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N TRAVELERS.I One Tower Square Hartford Connecticut 06183 COMMERCIAL GENERAL LIABILITY POLICY NO. y660 1060L503 TCT14 COVERAGE PART DECLARATIONS ISSUE DATE 08 12 14 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT DECLARATIONS PERIOD From 08 08 14 to 08 08 15 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial General Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE General Aggregate Limit 2000000 Other than Products Completed Operations Products Completed Operations Aggregate Limit 2000000 Personal Advertising Injury Limit 1000000 Each Occurrence Limit 1000000 Damage To Premises Rented To You Limit any one premises 100000 Medical Expense Limit any one person 5000 LIMITS OF INSURANCE 2000000 w v w0 2000000 1000000 1000000 100000 5000 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS CORPORATION 4. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMIT CGT0O011103 PRODUCER LOCKTON COMPANIES LLC Page 1 of 1 OFFICE KANSAS CITY 095 XG345 | 2 |
DECLARATIONS PREMIUM SCHEDULE POLICY NUMBER Y660 1060L503 TCT14 This Schedule applies to the Declarations for the period of 08 08 14 to 08 08 15 It shows all of your known rating classes as of the effective date. Any exceptions will be so noted. This includes all locations you own rent or occupy. Loc CLASS PREMIUM OPN BLDG DESCRIPT BASE ADVANCE NO. NO. CODE NO. SUBLINE EXPOSURE RATES PREMIUM MINIMUM PREMIUMS LOB 250 250 GENERAL LIABILITY COMPOSITE MANUFACTURING SEVERE HAZARD PRODUCTS 20002 PREM OPS s 39038172 PROD C OPS s 21738172 GENERAL LIABILITY COMPOSITE RETAIL STORES ALL OTHER 52950 PREM OPS s 1255366 PROD C OPS s 1255366 nan nan nan nan 0.636 nan 1.208 24828 26260 1255366 1255366 nan nan nan nan 0.852 nan 0.322 1070 405 52563 COVERAGE PART TOTAL This class is subject to the prem ops transition program. If an Xis entered in this box these Declarations are completed on the Premium Schedule Extension CG T0 12. CG T0 07 09 87 PAGE 1 END | 2 |
KEY TO DECLARATIONS PREMIUM SCHEDULE ABBREVIATIONS CLASS DESCRIPT means CLASS DESCRIPTION LOC BLDG NO. means LOCATION BUILDING NUMBER OPN NO. means OPERATION NUMBER PREM OPS means PREMISES OPERATIONS PROD C OPS means PRODUCTS COMPLETED OPERATIONS PREMIUM BASE Key Letter Premium Base a Area c Total Cost m Admissions o Total Operating Expense p Payroll s Gross Sales t see note below u Units How Rates Apply per 1000 square feet per 1000 of total cost per 1000 admissions per 1000 of total operating expenditures per 1000 of payroll per 1000 of gross sales see note below per unit Premium base t applies for a number of rarely used premium bases. The specific base and how rates apply are shown with the Class Description on the DECLARATIONS PREMIUM SCHEDULE. CG T008 1103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 0001 10 01 SECTION COVERAGES Coverage A Bodily Injury and Property Insuring Agreement........... Damage Liability Exclusions......... cccoocevemunen Coverage B Personal and Advertising Insuring Agreement........... Injury Liability Exclusions......... cccoocevemunen Coverage C Medical Payments Insuring Agreement........... Exclusions Supplementary Payments SECTION IIWHO IS AN INSURED SECTION IlII LIMITS OF INSURANCE SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Bankruptcy..... Duties in the Event of Occurrence Legal Action Against Us Other Insurance. Premium Audit... Representations Separation of Insureds Transfer of Rights of Recovery Agamst Others To Us. When We Do Not Renew. SECTION V DEFINITIONS Beginning on Page TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 0001 10 01 SECTION COVERAGES Beginning on Page Caoverane A TABLE OF CONTENTS COMMERCIAL GENERAL LIABILITY COVERAGE FORM CG 0001 10 01 Coverage A Bodily Injury and Property Insuring Agreement Damage Liability Exclusions.2 Coverage B Personal and Advertising Insuring Agreement.5 Injury Liability Exclusions.5 Coverage C Medical Payments Insuring Agreement 7 Exclusions.7 Supplementary Payments................. SECTION I WHO IS AN INSURED... SECTION II LIMITS OF INSURANCE SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS Bankruptey.. Duties in the Event of Occurrence Claim or Sun 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 Coverage B Personal and Advertising Injury Liability Insuring Agreement............... EXclusions......... cccooeuevurinnne Coverage C Medical Payments CGT0341103 | 2 |
COMMERCIAL GENERAL LIABILITY COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of bodily injury or property dam age 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 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. 2 b. This insurance applies to bodily injury and property damage only if c. 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 Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive no tice of an occurrence or claim knew that the bodily injury or property dam age had occurred in whole or in part. If such a listed insured or authorized em ployee knew prior to the policy period that the bodily injury or property dam age occurred then any continuation change or resumption of such bodily in jury or property damage during or after the policy period will be deemed to have been known prior to the policy period. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have oc curred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or re ceive notice of an occurrence or claim in cludes any continuation change or resump tion of that bodily injury or property damage after the end of the policy period. Bodily injury or property damage will be deemed to have been known to have oc curred 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 occur rence or claim 1 Reports all or any part of the bodily in jury 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. 3 CG 00011001 1SO Properties Inc. 2000 Page 1 of 16 | 0 |
COMMERCIAL GENERAL LIABILITY Damages because of bodily injury include damages claimed by any person or organiza tion for care loss of services or death result ing at any time from the bodily injury. 2. Exclusions This insurance does not apply to a. c. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the in sured. This exclusion does not apply to bod ily injury resulting from the use of reasonable force to protect persons or property. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a con tract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the ab sence 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 oc curs subsequent to the execution of the contract or agreement. Solely for the pur poses of liability assumed in an insured contract reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bod ily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and Such attorney fees and litigation ex penses are for defense of that party against a civil or alternative dispute resolution proceeding in which dam ages 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 b 3 Any statute ordinance or regulation relat ing to the sale gift distribution or use of alcoholic beverages. This exclusion applies only if you are in the business of manufacturing distributing sell ing serving or furnishing alcoholic beverages. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unem ployment compensation law or any similar law. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the con duct of the insured s business or 2 The spouse child parent brother or sis ter of that employee as a consequence of Paragraph 1 above. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability as sumed by the insured under an insured con tract. Pollution 1 Bodily injury or property damage aris ing out of the actual alleged or threat ened discharge dispersal seepage mi gration release or escape of pollutants a At or from any premises site or loca tion 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 from equip ment used to heat that building i Bodily injury or property dam age for which you may be held liable if you are a contractor and the owner or lessee of such Page 2 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY b c d premises site or location has been added to your policy as an additional insured with respect to your ongoing operations per formed for that additional insured at that premises site or location and such premises site or loca tion is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iii Bodily injury or property dam age arising out of heat smoke or fumes from a hostile fire At or from any premises site or loca tion which is or was at any time used by or for any insured or others for the handling storage disposal process ing or treatment of waste Which are or were at any time trans ported handled stored treated dis posed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally re sponsible or At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in con nection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property dam age arising out of the escape of fuels lubricants or other operat ing fluids which are needed to perform the normal electrical hy draulic 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 ex ception does not apply if the bodily injury or property dam age arises out of the intentional discharge dispersal or release of the fuels lubricants or other op erating fluids or if such fuels lu bricants or other operating fluids are brought on or to the prem ises site or location with the in tent that they be discharged dis persed or released as part of the operations being performed by such insured contractor or sub contractor i Bodily injury or property dam age sustained within a building and caused by the release of gases fumes or vapors from ma terials brought into that building in connection with operations being performed by you or on your be half by a contractor or subcon tractor or iii Bodily injury or property dam age arising out of heat smoke or fumes from a hostile fire. At or from any premises site or loca tion on which any insured or any con tractors or subcontractors working di rectly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond to or assess the effects of pollutants. 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any in sured or others test for monitor clean up remove contain treat de toxify or neutralize or in any way re spond 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 assess ing the effects of pollutants. CG 00011001 1SO Properties Inc. 2000 Page 3 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY However this paragraph does not apply to liability for damages because of prop erty damage that the insured would have in the absence of such request demand order or statutory or regulatory require ment or such claim or suit by or on be half of a governmental authority. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or en trustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property dam age involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured Liability assumed under any insured con tract for the ownership maintenance or use of aircraft or watercraft or Bodily injury or property damage aris ing out of the operation of any of the equipment listed in Paragraph f.2 or.3 of the definition of mobile equip ment. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 4 5 2 The use of mobile equipment in or while in practice for or while being pre pared for any prearranged racing speed demolition or stunting activity. War Bodily injury or property damage due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection rebellion or revolution. This exclusion applies only to liability assumed under a contract or agreement. Damage To Property Property damage to 1 Property you own rent or occupy includ ing any costs or expenses incurred by you or any other person organization or entity for repair replacement enhance ment restoration or maintenance of such property for any reason including preven tion of injury to a person or damage to another s property Premises you sell give away or abandon if the property damage arises out of any part of those premises Property loaned to you Personal property in the care custody or control of the insured That particular part of real property on which you or any contractors or subcon tractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or That particular part of any property that must be restored repaired or replaced because your work was incorrectly per formed oniit. 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 7 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. 3 G Page 4 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY Paragraphs 3 4 5 and 6 of this exclu sion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the prod ucts 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 dan gerous 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 prod uct 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 ex pense incurred by you or others for the loss of use withdrawal recall inspection repair re placement 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 in adequacy or dangerous condition in it. o. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or tempo rarily 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 We will pay those sums that the insured be comes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. This insurance applies to personal and ad vertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory dur ing the policy period. 2. Exclusions This insurance does not apply to Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. CG 00011001 1SO Properties Inc. 2000 Page 5 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication of material if done by or at the direction of the insured with knowledge of its falsity. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication of material whose first publication took place before the begin ning of the policy period. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direc tion of the insured. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement. Quality Or Performance Of Goods Fail ure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or per formance made in your advertisement. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your adver tisement. Infringement Of Copyright Patent Trade mark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. However this exclusion does not apply to in fringement in your advertisement of copy right trade dress or slogan. Insureds In Media And Internet Type Busi nesses 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 Sec tion. 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 advertis ing 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 in sured 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 mis lead another s potential customers.. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or es cape of pollutants at any time. Pollution Related Any loss cost or expense arising out of any 1 Request demand or order that any in sured or others test for monitor clean up remove contain treat detoxify or neutral ize or in any way respond to or assess the effects of pollutants or Claim or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up re moving containing treating detoxifying or neutralizing or in any way responding Page 6 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY to or assessing the effects of pollut ants. COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an acci dent 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 1 The accident takes place in the coverage territory and during the policy period 2 The expenses are incurred and reported to us within one year of the date of the accident and 3 The injured person submits to examina tion at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the ap plicable limit of insurance. We will pay rea sonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical x ray and dental services including prosthetic de vices and 3 Necessary ambulance hospital profes sional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer work ers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of prem ises you own or rent that the person nor mally occupies. d. Workers Compensation And Similar Laws To a person whether or not an em ployee 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 taking part in athletics. f. Products Completed Operations Haz ard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. h. War Due to war whether or not declared or any act or condition incident to war. War includes civil war insurrection rebellion or revolution. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investi gate or settle or any suit against an insured we defend a. b. All expenses we incur. Up to 250 for cost of bail bonds required be cause of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. All reasonable expenses incurred by the in sured at our request to assist us in the inves tigation or defense of the claim or suit in cluding actual loss of earnings up to 250 a day because of time off from work. All costs taxed against the insured in the suit. Prejudgment interest awarded against the in sured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment CG 00011001 1SO Properties Inc. 2000 Page 7 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY interest based on that period of time after the offer. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or de posited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of in surance. 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 dam ages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract This insurance applies to such liability as sumed 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 The allegations in the suit and the informa tion we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee The indemnitee and the insured ask us to conduct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and The indemnitee 1 Agrees in writing to a Cooperate with us in the investiga tion settlement or defense of the suit Immediately send us copies of any demands notices summonses or le gal papers received in connection with the suit Notify any other insurer whose cov erage is available to the indemnitee and Cooperate with us with respect to co ordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to b c d 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 attor neys fees incurred by us in the defense of that indemnitee necessary litigation expenses in curred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstand ing the provisions of Paragraph 2.b.2 of Section I 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 liti gation expenses as Supplementary Payments ends when a. We have used up the applicable limit of in surance in the payment of judgments or set tlements or b. 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 insur eds 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 in sured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an in sured. Your members are also insureds but only with respect to the conduct of your busi ness. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and di rectors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. Atrust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. Page 8 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY 2. Each of the following is also an insured a. Your volunteer workers only while perform ing duties related to the conduct of your busi ness or your employees other than either your executive officers if you are an organi zation other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their em ployment by you or while performing duties related to the conduct of your business. How ever none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertis ing injury a To you to your partners or members if you are a partnership or joint ven ture to your members if you are a limited liability company to a co employee while in the course of his or her employment or performing du ties related to the conduct of your business or to your other volunteer workers while performing duties re lated to the conduct of your business To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay some one else who must pay damages be cause of the injury described in Para graphs 1a or b above or Arising out of his or her providing or failing to provide professional health care services. Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical con trol is being exercised for any pur pose 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 com pany. b c d 2 b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That represen tative will have all your rights and duties un der this Coverage Part. With respect to mobile equipment registered in your name under any motor vehicle registration law any person is an insured while driving such equipment along a public highway with your per mission. Any other person or organization re sponsible for the conduct of such person is also an insured but only with respect to liability arising out of the operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an insured with re spect to a. Bodily injury to a coemployee of the per son driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an in sured under this provision. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named In sured if there is no other similar insurance avail able to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy pe riod whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. CG 00011001 1SO Properties Inc. 2000 Page 9 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY 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 Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay re gardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The 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 dam ages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. 3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and prop erty damage included in the products completed operations hazard. 4. Subject to 2. above the Personal and Advertising Injury Limit is the most we will pay under Cover age B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to 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 dam age arising out of any one occurrence. 6. Subject to 5. above the Damage To Premises Rented To You Limit is the most we will pay un der Coverage A for damages because of prop erty 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 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sus tained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcey or insolvency of the insured or of the insured s estate will not relieve us of our obliga tions under this Coverage Part. 2. Duties In The Event Of 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 no tice of the claim or suit as soon as practica ble. c. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or suit Authorize us to obtain records and other information Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any person 3 Page 10 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an in sured 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 settle ment means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Cover ages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when b. be low applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in c. below. b. Excess Insurance This insurance is excess over 1 Any of the other insurance whether pri mary excess contingent or on any other basis a That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work b That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner c 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 If the loss arises out of the mainte nance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section I Coverage A Bodily Injury And Property Dam age Liability. Any other primary insurance available to you covering liability for damages arising out of the premises or operations for which you have been added as an addi tional insured by attachment of an en dorsement. 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 in surer 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 entitied to the insured s rights against all those other in surers. When this insurance is excess over other in surance we will pay only our share of the amount of the loss if any that exceeds the sum of 1 The total amount that all such other in surance would pay for the loss in the ab sence of this insurance and 2 The total of all deductible and self insured amounts under all that other insurance. We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. Method Of Sharing If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contrib d 2 CG 00011001 1SO Properties Inc. 2000 Page 11 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY ute by limits. Under this method each in surer s share is based on the ratio of its appli cable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Cover age Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will com pute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premi ums is the date shown as the due date on the bill. If the sum of the advance and audit pre miums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium compu tation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accu rate and complete b. Those statements are based upon represen tations 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 Oth ers To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 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 expi ration date. If notice is mailed proof of mailing will be suffi cient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific mar ket segments about your goods products or ser vices 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 ser vices for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a land motor vehicle trailer or semitrailer designed for travel on public roads in cluding any attached machinery or equipment. But auto does not include mobile equipment. 3. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. 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 1 Goods or products made or sold by you in the territory described in a. above 2 The activities of a person whose home is in the territory described in a. above but is away for a short time on your business or Personal and advertising injury offenses that take place through the Internet or similar electronic means of communica tion 3 Page 12 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY provided the insured s responsibility to pay dam ages is determined in a suit on the merits in the territory described in a. above or in a settlement we agree to. Employee includes a leased worker. Em ployee does not include a temporary worker. Executive officer means a person holding any of the officer positions created by your charter con stitution by laws or any other similar governing document. Hostile fire means one which becomes uncon trollable 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 defi cient inadequate or dangerous or b. You have failed to fulfill the terms of a con tract or agreement if such property can be restored to use by a. The repair replacement adjustment or re moval of your product or your work or b. Your fulfiling the terms of the contract or agreement. 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 or ganization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract A sidetrack agreement Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to in demnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement f. That part of any other contract or agreement pertaining to your business including an in demnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any con tract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily in jury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or draw ings and specifications or b Giving directions or instructions or failing to give them if that is the pri mary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 10. Leased worker means a person leased to you 11. b y a labor leasing firm under an agreement be tween you and the labor leasing firm to perform d uties related to the conduct of your business. Leased worker does not include a temporary worker. Loading or unloading means the handling of p roperty After it is moved from the place where it is accepted for movement into or onto an air craft watercraft or auto While it is in or on an aircraft watercraft or auto or While it is being moved from an aircraft wa tercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical CG 00011001 1SO Properties Inc. 2000 Page 13 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY 12. device other than a hand truck that is not at tached to the aircraft watercraft or auto. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not main tained primarily to provide mobility to perma nently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equip ment such as graders scrapers or rollers e. Vehicles not described in a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the fol lowing types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers f. Vehicles not described in a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the fol lowing types of permanently attached equip ment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construc tion or resurfacing or c Street cleaning Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. 2 13. Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14. Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. b. c. g. False arrest detention or imprisonment Malicious prosecution The wrongful eviction from wrongful entry into or invasion of the right of private occu pancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor Oral or written publication in any manner of material that slanders or libels a person or or ganization or disparages a person s or or ganization s goods products or services Oral or written publication in any manner of material that violates a person s right of pri vacy The use of another s advertising idea in your advertisement or Infringing upon another s copyright trade dress or slogan in your advertisement. 15. Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16. Products completed operations hazard Includes all bodily injury and property dam age occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. c When that part of the work done at a job site has been put to its intended Page 14 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY use by any person or organization other than another contractor or sub contractor working on the same pro ject. Work that may need service mainte nance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused ma terials or 3 Products or operations for which the clas sification listed in the Declarations or in a policy schedule states that products completed operations are subject to the General Aggregate Limit. 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occur rence that caused it. For the purposes of this insurance electronic data is not tangible property. As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and appli cations software hard or floppy disks CD ROMS tapes drives cells data processing devices or any other media which are used with electroni cally controlled equipment. 18. Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this in surance applies are alleged. Suit includes a. An arbitration proceeding in which such dam ages are claimed and to which the insured must submit or does submit with our consent or Any other alternative dispute resolution pro ceeding in which such damages are claimed and to which the insured submits with our consent. 19. Temporary worker means a person who is 20. furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21. Your product Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organization whose busi ness or assets you have acquired and 2 Containers other than vehicles materi als parts or equipment furnished in con nection with such goods or products. Includes 1 Warranties or representations made at any time with respect to the fitness qual ity durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. Does not include vending machines or other property rented to or located for the use of others but not sold. 22. Your work Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. CG 00011001 1SO Properties Inc. 2000 Page 15 of 16 | 1 |
COMMERCIAL GENERAL LIABILITY b. Includes 1 Warranties or representations made at any time with respect to the fitness qual ity durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 1SO Properties Inc. 2000 CG 00011001 | 1 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE POLLUTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS Paragraph f.2 Pollution Part 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY is b deleted and replaced by the following 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 re move contain treat detoxify or neutral ize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a gov ernmental authority because of testing for monitoring cleaning up removing containing treating detoxifying or neu tralizing or in any way responding to or assessing the effects of pollutants. CG D255 11 03 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE TERRITORY LIMITATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following replaces the definition of coverage ter ritory in the DEFINITIONS Section Coverage territory means a. The United States of America including its territo ries 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 arises out of personal injury or advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in a. above or in a settliement we agree to. CG D4 23 07 08 Page 1 of 1 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS A. AMENDMENT OF DEFINITION OF PERSONAL AND ADVERTISING INJURY The following replaces the definition of personal and advertising injury in the DEFINITIONS Sec tion Personal and advertising injury means personal injury or advertising injury. B. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION EXCEPTION FOR DAMAGES BECAUSE OF PERSONAL INJURY ASSUMED BY NAMED INSURED IN AN INSURED CON TRACT 1. The following is added to Exclusion e. Con tractual Liability in Paragraph 2. of SEC TION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY This exclusion also does not apply to liability for damages because of personal injury as sumed by you in a contract or agreement that is an insured contract provided that the personal injury is caused by an offense committed subsequent to the execution of the contract or agreement. Solely for the pur poses of liability assumed by you in an in sured contract reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of personal injury provided that 1 Liability to such party for or for the cost of that party s defense has also been as sumed by you in the same insured con tract and Such attorney fees and litigation ex penses are for defense of that party against a civil or alternative dispute reso lution proceeding in which damages to which this insurance applies are alleged. 2 CG D4 7102 09 2009 The Travelers Companies Inc. 2. The following replaces the third sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily In jury And Property Damage Liability or Para graph 2.e. of Section Coverage B Per sonal and Advertising Injury Liability such payments will not be deemed to be damages because of bodily injury property damage or personal injury and will not reduce the limits of insurance. 3. The following replaces the first paragraph of Paragraph f. of the definition of insured con tract in the DEFINITIONS Section f. That part of any other contract or agree ment pertaining to your business includ ing an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury property damage or per sonal injury to a third party or organiza tion. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. C. AMENDMENT OF OTHER EXCLUSIONS 1. The following replaces Exclusion b. Material Published With Knowledge Of Falsity in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY b. Material Published With Knowledge Of Falsity Personal injury or advertising injury arising out of oral or written publication including publication by electronic means of material if done by or at the direction of the insured with knowledge of its fal sity. 2. The following replaces Exclusion c. Material Published Prior To Policy Period in Para Page 1 of 4 Includes copyrighted material of Insurance Services Office Inc. with its permission. CG D4 7102 09 | 2 |
COMMERCIAL GENERAL LIABILITY graph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY c. Material Published Or Used Prior To Policy Period 1 Personal injury or advertising in jury arising out of oral or written pub lication including publication by elec tronic means of material whose first publication took place before the be ginning of the policy period or Advertising injury arising out of in fringement of copyright title or slo gan in your advertisement whose first infringement in your advertise ment was committed before the be ginning of the policy period. The following replaces Exclusion f. Breach Of Contract in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY f. Breach Of Contract Advertising injury arising out of a breach of contract. 2 The following replaces Exclusion g. Quality Or Performance of Goods Failure To Conform To Statements in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY g. Quality Or Performance Of Goods Failure To Conform To Statements Advertising injury arising out of the fail ure of goods products or services to con form with any statement of quality or per formance made in your advertisement. The following replaces Exclusion h. Wrong Description Of Prices in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY h. Wrong Description Of Prices Advertising injury arising out of the wrong description of the price of goods products or services stated in your ad vertisement. The following replaces Exclusion i. In fringement Of Copyright Patent Trade mark Or Trade Secret in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY i. Intellectual Property Personal injury or advertising injury arising out of any actual or alleged in fringement or violation of any of the fol lowing rights or laws or any other per sonal injury or advertising injury alleged in any claim or suit that also alleges any such infringement or violation 1 Copyright 2 Patent 3 Trade dress 4 Trade name 5 Trademark 6 Trade secret or 7 Other intellectual property rights or laws. This exclusion does not apply to 1 Advertising injury arising out of any actual or alleged infringement or vio lation of another s copyright title or slogan in your advertisement or 2 Any other personal injury or adver tising injury alleged in any claim or suit that also alleges any such in fringement or violation of another s copyright title or slogan in your advertisement. 7. The following replaces Exclusion j. Insureds In Media And Internet Type Businesses in Paragraph 2. of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY j Insureds In Media And Internet Type Businesses Personal injury or advertising injury arising out of an offense committed by an insured whose business is 1 Advertising broadcasting or pub lishing 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. This exclusion does not apply to Para graphs a.1 2 and 3 of the definition of personal injury. For the purposes of this exclusion mpanies Inc. CG D4 7102 09 vices Office Inc. with its permission. Page 2 of 4 2009 The Travelers Companies Inc. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY 1 Creating and producing correspon dence written in the conduct of your business bulletins financial or an nual reports or newsletters about your goods products or services will not be considered the business of publishing and The placing of frames borders or links or advertising for you or others anywhere on the Internet will not by itself be considered the business of advertising broadcasting or publish ing. 8. The following replaces Paragraph 2 of Ex clusion n. Pollution Related in Paragraph 2. of SECTION COVERAGES COVER AGE B PERSONAL AND ADVERTISING INJURY LIABILITY 2 Claim or suit by or on behalf of a govern mental authority because of testing for monitoring cleaning up removing con taining treating detoxifying or neutraliz ing or in any way responding to or as sessing the effects of pollutants. D. AMENDMENT OF WHO IS AN INSURED The following replaces the introductory phrase of Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED 1 Bodily injury or personal injury E. AMENDMENT OF LIMITS OF INSURANCE The following replaces Paragraph 4. of SECTION 1l LIMITS OF INSURANCE Subject to 2. above the Personal and Advertising Injury Limit is the most we will pay under Cover age B for the sum of all damages because of all personal injury and advertising injury sus tained by any one person or organization. F. ADDITIONAL DEFINITIONS The following is added to the DEFINITIONS Sec tion Advertising injury a. Means injury other than personal injury caused by one or more of the following of fenses 1 Oral or written publication including pub lication by electronic means of material in your advertisement that slanders or li bels a person or organization or dispar ages a person s or organization s goods products or services provided that the claim is made or the suit is brought by a 2 CG D4 7102 09 2009 The Travelers Companies Inc. person or organization that claims to have been slandered or libeled or that claims to have had its goods products or ser vices disparaged 2 Oral or written publication including pub lication by electronic means of material in your advertisement that a Appropriates a person s name voice photograph or likeness b Unreasonably places a person in a false light or c Discloses information about a per son s private life or 3 Infringement of copyright title or slo gan in your advertisement provided that the claim is made or the suit is brought by a person or organization that claims ownership of such copyright title or slogan. b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Broadcasting means transmitting any audio or visual material for any purpose a. By radio or television or b. In by or with any other electronic means of communication such as the Internet if that material is part of 1 Radio or television programming being transmitted 2 Other entertainment educational instruc tional music or news programming being transmitted or 3 Advertising transmitted with any of such programming. Personal injury a. Means injury other than advertising injury caused by one or more of the following of fenses 1 False arrest detention or imprisonment 2 Malicious prosecution 3 The wrongful eviction from wrongful entry into or invasion of the right of private oc cupancy of a room dwelling or premises that a person occupies provided that the wrongful eviction wrongful entry or inva sion of the right of private occupancy is committed by or on behalf of the owner landlord or lessor of that room dwelling or premises Page 3 of 4 Includes copyrighted material of Insurance Services Office Inc. with its permission. Page 3 of 4 | 2 |
COMMERCIAL GENERAL LIABILITY 4 Oral or written publication including pub 5 lication by electronic means of material that slanders or libels a person or organi zation or disparages a person s or or ganization s goods products or services provided that the claim is made or the suit is brought by a person or organiza tion that claims to have been slandered or libeled or that claims to have had its goods products or services disparaged or Oral or written publication including pub lication by electronic means of material that a Appropriates a person s name voice photograph or likeness b Unreasonably places a person in a false light or c Discloses information about a per son s private life. b. Includes bodily injury caused by one or more of the offenses described in Paragraph a. above. Slogan a. Means a phrase that others use for the pur pose of attracting attention in their advertis ing. b. Does not include a phrase used as or in the name of 1 Any person or organization other than you or 2 Any business or any of the premises goods products services or work of any person or organization other than you. Title means a name of a literary or artistic work. Page 4 of 4 CG D4 7102 09 2009 The Travelers Companies Inc. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insur ance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insur ance 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 ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursu ant to the federal Terrorism R criteria contained in the Terror for a certified act of terrorism 1. The act resulted in insured million in the aggregate at insurance subject to the T Act and 2. The act is a violent act or to human life property o committed by an individua of an effort to coerce the c United States or to influer the conduct of the United coercion. ant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The actis a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. CG 21700108 ISO Properties Inc. 2007 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OTHER INSURANCE ADDITIONAL INSUREDS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV Paragraph 4. Other Insurance is amended as follows 1. The following is added to Paragraph a. Primary Insurance However if you specifically agree in a written con tract or written agreement that the insurance pro vided to an additional insured under this Coverage Part must apply on a primary basis or a primary and non contributory basis this insur ance is primary to other insurance that is avail able to such additional insured which covers such additional insured as a named insured and we will not share with that other insurance provided that a. The bodily injury or property damage for which coverage is sought occurs and b. The personal injury or advertising injury for which coverage is sought arises out of an of fense committed subsequent to the signing and execution of that contract or agreement by you. The first Subparagraph 2 of Paragraph b. Ex cess Insurance regarding any other primary in surance available to you is deleted. The following is added to Paragraph b. Excess Insurance as an additional subparagraph under Subparagraph 1 That is available to the insured when the insured is added as an additional insured under any other policy including any umbrella or excess policy. CG D0 37 04 05 Copyright 2005 The St. Paul Travelers Companies Inc. All rights reserved. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY 1. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OTHER ADDITIONAL INSUREDS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS WHO IS AN INSURED SECTION II is amended to include as an insured any person or organiza tion called hereafter additional insured with whom you have agreed in a written contract executed prior to loss to name as an additional insured but a. Only with respect to liability because of bodily injury or property damage arising out of your work for that additional insured performed by you or for you and b. Subject to any limitations in the written con tract regarding the scope of the additional insured status. This insurance does not apply to bodily injury or property damage arising out of your work included in the products completed operations hazard unless you are required to provide such coverage by written contract and then only for the period of time required by the contract but in no event beyond the expiration date of the policy. The Limits of Insurance provided to such addi tional insured shall be a. The limits which you have agreed to provide or b. The limits shown on the Declarations whichever is less. 3. This insurance is excess over any valid and col lectible insurance unless you have agreed in a written contract for this insurance to apply on a primary or contributory basis. 4. This insurance does not apply on any basis a. To any person or organization for whom you have purchased an Owners and Contractors Protective policy. b. To any person or organization who dis tributes or sells your products in the regular course of its business. c. To any person or organization from whom you have acquired any products or any in gredient part or container entering into ac companying or containing such products. d. To any manager or lessor of premises with respect to liability arising out of the owner ship maintenance or use of that part of any premises leased to you. e. To any lessor of leased equipment. f. To any architect engineer or surveyor for injury or damage arising out of 1 The preparing approving or failing to prepare or approve maps drawings opinions reports surveys change or ders designs or specifications and 2 Supervisory inspection or engineering services. CG D144 0196 Copyright The Travelers Indemnity Company 1996. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT NON CUMULATION OF EACH OCCURRENCE LIMIT OF LIABILITY and NON CUMULATION OF PERSONAL and ADVERTISING INJURY LIMIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART 1. Paragraph 5 of SECTION IIl LIMITS OF INSUR ANCE is amended to include the following Non cumulation of Each Occurrence Limit If one occurrence causes bodily injury andor prop erty damage during the policy period and during the policy period of one or more prior andor future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company the amount we will pay is limited. This policy s Each Occurrence Limit will be reduced by the amount of each payment made by us and any affiliated insurance company under the other policies because of such occur rence. 2. Paragraph 4 of SECTION IIl LIMITS OF INSUR ANCE is amended to include the following Non cumulation of Personal and Advertising Limit If personal injury andor advertising injury is sustained by any one person or organization dur ing the policy period and during the policy period of one or more prior andor future policies that include a commercial general liability coverage part for the insured issued by us or any affiliated insurance company the amount we will pay is limited. This policy s Personal Injury and Advertis ing Injury Limit will be reduced by the amount of each payment made by us and any affiliated in surance company under the other policies be cause of such personal injury andor advertising injury. CGD2031297 Copyright Travelers Indemnity Company 1997 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE POLLUTION COOLING DEHUMIDIFYING AND WATER HEATING EQUIPMENT EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The following replaces Paragraph 1ai of Exclusion f. Pollution in Paragraph 2. of SECTION COVER AGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or origi nating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests CG D4 1304 08 Page 1 of 1 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. XTEND ENDORSEMENT FOR COMMERCIAL INDUSTRIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART GENERAL DESCRIPTION OF COVERAGE This endorsement broadens coverage. However coverage for any injury damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to this Coverage Part and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general cover age description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this en dorsement and the rest of your policy carefully to determine rights duties and what is and is not covered. A. Broadened Named Insured B. Blanket Additional Insured Broad Form Vendors C. Damage To Premises Rented To You Perils of fire explosion lightning smoke water Limit increased to 300000 D. Blanket Waiver Of Subrogation E. Blanket Additional Insured Owners Managers Or Lessors Of Premises F. Blanket Additional Insured Lessors Of Leased Equipment G. Incidental Medical Malpractice H. Personal Injury Assumed By Contract I. Amended Bodily Injury Definition PROVISIONS A. BROADENED NAMED INSURED 1. The following is added to SECTION Il WHO IS AN INSURED Any organization other than a partnership or joint venture over which you maintain owner ship or majority interest on the effective date of the policy qualifies as a Named Insured. However coverage for any such organization will cease as of the date during the policy pe riod that you no longer maintain ownership of or majority interest in such organization. 2. The following replaces Paragraph 4.a. of SECTION Il WHO IS AN INSURED a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period whichever is earlier unless reported in writing to us within 180 days. J. Bodily Injury To Co Employees And Co Volunteer Workers K. Aircraft Chartered With Crew o ooz Non Owned Watercraft Increased From 25 Feet To 50 Feet. Increased Supplementary Payments Cost of bail bonds increased to 2500 Loss of earnings increased to 500 per day Medical Payments Increased Limit. Knowledge And Notice Of Occurrence Or Offense Unintentional Omission. Reasonable Force Bodily Injury Or Property Damage BLANKET ADDITIONAL INSURED BROAD FORM VENDORS The following is added to SECTION Il WHO IS AN INSURED Any person or organization that is a vendor and that you have agreed in a written contract or agreement to include as an additional insured on this Coverage Part is an insured but only with re spect to liability for bodily injury or property damage that a. s caused by an occurrence that takes place after you have signed and executed that con tract or agreement and b. Arises out of your products which are dis tributed or sold in the regular course of such vendor s business. The insurance provided to such vendor is subject to the following provisions Page 1 of 7 CG D4580713 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY a. The limits of insurance provided to such ven dor will be the limits which you agreed to pro vide in the written contract or agreement or the limits shown in the Declarations of this Coverage Part whichever are less. b. The insurance provided to such vendor does not apply to 1 Bodily injury or property damage for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement 2 Any express warranty unauthorized by you 3 Any physical or chemical change in your products made intentionally by such vendor Repackaging unless unpacked solely for the purpose of inspection demonstration testing or the substitution of parts under instructions from the manufacturer and then repackaged in the original container Any failure to make such inspections ad justments tests or servicing as vendors agree to perform or normally undertake to perform in the regular course of business in connection with the distribution or sale of your products Demonstration installation servicing or repair operations except such operations performed at such vendor s premises in connection with the sale of your prod ucts or Your products which after distribution or sale by you have been labeled or rela beled or used as a container part or in gredient of any other thing or substance by or for such vendor. Coverage under this provision does not apply to a. Any person or organization from whom you have acquired your products or any ingre dient part or container entering into accom panying or containing such products or b. Any vendor for which coverage as an addi tional insured specifically is scheduled by en dorsement. C. DAMAGE TO PREMISES RENTED TO YOU 1. The following replaces the last paragraph of Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY IN 4 5 6 JURY AND PROPERTY DAMAGE LIABIL ITY Exclusions. through n. do not apply to dam age to premises while rented to you or tem porarily occupied by you with permission of the owner caused by a. Fire b. Explosion c. Lightning d. Smoke resulting from such fire explosion or lightning or e. Water. A separate limit of insurance applies to such damage to premises as described in Para graph 6. of Section lll Limits Of Insurance. This insurance does not apply to damage to premises while rented to you or temporarily occupied by you with permission of the owner caused by a. Rupture bursting or operation of pres sure relief devices b. Rupture or bursting due to expansion or swelling of the contents of any building or structure caused by or resulting from wa ter c. Explosion of steam boilers steam pipes steam engines or steam turbines. The following replaces Paragraph 6. of SEC TION Ill LIMITS OF INSURANCE Subject to 5. above the Damage To Prem ises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or temporarily occupied by you with permission of the owner caused by fire explosion lightning smoke resulting from such fire explosion or lightning or wa ter. The Damage To Premises Rented To You Limit will apply to all damage proximately caused by the same occurrence whether such damage results from fire explosion lightning smoke resulting from such fire ex plosion or lightning water or any combina tion of any of these. The Damage To Premises Rented To You Limit will be the higher of a. 300000 or b. The amount shown on the Declarations of this Coverage Part for Damage To Prem ises Rented To You Limit. CG D4580713 Page 2of 7 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY CG D4580713 3. The following replaces Paragraph a. of the definition of insured contract in the DEFINI TIONS Section a. A contract for a lease of premises. How ever that portion of the contract for a lease of premises that indemnifies any person or organization for damage to premises while rented to you or tempo rarily occupied by you with permission of the owner caused by 1 Fire 2 Explosion 3 Lightning 4 Smoke resulting from such fire ex plosion or lightning or 5 Water. is not an insured contract 4. The following replaces Paragraph 4.b.1b of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS b That is insurance for premises rented to you or temporarily occupied by you with the permission of the owner D. BLANKET WAIVER OF SUBROGATION The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of SECTION IV COMMERCIAL GENERAL LI ABILITY CONDITIONS We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of premises owned or occupied by or rented or loaned to you ongoing operations performed by you or on your behalf done under a contract with that person or organization your work or your products. We waive this right where you have agreed to do so as part of a written contract executed by you prior to loss. BLANKET ADDITIONAL INSURED OWNERS MANAGERS OR LESSORS OF PREMISES The following is added to SECTION Il WHO IS AN INSURED Any person or organization that is a premises owner manager or lessor and that you have agreed in a written contract or agreement to name as an additional insured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage personal injury or advertising injury that a. Is bodily injury or prop by an occurrence that sonal injury or advertis an offense that is comn signed and executed th ment and b. Arises out of the owner use of that part of any you. The insurance provided to s manager or lessor is subjec visions a. The limits of insuranc premises owner manag the limits which you agr written contract or agre shown on the Declaratic Part whichever are less. b. The insurance provide owner manager or lessc 1 Bodily injury or caused by an oc place or personal i injury caused by an mitted after you ce that premises or Structural alterations demolition operation behalf of such prem or lessor. c. The insurance provide owner manager or less valid and collectible othe to such premises owner unless you have agreed for this insurance to ar contributory basis. BLANKET ADDITIONAL IN OF LEASED EQUIPMENT The following is added to SI AN INSURED Any person or organization lessor and that you have ag tract or agreement to includ sured on this Coverage Pa only with respect to liabilit property damage person ing injury that a. Is bodily injury or prop by an occurrence that sonal injury or advertis an offense that is comn 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. a. Is bodily injury or property damage caused by an occurrence that takes place or per sonal injury or advertising injury caused by an offense that is committed after you have signed and executed that contract or agree ment and b. Arises out of the ownership maintenance or use of that part of any premises leased to you. The insurance provided to such premises owner manager or lessor is subject to the following pro visions a. The limits of insurance provided to such premises owner manager or lessor will be the limits which you agreed to provide in the written contract or agreement or the limits shown on the Declarations of this Coverage Part whichever are less. b. The insurance provided to such premises owner manager or lessor does not apply to 1 Bodily injury or property damage caused by an occurrence that takes place or personal injury or advertising injury caused by an offense that is com mitted after you cease to be a tenant in that premises or Structural alterations new construction or demolition operations performed by or on behalf of such premises owner manager or lessor. c. The insurance provided to such premises owner manager or lessor is excess over any valid and collectible other insurance available to such premises owner manager or lessor unless you have agreed in a written contract for this insurance to apply on a primary or contributory basis. F. BLANKET ADDITIONAL INSURED LESSORS OF LEASED EQUIPMENT The following is added to SECTION Il WHO IS AN INSURED Any person or organization that is an equipment lessor and that you have agreed in a written con tract or agreement to include as an additional in sured on this Coverage Part is an insured but only with respect to liability for bodily injury property damage personal injury or advertis ing injury that a. Is bodily injury or property damage caused by an occurrence that takes place or per sonal injury or advertising injury caused by an offense that is committed after you have y Company. All rights reserved. Page 3 of 7 Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY signed and executed that contract or agree ment and Is caused in whole or in part by your acts or omissions in the maintenance operation or use by you of equipment leased to you by such equipment lessor. The insurance provided to such equipment lessor is subject to the following provisions a. The limits of insurance provided to such equipment lessor will be the limits which you agreed to provide in the written contract or agreement or the limits shown on the Decla rations of this Coverage Part whichever are less. The insurance provided to such equipment lessor does not apply to any bodily injury or property damage caused by an occurrence that takes place or personal injury or ad vertising injury caused by an offense that is committed after the equipment lease expires. The insurance provided to such equipment lessor is excess over any valid and collectible other insurance available to such equipment lessor unless you have agreed in a written contract for this insurance to apply on a pri mary or contributory basis. G. INCIDENTAL MEDICAL MALPRACTICE 1. The following is added to the definition of oc currence in the DEFINITIONS Section Unless you are in the business or occupation of providing professional health care services occurrence also means an act or omission committed in providing or failing to provide incidental medical services to a person. The following is added to the DEFINITIONS Section Incidental medical services means a. Medical surgical dental laboratory x ray or nursing service or treatment advice or instruction or the related furnishing of food or beverages b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances c. Firstaid or d. Good Samaritan services. Good Samaritan services means any emer gency medical services for which no compen sation is demanded or received. The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Unless you are in the business or occupation of providing professional health care services Paragraphs 1a b c and d above do not apply to any bodily injury arising out of any providing or failing to provide incidental medical services by any of your employees other than an employed doctor. Any such employees providing or failing to provide incidental medical services during their work hours for you will be deemed to be acting within the scope of their employment by you or performing duties related to the conduct of your business. The following exclusion is added to Para graph 2. Exclusions of SECTION COV ERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Sale Of Pharmaceuticals Bodily injury or property damage arising out of the willful violation of a penal statute or ordinance relating to the sale of pharmaceuti cals committed by or with the knowledge or consent of the insured. The following is added to Paragraph 5. of SECTION Il LIMITS OF INSURANCE For the purposes of determining the applica ble Each Occurrence Limit all related acts or omissions committed in the providing or fail ing to provide incidental medical services to any one person will be considered one oc currence. The following is added to Paragraph 4.b. Ex cess Insurance of SECTION IV COM MERCIAL GENERAL LIABILITY CONDI TIONS This insurance is excess over any valid and collectible other insurance whether primary excess contingent or on any other basis that is available to any of your employees for bodily injury that arises out of providing or failing to provide incidental medical services to any person to the extent not subject to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED. H. PERSONAL INJURY ASSUMED BY CON TRACT 1. The following replaces Exclusion e. Contrac tual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE B PER SONAL AND ADVERTISING INJURY LI ABILITY CG D4580713 Page 4 of 7 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY e. Contractual Liability Personal injury or advertising injury for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to 1 Liability for damages that the insured would have in the absence of the contract or agreement or Liability for damages because of personal injury assumed in a con tract or agreement that is an insured contract provided that the personal injury is caused by an offense com mitted subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable at torneys fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of personal injury provided that a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorney fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this in surance applies are alleged. 2. The following replaces the third sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B Notwithstanding the provisions of Paragraph 2.b.2 of Section I Coverage A Bodily In jury And Property Damage Liability or Para graph 2.e. of Section I Coverage B Per sonal and Advertising Injury Liability such payments will not be deemed to be damages because of bodily injury property damage or personal injury and will not reduce the limits of insurance. 3. The following replaces Paragraph 2.d. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B d. The allegations in the suit and the in formation we know about the occur rence or offense are such that no conflict appears to exist between the interests of 2 the insured and the interests of the in demnitee 4. The following replaces the first subparagraph of Paragraph f. of the definition of insured contract in the DEFINITIONS Section f. That part of any other contract or agree ment pertaining to your business includ ing an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury property damage or per sonal injury to a third person or organiza tion. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. AMENDED BODILY INJURY DEFINITION The following replaces the definition of bodily in jury in the DEFINITIONS Section Bodily injury means bodily injury mental an guish mental injury shock fright disability hu miliation sickness or disease sustained by a per son including death resulting from any of these at any time. BODILY INJURY TO CO EMPLOYEES AND CO VOLUNTEER WORKERS The following is added to Paragraph 2.a.1 of SECTION Il WHO IS AN INSURED Paragraph 1a above does not apply to bodily injury to a coemployee in the course of the co employee s employment by you or performing duties related to the conduct of your business or to bodily injury to your other volunteer workers while performing duties related to the conduct of your business. AIRCRAFT CHARTERED WITH CREW The following is added to Exclusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY This exclusion does not apply to an aircraft that is a Chartered with crew to any insured b Not owned by any insured and c Not being used to carry any person or prop erty for a charge. L. NON OWNED WATERCRAFT 1. The following replaces Paragraph 2 of Ex clusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Page 50of 7 CG D4580713 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY 2 A watercraft you do not own that is a Fifty feet long or less and b Not being used to carry any person or property for a charge. The following is added to Paragraph 2. of SECTION Il WHO IS AN INSURED Any person or organization that with your ex press or implied consent either uses or is re sponsible for the use of a watercraft that you do not own that is 1 Fifty feet long or less and 2 Not being used to carry any person or property for a charge. M. INCREASED SUPPLEMENTARY PAYMENTS The following replaces Paragraph 1.b. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER AGES 1. b. Up to 2500 for cost of bail bonds re quired because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to fur nish these bonds. The following replaces Paragraph 1.d. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVER AGES d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. N. MEDICAL PAYMENTS INCREASED LIMIT The following replaces Paragraph 7. of SECTION Il LIMITS OF INSURANCE Subject to 5. above the Medical Expense Limit is the most we will pay under Coverage C. for all medical expenses because of bod ily injury sustained by any one person and will be the higher of a 10000 or b The amount shown on the Declarations of 7. this Coverage Part for Medical Expense Limit. KNOWLEDGE AND NOTICE OF OCCUR RENCE OR OFFENSE The following is added to Paragraph 2. Duties In The Event of Occurrence Offense Claim or Suit of SECTION IV COMMERCIAL GEN ERAL LIABILITY CONDITIONS Page 6 of 7 2013 The Travelers Indemnity Company. All rights reserved. The following provisions apply to Paragraph a. above but only for the purposes of the in surance provided under this Coverage Part to you or any insured listed in Paragraph 1. or 2. of Section Il Who Is An Insured 1 Notice to us of such occurrence or of 3 fense must be given as soon as practica ble only after the occurrence or offense is known to you if you are an individual any of your partners or members who is an individual if you are a partnership or joint venture any of your managers who is an individual if you are a limited liability company any of your trustees who is an individual if you are a trust any of your executive officers or directors if you are an organization other than a partnership joint venture limited liability company or trust or any employee authorized by you to give notice of an occurrence or offense. If you are a partnership joint venture lim ited liability company or trust and none of your partners joint venture members managers or trustees are individuals no tice to us of such occurrence or offense must be given as soon as practicable only after the occurrence or offense is known by a Any individual who is i A partner or member of any part nership or joint venture ii A manager of any limited liability company iii A trustee of any trust or iv An executive officer or director of any other organization that is your partner joint venture member manager or trustee or b Any employee authorized by such partnership joint venture limited Ili ability company trust or other organi zation to give notice of an occur rence or offense. Notice to us of such occurrence or of fense will be deemed to be given as soon as practicable if it is given in good faith as soon as practicable to your workers compensation insurer. This applies only if you subsequently give notice to us of the occurrence or offense as soon as prac ticable after any of the persons described in Paragraphs e.1 or 2 above discov CG D4580713 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY ers that the occurrence or offense may result in sums to which the insurance provided under this Coverage Part may apply. However if this policy includes an endorse ment that provides limited coverage for bod ily injury or property damage or pollution costs arising out of a discharge release or escape of pollutants which contains a re quirement that the discharge release or es cape of pollutants must be reported to us within a specific number of days after its abrupt commencement this Paragraph e. does not affect that requirement. P. UNINTENTIONAL OMISSION The following is added to Paragraph 6. Repre sentations of SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS The unintentional omission of or unintentional er ror in any information provided by you which we relied upon in issuing this policy will not prejudice Q. your rights under this insurance. However this provision does not affect our right to collect addi tional premium or to exercise our rights of cancel lation or nonrenewal in accordance with applica ble insurance laws or regulations. REASONABLE FORCE BODILY INJURY OR PROPERTY DAMAGE The following replaces Exclusion a. Expected Or Intended Injury in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY IN JURY AND PROPERTY DAMAGE LIABILITY a. Expected or Intended Injury or Damage Bodily injury or property damage expected or intended from the standpoint of the in sured. This exclusion does not apply to bod ily injury or property damage resulting from the use of reasonable force to protect any person or property. Page 7 of 7 CG D4580713 2013 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contrib uted concurrently or in any sequence to such injury or damage. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi or Bacteria a. Personal injury or advertising injury which would not have taken place in whole or in part but for the actual al leged or threatened inhalation of inges tion of contact with exposure to exis tence of or presence of any fungi or bacteria on or within a building or struc ture including its contents regardless of whether any other cause event material or product contributed concurrently or in any sequence to such injury. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treat ing detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Defini tions Section Fungi means any type or form of fungus in cluding mold or mildew and any mycotoxins spores scents or byproducts produced or re leased by fungi. CG D243 01 02 Copyright The Travelers Indemnity Company 2002 Includes copyrighted material of Insurance Services Office Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COVERAGE PROPERTY DAMAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PROVISIONS The definition of property damage in SECTION V DEFINITIONS is deleted in its entirety and replaced by the following Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physi cally injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. Property damage does not include loss of or dam age to electronic media and records. As used in this definition electronic media and records means a. Electronic data processing recording or storage media such as films tapes discs drums or cells b. Data stored on such media or Programming records for electronic data process ing or electronically controlled equipment. CG D256 11 03 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily in jury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion de motion evaluation reassignment disci pline defamation harassment humilia tion or discrimination directed at that person or The spouse child parent brother or sister of that person as a consequence of personal injury to that person at whom any of the em ployment related practices described in Para graphs a b or c above is directed. This exclusion applies 1 Whether the insured may be liable as an em ployer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. CG D288 1103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNSOLICITED COMMUNICATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY Unsolicited Communication Bodily injury or property damage arising out of any actual or alleged violation of any law that re stricts or prohibits the sending transmitting or dis tributing of unsolicited communication. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Unsolicited Communication Personal injury or advertising injury arising out of any actual or alleged violation of any law that restricts or prohibits the sending transmitting or distributing of unsolicited communication. The following is added to the DEFINITIONS Sec tion Unsolicited communication means any commu nication in any form that the recipient of such communication did not specifically request to re ceive. exclusion is added to Paragraph 2. of SECTION COVERAGES. A BODILY INJURY AND PROP GE LIABILITY Communication Page 1 of 1 CG D326 10 11 2011 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT REDEFINED EXCLUSION OF VEHICLES SUBJECT TO MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS The following replaces Paragraph 5 of Exclusion g. Aircraft Auto Or Watercraft in Paragraph 2. of SECTION COVERAGES COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY 5 Bodily injury or property damage arising out of a The operation of machinery or equipment 1. b that is attached to or part of a land vehi cle that would qualify as mobile equip ment under the definition of mobile equipment if such land vehicle were not subject to a compulsory or financial re sponsibility law or other motor vehicle in surance law where it is licensed or prin cipally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definition of mobile equip ment. 2. The following replaces the definition of auto in the DEFINITIONS Section 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads in cluding any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment. The following is added as to the definition of mo bile equipment in the DEFINITIONS Section However mobile equipment does not in clude any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Such land vehicles are considered autos. Paragraph 3. of SECTION Il WHO IS AN IN SURED s deleted. replaces Paragraph 5 of Exclusion Auto Or Watercraft in Paragraph 2. COVERAGES COVERAGE A. JURY AND PROPERTY DAMAGE njury or property damage arising operation of machinery or equipment is attached to or part of a land vehi hat would qualify as mobile equip Page 1 of 1 CG D356 05 14 2014 The Travelers Indemnity Company. Al rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF CONTRACTUAL LIABILITY EXCLUSION EXCEPTION FOR DAMAGES ASSUMED IN AN INSURED CONTRACT APPLIES ONLY TO NAMED INSURED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following replaces Paragraph 2 of Exclusion b. Contractual Liability in Paragraph 2. of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2 Assumed by you in a contract or agreement that is an insured contract provided that the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed by you in an insured contract rea sonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured will be deemed to be damages because of bodily injury or property dam age provided that a Liability to such party for or for the cost of that party s defense has also been as sumed by you in the same insured con tract and b Such attorney fees and litigation ex penses are for defense of that party 3. against a civil or alternative dispute reso lution proceeding in which damages to which this insurance applies are alleged. 2. The following replaces the beginning of Para graph 2. and Paragraphs 2.a. b. c. d. and e. of SUPPLEMENTARY PAYMENTS COVER AGES A AND B of SECTION COVERAGES 2. If we defend you against a suit and your in demnitee is also named as a party to the suit we will have the right and duty to de fend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which you have assumed the liability of the indemnitee in a contract or agreement that is an insured con tract b. This insurance applies to such liability as sumed by you c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by you in the same in sured contract d. The allegations in the suit and the in formation we know about the occur rence or offense are such that we de termine that no conflict exists between your interests and the interests of the in demnitee e. You and the indemnitee ask us to con duct and control the defense of that in demnitee against such suit and agree that we can assign the same counsel to defend you and the indemnitee and The following replaces the last sentence of Paragraph 2. of SUPPLEMENTARY PAY MENTS COVERAGES A AND B of SEC TION COVERAGES Our obligation to defend your indemnitee and to pay for attorneys fees and necessary litiga tion expenses as Supplementary Payments ends when a. We have used up the applicable limit of insurance in the payment of judgments settlements or medical expenses or b. The conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. CG D4 21 07 08 Page 1 of 1 2008 The Travelers Companies Inc. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION VIOLATION OF CONSUMER FINANCIAL PROTECTION LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY Violation Of Consumer Financial Protection Laws Bodily injury or property damage arising out of any actual or alleged violation of a consumer financial protection law or any other bodily in jury or property damage alleged in any claim or suit that also alleges any such violation. The following exclusion is added to Paragraph 2. Exclusions of SECTION COVERAGES COVERAGE B PERSONAL AND ADVER TISING INJURY LIABILITY Violation Of Consumer Financial Protection Laws Personal injury or advertising injury arising out of any actual or alleged violation of a con sumer financial protection law or any other personal injury or advertising injury alleged in any claim or suit that also alleges any such violation. The following is added to the DEFINITIONS Section Consumer financial identity information means any of the following information for a person that is used or collected for the purpose of serving as a factor in establishing such person s eligibil ity for personal credit insurance or employment or for the purpose of conducting a business transaction a. Part or all of the account number the expi ration date or the balance of any credit debit bank or other financial account. b. Information bearing on a person s credit worthiness credit standing or credit capac ity. c. Social security number. d. Drivers license number. e. Birth date. Consumer financial protection law means a. The Fair Credit Reporting Act FCRA and any of its amendments including the Fair and Accurate Credit Transactions Act FACTA b. California s Song Beverly Credit Card Act and any of its amendments or c. Any other law or regulation that restricts or prohibits the collection dissemination transmission distribution or use of con sumer financial identity information. Page 1 of 1 CG D618 10 11 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS This insurance does not apply to any injury damage loss cost payment or expense including but not limited to defense and investigation of any kind aris ing out of resulting from caused by or contributed to by the actual or alleged presence or actual al leged or threatened dispersal release ingestion in halation or absorption of lead lead compounds or lead which is or was contained or incorporated into any material or substance. This exclusion applies but is not limited to 1. Any supervision instructions recommendations warnings or advice given in connection with the above Any obligation to share damages losses costs payments or expenses with or repay someone else who must make payment because of such injury or damage loss cost payment or ex pense or Any request order or requirement to abate mitigate remediate contain remove or dispose of lead lead compounds or materials or sub stances containing lead. CG DO 76 06 93 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DISCRIMINATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PROVISIONS 1. COVERAGE A BODILY INJURY AND PROP ERTY DAMAGE LIABILITY is amended by ad ding the following additional exclusion This Insurance does not apply to Bodily injury resulting from or as a consequence of discrimination whether intentional or uninten tional based upon a person s sex sexual prefer ence marital status race creed religion na tional origin age physical capabilities character istics or condition or mental capabilities or con dition. 2. COVE ING It the fol This i Persc quenc uninte prefer nation teristic condit 2. COVERAGE B PERSONAL AND ADVERTIS ING INJURY LIABILITY is amended by adding the following additional exclusion This insurance does not apply to Personal injury resulting from or as a conse quence of discrimination whether intentional or unintentional based upon a person s sex sexual preference marital status race creed religion national origin age physical capabilities charac teristics or condition or mental capabilities or condition. CG D1420199 Copyright The Travelers Indemnity Company 1999 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION TOBACCO This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to bodily injury property damage personal injury or advertising injury arising out of or related in any way to the sale manufacture handling distribution marketing con sumption ingestion or use of or exposure to any tobacco or tobacco product. Without limiting their meaning the words tobacco or tobacco product include a raw or cured tobacco cigarettes and cigarette paper cigarette filters cigars and cigar wrappers pipe tobacco snuff chewing tobacco smokeless tobacco tobacco smoke or particles of tobacco b any material substance ingredient or element used in or as part of any to bacco or tobacco product c any product which is comprised of in whole or in part any tobacco or tobacco product d any wrappers tips filters or other parts of tobacco or tobacco products e any material substance ingredient or element or their residues sprayed on applied to or found within any tobacco or tobacco product f any smoke fumes gas or other compound arising out of any tobacco or tobacco product and g any warnings instructions or representations at any time or the failure to provide them with respect to any tobacco or tobacco product. This exclusion applies to all bodily injury or prop erty damage whether or not such bodily injury or property damage is included in the products completed operations hazard. CG D2 26 06 99 Copyright The Travelers Indemnity Company 1999 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION WAR This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion i. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to War Bodily injury or property damage aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force in cluding action in hindering or de fending against an actual or expected attack by any government sovereign or other authority using military per sonnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these regardless of any other cause or event that contributes concurrently or in any se quence to the injury or damage. 3 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to War Personal injury or advertising injury aris ing directly or indirectly out of 1 War including undeclared or civil war or 2 Warlike action by a military force includ ing action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by gov ernmental authority in hindering or de fending against any of these regardless of any other cause or event that contributes concurrently or in any sequence to the injury. 3 CG D2 420102 Copyright The Travelers Indemnity Company 2002 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION AIRCRAFT PRODUCTS AND GROUNDING This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PROVISIONS 1. The following exclusion is added to Paragraph 2. Exclusions of either SECTION COVER AGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY or SECTION COVERAGES PRODUCTS COMPLETED OPERATIONS BODILY INJURY AND PROP ERTY DAMAGE LIABILITY whichever section is included in the Coverage Part Aircraft Products And Grounding Bodily injury or property damage included within the products completed operations haz ard and arising out of any aircraft product or the grounding of any aircraft. The following is added to the DEFINITIONS Sec tion Aircraft product means a. Aircraft including missile or spacecraft and any ground support or control equipment used with any aircraft missile or spacecraft b. Any of your products manufactured for used in connection with or incorporated into aircraft aircraft parts aircraft equipment or aircraft accessories including ground han dling tools and equipment c. Any of your products used for the purpose of guidance navigation or direction of aircraft whether an aircraft is in flight or on the ground or d. Training aids navigation charts navigation aids manuals blueprints engineering or other data or advice services and labor relat ing to such aircraft or products. Grounding means the withdrawal of one or more aircraft from flight operations or the imposition of speed passenger or load restrictions on such air craft by reason of the actual alleged or sus pected existence of any defect fault or condition in such aircraft or any part thereof a. Sold handled or distributed by the insured or b. Manufactured assembled or processed by any other person or organization 1 According to specifications plans sug gestions orders or drawings of the in sured or 2 With tools machinery or other equipment furnished to such persons or organiza tions by the insured whether such aircraft so withdrawn or restricted are owned or operated by the same or different persons or organizations. Page 1 of 1 CGT3230811 2011 The Travelers Indemnity Company. All rights reserved. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ASBESTOS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY This insurance does not apply to bodily injury a. Any supervision instructions recommendati property damage personal injury or advertising warnings or advice given or which should h injury arising out of the actual or alleged presence been given in connection with the above and or actual alleged or threatened dispersal of asbes b. Any obligation to share damages with or re tos asbestos fibers or products containing asbestos provided that the injury or damage is caused or con tributed to by the hazardous properties of asbestos. This includes someone else who must pay damages beca of such injury or damage. a. Any supervision instructions recommendations warnings or advice given or which should have been given in connection with the above and b. Any obligation to share damages with or repay someone else who must pay damages because of such injury or damage. Copyright The Travelers Indemnity Company. CG T4 78 02 90 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES COMMERCIAL GENERAL LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Paragraph 1.a. of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following 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 insur ance applies. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are groundless false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insur ance does not apply. We may at our dis cretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 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 Cov erages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments Coverages A and 2 B. Paragraph 1.a. of Section Coverage B Per sonal And Advertising Injury Liability is re placed by the following 1. Insuring Agreement a. CG F26308 11 We will pay those sums that the insured becomes legally obligated to pay as damages because of personal injury or advertising injury to which this insur ance applies. We will have the right and duty to defend the insured against any suit seeking those damages even if the allegations of the suit are groundless false or fraudulent. However we will have no duty to defend the insured against any suit seeking damages for personal in jury or advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Cov erages A and B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments Coverages A and B. C. The following is added as Paragraph e. to the Duties In The Event Of Occurrence Offense Claim Or Suit Condition Paragraph 2. of Sec tion IV Commercial General Liability Condi tions e. Notice given by or on behalf of the in sured or written notice by or on behalf of the injured person or any other claimant to any agent of ours in New York State with particulars sufficient to identify the insured shall be considered to be notice to us. D. Paragraph 3. of Section IV Commercial Gen eral Liability Conditions is replaced by the follow ing 2011 The Travelers Indemnity Company. All rights reserved. Page 1 of 2 Includes the copyrighted material of Insurance Services Office Inc. with its permission. Page 1 of 2 | 2 |
COMMERCIAL GENERAL LIABILITY 3. Legal Action Against Us a. Except as provided in Paragraph b. no person or organization has a right under this Coverage Part 1 To join us as a party or otherwise bring us into a suit asking for dam ages from an insured or 2 To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured 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 applica ble limit of insurance. An agreed settle ment means a settlement and release of liability signed by us the insured and the claimant s legal representative. With respect to bodily injury personal injury and advertising injury claims if we deny coverage or do not admit liability because an insured or the injured person someone acting for the injured person or other claimant fails to give us written no tice as soon as practicable then the in jured person someone acting for the in jured person or other claimant may bring an action against us provided the sole question is whether the denial of cover age or nonadmission of liability is based on the failure to provide timely notice. However the injured person someone acting for the injured person or other claimant may not bring an action if within 60 days after we deny coverage or do not admit liability we or an insured 1 Brings an action to declare the rights of the parties under the policy and 2 Names the injured person someone acting for the injured person or other claimant as a party to the action. E. The following provision is added and supersedes any provision to the contrary Failure to give notice to us as required under this Coverage Part shall not invalidate any claim made by the insured injured person or any other claimant unless the failure to provide such timely notice has prejudiced us. However no claim made by the insured injured person or any other claimant will be invalidated if it shall be shown not to have been reasonably possible to give such timely notice and that notice was given as soon as was reasonably possible thereafter. The definition of loading or unloading in the Definitions Section does not apply. CG F26308 11 Page 2 of 2 2011 The Travelers Indemnity Company. Al rights reserved. Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following Condition is added to COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV Transfer of Duties When a Limit of Insurance is Used Up. a. If we conclude that based on occurrences of fenses claims or suits which have been reported to us and to which this insurance may apply the 1 General Aggregate Limit other than the Products Completed Operations Aggregate Limit 2 Products Completed Operations Aggregate Limit 3 Personal and Advertising Injury Limit 4 Each Occurrence Limit or 5 Fire Damage Limit is likely to be used up in the payment of judg ments or settlements we will notify the first Named Insured in writing to that effect. b. When a limit of insurance described in para graph a. above has actually been used up in the payment of judgments or settlements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking damages subject to that limit has also ended. We will initiate and cooperate in the transfer of control to any appropriate insured of all claims and suits seeking damages which are subject to that limit and which are reported to us before that limit is used up. That insured must cooperate in the transfer of control of said claims and suits. 2 We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. We will take no action whatsoever with respect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is reported to us after that limit of insurance has been used up. The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the defense of such suit within such time period as agreed to between the appropriate in sured and us. Absent any such agreement arrangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for expenses we incur in taking those steps we deem appropriate in accordance with paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with paragraph a. above or 3 2 The date on which we sent notice in accord ance with paragraph b.1 above if we did not send notice in accordance with para graph a. above. The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be affected by our failure to comply with any of the provisions of this Condition. CG 26211091 Copyright Insurance Services Office Inc. 1991 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION LEAD NEW YORK This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS LIABILITY COVERAGE PART PRODUCTS COMPELETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART CATASTROPHE UMBRELLA POLICY PROVISIONS This insurance does not apply to any injury damage loss cost payment or expense including but not limited to defense and investigation of any kind aris ing out of resulting from caused by or contributed to by the actual or alleged presence or actual al leged or threatened dispersal release ingestion in halation or absorption of lead lead compounds or lead which is or was contained or incorporated into any material or substance. This exclusion applies but is not limited to 1. Any supervision instructions recommendations warnings or advice given in connection with the above 2. Any obligation to share damages losses costs payments or expenses with or repay someone else who must make payment because of such injury or damage loss cost payment or ex pense or 3. Any request order or requirement to abate mitigate remediate contain remove or dispose of lead lead compounds or materials or sub stances containing lead. This exclusion does not apply to any building which is a. Constructed after 1980 or b. Which has been certified as lead free or as having been remediated in accordance with pub lished EPA guidelines. CG F0 94 09 95 Copyright The Travelers Indemnity Company 1995. Page 1 of 1 | 2 |
EMPLOYEE BENEFITS LIABILITY | 2 |
EMPLOYEE BENEFITS LIABILITY | 2 |
A TRAVELERS J One Tower Square Hartford Connecticut 06183 EMPLOYEE BENEFITS LIABILITY POLICY NO. Y660 1060L503 TCT14 COVERAGE PART DECLARATIONS ISSUE DATE 08 12 14 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY OF CONNECTICUT DECLARATIONS PERIOD From 08 08 14 to 08 08 15 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Employee Benefits Liability Coverage Part consists of these Declarations and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE Employee Benefits Liability Coverage Form Limits of Insurance Aggregate Limit 2000000 Each Employee Limit 1000000 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS CORPORATION 4. RETROACTIVE DATE This insurance does not apply to negligent acts errors or omissions which occurred before the Retroactive Date if any shown below. Retroactive Date 08 08 2005 5. EMPLOYEE BENEFIT PROGRAMS OTHER THAN THOSE LISTED IN SECTION VII DEFINITIONS Limits of Insurance 2000000 1000000 DEDUCTIBLE NONE EACH EMPLOYEE PREMIUM COMPUTATION Rate Estimated No. Per Estimated Minimum of Employees Employee Premium Premium 117.285 300 300 NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. CG T0 09 09 93 PRODUCER LOCKTON COMPANIES LLC Page 1 of 1 OFFICE KANSAS CITY XG345 | 2 |
TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE SECTION I COVERAGES Beginning on Page 1 Employee Benefits Insuring Agreement Liability Coverage Exclusions 1 Supplementary Payments 2 SECTION II WHO IS AN INSURED 2 SECTION IlI LIMITS OF INSURANCE 2 SECTION IV DEDUCTIBLE. SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS 3 Bankruptcy 3 Cancellation Non renewal Renewal and Reduction or Deletion of Coverage............ 4 Duties in The Event of Act Error or Omission 3 Legal Action AQAINSE US... Other Insurance 4 Premium Audit 4 Representations 4 Separation of Insureds 4 Transfer of Rights of Recovery Against Others To Us 4 SECTION VI EXTENDED REPORTING PERIODS 4 SECTION VII DEFINITIONS 5 CGT043 1188 TABLE OF CONTENTS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE SECTION I COVERAGES Beginning on Page Employee Benefits Insuring Agreement 1 Liability Coverage Exclusions 1 Supplementary Payments 2 EMPLOYEE BENEFITS LIABILITY COVERAGE FORM CG T1 01 CLAIMS MADE Employee Benefits Liability Coverage Liatility Coverage S Exclusions Supplementary Payments SECTION II WHO IS AN INSURED SECTION IlI LIMITS OF INSURANCE SECTION IV DEDUCTIBLE SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Bankruptcy Cancellation Non renewal Renewal and Reduction or Deletion of Coverage............ Duties in The Event of Act Error or Omission Legal Action Against Us. Other Insurance Premium Audit Representations Separation of Insureds Transfer of Rights of Recovery Against Others To Us SECTION VI EXTENDED REPORTING PERIODS SECTION VII DEFINITIONS | 2 |
COMMERCIAL GENERAL LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations. 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 IN SURED. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION VIl DEFINI TIONS. SECTION EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured be comes legally obligated to pay as damages because of any negligent act error or omis sion of the insured or of any other person for whose acts the insured is legally liable. The negligent act error or omission must be committed in the administration of your employee benefit program. No other obliga tion or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS. This insurance does not apply to any negli gent act error or omission which occurred before the Retroactive Date if any shown in the Declarations or which occurs after the policy expires. The negligent act error or omission must take place in the coverage territory. We will have the right and duty to defend any suit seeking those damages. But 1 The amount we will pay for damages is limited as described in SECTION Il LIMITS OF INSURANCE 2 We may at our discretion investigate any report of a negligent act error or omission and settle any claim or suit that may re sult and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements. 3 b. This insurance applies to any negligent act error or omission of the insured but only if a claim for damages because of the negligent act error or omission is first made against any insured during the policy period. 1 A claim by a person or organization seeking damages will be deemed to have been made when notice of such claim is received and recorded by any insured or by us whichever comes first. All claims for damages sustained by any one employee including the employee s dependents and beneficiaries will be deemed to have been made at the time the first of those claims is made against any insured. Exclusions This insurance does not apply to Loss arising out of any dishonest fraudulent criminal or malicious act or omission com mitted by any insured Bodily injury or property damage or per sonal injury Loss arising out of failure of performance of contract by any insured Loss arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program Any claim or suit based upon 1 failure of any investment to perform as represented by any insured or CGT1010786 Page 1 0f 6 | 2 |
COMMERCIAL GENERAL LIABILITY 2 advice given to any person to participate or not to participate in any plan included in the employee benefit program Loss arising out of your failure to comply with the mandatory provisions of any law con cerning workers compensation unemploy ment insurance social security or disability benefits Loss for which the insured is liable because of liability imposed on a fiduciary by the Em ployee Retirement Security Act of 1974 as now or hereafter amended or Loss or damage for which benefits have ac crued under the terms of an employee benefit plan to the extent that such benefits are available from funds accrued by the insured for such benefits or from collectible insurance notwithstanding the insured s act error or omission in administering the plan which pre cluded the claimant from receiving such benefits. 3. Supplementary Payments We will pay with respect to any claim or suit we defend a. b. All expenses we incur. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. All reasonable expenses incurred by the in sured at our request to assist us in the inves tigation or defense of the claim or suit in cluding actual loss of earnings up to 100 a day because of time off from work. All costs taxed against the insured in the suit. Pre judgment interest awarded against the insured on that part of the judgment we pay. If we made an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. 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 de posited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of in surance. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as 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. A partnership or joint venture you are an in sured. An organization other than a partnership or joint venture you are an insured. Your direc tors and stockholders are also insureds but only with respect to their liability as your di rectors or stockholders. 2. Each of the following is also an insured Each of your partners executive officers and employees who is authorized to administer your employee benefit program. 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 Coverage Part. 3. Any organization you newly acquire or form other than a partnership or joint venture and over which you maintain ownership or majority interest will be deemed to be a Named Insured if there is no other similar insurance available to that or ganization. However Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy pe riod whichever is earlier Coverage under this provision does not apply to any negligent act error or omission that occurred before you acquired or formed the organization. No person or organization is an insured with re spect to the conduct of any current or past part nership or joint venture that is not shown as a Named Insured in the Declarations. SECTION Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay re gardless of the number of a. b. c. Insureds Claims made or suits brought Persons or organizations making claims or bringing suits. Acts errors or omissions which result in loss or Page 2 of 6 CGT1010786 | 2 |
COMMERCIAL GENERAL LIABILITY e. Plans included in your employee benefit pro gram 2. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions committed in the administration of your em ployee benefit program. 3. Subject to the Aggregate Limit the Each Em ployee Limit is the most we will pay for all dam ages sustained by any one employee including the employee s dependents and beneficiaries because of acts errors or omissions committed in the administration of your employee benefit program. The limits of this Coverage Part 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. SECTION IV DEDUCTIBLE 1. 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 Item 6 of the Declarations as applicable to Each Em ployee. The limits of insurance applicable to Each Employee will be reduced by the amount of this deductible. The Aggregate limit shall not be reduced by the application of such deductible amount. 2. The deductible amount stated in the Declarations applies to all damages sustained by an employee because of an act error or omission covered by this insurance. 3. The terms of this insurance including those with respect to a. Our right and duty to defend any suits seeking those damages and b. Your duties in the event of an act error or omission claim or suit apply irrespective of the application of the deductible amount. 4. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as has been paid by us. SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Bankruptcy. Bankruptcey or insolvency of the insured or of the insured s estate will not relieve us of our obliga tions under this Coverage Part. Duties In the Event Of Act Error or Omission Claim or Suit. 1. 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. Notice should include 1 What the act error or omission was and when it occurred. 2 The names and addresses of any em ployees who may suffer damages as a result of the act error or omission. Notice of an act error or omission is not no tice of a claim. If a claim is received by any insured you must 1 Immediately record the specifics of the claim and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written no tice of the claim as soon as practicable. You and any other involved insured must 1 Immediately send us copies of any de mands notices summonses or legal pa pers received in connection with the claim or a suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation settlement or defense of the claim or suit and 4 Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of damage to which this insurance may also apply. No insureds will except at their own cost voluntarily make a payment assume any ob ligation or incur any expense without our consent. 3. Legal Action Against Us. No person or organization has a right under this Coverage Part CGT1010786 Page 3 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY a. To join us as a party or otherwise bring us into a suit asking for damages from an in sured 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 obtained after an actual trial but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insur ance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal repre sentative. Other Insurance. If other valid and collectible insurance is available to the insured for a loss we cover under this Cov erage Part our obligations are limited as follows a. Primary Insurance. This insurance is primary except when para graph 4. of Section VI Extended Reporting Periods applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in b. below. b. Method of Sharing. If all of the other insurance permits contribu tion by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit con tribution 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 insur ance to the total applicable limits of insurance of all insurers. Premium Audit. a. We will compute all premiums for this Cover age Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will com pute the earned premium for that period. Audit premiums are due and payable on no tice to the first Named Insured. If the sum of the advance and audit premiums paid for the policy term is greater than the earned pre mium 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 com putation and send us copies at such times as we may request. 6. Representations. By accepting this policy you agree a. The statements in the Declarations are accu rate and complete b. Those statements are based upon represen tations 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 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 who claim is made or suit is brought. 8. Transfer of Rights of Recovery Against Others To Us. If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The in sured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. Cancellation Non renewal Renewal and Reduction or Deletion of Coverage The following conditions also apply to this Cover age Part All conditions relating to cancellation non renewal renewal and reduction or deletion of coverage which would apply to a Commercial General Liability Coverage Part attached to this policy. SECTION VI EXTENDED REPORTING PERIODS 1. We will provide an automatic Extended Reporting Period as described in paragraph 3. or if you Page 4 of 6 CGT1010786 | 2 |
COMMERCIAL GENERAL LIABILITY purchase it an Extended Reporting Period En dorsement as described in paragraph 4 only if a. This Coverage Part is cancelled or not re newed for any reason or b. We renew or replace this Coverage Part with other insurance that has a Retroactive Date later than the one shown in this Coverage Part s Declarations. If we provide an Extended Reporting Period the following is added to paragraph 1.b. of INSURING AGREEMENT SECTION I 3 A claim first made during the Extended Re porting Period will be deemed to have been made on the last day of the policy period pro vided that the claim is for damages because of an act error or omission that occurred be fore the end of the policy period of this policy but not before any applicable Retroactive Date. The Extended Reporting Period will not reinstate or increase the Limits of Insurance or extend the policy period. The automatic Extended Reporting Period will be for 60 days starting with the end of the policy pe riod of this policy. This automatic Extended Reporting Period ap plies only if no subsequent insurance you pur chase applies to the claim or would apply but for the exhaustion of its applicable limit of insurance. This automatic Extended Reporting Period may not be cancelled. If you purchase the optional Extended Reporting Period Endorsement the Extended Reporting Pe riod will be for one year starting with the end of the policy period of this policy. We will issue that Endorsement if the first Named Insured shown in the Declarations a. Makes a written request for it which we re ceive within 60 days after the end of the pol icy period and b. Promptly pays the additional premium when due. The Extended Reporting Period Endorsement will not take effect unless the additional premium is paid when due. If that premium is paid when due the endorsement may not be canceled. The Extended Reporting Period Endorsement will also amend paragraph 4.a. of SECTION V EM PLOYEE BENEFITS LIABILITY CONDITIONS Other Insurance so that the insurance provided will be excess over any other valid and collectible insurance available to the insured whether pri mary excess contingent or on any other basis whose policy period begins or continues after the Endorsement takes effect. 5. We will determine the actual premium for the Extended Reporting Period Endorsement in ac cordance with our rules and rates. In doing so we may take into account the following a. The exposures insured b. Previous types and amounts of insurance c. Limits of Insurance available under this Cov erage Part for future payment of damages and d. Other related factors. The premium for the Extended Reporting Period Endorsement will not exceed 200 of the annual premium for the Coverage Part to which the en dorsement would be attached and will be fully earned when the Endorsement takes effect. SECTION VIl DEFINITIONS 1. Administration means a. Counseling employees including their de pendents and beneficiaries with respect to the employee benefit program b. Handling records in connection with the em ployee benefit program or c. Effecting or terminating any employee s par ticipation in a plan included in the employee benefit program. 2. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time. 3. Coverage territory means the United States of America including its territories and posses sions Puerto Rico and Canada. 4. Employee means your officers partners and employees whether actively employed disabled or retired. 5. Employee benefit program means the following plans a. Group life insurance group accident or health insurance profit sharing plans pension plans and stock subscription plans provided that no one other than an employee may sub scribe to such insurance or plans CGT1010786 Page 5 of 6 | 2 |
COMMERCIAL GENERAL LIABILITY b. Unemployment insurance social security benefits workers compensation and disability benefits c. Any other similar plan designated in the Dec laration or added thereto by endorsement. Personal injury means injury other than bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. Wrongful entry into or eviction of a person from a room dwelling or premises that the person occupies d. Oral or written publication of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services or e. Oral or written publication of material that violates a person s right of privacy. 7. Profit sharing plans mean only such plans that are equally available to all full time employees. 8. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property or b. Loss of use of tangible property that is not physically injured. 9. Stock subscription plans mean only such plans that are equally available to all full time employ ees. 10. 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 an arbitration proceeding alleging such damages to which you must submit or submit with our consent. Page 6 of 6 CGT1010786 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT EBL This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This coverage part is amended as follows 2. Under Section II WHO IS AN INSURED 1. Under Section EMPLOYEE BENEFITS LIA 1.b. is replaced by the following BILITY COVERAGE Exclusion 2.c. is amended to b. A partnership or joint venture you are read as follows insured. Your members your partners c. Loss arising out of failure of performance of their spouses are also insureds but only contract by any insurer respect to their duties as partners or m bers of a joint venture. 2. Under Section II WHO IS AN INSURED Item 1.b. is replaced by the following b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to their duties as partners or mem bers of a joint venture. CG T5 30 06 89 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION IRC VIOLATIONS This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS b. Any expense loss or damages i arising out of This insurance does not apply to the rnposnon of such taxes fines merest penalties or other charges or ii resulting from any provision of the Internal Revenue Code of 1986 as amended. a. Any taxes fines interest penalties or other cost imposed under or resulting from any provision of the Internal Revenue Code of 1986 as amended or any similar state or local law or CG DO 38 03 95 Copyright The Travelers Indemnity Company 1995 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL EXCLUSION EMPLOYEE BENEFITS LIABILITY This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART PROVISIONS This insurance does not apply to loss arising out of 1. The wrongful termination of an employee 2. The coercion demotion reassignment discipline or harassment of an employee 3. Discrimination against an employee. CGT4851188 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES TRANSFER OF DUTIES WHEN A LIMIT OF INSURANCE IS USED UP This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE PART The following is added to SECTION V EMPLOYEE BENEFITS LIABILITY CONDITIONS Transfer Of Duties When A Limit Of Insurance Is Used Up. a. If we conclude that based on acts errors omis sions claims or suits which have been reported to us and to which this insurance may apply the 1 Aggregate Limit or 2 Each Employee Limit is likely to be used up in the payment of judg ments or settlements we will notify the first Named Insured in writing to that effect. When a limit of insurance described in Paragraph a. above has actually been used up in the pay ment of judgments or settlements 1 We will notify the first Named Insured in writ ing as soon as practicable that a Such a limit has actually been used up and b Our duty to defend suits seeking dam ages subject to that limit has also ended. 2 We will initiate and cooperate in the transfer of control to any appropriate insured of all claims and suits seeking damages which are subject to that limit and which are re ported to us before that limit is used up. That insured must cooperate in the transfer of con trol of said claims and suits. We agree to take such steps as we deem appropriate to avoid a default in or continue the defense of such suits until such transfer is completed provided the appropriate in sured is cooperating in completing such transfer. We will take no action whatsoever with re spect to any claim or suit seeking damages that would have been subject to that limit had it not been used up if the claim or suit is re ported to us after that limit of insurance has been used up. The first Named Insured and any other in sured involved in a suit seeking damages subject to that limit must arrange for the de fense of such suit within such time period as agreed to between the appropriate insured and us. Absent any such agreement ar rangements for the defense of such suit must be made as soon as practicable. The first Named Insured will reimburse us for ex penses we incur in taking those steps we deem appropriate in accordance with Paragraph b.2 above. The duty of the first Named Insured to reimburse us will begin on 1 The date on which the applicable limit of in surance is used up if we sent notice in ac cordance with Paragraph a. above or 2 The date on which we sent notice in accor dance with Paragraph b.1 above if we did not send notice in accordance with Paragraph a. above. The exhaustion of any limit of insurance by the payments of judgments or settlements and the resulting end of our duty to defend will not be af fected by our failure to comply with any of the provisions of this Condition. 3 TION V EMPLOYEE ITIONS Limit Of Insurance Is d on acts errors omis lich have been reported urance may apply the n the payment of judg ve will notify the first. to that effect. described in Paragraph en teed un in the nav Page 1 of 1 CGF7180812 2012 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
MULTIPLE SUBLINE ENDORSEMENTS | 2 |
MULTIPLE SUBLINE ENDORSEMENTS | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITATION WHEN TWO OR MORE POLICIES APPLY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART Provisions 1. Injury damage or loss might be covered by this policy and also by other policies issued to you by us or any Travelers affiliate. When these other policies contain a provision similar to this one the amount we will pay is limited. The maximum that we will pay under all such policies combined is the highest limit that applies in any one of these policies. 2. This does not apply to any personal liability policy or to any Umbrella Excess or Protective Liability Policy. CGT3331103 Copyright The Travelers Indemnity Company 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEW YORK CHANGES PREMIUM AUDIT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph b. of the Premium Audit Condition 180 days after the expiration date of the pol Section IV is replaced by the following icy. But the audit may be waived if the total PREMIUM AUDIT annual premium attributable to the auditable. P exposure base is not reasonably expected to b. Premium shownm this Coyerage. Part as ad exceed 1500. If the sum of the advance and vance premium is a deposn premium pnly. At audit premiums paid for the policy term is the close of each at period we W com greater than the earned premium we will re pute the earned premium for that period and turn the excess to the first Named Insured. send notice to the first Named Insured. The due date for audit and retrospective premi ums is the date shown as the due date on the bill. An audit to determine the final premium due or to be refunded will be completed within B. Except as provided in Paragraph A. above the Examination Of Your Books And Records Common Policy Condition continues to apply. CG 01041204 IS0 Properties Inc. 2003 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART A. Cancellation Common Policy Conditions is re placed by the following CANCELLATION 1. The first Named Insured shown in the Decla rations may cancel this policy by mailing to us advance written notice of cancellation. 2. We may cancel this policy by mailing to you written notice stating the reason for cancella tion. If we cancel a. For nonpayment of premium we will mail the notice at least 10 days prior to the ef fective date of cancellation. b. For a reason other than nonpayment of premium we will mail the notice at least 1 30 days prior to the effective date of cancellation if the policy has been in effect for 60 days or less. 2 60 days prior to the effective date of cancellation if the policy has been in effect for more than 60 days. 3. If this policy has been in effect for more than 60 days we may cancel only for one or more of the following reasons a. Nonpayment of premium b. The policy was obtained through a mate rial misrepresentation c. Any insured has violated any of the terms and conditions of the policy d. The risk originally accepted has meas urably increased e. Certification to the Director of Insurance of the loss of reinsurance by the insurer that provided coverage to us for all or a substantial part of the underlying risk in sured or f. A determination by the Director of Insur ance that the continuation of the policy could place us in violation of the insur ance laws of this State. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund will be less than pro rata. The cancellation will be effective even if we have not offered a refund. B. The following is added and supersedes any pro vision to the contrary NONRENEWAL If we decide not to renew or continue this policy we will mail you and your agent or broker written notice stating the reason for nonrenewal at least 60 days before the end of the policy period. If we offer to renew or continue and you do not accept this policy will terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. If we fail to mail proper written notice of nonre newal and you obtain other insurance this policy will end on the effective date of that insurance. C. Mailing Of Notices We will mail cancellation and nonrenewal notices to you and the agent or broker at the last ad dresses known to us. Proof of mailing will be suf ficient proof of notice. CG 02001207 ISO Properties Inc. 2006 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALIFORNIA 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 UNDERGROUND STORAGE TANK POLICY The term spouse is replaced by the following Spouse or registered domestic partner under California law. CG 32340105 ISO Properties Inc. 2004 Page 1 of 1 | 2 |
INTERLINE ENDORSEMENTS | 2 |
INTERLINE ENDORSEMENTS | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement applies to the insurance provided under the following COMMERCIAL EXCESS LIABILITY UMBRELLA INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE PART CYBERFIRST LIABILITY COVERAGE ELECTRONIC MANUFACTURERS AND COMPUTER SERVICES ERRORS AND OMISSIONS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART ENVIRONMENTAL HAZARD POLICY EXCESS FOLLOWING FORM LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PROVISIONS On December 26 2007 the President of the United States signed into law amendments to the Terrorism Risk Insurance Act of 2002 the Act which among other things extend the Act and expand its scope. The Act es tablishes a program under which the Federal Government may partially reimburse Insured Losses as defined in the Act caused by acts of terrorism. An act of terrorism is defined in Section 1021 of the Act to mean any act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism to be a violent act or an act that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States Mission and to have been commit ted by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. The Federal Government s share of compensation for Insured Losses is 85 of the amount of Insured Losses in excess of each Insurer s statutorily established deductible subject to the Program Trigger as defined in the Act. In no event however will the federal government or any Insurer be required to pay any portion of the amount of aggregate Insured Losses occurring in any one year that exceeds 100000000000 provided that such Insurer has met its deductible. If aggregate Insured Losses exceed 100000000000 in any one year your coverage may therefore be reduced. The charge for Insured Losses for each Coverage Part is included in the Coverage Part premium. The charge that has been included for each Coverage Part is indicated below and does not include any charge for the portion of losses covered by the Federal Government under the Act. 1 of each applicable Commercial Liability Coverage premium. ILT3 68 05 10 Page 1 of 1 2010 The Travelers Indemnity Company | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY NEW YORK DEPARTMENT OF TRANSPORTATION ENVIRONMENTAL HAZARD POLICY EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIMITED ABOVE GROUND POLLUTION LIABILITY COVERAGE PART SELF INSURED EXCESS COMMERCIAL GENERAL LIABILITY COVERAGE FORM SELF INSURED EXCESS LIQUOR LIABILITY COVERAGE FORM SELF INSURED EXCESS EMPLOYEE BENEFITS LIABILITY COVERAGE FORM SELF INSURED EXCESS PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM EXCESS FOLLOWING FORM LIABILITY INSURANCE MEDFIRST PRODUCTS COMPLETED OPERATIONS ERRORS AND OMISSIONS AND INFORMATION SECURITY LIABILITY COVERAGE FORM If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insur ance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insur ance 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 ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursu ant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The actis a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. ILT37610 10 Page 1 of 1 2010 The Travelers Indemnity Company. All rights reserved. Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following 1. COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY The insurance does not apply A. Under any Liability Coverage to bodily in jury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Un derwriters Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such pol icy but for its termination upon exhaustion of its limit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the insured is or had this policy not been issued would be entitled to indem nity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. 2 B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization.. Under any Liability Coverage to bodily in jury or property damage resulting from hazardous properties of nuclear mater if 1 The nuclear material a is at any clear facility owned by or operated b on behalf of an insured or b has b discharged or dispersed therefrom The nuclear material is containec spent fuel or waste at any time sessed handled used proces stored transported or disposed of b on behalf of an insured or The bodily injury or property damz arises out of the furnishing by an sured of services materials parts equipment in connection with the p ning construction maintenance op tion or use of any nuclear facility b such facility is located within the Un States of America its territories or sessions or Canada this exclusion applies only to property damage to s nuclear facility and any property ther As used in this endorsement Hazardous properties includes radioactive t or explosive properties. Nuclear material means source material cial nuclear material or by product material. Source material special nuclear material by product material have the meanings g them in the Atomic Energy Act of 1954 or in law amendatory thereof. Spent fuel means any fuel element or fuel ponent solid or liquid which has been use exposed to radiation in a nuclear reactor. 3 to bodily in nsured under d under a nu issued by Nu ance Associa Liability Un e Association uccessors or any such pol on exhaustion us properties jith respect to rganization is ial protection nergy Act of ory thereof or this policy not tled to indem of America or ny agreement ed States of reof with any coverage to to bodily in us properties ng out of the Oy any person to bodily in esulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nu clear facility owned by or operated by or on behalf of an insured or b has been discharged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an in sured of services materials parts or equipment in connection with the plan ning construction maintenance opera tion or use of any nuclear facility but if such facility is located within the United States of America its territories or pos sessions or Canada this exclusion 3 applies only to property damage to such nuclear facility and any property thereat. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. 2 3 ISO Properties Inc. 2007 Page 1 of 2 IL 00 21 09 08 | 2 |
the total amount of such material in the custody of the insured at the premises where such equipment or device is lo cated consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation prem ises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore proc essed primarily for its source material content and b resulting from the operation by any per son or organization of any nuclear facility in cluded under the first two paragraphs of the defi nition of nuclear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time c Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEVADA CHANGES DOMESTIC PARTNERSHIP This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. All references to spouse shall include an individ dent of the individual s ual who is in a domestic partnership recognized ward or foster child under Nevada law. Coverage Broadene B. Under the Commercial Auto Coverage Part the Individual Endorsemer term family member is replaced by the following C. With respect to coverage f Family member means a person related to the tenance or use of cover der the Commercial Liabi 1. Individual Named Insured by blood adoption Part the term family merr marriage or domestic partnership recognized N H following under Nevada law who is a resident of such N. N Named Insured s household including a ward Family member means or foster child or by blood adoption marriag ship recognized under Ney 2. Individual named in the Schedule by blood denpt of ycur household in adoption marriage or domestic partnership child. recognized under Nevada law who is a resi dent of the individual s household including a ward or foster child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or domestic partner ship recognized under Nevada law who is a resi dent of your household including a ward or foster child. IL 011501 10 Insurance Services Office Inc. 2009 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES CIVIL UNION This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The term spouse is replaced by the following Spouse or party to a civil union recognized under lllinois law.. Under the Commercial Auto Coverage Part the term family member is replaced by the following Family member means a person related to the 1. Individual Named Insured by blood adoption marriage or civil union recognized under llli nois law who is a resident of such Named In sured s household including a ward or foster child or 2. Individual named in the Schedule by blood adoption marriage or civil union recognized under lllinois law who is a resident of the in dividual s household including a ward or fos ter child if the Drive Other Car Coverage Broadened Coverage For Named Individual Endorsement is attached. C. With respect to coverage for the ownership main tenance or use of covered autos provided un der the Commercial Liability Umbrella Coverage Part the term family member is replaced by the following Family member means a person related to you by blood adoption marriage or civil union recog nized under lllinois law who is a resident of your household including a ward or foster child. M IL 01 47 09 11 Insurance Services Office Inc. 2011 Page 1 of 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ILLINOIS CHANGES DEFENSE COSTS This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART LEGAL LIABILITY COVERAGE FORM COMMERCIAL PROPERTY COVERAGE PART MORTGAGEHOLDERS ERRORS AND OMISSIONS COVERAGE FORM EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK COVERAGE PART A. The provisions of Paragraph B. are added to all Insuring Agreements that set forth a duty to de fend under 1. Section I of the Commercial General Liability Commercial Liability Umbrella Employment Related Practices Liability Farm Liquor Li ability Owners And Contractors Protective Liability Pollution Liability Prod ucts Completed Operations Liability Product Withdrawal Medical Professional Liability Railroad Protective Liability Underground Storage Tank Coverage Parts and the Farm Umbrella Liability Policy 2. Section Il Liability Coverage in Paragraph A. Coverage under the Business Auto Ga rage Motor Carrier and Truckers Coverage Forms 3. Section A. Coverage under the Legal Liability Coverage Form and 4. Coverage C Mortgageholder s Liability un der the Mortgageholders Errors And Omis sions Coverage Form. If we initially defend an insured insured or pay for an insured s insured s defense but later de termine that the claims is are not covered un der this insurance we will have the right to reim bursement for the defense costs we have in curred. The right to reimbursement for the defense costs under this provision will only apply to defense costs we have incurred after we notify you in writ ing that there may not be coverage and that we are reserving our rights to terminate the defense and seek reimbursement for defense costs. IL 01 62 09 08 ISO Properties Inc. 2007 Page 1 of 1 | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
POLICYHOLDER NOTICES | 2 |
IMPORTANT NOTICE INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers please visit www.travelers.com call our toll free telephone number 1 866 904 8348 or request a written copy from Marketing at One Tower Square 2GSA Hartford CT 06183. PN T4 54 01 08 Page 1 of 1 | 2 |
IMPORTANT NOTICE COMPLAINTS ILLINOIS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. If you are having problems you may contact your insurance agent directly or you may contact the company at Mail Consumer Affairs One Tower Square Hartford CT 06183 Phone 860 277 1561 or Email consumeraffairstravelers.com The address of the consumer complaint division of the lllinois Department of Insurance is Illinois Department of Insurance Consumer Division 320 W Washington St Springfield IL 62767 Complaints may also be filed electronically to the lllinois Department of Insurance at httpsinsurance.illinois.govapplicationsComplaintFormsdefault.aspx Page 1 of 1 PN T5 68 07 12 2012 The Travelers Indemnity Company. All rights reserved. | 2 |
IMPORTANT NOTICE RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT ILLINOIS NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF YOUR POLICY PREVAIL. The lllinois Religious Freedom Protection and Civil Union Act provides that persons of the same or opposite sex who enter into a civil union must be afforded the same obligations protections and legal rights as married persons. This law became effective June 1 2011 and is designed to ensure that civil unions and marriage are treated identically under lllinois law. In accordance with law this policy will be interpreted to provide the same benefits and protections to persons in a civil union or in a marriage. Page 1 of 1 PNT9 1103 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
N TRAVELERS POLICYHOLDER NOTICE LEAD Dear Policyholder Lead has become a difficult problem for society as a whole and the insurance industry in particular. As a consequence we are attaching a lead exclusion to our liability policies based upon age and occupancy of buildings. Your policy contains this exclusion. If you have questions about your insurance program please contact your agent or local Company repre sentative. PN T194 08 94 Page 1 of 1 | 2 |
NOTICE OF CHANGE IN POLICY TERMS CG D4 580713 XTEND ENDORSEMENT FOR COMMERCIAL INDUSTRIES CG D4 670713 XTEND ENDORSEMENT FOR SERVICE INDUSTRIES CG D5010713 XTEND ENDORSEMENT FOR HEALTHCARE SERVICES CG D6 310713 XTEND ENDORSEMENT FOR LABOR UNIONS YOUR NEW POLICY INCLUDES COVERAGE CHANGES FROM YOUR PREVIOUS POLICY. THE IMPORTANT CHANGES ARE IDENTIFIED IN THIS NOTICE. PLEASE READ THIS NOTICE CAREFULLY. WE ALSO MAY HAVE MADE CERTAIN WORDING AND FORMATTING CHANGES FOR THE PURPOSE OF CLARIFICATION OR IMPROVED READABILITY. THIS NOTICE DOES NOT NECESSARILY IDENTIFY ANY OR EVERY CLARIFICATION OR EDITORIAL CHANGE MADE. NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE THE PROVISIONS OF THE POLICY PREVAIL. The XTEND endorsement previously included as part of your Commercial General Liability coverage has been replaced by a new XTEND endorsement as shown below Endorsement in Your Previous Policy Endorsement in Your New Policy International XTEND Endorsement XTEND Endorsement For Commercial Industries CG D4 58 10 08 or similar state specific version CG D4 58 07 13 or similar state specific version International XTEND Endorsement For Service XTEND Endorsement For Service Industries Industries CG D4 67 12 08 or similar state specific CG D4 67 07 13 or similar state specific version version Healthcare Services XTEND Endorsement XTEND Endorsement For Healthcare Services CG D5 01 05 09 or similar state specific version CG D5 01 07 13 or similar state specific version International XTEND Endorsement For Labor Unions XTEND Endorsement For Labor Unions CG D6 31 06 11 or similar state specific version CG D6 31 07 13 or similar state specific version The following changes reduce coverage 1. Your new policy no longer covers claims or suits made or brought outside of the United States including its territories and possessions Puerto Rico and Canada. 2. Your new policy no longer provides coverage for the reimbursement of transportation expenses that you incur in repatriating or relocating your employees who become injured or sick outside the United States including its territories and possessions Puerto Rico and Canada. Page 1 of 1 PN T9 80 07 13 2013 The Travelers Indemnity Company. All rights reserved. | 2 |
Producer No Pol Eff Dt Date Printed Time Printed Trans Eff Dt Insured Name Policy No Trans Seq No Trans Type Oper Init Company Abbr DIVIDER PAGE 37385000 H 94930830000000 02 27 2018 05CI 03 16 2018 105150 02 27 2018 EASTON DIAMOND SPORTS LLC GLO014451601 001 Renewal Issue USZSMF 6 ZA Release Version 18.03 User Selected Sets Copies Printer ZDW 01 Do nt print DIVIDER PAGE Producer No 37385000 SAN Pol Eff Dt 02 27 2018 Office Date Printed 03 16 2018 Time Printed 105150 Trans Eff Dt 02 27 2018 Insured Name EASTON DIAMOND SPORTS LLC Policy No GLO014451601 Trans Seq No 001 Trans Type Renewal Issue Oper Init USZSMF 6 Company Abbr ZA Release Version 18.03 User Selected Sets Copies Printer ZDW 01 Do nt print 94930830000000 05CI DIVIDER PAGE Producer No 37385000 SAN Pol Eff Dt 02 27 2018 Office Date Printed 03 16 2018 Time Printed 105150 Trans Eff Dt 02 27 2018 Insured Name EASTON DIAMOND SPORTS LLC Policy No GLO014451601 Trans Seq No 001 Trans Type Renewal Issue Oper Init USZSMF 6 Company Abbr ZA Release Version 18.03 User Selected Sets Copies Printer ZDW 01 Do nt print 94930830000000 05CI SAN Office | 2 |
POLICYWRITING INDEX INSURANGE FOR THIS COVERAGE PART PROVIDED BY ZURICH AMERICAN INSURANCE COMPANY COMPANY CODE 01 ACCOUNT NUMBER POLICY NUMBER PREVIOUS POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE 1006340000 GLO 0144516 01 GLO 0144516 00 02 27 2018 02 27 2019 NAMED INSURED EASTON DIAMOND SPORTS LLC MISCELLANEOUS INFORMATION TRANSACTION INFORMATION PAYMENT PLAN PREPAID TRANS. TYPE RENEWAL ISSUE OPERATOR 1.D USZSMF6 TRANS. SEQ. o001 UNDERWRITER 1.D USZSMF6 DATE PROCESSED 03 16 18 COUNTERSIGNATURE N TRANS. DATE 02 27 18 COMPULSORY AUTO ENDORSEMENT WORK. COMP. FEDERAL LD CANC REIN REASON AUDIT INDICATOR N UPC CODE 5508 SIC CODE 3949 ATHLETIC SPORTING GOODS NEC LINES OF BUSINESS COMMISSIONS LINE OF BUSINESS GENERAL LIABILITY COMMISSION NIL AID MES SMF6 RANS. TYPE RANS. SEQ. ATE PROCESSED RANS. DATE NDORSEMENT ANC REIN REASON RENEWAL ISSUE 001 03 16 18 02 27 18 D. ER LD SNATURE Y AUTO P. FEDERAL LD ATOR COMMISSION NIL FULL ANNUAL PREMIUM 10283.00 BILLED PREMIUM 10283.00 NAMED INSURED MAILING ADDRESS PRODUCER INFORMATION CODE 37385 000 EASTON DIAMOND SPORTS LLC LOCKTON COMPANIES LLC 444 W 47TH ST STE 900 100 DOMAIN DRIVE EXETER NH 03840 KANSAS CITY Mo 64112 1906 ASSEMBLY INFORMATION STAMPS STICKERS MAILING INSTRUCTIONS TS IES LLC STE 900 | 2 |
PAGE 2 POLICYWRITING INDEX PAGE 2 ACCOUNT NUMBER 1006340000 POLICY NUMBER GLO 0144516 01 PREVIOUS POLICY NUMBER GLO 0144516 00 EFFECTIVE DATE EXPIRATION DATE 02 27 2018 02 27 2019 COMPUTER PRODUCED FORMS 06 11 06 11 01 93 01 09 09 04 09 04 10 02 10 02 10 02 04 13 08 04 12 01 07 03 04 13 07 03 01 08 10 07 04 13 01 08 10 07 03 09 02 10 05 10 02 11 04 13 12 01 12 01 08 04 09 05 08 04 06 04 12 01 04 13 06 15 01 96 DISCLOSURE STATEMENT DISCLOSURE STATEMENT COMMON POLICY DECLARATIONS IMPORTANT NOTICE IN WITNESS CLAUSE COMMERCIAL GL COVERAGE PART DECLARATIONS EMPLOYEE BENEFITS LIAB DEC CLAIMS MADE SCHEDULE OF FORMS AND ENDORSEMENTS SCHEDULE OF NAMED INSURED S DESIGNATED CONTRACT ENDORSEMENT COMMERCIAL GENERAL LIABILITY COV FORM EMPLOYEE BENEFITS LIABILITY CLAIMS MADE FUNGUS EXCLUSION ENDORSEMENT FUNGI OR BACTERIA EXCLUSION ADL INSD OWNER LESSE CONT SCHEDULED ASBESTOS EXCLUSION ENDORSEMENT WELDING HEALTH HAZARD EXCLUSION DEDUCTIBLE OTH INS AMNDMT PRIMARY NONCONTRIBUTORY DEDUCTIBLE ADDITIONAL COVERAGES LEAD LIABILITY EXCLUSION LIMITED COVERAGE BLANKET WRAP UP TIME ELEMENT LIMITED POLLUTION LIABILITY NOTIFICATION TO OTHERS OF CANCELLATION WHO IS AN INSURED AMENDMENT BROAD FORM RECORD OR DISTRB OF MATRL OR INFO EXCL AIRCRAFT PROD. GROUNDING TESTING EXCL TWO OR MORE OF OUR POLICIES ENDORSEMENT AIDS EXCLUSION CLAIM SERIES ENDORSEMENT ELECTROMAGNETIC RADIATION EXCL. ENDT SILICA OR SILICA MIXED DUST EXCLUSION WAIVER OF SUBROGATION BLANKET ENDT. NEW HAMPSHIRE CHANGES NEW HAMPSHIRE CHANGES NH CHANGES DEDUCTIBLE LIABILITY U GU873 ACW U GU874 ACW U GU D310 A U GU319 F U GL D1115 B CW U GL D849 B CW U GU619 A CW U GU621 A CW U GL1114 A CW CG 00 01 U GL849 B CW U GL1063 A CW UGL1171ACW U GL1177 F CW U GL1178ACW U GL1205 B CW U GL1326 C CW U GL1327 B CW U GL1331 A CW U GL1342 A CW U GL1378 A CW U GL1397 A CW U GL1446 A CW U GL1475 A CW U GL1517 B CW U GL441 B CW U GL678 B CW U GL908 B CW U GL911 B CW U GL914 B CW U GL923 B CW U GL925 B CW CG 01 02 CG 01 12 CG 03 06 | 2 |
PAGE 3 PAGE POLICYWRITING INDEX ACCOUNT NUMBER 1006340000 POLICY NUMBER GLO 0144516 01 PREVIOUS POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE GLO 0144516 00 02 27 2018 02 27 2019 CG CG CG CG CG CG CG CG CG IL IL IL IL U GL2110 A CW U GU298 B CW U GU630 D CW U GU1191 A CW 20 20 21 21 21 21 26 26 27 00 00 00 01 10 26 06 16 47 73 55 88 19 03 17 21 35 04 13 04 13 05 14 04 13 12 07 01 15 11 08 01 15 07 09 09 08 11 98 09 08 09 08 01 15 04 94 01 15 03 15 ADDL INSD OWNERS LESSEES CONTRACTORS ADDL INSD DESIGNATED PERSON ORGANIZATION EXCL ACC DISCL OF CONFI OR PERSONAL INFO EXCL DESIGNATED PROFESSIONAL SERVICES EMPLOYMENT RELATED PRACTICES EXCLUSION EXCLUSION OF CERTIFIED ACTS OF TERRORISM NH CHANGES AMEND OF REPRESENT CONDITION AK EXCL OF CERTIFIED ACTS OF TERRORISM NH EMPLOYEE BENEFITS LIABILITY COVG CALCULATION OF PREMIUM COMMON POLICY CONDITIONS NUCLEAR ENERGY LIABILITY EXCLUSION ENDT NEW HAMPSHIRE CHANGES CANC NONRENEWAL PN ACCESS OR DISCLOSURE OF CONF INFO CANCELLATION BY US DISCLOSURE OF INFO RELATING TO TRIA SANCTIONS EXCLUSION ENDORSEMENT | 2 |
Z ZURICH Disclosure Statement Itis our pleasure to present the enclosed policy to you for presentation to your customer. INSTRUCTION TO AGENT OR BROKER WE REQUIRE THAT YOU TRANSMIT THE ATTACHED ENCLOSED DISCLOSURE STATEMENT TO THE CUSTOMER WITH THE POLICY. Once again thank you for your interest and we look forward to meeting your needs and those of your customers. U GU873 A CW 0611 Page 1of 1 | 2 |
Z ZURICH Disclosure Statement NOTICE OF DISCLOSURE FOR AGENT BROKER COMPENSATION If you want to learn more about the compensation Zurich pays agents and brokers visit httpwww.zurichnaproducercompensation.com or call the following toll free number 866 903 1192. This Notice is provided on behalf of Zurich American Insurance Company and its underwriting subsidiaries. U GU874 ACW 0611 Page 1 of 1 | 2 |
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