit program. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one em ployee including damages sustained by such employee s dependents and benefi ciaries as a result of 1 Anact error or omission or 2 A series of related acts errors or omis sions negligently committed in the administra tion of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be subject to the limits ang restrictions that apply to the payment of benefits in any plan included in the employee benefit program. months. In that case the additional period will be deemed part of the last preceding period for Ppurposes of determining the Limits Of Insur ance. 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 applica ble to Each Employee. The fimits of insur ance 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 em. ployee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies.. 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 rror or omission or claim apply irrespective of the application of the deductible amount claim or suit and upon notification of the action taken you shall promptly reimburse Us for such part of the deductible amount as Wwe have paid. 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Sult 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 extent possible notice should include 1 What the act error or omission was and when it occurred and CG 04351207 I1so Properties Inc. 2006 Page 3of 6 u | 2 |
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 o 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 When this insurance is excess we wilt have no duty to defend the insured against any syit 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 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 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 wili 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 Insur ance shown in the Schedule of this en dorsement.. Method Of Sharing If all of the other insurance permits contri bution 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 per mit contribution by equal shares we will contribute by fimits. Under this method. each insurer s share is based on the ratio of its applicable limits of insurance to the total applicable fimits of insurance of all insurers. 2 The names and addresses of anyone who may suffer damages as a resuit of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable.. You and any other involved insured must 1 Immediately send us copies of any demands. notices summonses or legal apers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 4. Other Insurance f other valid and coliectible 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 Paragraph b. below applies. If this insur ance is primary our obligations are not af fected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method de scribed in Paragraph c. below. cG04351207 O 1SO Properties Inc. 2006 Page 4 of 6 | 2 |
F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorse ment 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 Ex tended Reporting Period as described beiow 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 en dorsement or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not ex tend the policy period or change the scope of coverage provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not before the Retroactive Date if any shown in the Schedule. Once in effect the Ex tended Reporting 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 accordance 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 endorsement for future payment of dam ages 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 aggregate limit of insurance described below but only for claims first received and recorded during the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement under Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees in cluding their dependents and beneficiaries with respect to eligibility for or scope of employee 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 IS0 Properties Inc. 2006 Page 5 of 6 o | 2 |
4. Employee benefit program means a program providing some or ail of the following benefits to employees whether provided through a cafeteria 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 eligibility requirements b. Profit sharing plans empioyee 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 dis ability benefits d. Vacation plans including buy and sell pro grams leave of absence programs includ ing military matemity family. and civil leave tuition assistance plans transporta tion and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorse ment. 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 em ployed formerly employed on leave of ab sence or disabled. or retired. Employee in cludes a leased worker. Employee does not include a temporary 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. CG 04351207 m IS0 Properties Inc. 2006 Page 6 of 6 | 2 |
POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 04370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC DATA LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Loss Of Electronic Data Limit Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Exclusion 2.p. of Coverage A Bodily Injury And Property Damage Liability in Section Coverages is replaced by the following 2. Exclusions This insurance does not apply to p. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data that does not result from physical injury to tangible property. However this exclusion does not apply to liability for damages because of bodily injury. B. The following paragraph is added to Section Il Limits Of Insurance Subject to 6. above the Loss of Electronic Data Limit shown in the Schedule above is the most we will pay under Coverage A for property damage because of all loss of electronic data arising out of any one occurrence. C. The following definition is added to the Definitions section 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. D. For the purposes of the coverage provided by this endorsement the definition of property damage in the Definitions section is replaced by the following 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it or c. Loss of loss of use of damage to corruption of inability to access or inability to properly manipulate electronic data resulting from physical injury to tangible property. All such loss of electronic data shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. CG 04370413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
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POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20 10 07 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations desig nated above. B. With respect to the insurance afforded to these additional insureds the following additional exclu sions apply This insurance does not apply to bodily injury or property damage occurring after 1. All work including materials parts or equip ment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behaif of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the Injury or damage arises has been put to its in tended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a princi pal as a part of the same project. CG 201007 04 IS0 Properties Inc. 2004 Page 1 0of 1 | 2 |
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POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20120413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule subject to the following provisions 1. This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmentai agency or subdivision or political subdivision has issued a permit or authorization However a. The insurance afforded to such additional insured only applies to the extent permitted by law and b. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 2. This insurance does not apply to a. Bodily injury property damage or personal and advertising injury arising out of operations performed for the federal operations hazard. B. With respect to the insurance afforded to these additional insureds the following is added to Section Ill Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20120413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
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POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 2026 04 13 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 Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to B. include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily inju property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omissions of those acting on your behalf 1. In the performance of your ongoing operations or 2. In connection with your premises owned by or rented to you. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. With respect to the insurance afforded to these additional insureds the following Is added to Section lil Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20260413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
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POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20 3707 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Location And Description Of Completed Opera l Or Organizations tions 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 organizations shown in the Schedule but only with respect to liability for bodily injury or property damage caused in whole or in part by your work at the location designated and described in the schedule of this endorsement performed for that additional insured and included in the products completed operations hazard. CG 20370704 IS0 Properties Inc. 2004 Page 10of 1 o | 2 |
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