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LHK 9545621 00 2208301 s Increased Limits plementary Payments graphs 1.b. and 1.d. are s foliows b f Al hande ramirad 2 Under Section Coverage A the last para graph after the exclusions is replaced in its entirety by the following Exclusions. through n. do not apply to dam age by fire lightning expiosion smoke or leak age from fire protective systems to premises while rented to you or temporarily occupied by you with the permission of the owner. A sepa rate fimit of insurance applies to this coverage as described in LIMITS OF INSURANCE SEC TION Ill. This limit will apply to all damage proximately caused by the same event whether such damage resulis from fire lightning expiosion smoke or leakage from fire protective systems or any combination of the five. Under Section lll Limits Of Insurance para graph 6. is replaced in its entirety by the follow ing 6. Subject to 5. above the higher of a. 500000 or b. The Fire Lightning Explosion Smoke or Leakage from Fire Protective Sys tems Damage Limit shown in the Dec larations is the most we will pay under Coverage A for damages because of property damage from fire lightning explosion smoke and leakage from fire protective systems to premises while rented to you or temporarily occupied by you with permission of the owner. 4 Under Section IV Commercial General Liability Conditions Condition 4. Other Insurance paragraph b.2 is replaced by the following b.2 That is fire lightning explosion smoke or leakage from fire protective systems insurance for premises rented to you or temporarily occupied by you with per mission of the owner or 5 Under Section V Definitions definition 9. Insured contract a. is replaced in its en tirety by the foliowing 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 by fire lightning explosion smoke or leakage from fire pro tective systems to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract. 6 This coverage does not apply if Fire Damage Legal Liability of Coverage A is excluded either by the provisions of the Coverage Part or by endorsement. 18. 19. 20. Shppementary Payments Increased Limits Under Section Supplementary Payments Coverages A mnd B paragraphs 1.b. and 1.d. are replaced in their entirety as foliows 1.b. Up to 2500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 1.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 eamings up to 300 a day because of time off from work. Unintentional Failure to Disclose Hazards Under Section IV Commercial General Liability Conditions Condition 6. Representations paragraph d. is added as follows d. We will not disclaim coverage under this Coverage Part if you fail to disclose all hazards existing as of the inception date of the policy provided such failure is not intentional. Unintentional Failure to Notify Under Section IV Commercial General Liability Conditions Condition 2. Duties in the Event of Occurrence Offense Claim or Suit paragraph g. is added as follows. Your rights afforded under this policy shall not be prejudiced if you fail to give us notice of an occurrence offense claim or suit solely due to your reasonable and documented belief that the bodily injury or property damage is not covered under this policy. Includes copyrighted material of Insurance Services Office Inc. with its permission. Copyright Insurance Service Office Inc. 1998 421 0080 0103 0019 Page 6 of 6 Page 6 of 6 | 2 |
LHK 9545621 00 2208301 COMMERCIAL GENERAL LIABILITY CG 00011207 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section Il Who Is An In sured. 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 Jegally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this in surance does not apply. We may at our discre tion 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 It Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insur ance in the payment of judgments or set tlements under Coverages A or B or medi cal expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless ex plicitly provided for under Supplementary Pay ments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an oc currence or claim knew that the bodily in jury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any con tinuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period.. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have 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 resumption of that bodily injury or property damage af ter the end of the policy period. d. Bodily injury or property damage wili be deemed to have been known to have occurred at the earliest time when any insured listed un der Paragraph 1. of Section If Who Is An In sured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other in surer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or Becomes aware by any other means that bodily injury or property damage has oc curred or has begun to occur. 2 3 policy restrict coverage. efully to determine rights ot covered. words you and your shown in the Declarations rganization qualifying as a s policy. The words we e company providing this any person or organization Section Il Who Is An In that appear in quotation ng. Refer to Section V JURY AND PROPERTY sums that the insured be ated to pay as damages jury or property damage ce applies. We will have defend the insured against hose damages. However ty to defend the insured eking damages for bodily damage to which this in ly. We may at our discre occurrence and settle at may result. But will pay for damages is Page 1 of 16 CG 00 011207 0030 ISO Propertties Inc. 2006 | 0 |
LHK 9545621 00 2208301. Liguor 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 furishing of alcohoiic beverages to a person under the legal drinking age or un der the influence of aicohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alco holic beverages. This exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. d. 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. e. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of. a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share dam ages with or repay someone else whe must pay damages because of the injury. This exclusion does not apply to liability as sumed by the insured under an insured con tract. e Damages because of bodily injurv include damages claimed by any person or organiza tion for care loss of services or death resuiting at any time from the bodily injury. 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a con tract or agreement. This exclusion does not apply to liabiiity for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subse quent to the execution of the contract or agreement. Solely for the purposes of liabil ity assumed in an insured contract rea sonable atiorney fees and necessary litiga tion expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and. Such attorney fees and litigation ex penses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are al leged. b Page 2 of 16 180 Properties Inc. 2006 CG 00011207 m nan nan nan nan 31.0 | 1 |
LHK 9545621 00 2208301 f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened dis charge dispersal seepage migration re lease or escape of pollutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use.by the building s occupants or their guests if Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your poi icy as an additional insured with re spect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any in sured other than that additional in sured or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location which is or was at any time used by or for any insured or others for the han dling storage disposal processing or treatment of waste c Which are or were at any time trans ported handied 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 responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or in directly on any insured s behalf are per forming operations if the pollutants are brought on or to the premises site or io cation in connection with such opera tions by such insured contractor or sub contractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels Iu bricants or other operating fluids which are needed to perform the normal electrical hydraufic or me chanical 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 held store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or re lease of the fuels lubricants or other operating fluids or if such fuels fu bricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being per formed by such insured contractor or subcontractor i Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connec tion with operations being performed by you or on your behalf by a con tractor or subcontractor or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or in directly on any insured s behalf are per forming operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the ef fects of poliutants. Page 3 of 16 CG 00011207 0032 ISO Properties Inc. 2006 | 1 |
LHK 9545621 00 2208301 5 Bodily injury or property damage arising out of a The operation of machinery or equip ment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law in the state where it is ii censed or principally garaged or the operation of any of the machinery or equipment listed in Paragraph f.2 or.3 of the definition of mobile equip ment. h. Mobile Equipment Bodily injury or property damage arising.out of b 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force inciuding action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restora tion or maintenance of such property for any reason including prevention 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 3 3 G 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory reguirement 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 Claim or suit by or on behalf of a gov ermnmental authority for damages be cause of testing for monitoring cleaning up removing containing treating de toxifying or neutralizing or in any way responding to or assessing the effects of poliutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a govern mental authority. g. 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 wa tercraft 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 employ ment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrust ment to others of any aircraft auto or water craft that is owned or operated by or rented or loaned o 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 isnot 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 Page 4 of 16 b 4 CG 00011207 o 1S0 Properties Inc. 2006 nan nan nan nan 33.0 | 1 |
LHK 9545621 00 2208301 ply to the loss of use it of sudden and ac your product or N put to its intended. Or Impaired y loss cost or ex thers for the loss of i spection repair re woval or disposal of operty is withdrawn or from use by any ause of a known or cy inadequacy or Injury f personal and ad loss of loss of use inability to access ctronic data. n electronic data programs stored as or transmitted to or luding systems and or floppy disks CD s data processing ia which are used i equipment. Violation Of damage arising di y action or omission violate mer Protection Act amendment of or 2003 including any n to such law or or regulation other SPAM Act of 2003 sending transmit fistribution of mate Page5 of 16 5 That particular part of real property on which you or any contractors or subcentrac tors working directly or indirectly on your behaif are performing operations if the property damage arises out of those op erations or That particular part of any property that must be restored repaired or replaced be cause your work was incorrectly per formed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises inciuding the con tents of such premises rented to you for a pe riod of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Prem ises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this 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 products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it. 6. 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 sub contractor.. 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 danger ous 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 ac cidental physical injury to your product or your work after it has been put to its intended use. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or 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 it such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. Personal And Advertising Injury Bodily injury arising out of personal and ad vertising injury. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMS tapes drives celis data processing devices or any other media which are used with electronically controiled equipment. Distribution Of Material In Violation Of Statutes Bodily injury or property damage arising di rectly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law or 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law or 3 Any statute ordinance or regulation other than the TCPA or CAN SPAM Act of 2003 that prohibits or limits the sending transmit ting communicating or distribution of mate rial or information. Page5 of 16 CG 00011207 0034 IS0 Properties Inc. 2006 | 1 |
LHK 9545621 00 2208301 Eveiusions. through n. da not apply fo damags 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 a. 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 wili 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 per sonal and advertising injury to which this in surance does not apply. We may at our discre tion investigate any offense and settie any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Hl Limits Of insurance and 2 Our right and duty to defend end when we have used up the applicable fimit of insur ance in the payment of judgments or set tlements under Coverages A or B or medi cal expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless ex plicitly provided for under Suppiementary Pay ments Coverages A and B. b. This insurance applies to personal and adver tising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowl edge that the act would violate the rights of an other and would inflict personal and advertis ing injury. b. 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 knowl edge of its falsity. Page 6 of 16 o Waterial 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 beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to fi ability 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 con tract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or 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 advertise ment. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trade mark trade secret or other intellectual property rights. Under this exclusion such other intellec tual property rights do not include the use of another s advertising idea in your advertise ment. 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 Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of web sites for others or CG 00011207 o IS0 Properties inc. 2006 nan nan nan nan 35.0 | 1 |
LHK 8545621 00 2208301 revolution usurped by governmental au fending against any 1 Violation Of injury arising di y action or omission violate mer Protection Act amendment of or 2003 including any on 1o such law or or regulation other SPAM Act of 2003 e sending transmit distribution of mate NTS nses as described sed by an accident r rent S you own or rent ons place in the cover iring the policy pe curred and reported r of the date of the ubmits to examina 3 3 by physicians of as we reasonably ents regardless of not exceed the ap Ne will pay reason at the time of an urgical x ray and ing prosthetic de hAaarital mrefan 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and. 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 itseif considered the business of advertis ing broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the in sured hosts owns or over which the insured exercises control. I. 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. n. Pollution Related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a govern mental authority for damages because of testing for monitoring cleaning up remov ing containing treating detoxifying or neu tralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using military personnel or other agents or 8 Insurrection rebellion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these. p. Distribution Of Material In Violation Of Statutes Personal and advertising injury arising di rectly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law or 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law or 3 Any statute ordinance or regulation other than the TCPA or CAN SPAM Act of 2003 that prohibits or limits the sending transmit ting communicating or distribution of mate rial or information. COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the cover age territory and during the policy pe riod b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to 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 reason able 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. Page 7 of 16 CG 00 011207 0036 ISO Properties Inc. 2006 | 1 |
LHK 8545621 00 2208301 We will not pay expenses for bodily injury a. 9 Any Insured To any insured except volunteer workers.. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured.. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occu pies.. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a work ers compensation or disability benefits law or a similar law.. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. Products Completed Operations Hazard Included within the products completed opera tions hazard. Coverage A Exclusions Excluded under Coverage A. 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 because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds.. All reasonable expenses incurred by the in sured at our request to assist us in the investi gation or defense of the claim or suit includ ing actual loss of eamnings up to 250 a day because of time off from work. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. Page 8 of 16 f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment in terest based on that period of time after.the of fer. g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or depos ited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insur ance.. 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 li ability of the indemnitee in a contract or agree ment that is an insured contract b. This insurance applies to such liability as sumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been as sumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the inter ests of the insured and the interests of the in demnitee e. The indemnitee and the insured ask us to conduct and controf the defense of that indem nitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit b Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coor dinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and CG 00011207 a ISO Properties Inc. 2006 nan nan nan nan 37.0 | 1 |
LHK 9545621 00 2208301 1insured nly while performing ict of your business er than either your are an organization int venture or limited nanagers if you are but only for acts nployment by you or ated to the conduct none of these em rkers are insureds nal and advertising ners or members if ip or joint venture you are a limited i 0 coemployee of his or her em ing duties related to business or to your kers while perform the conduct of your parent brother or npioyee or volun nsequence of Para any obligation to or repay someone amages because of n Paragraphs 1a r her providing or orofessional health perty ised by e custody or con physical control is ny purpose by loyees volunteer member if you are ture or any mem ability company. Page 9 of 16 2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited fiability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these em ployees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited fi ability company to a coemployee while in the course of his or her em ployment or performing duties related to the conduct of your business or to your other volunteer workers while perform ing duties related to the conduct of your business To the spouse child parent brother or sister of that coemployee or volun teer worker as a consequence of Para graph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs 1a or b above or Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or con trol of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any mem ber if you are a limited liabiiity company. b d 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 in demnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section I Cov erage A Bodily Injury And Property Damage Li ability 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 litiga tion expenses as Supplementary Payments ends when we have used up the applicable limit of in surance in the payment of judgments or settle ments or the conditions set forth above or the terms of the agreement described in Paragraph. f. above are no longer met. SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insur eds 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. Your members your partners and their spouses are also insureds but only with re spect to the conduct of your business. c. A limited fiability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a parinership joint venture or limited fiability company you are an insured. Your executive officers and directors are insureds but only with respect to their du ties as your officers or directors. Your stock holders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their du ties as trustees. ka Page 9 of 16 CG 00011207 0038 ISO Properties Inc. 2006 | 1 |
LHK 9545621 00 2208301 W Any person other than your empinyea 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 under this Coverage Part. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named 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 period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect o the conduct of any current or past partnership joint venture or fimited liability company that is not shown as a Named Insured in the Declarations. SECTION Il 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 Cj b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and. Damages under Coverage B. Page 10 of 16 3. The Products Completed Operations Agaregats Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed op erations hazard. 4. Subject to Paragraph 2. above the Personal and Advertising Injury Limit is the most we will pay un der Coverage B for the sum f all damages be cause of all personal and advertising injury sus tained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we wili 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 Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of oroperty damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Ex pense Limit is the most we will pay under Cover age C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy pericd 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 additionai pericd will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our 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 pos sible 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 o CG 00011207 u nan nan nan nan 39.0 1S0 Properties Inc. 2006 | 1 |
LHK 8545621 00 2208301 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 bie. 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 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless alf 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 ap plicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claim ant 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 Para graph b. below applies. If this insurance is pri mary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insur ance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Instaliation Risk or similar coverage for your work ii That is Fire insurance for premises rented fo you or temporarily occu pied by you with permission of the owner iii That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occu pied by you with permission of the owner or iv 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 Coverage A Bodily Injury And Property Dam age Liability. b Any other primary insurance available to you covering liability for damages aris ing out of the premises or operations or the products and completed operations for which you have been added as an additional insured by attachment of an endorsement. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer de fends we will undertake to do so but we will be entited to the insured s rights against all those other insurers. Page 11 of 16 CG 00011207 0040 ISO Properties Inc. 2006 | 1 |
LHK 9545621 00 2208301 ased upon representa nd policy in reliance upon imits of Insurance and fically assigned in this Named Insured this in 1sured were the only red against whom claim ght. overy Against Others recover all or part of je under this Coverage isferred to us. The in r loss to impair them. At l bring suit or transfer us enforce them. this Coverage Part we 2 first Named Insured s written notice of the 0 days before the expi mailing will be sufficient wotice that is broadcast public or specific mar joods products or ser attracting customers or s of this definition shed include material or on similar electronic el 2 When this insurance is eveess avar other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other in surance. 4 We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer con tributes equal amounts until it has paid its ap plicable 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 wilt contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Cover age Part in accordance with our rules and rates Premium shown in this Coverage Part as ad vance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computa tion 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 v Page 12 of 16 A Those siatemants are based upon reprasenta tions 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 in surance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The 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 sufficient 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. A land motor vehicle trailer or semitrailer de signed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a com pulsory or financial responsibility law or other motor vehicle insurance law in the state where it is licensed or principally garaged. However auto does not include mobile equip ment. insurance permits contribution s we will follow this method approach each insurer con nounts until it has paid its ap insurance or none of the loss ver comes first. ter insurance does not permit qual shares we will contribute r this method each insurer s on the ratio of its applicable to the total applicable limits of nsurers. all premiums for this Cover cordance with our rules and in this Coverage Part as ad is a deposit premium only. At 1 audit period we will compute um for that period and send Named Insured. The due date strospective premiums is the he due date on the bill. If the ince and audit premiums paid iod is greater than the earned return the excess to the first Insured must keep records of ve need for premium computa s copies at such times as we licy you agree in the Declarations are accu. IS0 Properties Inc. 2006 CG 0001 1207 a nan nan nan nan 41.0 | 1 |
LHK 9545621 00 2208301 premises. However for a lease of prem person or organiza to premises while ily occupied by you er is not an insured greement except in on or demolition op t of a railroad d by ordinance to xcepl in connection Jreement ract or agreement s including an in ality in connection L municipality under t liability of another y or property dam I organization. Tort li t would be imposed I of any contract or I ide that part of any ad for bodily injury. i arising out of con perations within 50 perty and affecting restle tracks road or crossing chitect engineer or nage arising out of J or failing to pre ps shop drawings rveys field orders awings and specifi or instructions or b f that is the primary damage or 2d if an architect ssumes liability for ising out of the in lure to render pro ding those fisted in ory inspection ar Antiitaa 3. Bodily injury means bodily injury sickness or disease sustained by a person including death re sulting 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 Paragraph a. above or c. Allother parts of the world if the injury or dam age arises out of 1 Goods or producis made or sold by you in the teritory described in Paragraph a. above 2 The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or simi lar electronic means of communication provided the insured s responsibility to pay dam ages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to. 5. Employee includes a leased worker. Em ployee does not include a temporary worker. 6. 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. 7. Hostile fire means one which becomes uncon trollable or breaks out from where it was intended 1o be. 8. 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 contract or agreement if such property can be restored to use by the re pair replacement adjustment or removal of your product or your work or your fulfiling the terms of the contract or agreement 9. Insured contract means a. o o P A contract for a lease of premises. However that portion of the contract for a lease of prem ises that indemnifies any person or organiza tion 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 op erations on or within 50 feet of a railroad An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an 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 dam age to a third person or organization. Tort i ability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a raiiroad for bodily injury or property damage arising out of con struction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing 2 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to pre pare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifi cations or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the in sured s rendering or failure to render pro fessional services including those fisted in 2 above and supervisory inspection ar chitectural or engineering activities. Page 13 of 16 CG 00011207 0042 180 Properties Inc. 2006 | 1 |
LHK 8545621 00 2208301 ehicles with the fol ntly attached equip Jipment but will be imarily for but not construction ilar devices mounted chassis and used to and ps and generators ding building clean ration lighting and it does not include ject to a compulsory or other motor vehi where it is licensed sehicles subject to a nsibility law or other w are considered dent including con to substantially the ns. jury means injury y injury arising out offenses nprisonment wrongful entry into orivate occupancy of es that a person oc 1 behalf of its owner in any manner of beis a person or or person s or organi services in any manner of erson s right of pri ertising idea in your opyright trade dress ment. CG 00011207 m 10.Leasad workar means a person leased 0 yoi by 1 12 a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business Leased worker does not include a temporary worker..Loading or unloading means the handling of property a. After it is moved from the piace where it is accepted for movement into or onto an aircraft watercraft or auto While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft water craft or auto to the place where it is finally de livered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not at tached to the aircraft watercraft or auto. v.Mobile equipment means any of the following types of land vehicles including any attached ma chinery 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 propelied or not main tained primarily to provide mobility to perma nently mounted 1 Power cranes shovels loaders diggers or drilis or 2 Road construction or resurfacing equipment such as graders scrapers or roliers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to per manently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building clean ing 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 Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self nropelled 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 construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building clean ing geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financiai responsibility law or other motor vehi cle insurance law in the state where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos.. 13.Occurrence means an accident including con tinuous 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. False arrest detention or imprisonment Malicious prosecution The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person oc cupies committed by or on behalf of its owner landlord or lessor. Oral or written publication in any manner of material that slanders or fibeis a person or or ganization or disparages a person s or organi zation 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 advertisernent. Page 14 of 16 CG 00011207 m IS0 Properties Inc. 2008 nan nan nan nan 43.0 | 1 |
LHK 8545621 00 2208301 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 o be recycled reconditioned or reclaimed. 16.Products completed operations hazard a. 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 pos session or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the ealiest of the fol lowing 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 con tract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. 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 equip ment or abandoned or unused materials or 3 Products or operations for which the classi fication listed in the Declarations or in a policy schedule states that products compieted operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury to tangible properly 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 c b. Loss of use of tangible property that is not physically injured. Ali such loss of use shall be desmed 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 te or from com puter software including systems and applications software hard or floppy disks CD ROMS tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this 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 con sent. 19.Temporary worker means a person who is fur nished to you to substitute for a permanent em ployee on leave or to meet seasonal or short term workload conditions. 20.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 a. Means 1 Any goods or products other than real property manufactured sold handled dis tributed or disposed of by a You b Others trading under your name or A person or organization whose busi ness or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. Includes Page 15 of 16 CG 00011207 0044 IS0 Properties Inc. 2006 | 1 |
LHK 9545621 00 2208301 2 Materials. parts or eguipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality du rability performance or use of your work and 2 The providing of or failure to provide warn ings or instructions. 1 Warrantiss or representations mada at any time with respect to the fitness quality du rability performance or use of your prod uct and 2 The providing of or failure to provide wam ings or instructions. c. Does not include vending machines or other property rented to or located for the use of oth ers but not soid. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and Page 16 of 16 IS0 Properties Inc. 2006 CG 00011207 m nan nan nan nan 45.0 | 1 |
LHK 9545621 00 2208301 LICY NUMBER LHK 9545621 00 s COMMERCIAL GENERAL LIABILITY CG 04351207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. POLICY NUMBER LHK 9545621 00 This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits 1000000 ch employee 1000 Programs 2000000 aggregate Retroactive Date 04272012 Information required 1o complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages No other obligation or liability to pay sums COVERAGE EMPLOYEE BENEFITS or perform acts or services is covered un LIABILITY less explicitly provided for under Supple N mentary Payments. 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as dam ages because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking dam ages to which this insurance does not ap ply. We may at our discretion investigate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable fimit of insurance in the payment of judgments or settlements. b. This insurance applies to damages only if 1 The act error or omission is negligently committed in the administration of your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and A claim for damages because of an act error or omission is first made against any insured in accordance with Paragraph c. below during the policy period or an Extended Reporting Period we provide under Paragraph F. of this endorsement. c. A claim seeking damages will be deemed to have been made at the earlier of the fol lowing times 1 When notice of such claim is received and recorded by any insured or by us whichever comes first or 3 CG 04351207 ISO Properties inc. 2006 Page 1of 6 nan nan nan nan 46.0 | 2 |
LHK 9545621 00 2208301 f. Workers Compensation And Similar Laws Any Tclaim arising oui of vour faiiure o comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement Income Secu rty Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reascnable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termina tion of empioyment discrimination or other employment related practices.. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and B are replaced by Supple mentary Payments Coverages A B and Em ployee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply.. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 4. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured a. Each of your employees who is or was authorized to administer your employee benefit program. b. Any persons organizations or employees having proper temporary authorization to administer your employee benefit program if you die but only until your legal represen tative is appointed. 2 When we make sefilement in accor dance with Paragraph a. above. r 2nd orded hw the in sured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim. d. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts erors or omissions including damages claimed by such employee s dependents and benefi ciaries will be deemed to have been made at the time the first of those claims is made against any insured. 2. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless viola tion of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. e. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. your employee ns or employees y authorization to e benefit program our legal represen CG 04351207 u SO Properties Inc. 2008 Page 2 of 6 0047 | 2 |
LHK 9545621 00 2208301. Your legal representative if you die but only with respect to duties as such. That repre sentative will have all your rights and duties under this Endorsement. 3. Any organization you newly acquire or form other than a partnership joint venture or iimited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance applies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the pol icy period whichever is earlier b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section Il Limits Of Insurance is replaced by the following 1. Limits Of insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed in the administration of your employee benefit program. c. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one em ployee including damages sustained by such employee s dependents and benefi ciaries as a result of 1 An act error or omission or 2 A series of related acts errors or omis sions negligently committed in the administra tion of your ernployee benefit program. However the amount paid under this en dorsement shall not exceed and will be subject to the fimits and resirictions that apply to the payment of benefits in any plan included in the employee benefit program. The Limits of Insurance of this endorsement 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 of the policy to which this endorsement is attached unless the policy period is extended after issu ance for an additional period of less than 12 months. In that case the additional period will be deemed part of the iast preceding period for purposes of determining the Limits Of Insur ance. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applica ble to Each Employee. The limits of insur ance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Sched ule applies to all damages sustained by any one employee including such em ployee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespeciive of the application of the deductible amount. d. We may pay any part or all of the deducti ble amount to effect setlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are replaced by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see fo it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the extent possible notice should include 1 What the act error or omission was and when it occurred and CG 04351207 0048 ISO Properties inc. 2006 Page3of6 | 2 |
LHK 9545621 00 2208301 2 The names and addresses of anyone who may suffer damages as a resuli of the act error or omission. b. if a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information Cooperate with us in the investigation or settiement of the claim or defense against the suit and 4 Assist us upon our request in the en forcement of any right against any per son or organization which may be fiable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 4. Other Insurance. If other valid and collectible insurance is avail able to the insured for a loss we cover under this endorsement our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insur ance is primary our obligations are not af fected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method de scribed in Paragraph c. below. 2 b. Excess Insurance 1 This insurance is excess over any of the othier insurance. whether orimary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 When this insurance is excess we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of the total amount that all such other insurance would pay for the loss in absence of this insurance and the total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not de scribed in this Excess Insurance provi sion and was not bought specifically to apply in excess of the Limits of Insur ance shown in the Schedule of this en dorsement. c. Method Of Sharing If all of the other insurance permits contri bution by equal shares we will follow this method also. Under this approach each in surer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first If any of the other insurance does not per mit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limits of insurance to the total applicable limits of insurance of all insurers. IS0 Properties Inc. 2006 CG04351207 O Page 4 of 6 0049 | 2 |
LHK 9545621 00 2208301 ting Period endorsement rerage shall set forth the it with this Section appli Reporting Period includ effect that the insurance first received during such any other valid and col ailable under policies in ended Reporting Period orting Period is in effect xtended reporting period surance described below st received and recorded eporting Period. g period aggregate imit qual to the dollar amount ule of this endorsement ce. this endorsement will be The Each Employee hedule will then continue Paragraph D.1.c. overage provided by this ng definitions are added ion fo employees in ndents and beneficiaries igibility for or scope of rograms in connection with the rogram or ng or terminating any ipation in any benefit in yee benefit program. tion does not include ions. ns plans authorized by w employees o elect to with pre tax dollars. mand or suit made by employee s dependents damages as the result of n. Page 5of 6 m F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorse ment is aftached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Ex tended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this en dorsement or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not ex tend the policy period or change the scope of coverage provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not before the Reiroactive Date if any shown in the Schedule. Once in effect the Ex tended Reporting Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a writien request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing s0 we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this endorsement for future payment of dam ages and d. Other related factors. The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period aggregate limit of insurance described below but only for claims first received and recorded during the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement under Limits of Insurance. Paragraph D.1.b. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G. For the purposes of the coverage provided by this endorsement the foliowing definitions are added to the Definitions Section 1. Administration means a. Providing information to employees in cluding their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. ISO Properties Inc. 2006 G 04351207 | 2 |
LHK 9545621 00 2208301 4. Employee benefit program means a program providing some or all of the following benefits pre 5 to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility requirements. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits. Unemployment insurance social security benefits workers compensation and dis ability benefits. Vacation plans including buy and sell pro grams leave of absence programs includ ing military maternity family and civil leave tuition assistance plans transporta tion and health club subsidies and H. Fi e. Any other similar benefits designated in the Schedule or added thereto by endorse ment. or the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively em 18. ployed formerly employed on leave of ab sence or disabled or refired. Employee in cludes a leased worker. Employee does not include a temporary worker. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent CG04351207 O 1SO Properties Inc. 2006 Page 6 of 6 0051 | 2 |
LHK 9545621 00 2208301 IL 00 21 09 08 CAREFULLY. ION age to bodily injury sulting from hazard r material if a is at any nuclear operated by or on be or b has been dis therefrom al is contained in e at any time pos d processed stored 2d of by or on behalf v property damage shing by an insured parts or equipment in lanning construction on or use of any nu uch facility is located s of America its terri or Canada this ex ly to property dam ar facility and any des radioactive toxic ource material spe roduct material. Page 10f2 a IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy fiability policy issued by Nu clear Energy Liability Insurance Associa tion Mutual Atomic Energy Liability Underwriters Nuclear Insurance Associa tion 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 fimit of liability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitied to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organi zation. B. Under any Medical Payments coverage io expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuciear facility by any person or organization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuciear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time pos sessed handied 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 fumishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri fories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material spe cial nuclear material or by product material. 3 IL 00 21 09 08 0027 S0 Properties Inc. 2007 Page 1 of 2 a | 2 |
LHK 9545621 00 2208301 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 ex posed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear faciiity included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is focated 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. Page 2 of 2 0028 1S0 Properties inc. 2007 IL 00 21 09 08 o | 2 |
LHK 9545621 00 2208301 IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART. LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was com puted based on rates in effect at the time the policy was issued. On each renewal continuation or anni versary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. L.00 03 09 08 0026 130 Properties Inc. 2007 Page 1 of 1 u | 2 |
LHK 9545621 00 2208301 COMMERCIAL GENERAL LIABILITY CG 21960305 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SILICA OR SILICA RELATED DUST EXCLUSION This endorsement modifies insurance provided under the foliowing COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The foliowing exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Exclusions of Section Coverage B Per Injury And Property Damage Liability sonal And Advertising Injury Liability 2. Exclusions 2. Exclusions This insurance does not apply to Silica Or Silica Related Dust a. Bodily injury arising in whole or in part out of the actual alleged threatened or suspected inhalation of or ingestion of sil ica or silica refated dust. b. Property damage arising in whole or in part out of the actual alieged threatened or suspected contact with exposure o ex istence of or presence of siiica or silica related dust. c. Any loss cost or expense arising in whole or in part out of the abating testing for monitoring cleaning up removing contain ing treating detoxifying neutralizing remediating or disposing of or in any way This insurance does not apply to Silica Or Silica Related Dust a. Personal and advertising injury arising in whole or in part out of the actual alleged threatened or suspected inhalation of in gestion of contact with exposure to exis tence of or presence of silica or silica refated dust. b. Any loss cost or expense arising in whole or in part out of the abating festing for monitoring cleaning up removing contain ing ftreating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of silica or silica related dust by any in sured or by any other person or entity. responding to or assessing the effects of C. The following definitions are added to the Defini silica or silica related dust by any in tions Section sured or by any other person or enfity. 1. Silica means silicon dioxide occurring in crystalline amorphous and impure forms sil ica particles silica dust or silica compounds. 2. Silica related dust means a mixture or com bination of silica and other dust or particles. or in part eatened or tion of sil whole or in threatened sure to ex or silica g in whole testing for 1 g contain eutralizing Page 1of 1 o 1S0 Propetties Inc. 2004 CG 21 96 03 05 0023 | 2 |
LHK 8545621 00 2208301 COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Exclusions of Section Coverage B Per Injury And Property Damage Liability sonal And Advertising Injury Liability 2. Exclusions 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 threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of. whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardiess of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any in sured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus inciud ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 0022 SO Properties Inc. 2003 Page 1of 1 o | 2 |
LHK 9545621 00 2208301 COMMERCIAL GENERAL LIABILITY CG 21760108 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The following exclusion is added 2. The act is a violent act or an act that is dan gerous to human life property or infrastructure This insurancs does not apply to and is committed by an individual or individuals TERRORISM PUNITIVE DAMAGES as part of an effort fo coerce the civilian popu Damages arising directly or indirectly out of a lation of the United States or to influence the certified act of terrorism that are awarded as pu policy or affect the conduct of the United States nitive damages. Government by coercion.. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury in con currence with the Secretary of State and the Attor ney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terror ism Risk Insurance Act for a certified act of terror ism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dan gerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort fo coerce the civilian popu lation of the United States or to influence the policy or affect the conduct of the United States Government by coercion. CG 21760108 0025 180 Properties Inc. 2007 Page 1 of 1 | 2 |
LHK 9545621 00 2208301 COMMERCIAL GENERAL LIABILITY CG 21700108 FHIS ENDORSEMENT CHANGES THE POLICY. PLEASE HEAD IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the foliowing 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 aitributable to terrorist acts certified under the federal Terrorism Risk insurance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insurance Act we shail not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act. 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 atiributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. CG 21700108 0024 ISO Properties Inc. 2007 Page 1 of 1 | 2 |
LHK 8545621 00 2208301 NERAL LIABILITY CG 21471207 AREFULLY. USION THIS ENDORSEMENT CHANGES THE POLICY. PLEASE R COMMERCIAL GENERAL LIABILITY CG 21471207 D 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 I 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 Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the mjurycausihg event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. c 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 and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. Page 1of 1 m IS0 Properties Inc. 2006 CG 21471207 0029 | 2 |
LHK 8545621 00 2208301 COMMERCIAL GENERAL LIABILITY CG 00621202 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAR LIABILITY EXCLUSION This endorsement modifies insurance provided under the foliowing COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion i. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is repiaced by the fol lowing 2. Exclusions This insurance does not apply to i. War Bodily injury or property damage how ever caused arising directly or indirectiy out of 1 War including undeciared or civii 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 au thority using military personnei or other agents or Insurrection rebellion revolution usurped power or action taken by gov emmental authority in hindering or de fending against any of these. 3. 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 and advertising injury however caused arising directly or indirectly out of a. War including undeclared or civil war or b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using military personnel or other agents or c. Insurrection rebeliion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these.. Exclusion h under Paragraph 2. Exclusions of Section Coverage C Medical Payments does not apply. Medical payments due to war are now subject to Exclusion g. of Paragraph 2. Evrhitcimmne f Cartimm S mrmrmrs 5 B B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to WAR Personal and advertising injury however caused arising directly or indirectly out of a. War including undeclared or civil war or b. Warlike action by a military force including action in hindering or defending against an actual or expected attack by any govern ment sovereign or other authority using military personnel or other agents or c. Insurrection rebeliion revolution usurped power or action taken by governmental au thority in hindering or defending against any of these. C. Exclusion h. under Paragraph 2. Exclusions of Section Coverage C Medical Payments does not apply. Medical payments due to war are now subject to Exclusion g. of Paragraph 2. Exclusions of Section Coverage C Medical Payments since bodily injury arising out of war is now excluded under Coverage A. CG 00 62 12 02 0020 180 Propertties Inc. 2002 Page 1 of 1 u | 2 |
LHK 9545621 00 2208301 POLICY NUMBER LHK 9545621 00. COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ i1 CAREFUL AMENDMENT OF LIQUOR LIABILITY EXCLUSION EXCEPTION FOR SCHEDULED ACTIVITIES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Descrintion of A ctivitvlies Description of Activityies Description of Activityies If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. Exclusion. of COVERAGE A Section I is replaced by the following c. 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 Jegal drinking age or under the influence of aleohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alco holic beverages. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic bever ages 2 Serve or furnish alcoholic beverages for a charge whether or not such activity a Requires a license b Is for the purpose of financial gain or liveli hood or 3 Serve or furnish alcoholic beverages without a charge if a license is required for such activity. However this exclusion does not apply to bodily injury or property damage arising out of the sell ing serving or furnishing of alcoholic beverages at the specific activityies described above. CG 2151 09 89 0021 Copyright Insurance Services Office Inc. 19891992 | 2 |
LHK 8545621 00 2208301 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS LIABILITY EXCLUSION This endorsement modifies insurance provided under the following BUSINESSOWNERS POLICY COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to bodily injury property damage personal injury or advertising injury arising out of any actual or alleged 1. Inhaling ingesting or prolonged physical exposure by any person to asbestos or asbestos fibers or goods or products containing asbestos or Use of asbestos in constructing or manutacturing any good product or structure or Intentional or accidental removal including encapsulation dispersal sealing or disposal of asbestos or asbestos fibers from any good product or structure or Manufacture transportation storage or disposal of asbestos or goods or products containing ashestos or Product manufactured sold handled or distributed by or on behalf of the insured which contain asbestos or Acts or omissions of the insured in connection with the general supervision of any job involving the removal enclosure encapsulation dispersal sealing or disposal of asbestos asbestos fibers or products containing asbestos. General supervision includes the rendering of or failure to render any instructions recommendations warnings or advice. 421 0022 ED 12 90 nan nan nan nan 13.0 | 2 |
LHK 9545621 00 2208301 RECORDING AND DISTRIBUTION O INFORMATION IN VIOLATION OF L COMMERCIAL GENERAL LIABILITY CG 00 68 05 09 TiON OF MATERIAL OR AW EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion q. of Paragraph 2. Exclusions of Sec tion Coverage A Bodily Injury And Prop erty Damage Liability is replaced by the follow ing 2. Exclusions This insurance does not apply to q. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to vio late 1 The Telephone Consumer Protection Act TCPA inciuding any amendment of or addition to such law The CAN SPAM Act of 2003 including any amendment of or addition to such law The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accu rate Credit Transaction Act FACTA or Any federal state or local statute ordi nance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and addi tions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmit ting communicating or distribution of material or information. 3 4 B. Exclusion p. of Paragraph 2. Exclusions of Sec tion Coverage B Personal And Advertising Injury Liability is replaced by. the following 2. Exclusions This insurance does not apply to p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising di rectly or indirectly out of any action or omis sion that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accu rate Credit Transaction Act FACTA or Any federal state or local statute ordi nance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and addi tions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmit ting communicating or distribution of material or information. 3 4 Page 1 of 1 o CG 00 68 05 09 0012 Insurance Services Office Inc. 2008 | 2 |
LHK 9545621 00 2208301 NOTICE TO POLICYHOLDERS TERRORISM COVERAGE ACCEPTANCE The Terrorism Risk Insurance Act of 2002 established a program Terrorism Risk Insurance Program within the Department of the Treasury under which the federal government shares with the insurance industry the risk of ioss from future terrorist attacks. That Program was extended by the federal government under the Terrorism Risk Insurance Program Reauthorization Act of 2007 and will not expire until December 31 2014. Your policy will become effective or will be renewed with the coverage provided under the new act and you have elected to purchase terrorism coverage. This Notice is being provided to you for the purpose of summarizing your coverage. The summary is a brief synopsis of significant exclusionary provisions and limitations. This Notice does not form a part of your insurance contract. The Notice is designed to alert you 1o coverage restrictions and to other provisions in certain terrorism endorsements in this policy. If there is any conflict between this Notice and the policy including its endorsements the provisions of the policy including its endorsements apply. Carefully read your policy including the endorsements attached to your policy. YOUR POLICY AT THE START OF YOUR NEW POLICY TERM CG 2170 The coverage for certified acts of terrorism is subject to the statutory 100 billion cap on liability for losses and subject to the nuciear hazard exclusion and all other underlying policy exclusions. Coverage for acts of terrorism that are not certified for example acts which do not exceed the dollar threshold for federal certification or acts which occur outside the jurisdictional boundary of the federal program is not subject to the statutory cap. The coverage for certified acts of terrorism is more fully defined in the endorsement. This coverage is subject to a limit on our liability pursuant to the federal Terrorism Risk Act Program Reauthorization Act of 2007. With respect to certified acts of terrorism and acts of terrorism that are not certified the policy exclusions for example the nuclear hazard and war exclusions and other policy provisions continue to apply. CG 2176 The endorsement excludes punitive damages either directly or indirectly arising out of a certified act of terrorism and for which you are awarded damages. Neither the federal government nor insurance company is obligated to pay punitive damages See the definition of terrorism for purposes of the terrorism exclusion. 401 1135 01 08 nan nan nan nan 11.0 | 2 |
LHK 9545621 00 2208301 THIS ENDORSEMENT IS. TACHED TO AND MADE PART Or YOUR POLICY iN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT AS AMENDED. THIS ENDORSEMENT DOES NOT GRANT ANY COVERACE OR CHANGE THE TERMS AND CONDITICNS OF ANY COVERAGE UNDER THIS POLICY. Policy Number LHK 9545621 00 NOTICE OFFER OF TERRORISM COVERAGE NOTICE DISCLOSURE OF PREMIUM ACCEPTANCE OF COVERAGE Coverage for acts of terrorism as defined in Section 1021 of the Terrorism Risk nsurance Act Act is included in your policy. You are hereby notified that under the Act as amended in 2007 the definition of act of terrorism has changed. The term act of terrorism means 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 aci that is dangerous to human life property or infrastructure to have resulted in damage within the United States or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission and to have been committed by an individual or individuais 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. DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES Under your coverage any losses resulting from certified acts of terrorism may be partially reimbursed by the United States Government under a formula established by the Act as amended. Your policy however may contain other exclusions which might affect your coverage such as an exclusion for nuclear events. Under the formula the United States Government generally reimburses 85 of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. DISCLOSURE OF 100 BILLION CAP The Terrorism Risk Insurance Act as amended contains a 100 billion cap that limits U.S. Government reimbursement as well as insurers liability for losses resulting from certified acts of terrorism when the amount of such losses exceeds 100 billion in any one calendar year. If the aggregate insured losses for all insurers exceed 100 billion your coverage may be reduced. Premium for terrorism if any is stated below DISCLOSURE OF PREMIUM Total Terrorism Premium Fire Following Premium Other than Fire Following Premium 401 1127 0108 nan nan nan nan 10.0 | 2 |
LHK 9545621 00 2208301 THE ONLY SIGNATURES APPLICABLE TO THIS POLICY ARE THOSE REPRESENTING THE COMPANY NAMED ON THE FIRST PAGE OF THE DECLARATIONS. We have caused this policy to be signed by our President and Secretary and countersigned on the declarations page where required by a duly authorized agent of the company. The Hanover Insurance Company 440 Lincoln Street Worcester Massachuseits 01653 Gk Marita Zuraitis President Charles F. Cronin Secretary SIG0001 0605 nan nan nan nan 6.0 | 2 |
Z ZURICH Fraud Warnings Disclosure TO BE ATTACHED TO AND FORM PART OF THE APPLICATION. IF FRAUD WARNINGS ARE INCLUDED IN THE APPLICATION TO WHICH THIS IS ATTACHED THIS DISCLOSURE REPLACES THOSE WARNINGS. Any person who knowingly and with intent to defraud any insurance company or another person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto commits a fraudulent insurance act which is a crime and subjects the person to criminal and civil penalties. Not applicable in AL AR CO DC FL KS KY LA MD ME NJ NM NY OH OK OR PA PR RI TN TX VA VT WA and WV. In Arkansas Louisiana Rhode Island or West Virginia Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. In Alabama Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison or any combination thereof. In Colorado It is unlawful to knowingly provide false incomplete or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment fines denial of insurance and civil damages. Any insurance company or agent of an insurance company who knowingly provides false incomplete or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settliement or award payable from insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies. In District of Columbia Warning It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment andor fines. In addition an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant. In Florida Any person who knowingly and with intent to injure defraud or deceive any insurer files a statement of claim or an application containing any false incomplete or misleading information is guilty of a felony of the third degree. In Kansas Any person who knowingly and with intent to defraud presents causes to be presented or prepares with knowledge or belief that it will be presented to an insurer purported insurer or to or by a broker or any agent thereof any written statement as part of or in support of an application for the issuance of or the rating of an insurance policy for personal or commercial insurance or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false information concerning any fact material thereto or conceals for the purpose of misleading information concerning any fact material thereto commits a fraudulent insurance act and may be subject to criminal andor civil fines or penalties. In Kentucky Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto commits a fraudulent insurance act which is a crime. In Maine Tennessee Virginia or Washington It is a crime to knowingly provide false incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties may include imprisonment fines or a denial of insurance benefits. U GU1147 A 0114 Page 1 of 2 | 2 |
In Maryland Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison. In New Jersey Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties. In New Mexico ANY PERSON WHO KNOWINGLY PRESENTS A FALSE OR FRAUDULENT CLAIM FOR PAYMENT OF A LOSS OR BENEFIT OR KNOWINGLY PRESENTS FALSE INFORMATION IN AN APPLICATION FOR INSURANCE IS GUILTY OF A CRIME AND MAY BE SUBJECT TO CIVIL FINES AND CRIMINAL PENALTIES. In New York Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto commits a fraudulent insurance act which is a crime and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation. In Ohio Any person who with intent to defraud or knowing that he is facilitating a fraud against an insurer submits an application or files a claim containing a false or deceptive statement is guilty of insurance fraud. In Oklahoma WARNING Any person who knowingly and with intent to injure defraud or deceive any insurer makes any claim for the proceeds of an insurance policy containing any false incomplete or misleading information is guilty of a felony. In Oregon Any person who knowingly and with intent to defraud any insurer or other person files an application for insurance or statement of claim containing any materially false information upon which an insurer relies if such information was either material to the risk assumed by the insurer or the misinformation was provided fraudulently may commit a fraudulent insurance act which may be a crime and may subject the person to criminal and civil penalties. In Pennsylvania Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading information concerning any fact material thereto commits a fraudulent insurance act which is a crime and subjects such person to criminal and civil penalties. In Puerto Rico Any person who has committed fraud as defined in the law shall incur a felony and if convicted shall be sanctioned for each violation by a penalty of a fine of not less than five thousand dollars 5000 nor more than ten thousand dollars 10000 or a penalty of imprisonment for a fixed term of three 3 years or both penalties. If there were aggravating circumstances the fixed penalty thus established may be increased up to a maximum of five 5 years if extenuating circumstances are present it may be reduced to a minimum of two 2 years. In addition to the penalties provided in this chapter any person who as a result of the fraud thus committed is benefited in any way to obtain insurance or in the payment of a loss pursuant to an insurance contract shall be imposed the payment of restitution of the amount of money resulting from the fraud. Every violation shall have a prescription term of 5 five years. In Texas Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison. In Vermont Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state law. The undersigned on behalf of all Insureds acknowledges that discovery of any fraud intentional concealment or misrepresentation of any material fact may render this policy if issued voidable at inception or otherwise cancelled. Applicant Applicant Name and Title Date Applicant Signature U GU1147 A 0114 Page 2 of 2 | 2 |
ZURICH THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE OF PREMIUM RELATING TO DISPOSITION OF TRIA SCHEDULE 1 Premium attributable to risk of loss from certified acts of terrorism through the end of the policy period based on the extension of the Terrorism Risk Insurance Act of 2002 as amended by the Terrorism Risk Insurance Extension Act of 2005 TRIA for lines subject to TRIA and the Terrorism Risk Insurance Program Reauthorization Act of 2007 TRIPRA General Liability Not Applicable Terrorism Exclusion If TRIA terminates the portion of this premium attributable to the remaining part of the policy period as modified by any change shown in 2 of this Schedule applies to the risk of loss from terrorism after the termination of TRIA. 2 Premium change upon termination of TRIA or upon applicability of a Conditional Endorsement No change unless one of the following is completed Return Premium Additional Premium If we notify you of an additional premium charge the additional premium will be due as specified in such notice. Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Disclosure of Premium December 31 2014 unless extended by the federal In accordance with the TRIA we are required to government. provide you with a notice disclosing the portion of C. Possibility of Additional or Return Premium your premium if any attributable to the risk of loss The premium attributable to the risk of loss from from terrorist acts certified under that Act for lines certified acts of terrorism coverage is calculated subject to TRIA. That portion of your premium based on the coverage if any in effect at the attributable is shown in the Schedule of this beginning of your policy for certified acts of endorsement or in the Declarations. terrorism. I your policy contains a Conditional B. Disclosure of Federal Participation in Payment of Endorsement the termination of TRIA or extension Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. The Act currently provides for no insurance industry or United States government participation in terrorism losses that exceed 100 billion in any one calendar year. The federal program established by the Act is scheduled to terminate at the end of Includes copyrighted material of ISO Properties Inc. with its permission. Copyright Zurich American Insurance Company 2013 of the federal program with certain modifications as explained in that endorsement may modify the extent of coverage if any your policy provides for terrorism. If TRIA terminates or the Conditional Endorsement becomes applicable to your policy the return premium if any or additional premium if any shown in 2 of the Schedule will apply. If the level or terms of federal participation change the premium shown in 1 of the Schedule attributable to that part of the policy period extending beyond such a change may not be appropriate and we will notify you of any changes in your premium. U GU692 C CW 0613 Page I of 1 Jeilsial Hidadl L L LVY e R i of the following is completed RIA we are required to disclosing the portion of butable to the risk of loss 1 under that Act for lines ortion of your premium the Schedule of this arations. ticipation in Payment of iment Department of the of terrorism losses insured The federal share equals amount of such insured plicable insurer retention. for no insurance industry rnment participation in d 100 billion in any one l program established by terminate at the end of | 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 10f 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 |
COMMERCIAL INSURANCE Policy Number GLA 5574238 01 Named Insured and Mailing Address KINSETH HOTEL CORPORATION INC SEE NAMED INSURED ENDT 2 QUAIL CREEK CIR NORTH LIBERTY IA 52317 9571 Z ZURICH COMMON POLICY DECLARATIONS Renewal of Number GLA 5574238 00 Producer and Mailing Address LOCKTON COMPANIES LLC 444 W 47TH ST STE 900 KANSAS CITY MO 64112 1906 Producer Code 37385 000 Policy Period Coverage begins 05 17 2014 at1201 AM. Coverageends 05 17 2015 at 1201 AM. The name insured is Individual Partnership X Corporation Other This insurance is provided by one or more of the stock insurance companies which are members of the Zurich American Insurance Group. The company that provides coverage is designated on each Coverage Part Common Declarations. The company o companies providing this insurance may be referred to in this policy as The Company we us or our. The address of the companies of the Zurich American Insurance Group are provided on the next page. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGES GENERAL LIABILITY COVERAGE PREMIUM 288350.00 issued by ZURICH AMERICAN INSURANCE COMPANY BUSINESS AUTOMOBILE PREMIUM 65801.00 issued by ZURICH AMERICAN INSURANCE COMPANY THIS PREMIUM MAY BE SUBJECT TO AUDIT. TOTAL 354151.00 This premium does not include Taxes and Surcharges. SEE INSTALLMENT SCHEDULE Taxes and Surcharges TOTAL The Forms and Endorsements made a part of this policy at the time of issue are listed on the SCHEDULE of FORMS and ENDORSEMENTS. Countersigned this day of Authorized Representative THESE DECLARATIONS TOGETHER WITH THE COMMON POLICY CONDITIONS COVERAGE PART DECLARATIONS COVERAGE PART FORMS FORMS AND ENDORSEMENTS IF ANY ISSUED TO FORM A PART THEREOF COMPLETE THE ABOVE NUMBERED POLICY. UGU D310 A 0193 Page 1 of 1 GENERAL LIABILITY COVERAGE PREMIUM 288350.00 issued by ZURICH AMERICAN INSURANCE COMPANY BUSINESS AUTOMOBILE PREMIUM 65801.00 issued by ZURICH AMERICAN INSURANCE COMPANY | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 COMMON POLICY FORMS AND ENDORSEMENTS U GU1147 A 01 14 FRAUD WARNINGS DISCLOSURE NOTICE U GU692 C CW 06 13 DISCL OF PREM. RELATING TO DISP. OF TRIA U GU D310 A 01 93 COMMON POLICY DECLARATIONS cw 10 02 SCHEDULE OF FORMS AND ENDORSEMENTS 01 09 IMPORTANT NOTICE IN WITNESS CLAUSE cw 10 02 SCHEDULE OF NAMED INSURED S 07 94 INSTALLMENT PREMIUM SCHEDULE cw 10 02 SCHEDULE OF LOCATIONS 11 98 COMMON POLICY CONDITIONS 09 08 NUCLEAR ENERGY LIABILITY EXCLUSION ENDT 09 08 NORTH DAKOTA CHANGES CANC NONRENL 09 08 IOWA CHANGES CANC NONRENL 09 08 CALCULATION OF PREMIUM U GU1177 A MN 09 13 MN CIVIL MARRIAGE POLICYHOLDER NOTICE GENERAL LIABILITY FORMS AND ENDORSEMENTS U GL D1115 B CW 09 04 COMMERCIAL GL COVERAGE PART DECLARATIONS U GL1113 A CW 10 02 COMM GENERAL LIABILITY COVERAGE SCHEDULE U GL D1036 B CW 09 04 LIQUOR LIABILITY COVERAGE PART DEC U GL505 A 01 93 LIQUOR LIABILITY COVERAGE PART SCHEDULE CG 24 07 01 96 PROD COMPLETED OPERATIONS HAZARD REDEFIN U GL1352 B CW 04 13 GL SUPPLEMENTAL COVERAGE ENDT QUICK REF CG 21 35 10 01 EXCL COV C MEDICAL PAYMENTS U GL1345 B CW 04 13 GL SUPPLEMENTAL COVERAGE ENDORSEMENT CG 21 47 12 07 EMPLOYMENT RELATED PRACTICES EXCLUSION CG 25 04 05 09 DESIGNATED LOCATIONS GENERAL AGGREGATE U GL915 C CwW 08 04 FELLOW EMPLOYEE COVERAGE ENDORSEMENT U GL D851 B CW 09 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV U GL852 A CW 07 96 EMPL BENEFITS LIAB OCCURRENCE DED ENDT CG 31 22 09 02 ILLINOIS CHANGES LIQUOR LIABILITY CG 31 64 12 07 IOWA CHANGES LIQUOR LIABILITY U GL1517 B CW 04 13 RECORD OR DISTRB OF MATRL OR INFO EXCL U GL851 B CW 06 04 EMPLOYEE BENEFITS LIAB OCCURRENCE COV CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COV FORM CG 00 33 04 13 LIQUOR LIABILITY COV FORM OCCURRENCE UGL1171ACW 07 03 FUNGI OR BACTERIA EXCLUSION U GL1178ACW 07 03 ASBESTOS EXCLUSION ENDORSEMENT CG 21 73 01 08 EXCLUSION OF CERTIFIED ACTS OF TERRORISM CG 22 45 04 13 EXCL SPEC THERAPEUTIC OR COSMETIC SERV AUTOMOBILE FORMS AND ENDORSEMENTS U CA D600 C 04 14 BUSINESS AUTO DECLARATIONS U CA424 F CW 04 14 COVERAGE EXTENSION ENDORSEMENT U CA411 E CW 02 14 PREMIUM AND REPORTS AGREEMENT COMPOSITE U CA548 A CW 10 06 SCHEDULE OF AUTO PHYSICAL DAMAGE DEDUCTI CA 23 84 10 13 EXCLUSION OF TERRORISM CA 23 86 10 13 EXCLUSION OF TERRORISM MIN STAT LIMITS U CA531 B 02 08 NOTICE REGARDING TERRORISM PREMIUM CA 00 01 10 13 BUSINESS AUTO COVERAGE FORM CA 01 38 10 13 MINNESOTA CHANGES CA 01 60 10 13 IOWA CHANGES U GU619 A CW 1002 SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLA 5574238 01 F FORMS AND ENDORSEMENTS ican Insurance Company ON INC Effective Date 05 17 1 1201 A.M. Standard Tin LD JD WARNINGS DISCLOSURE NOTICE L OF PREM. RELATING TO DISP. OF TRIA ION POLICY DECLARATIONS DULE OF FORMS AND ENDORSEMENTS DRTANT NOTICE IN WITNESS CLAUSE DULE OF NAMED INSURED S ALLMENT PREMIUM SCHEDULE DULE OF LOCATIONS ION POLICY CONDITIONS.EAR ENERGY LIABILITY EXCLUSION ENDT H DAKOTA CHANGES CANC NONRENL CHANGESCANC NONRENL ULATION OF PREMIUM IVIL MARRIAGE POLICYHOLDER NOTICE MENTS IERCIAL GL COVERAGE PART DECLARATIONS I GENERAL LIABILITY COVERAGE SCHEDULE JOR LIABILITY COVERAGE PART DEC JOR LIABILITY COVERAGE PART SCHEDULE COMPLETED OPERATIONS HAZARD REDEFIN SUPPLEMENTAL COVERAGE ENDT QUICK REF COV C MEDICAL PAYMENTS SUPPLEMENTAL COVERAGE ENDORSEMENT L.OYMENT RELATED PRACTICES EXCLUSION GNATED LOCATIONS GENERAL AGGREGATE.OW EMPLOYEE COVERAGE ENDORSEMENT LOYEE BENEFITS LIAB OCCURRENCE COV. BENEFITS LIAB OCCURRENCE DED ENDT NOIS CHANGES LIQUOR LIABILITY CHANGES LIQUOR LIABILITY DRD OR DISTRB OF MATRL OR INFO EXCL LOYEE BENEFITS LIAB OCCURRENCE COV IERCIAL GENERAL LIABILITY COV FORM JOR LIABILITY COV FORM OCCURRENCE 5I OR BACTERIA EXCLUSION 1STOS EXCLUSION ENDORSEMENT JUSION OF CERTIFIED ACTS OF TERRORISM SPEC THERAPEUTIC OR COSMETIC SERV NESS AUTO DECLARATIONS RAGE EXTENSION ENDORSEMENT ITUM AND REPORTS AGREEMENT COMPOSITE DULE OF AUTO PHYSICAL DAMAGE DEDUCTI LUSION OF TERRORISM LUSION OF TERRORISM MIN STAT LIMITS CE REGARDING TERRORISM PREMIUM NESS AUTO COVERAGE FORM VESOTA CHANGES A MN | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF FORMS AND ENDORSEMENTS Zurich American Insurance Company Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 MISSOURI CHANGES POLLUTION EXCLUSION MINNESOTA CHANGES CANCELLATION KANSAS CHANGES NE UNINSURED UNDERINSURED MOTORIST COV WI UNINSURED MOTORISTS COVERAGE MISSOURI UNINSURED MOTORISTS COVERAGE IA UM AND UIM COVERAGE MN UM AND UIM COVERAGE ILLINOIS UNINSURED MOTORISTS COVERAGE KS UNINSURED MOTORISTS COVERAGE IL UNDERINSURED MOTORISTS COV MO UNDERINSURED MOTORISTS COVERAGE MN PERSONAL INJURY PROTECTION KANSAS PERSONAL INJURY PROTECTION PUBLIC TRANSPORTATION AUTOS AUTO MEDICAL PAYMENTS COVERAGE WI AUTO MEDICAL PAYMENTS COVERAGE 66 18 22 70 03 04 12 24 30 37 38 04 25 14 02 03 24 U GU619 A CW 1002 SCHEDULE OF FORMS AND ENDOF Zurich American Insurance GLA 5574238 01 F FORMS AND ENDORSEMENTS ican Insurance Company ON INC Effective Date 05 17 1 1201 A.M. Standard Tin L e e e e e e el e NOORNOWWWNHOO N B WNB OIS 00 OB N W ON 1U1 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 10 13 MINNESULA LHANGERS LANCELLALIUN KANSAS CHANGES NE UNINSURED UNDERINSURED MOTORIST COV WI UNINSURED MOTORISTS COVERAGE MISSOURI UNINSURED MOTORISTS COVERAGE IA UM AND UIM COVERAGE MN UM AND UIM COVERAGE ILLINOIS UNINSURED MOTORISTS COVERAGE KS UNINSURED MOTORISTS COVERAGE IL UNDERINSURED MOTORISTS COV MO UNDERINSURED MOTORISTS COVERAGE MN PERSONAL INJURY PROTECTION KANSAS PERSONAL INJURY PROTECTION PUBLIC TRANSPORTATION AUTOS AUTO MEDICAL PAYMENTS COVERAGE WI AUTO MEDICAL PAYMENTS COVERAGE | 2 |
Z ZURICH Important Notice In Witness Clause In return for the payment of premium and subject to the terms of this policy coverage is provided as stated in this policy. IN WITNESS WHEREOF this Company has executed and attested these presents and where required by law has caused this policy to be countersigned by its duly Authorized Representatives. Jany DV lles D ok President Corporate Secretary QUESTIONS ABOUT YOUR INSURANCE Your agent or broker is best equipped to provide information about your insurance. Should you require additional information or assistance in resolving a complaint call or write to the following please have your policy or claim number ready Zurich in North America Customer Inquiry Center 1400 American Lane Schaumburg lllinois 60196 1056 1 800 382 2150 Business Hours 8 am 4 pm CT Email info.sourcezurichna.com 56 4 pm CT U GU319 F 0109 Pagel of 1 | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 NAMED INSURED KINSETH HOTEL CORPORATION INC KINSETH HOTEL CORPORATION KATHI ELDER SETTLE INN SUITES BENNIGAN S CORAL RIDGE MALL BENNIGAN S RI BEST WESTERN FAIRFIELD INN BEST WESTERN SETTLE INN BEST WESTERN BENNIGANS CL CANDLEWOOD SUITES CLARION INN BEEFSTRO MC CLEAR LAKE CORPORATE OFFICE COMFORT INN COMFORT INN SUITES COUNTRY INN SUITES COUNTRY INN ROCKY MOUNT DAYS INN DAYS INN CF FAIRFIELD INN GUEST HOUSE INN HAMPTON INN HAMPTON INN SUITES HAMPTON INN BRANSON HILLS HAMPTON INN DB HAMPTON INN FL HAMPTON INN BEEFSTRO CR HAMPTON INN CB HILTON GARDEN INN HOLIDAY INN SUITES CB HOLIDAY INN SUITES GM HOLIDAY INN SUITES BENNIGANS HOLIDAY INN RI HOLIDAY INN BEEFSTRO CR HOLIDAY INN BEEFSTRO DB HOLIDAY INN GM WICHITA HOLIDAY INN GM WICHITA KINGS POINTE RESPORT WATERPARK MARRIOT COURTYARD BENNIGAN S MARRIOTT COURTYARD OPEN LOT 6 AND LOT G RESIDENCE INN AT VILLAGE GARDENS SETTLE INN SETTLE INN SUITES SLEEP INN SUITES SPRINGHILL STES MARRIOTT CH SUPER 8 SUPERTEL INN TOWER SIOUX CITY LLC DUBUQUE PARTNERS LLC U GU621 A CW 1002 SCHEDULE OF NAMED INSUREDS ZURICH AMERICAN INSURANCE COMPAL LA 5574238 01 tfantive Nata AE 17 127 KINSETH HOTEL CORPORATION INC INSETH HOTEL CORPORATION INC INSETH HOTEL CORPORATION ATHI ELDER ETTLE INN SUITES ENNIGAN S CORAL RIDGE MALL ENNIGAN S RI EST WESTERN FAIRFIELD INN EST WESTERN SETTLE INN EST WESTERN BENNIGANS CL ANDLEWOOD SUITES LARION INN BEEFSTRO MC LEAR LAKE CORPORATE OFFICE OMFORT INN OMFORT INN SUITES OUNTRY INN SUITES OUNTRY INN ROCKY MOUNT AYS INN AYS INN CF AIRFIELD INN UEST HOUSE INN AMPTON INN AMPTON INN SUITES AMPTON INN BRANSON HILLS AMPTON INN DB AMPTON INN FL AMPTON INN BEEFSTRO CR AMPTON INN CB ILTON GARDEN INN OLIDAY INN SUITES CB OLIDAY INN SUITES GM OLIDAY INN SUITES BENNIGANS OLIDAY INN RI OLIDAY INN BEEFSTRO CR OLIDAY INN BEEFSTRO DB OLIDAY INN GM WICHITA OLIDAY INN GM WICHITA INGS POINTE RESPORT WATERPARK ARRIOT COURTYARD BENNIGAN S ARRIOTT COURTYARD PEN LOT 6 AND LOT G ESIDENCE INN AT VILLAGE GARDENS ETTLE INN ETTLE INN SUITES LEEP INN SUITES PRINGHILL STES MARRIOTT CH UPER 8 UPERTEL INN OWER SIOUX CITY LLC UBUQUE PARTNERS LLC | 2 |
INSTALLMENT PREMIUM SCHEDULE The total premium shown in the Declarations of this policy is made payable in installments on the dates and in the amount shown below. NAMED INSURED POLICY NUMBER KINSETH HOTEL CORPORATION INC GLA 5574238 01 PAYMENT STANDARD PREMIUM Failure to pay the Installment Premium by the Date Due shown shall constitute non payment of premium for which we may cancel this policy. U GU406 A 0794 PAGE 1 OF 1 YMENT E 51714 51714 11714 51714 1714 1714 11714 21714 11715 21715 DTAL STANDARD PREMIUM 35416. 35415 35415 35415 35415 35415 35415 35415 35415 35415 354151. 00 00 00 00 00 00 00 00 00 00 00 P R R TOTAL PREMIUM 35416. 35415 35415 35415 35415 35415 35415 35415 35415 35415 354151 00 00 00 00 00 00 00 00 00 00 00 35416. 35415 35415 35415 35415 35415 35415 35415 35415 35415 354151. 00 00 00 00 00 00 00 00 00 00 00 P R R 35416. 35415 35415 35415 35415 35415 35415 35415 35415 35415 354151 00 00 00 00 00 00 00 00 00 00 00 | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Occupancy 05 S CREEKVIEW DR ANKENY IA 50021 5924 UNIVERSITY ICEDAR FALLS IA 50613 2101 4TH ST SW ASON CITY IA 2101 4TH ST SW ASON CITY 808 HIGHWAY ICLEAR LAKE 2023 7TH AVE CLEAR LAKE IA 2023 7TH AVE CLEAR LAKE IA 50428 4800 MERLE HAY RD URBANDALE IA 50322 970 25TH AVE ICORALVILLE IA 52241 1201 W 94TH ST BLOOMINGTON MN 55431 226 17TH ST ROCK ISLAND IL 61201 226 17TH ST ROCK ISLAND IL 61201 410 S 3RD ST ANHATTAN KS 66502 U GU618 A CW 1002 GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company ION INC ARENTY 1A OUUZL 24 UNIVERSITY.DAR FALLS IA 50613 01 4TH ST SW SON CITY IA 50401 01 4TH ST SW SON CITY IA 50401 8 HIGHWAY 18 EAST EAR LAKE IA 50428 23 7TH AVE EAR LAKE IA 50428 23 7TH AVE EAR LAKE IA 50428 300 MERLE HAY RD BANDALE IA 50322 0 25TH AVE RALVILLE IA 52241 01 W 94TH ST OOMINGTON MN 55431 6 17TH ST CK ISLAND IL 61201 6 17TH ST CK ISLAND IL 61201 0 S 3RD ST NHATTAN KS 66502 | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Occupancy 04 RIVER RD ICOUNCIL BLUFFS IA 51501 549 S ROCK RD ICHITA KS 67207 1190 S MAIN ST ISAINT CHARLES MO 63301 8787 REEDER RD IOVERLAND PARK KS 66214 3301 LEMONE INDUSTRIAL BL ICOLUMBIA MO 65201 1220 FIRST AVE ICORALVILLE IA 52241 2702 MID AMERICA DRIVE ICOUNCIL BLUFFS IA 51501 300 COLORADO ST ANHATTAN KS 66502 9100 ATLANTIC DR SW ICEDAR RAPIDS IA 52404 416 W FOX FARM RD ICHEYENNE WY 82007 2633 WASHINGTON ST IGRAFTON WI 53024 1975 S 18TH AVE EST BEND WI 53095 3434 DODGE ST DUBUQUE IA 52003 U GU618 A CW 1002 GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company ION INC JUNLLL pBLUrES 1A O010UL L9 S ROCK RD CHITA KS 67207 90 S MAIN ST INT CHARLES MO 63301 87 REEDER RD ERLAND PARK KS 66214 01 LEMONE INDUSTRIAL BL LUMBIA MO 65201 20 FIRST AVE RALVILLE IA 52241 02 MID AMERICA DRIVE UNCIL BLUFFS IA 51501 0 COLORADO ST NHATTAN KS 66502 00 ATLANTIC DR SW.DAR RAPIDS IA 52404 6 W FOX FARM RD IEYENNE WY 82007 33 WASHINGTON ST AFTON WI 53024 75 S 18TH AVE ST BEND WI 53095 134 DODGE ST JBUQUE IA 52003 | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Occupancy DEMING WAY IDDLETON WI 53562 55 DUNN RD FLORISSANT MO 63031 7343 HUSKER CIRCLE LINCOLN NE 68504 2200 W BURLINGTON AVE FPAIRFIELD IA 52556 17879 CHICAGO STREET IOMAHA NE 68118 5865 BOBOLI LANE LINCOLN NE 68516 450 MAIN ST DUBUQUE IA 52001 2202 RIVER RD ICOUNCIL BLUFFS IA 51501 4600 SOUTH 6TH ST ILWAUKEE WI 53221 312 HARMON AVE ISTANTON ND 58571 672 ENGLISH RD ROCKY MOUNT NC 27804 808 HIGHWAY 18 CLEAR LAKE IA 50428 2 QUAIL CREEK CIRCLE ORTH LIBERTY IA 52317 U GU618 A CW 1002 GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company ION INC LDULELOUN WL 035002 DUNN RD ORISSANT MO 63031 43 HUSKER CIRCLE NCOLN NE 68504 00 W BURLINGTON AVE IRFIELD IA 52556 879 CHICAGO STREET IAHA NE 68118 65 BOBOLI LANE NCOLN NE 68516 0 MAIN ST JBUQUE IA 52001 02 RIVER RD UNCIL BLUFFS IA 51501 00 SOUTH 6TH ST LWAUKEE WI 53221 2 HARMON AVE ANTON ND 58571 2 ENGLISH RD CKY MOUNT NC 27804 8 HIGHWAY 18 EAR LAKE IA 50428 QUATIL CREEK CIRCLE RTH LIBERTY IA 52317 | 2 |
Policy Number GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC AgentNo. 37385 000 Designated Locations Occupancy HISTORIC ISIOUX CITY IA 51101 5170 N WINGATE DR DECATUR IL 62526 4016 FREDERICK AVE ISAINT JOSEPH MO 64506 1561 DORSET LANE HWY 65 EW RICHMOND WI 54017 1001 25TH AVE 5 LOT G ICORALVILLE IA 52241 U GU618 A CW 1002 GLA 5574238 01 SCHEDULE OF LOCATIONS Zurich American Insurance Company ION INC OUA Llly 1A ollUL 70 N WINGATE DR.CATUR IL 62526 16 FREDERICK AVE INT JOSEPH MO 64506 61 DORSET LANE Y 65 W RICHMOND WI 54017 01 25TH AVE 5 T G RALVILLE IA 52241 | 2 |
IL 00 17 11 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. D. Cancellation 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or de livering to us advance written notice of cancel lation. 2. We may cancel this policy by mailing or deliv ering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancel lation if we cancel for nonpayment of pre mium or b. 30 days before the effective date of cancel lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the firs Named Insured cancels the refund may be les than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be suf ficient proof of notice. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time E. b. Give you reports on the conditions we find and Recommend changes. 2. We are not obligated to make any inspections surveys reports or recommendations and any such actions we do undertake relate only to in surability and the premiums to be charged. We do not make safety inspections. We do not un dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not war rant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but a to any rating advisory rate service or similar organization which makes in surance inspections surveys reports or recom mendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommen dations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or ele vators. Premiums The first Named Insured shown in the Declarations 1. Is responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa tive. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. Pagelof1 O IL 00 17 11 98 Copyright Insurance Services Office Inc. 1998 | 2 |
IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY. The insurance does not apply A. Under any Liability Coverage to bodily injury C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous or property damage 1 With respect to which an insured under the policy is also an insured under a nu clear energy liability policy issued by Nu clear Energy Liability Insurance Association properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom Mutual Atomic Energy Liability Underwrit 2 The nuclear material is contained in spent ers Nuclear Insurance Association of Can fuel or waste at any time possessed han ada or any of their successors or would be dled used processed stored transported an insured under any such policy but for its or disposed of by or on behalf of an in termination upon exhaustion of its limit of li sured or ability or 3 The bodily injury or property damage 2 Resulting from the hazardous properties arises out of the furnishing by an insured of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. by the United States of America or any 2 agency thereof with any person or organi zation. B. Under any Medical Payments coverage to expenses incurred with respect to bodily in jury resulting from the hazardous properties of nuclear material and arising out of the op eration of a nuclear facility by any person or organization.. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 The nuclear material is contained in spent fuel or waste at any time possessed han dled used processed stored transported or disposed of by or on behalf of an in sured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or by product material. 3 IL 00 21 09 08 ISO Properties Inc. 2007 Page 10f 2 m | 2 |
Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste c d Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties Inc. 2007 IL 00 21 09 08 o | 2 |
IL 02 34 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NORTH DAKOTA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common 3 The insured s actions that have sub Policy Condition are replaced by Paragraphs 2. stantially increased or substantially and 3. below except to the extent that Item B. of changed the risk insured this endorsement applies. 2. Policies In Effect a. For Less Than 90 Days If this policy has been in effect for less than 90 days we may cancel the policy for any reason by mailing to the first Named In sured and agent if any written notice of cancellation at least 1 10 days before the effective date of can cellation or 2 Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement.. For 90 Days Or More Or Policies With Terms Longer Than One Year Or Continuous Policies If this policy has been in effect for 90 days or more is a renewal of a policy we issued is a policy issued for a term longer than one year or is a continuous policy we may can cel the policy only for one or more of the following reasons 1 Nonpayment of premiums 2 Misrepresentation or fraud made by the insured or with the insured s knowl edge in obtaining the policy or in pursu ing a claim under the policy 4 The insured s refusal to eliminate known conditions that increase the po tential for loss after our notification that the condition must be removed Substantial change in the risk assumed except to the extent that we should rea sonably have foreseen the change or contemplated the risk in writing the con tract 6 Loss of reinsurance which provided us with coverage for a significant amount of the underlying risk insured 7 A determination by the insurance com missioner that the continuation of the policy could place us in violation of North Dakota insurance laws Nonpayment of dues to an association or organization other than an insurance association or organization where pay ment of dues is a prerequisite to obtain ing or continuing such insurance. Can cellation for this reason does not apply to persons who are retired at 62 years of age or older or to any person who is disabled according to social security standards 5 IL 02 34 09 08 ISO Properties Inc. 2007 Page 10f 2 m | 2 |
9 A violation of any local fire health safety building or construction regula tion or ordinance with respect to Cov ered Property or the occupancy thereof which substantially increases any hazard insured against or 10 Certain conditions exist as stated in Paragraph B. of this endorsement. We will mail written notice of cancellation to the first Named Insured and agent if any at least a Five days before the effective date of cancellation for any condition stated in Paragraph B. of this endorsement b 10 days before the effective date of can cellation for nonpayment of premium or 30 days before the effective date of can cellation for any reason stated in Para graphs 2.b.2 through 9 above. However for policies with terms longer than one year or continuous policies notice of can cellation will be mailed at least 30 days prior to any anniversary date for any reason stated in Paragraphs 2.b.1 through 9 above. If we cancel for a reason listed in Paragraphs 2.b.1 through 9 above the notice of cancel lation will state our reasons for cancellation. 3. We will mail our notice by first class mail to the first Named Insured and agent if any at the last mailing address known to us.. We may also cancel the policy if one or more of the following conditions exist 1. Buildings with at least 65 of the rental units in the building unoccupied. 2. Buildings that have been damaged by a cov ered cause of loss and the insured has stated or such time has elapsed as clearly indicates that the damage will not be repaired. 3. Buildings to which following a fire permanent repairs have not commenced within 60 days fol lowing satisfactory adjustment of loss. 4. Buildings that have been unoccupied 60 or more consecutive days except buildings that have a seasonal occupancy and buildings ac tually in the course of construction or repair and reconstruction which are properly secured against unauthorized entry. 5. Buildings that are in danger of collapse be cause of serious structural conditions or those buildings subject to extremely hazardous con ditions not contemplated in filed rating plans such as those buildings that are in a state of disrepair as to be dilapidated. c 6. Buildings on which because of their physical condition there is an outstanding order to va cate or an outstanding demolition order or which have been declared unsafe in accor dance with applicable law. 7. Buildings from which fixed and salvageable items have been or are being removed and the insured can give no reasonable explanation for the removal. 8. Buildings on which there is reasonable knowl edge and belief that the property is endangered and is not reasonably protected from possible arson for the purpose of defrauding an insurer. 9. Buildings with any of the following conditions a. Failure to furnish heat water sewer service or public lighting for 30 consecutive days or more. b. Failure to correct conditions dangerous to life health or safety. c. Failure to maintain the building in accor dance with applicable law. d. Failure to pay property taxes for more than one year. 10. Buildings that have characteristics of owner ship condition occupancy or maintenance which are violative of law or public policy. C. The following is added and supersedes any provi sion to the contrary NONRENEWAL 1. If we elect not to renew this policy we will mail to the last known address of the first Named Insured shown in the Declarations and agent if any a notice of intention not to renew at least a. 60 days prior to the expiration date of the policy except as provided in Paragraph b. or b. 90 days prior to the expiration date of the policy when the policy provides profes sional liability coverage for legal and medi cal services. The notice of nonrenewal will state our reason for nonrenewal. 2. We will mail our notice by first class mail to the first Named Insured and agent if any at the last mailing address known to us. 3. We need not mail or deliver this notice if you have a. Insured elsewhere b. Accepted replacement coverage or c. Requested or agreed to nonrenewal. Page 2 of 2 ISO Properties Inc. 2007 IL 0234 09 08 o | 2 |
IL 02 76 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IOWA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. The Cancellation Common Policy Condition is replaced by the following CANCELLATION 1. The first Named Insured shown in the Declara tions may cancel this policy by mailing or deliv ering to us advance written notice of cancella tion.. Cancellation Requirements a. We may cancel this policy by mailing or. If this policy has been in effect for 60 days or more or is a renewal of a policy we is sued we may cancel only for one or more of the following reasons 1 Nonpayment of premium 2 Misrepresentation or fraud made by or with your knowledge in obtaining the policy when renewing the policy or in presenting a claim under the policy delivering to the first Named Insured and 3 Ams or omissionsby you that SEbs any loss payee written notice of cancellation tlalydfzhange or increase the risk in at least sured 1 30 days before the effective date of 4 Determmvatlonbythe Commlsgloner that cancellation if we cancel due to loss of the continuation of the policy would reinsurance coverage jeopardize our solvency or would place. us in violation of the insurance laws of 2 10 days before the effective date of this or any other state cancellation if we cancel for any other.. 5 You have acted in a manner which you reason. b. If this policy is a new policy and has been in effect for less than 60 days we may cancel for 1 Loss of reinsurance subject to d. below or 2 Any other reason. knew or should have known was in vio lation or breach of a policy term or con dition or 6 Loss of reinsurance subject to d. below.. We may cancel due to loss of reinsurance which provides coverage to us for a signifi ca nt portion of the underlying risk insured but only if the Commissioner determines that such cancellation is justified. IL 02 76 09 08 ISO Properties Inc. 2007 Page 10f 2 m | 2 |
. We will mail or deliver our notice to the first Named Insured s and any loss payee s last mailing address known to us.. Notice of cancellation will state a. The reason for cancellation and b. The effective date of cancellation. The policy period will end on that date.. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund.. If notice is mailed a post office department certificate of mailing is proof of receipt of no tice. However if cancellation is for nonpayment of premium a certificate of mailing is not re quired. B. The following is added and supersedes any other provision to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal to the first Named Insured and any loss payee at least 45 days before the expiration date of this policy except if a. We have offered to issue a renewal policy or b. You have failed to pay a premium due or any advance premium required by us for renewal.. If notice is mailed a post office department certificate of mailing is proof of receipt of no tice. Page 2 of 2 ISO Properties Inc. 2007 IL 0276 09 08 o | 2 |
IL 00 03 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART The following is added The premium shown in the Declarations was com puted based on rates in effect at the time the policy was issued. On each renewal continuation or anni versary of the effective date of this policy we will compute the premium in accordance with our rates and rules then in effect. IL 00 03 09 08 ISO Properties Inc. 2007 Page 10f 1 m | 2 |
Z ZURICH Hlinois Civil Union Act Policyholder Notice On June 1 2011 Public Act 96 1513 the Religious Freedom Protection and Civil Union Act the Act became effective. Under the Act both same sex and opposite sex couples may enter into a civil union. A party to a civil union is entitled to the same legal obligations responsibilities protections and benefits as are afforded or recognized by the law of lllinois a spouse whether they derive from statute administrative rule common law or any other source of civil or criminal law. A marriage between persons of the same sex a civil union or a substantially similar legal relationship other than common law marriage legally entered into in another jurisdiction shall be legally recognized in lllinois as a civil union. CAUTION FEDERAL LAW RIGHTS MAY OR MAY NOT BE AVAILABLE llinois law grants parties to a civil union the same benefits protections and responsibilities that flow from marriage under state law. However some or all of the benefits protections and responsibilities related to health insurance that are available to married persons under federal law may not be available to parties to a civil union. For example the Employee Retirement Income Security Act of 1974 a federal law known as ERISA controls the employer employee relationship with regard to determining eligibility for enrollment in private employer health benefit plans. Because of ERISA Act 91 does not state requirements pertaining to a private employer s enrollment of a party to a civil union in an ERISA employee welfare benefit plan. However governmental employers not federal government are required to provide health benefits to the dependents of a party to a civil union if the public employer provides health benefits to the dependents of married persons. Federal law also controls group health insurance continuation rights under COBRA for employers with 20 or more employees as well as the Internal Revenue Code treatment of health insurance premiums. As a result parties to a civil union and their families may or may not have access to certain benefits under this policy contract certificate rider or endorsement that derive from federal law. You are advised to seek expert advice to determine your rights. U GU1110 B IL 1011 Page Lof | 2 |
Z ZURICH Minnesota Civil Marriage Policyholder Notice On August 1 2013 Minnesota s Civil Marriage law became effective. The Act eliminates the prohibition on same gender marriage. Also persons previously legally married in other states are considered legally married for insurance purposes in Minnesota. The Act further provides that all laws of Minnesota applicable to marriage or married spouses or the children of married spouses whether derived from statutes administrative rules or regulations court rules governmental policies common law court decisions or any other provisions or sources of law including in equity shall apply equally to same gender and different gender married couples and their children. Parties to a marriage shall be included in any definition or use of terms such as dependent family husband wife widow widower immediate family next of kin spouse stepparent tenants by the entirety and other terms whether or not gender specific that denote a spousal or familial relationship. Insurers filing new forms may not limit policy coverage to opposite sex spouses. To the extent that a property and casualty policy provides a rating or liability benefit because two residents in the same household are married that benefit must be afforded regardless of the sex of the spouse. U GU1177 A MN 0913 Page I of 1 | 2 |
COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number GLA 5574238 01 ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Policy Period Coverage begins 05 17 2014 at1201AM. Coverageends 05 17 2015 at1201 AM. Producer Name LOCKTON COMPANIES LLC Producer No. 37385 000 Item 1. Business Description Item 2. Limits of Insurance GENERAL AGGREGATE LIMIT 2000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 1000000 Any one premises MEDICAL EXPENSE LIMIT NOT COVERED Any one person PERSONAL AND ADVERTISING INJURY LIMIT 1000000 Any one person or organization Item 3. Retroactive Date CG 00 02 ONLY This insurance does not apply to bodily injury property damage or personal and advertising injury offense which occurs before the Retroactive Date if any shown here NONE Enter Date or None if no Retroactive Date applies Item 4. Form of Business and Location Premises Form of Business CORPORATION Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 5. Schedule of Forms and Endorsements Forms and Endorsements made a part of this Policy at time of issue See Schedule of Forms and Endorsements Item 6. Premiums Coverage Part Premium 288350.00 Other Premium Total Premi 50.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number GLA 5574238 01 ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Policy Period Coverage begins 05 17 2014 at1201AM. Coverageends 05 17 2015 at1201 AM. ENERAL AGGREGATE LIMIT ENERAL AGGREGATE LIMIT 2000000 RODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 ACH OCCURRENCE LIMIT DAMAGE TO PREMISES RENTED TO YOU LIMIT MEDICAL EXPENSE LIMIT ERSONAL AND ADVERTISING INJURY LIMIT 1000000 1000000 Any one premises NOT COVERED Any one person 1000000 Any one person or organization 1000000 Any one premises NOT COVERED Any one person 1000000 Any one person or organization UGLD1115B CW 904 | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 001001 Exposure 675000 Premium lassification 2.005 s ESTAURANTS WITH SALE OF ALCOHOLIC EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS ITH TABLE SERVICE 1353.00 Products Completed Operations Rate Premium 65.00 Premium Basis 45190 GROSS SALES NEAREST THOUSAND Premises Operations Location 001001 Exposure 2700000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES 3.543 9566.00 Products Completed Operations Rate Premium Premises Operations Exposure 75000 Rate Premium TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Code No. Premium Basis 45192 IGROSS SALES NEAREST THOUSAND 1.290 97.00 Products Com pleted Operations Rate Premium Premises Operations Location 002001 Exposure 600000 Rate Premium lassification OTELS AND MOTELS WITHOUT POOLS OR EACHES LESS THAN FOUR STORIES U GL1113 A CW 1002 2.670 1602.00 Products Completed Operations Rate Premium COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 S LAURANTS WITH SALE OF ALCOHOLLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES TELS AND MOTELS WITHOUT POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 004001 Exposure 475000 Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 2.005 952.00 EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 46.00 Premium Basis Promises Onorat 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 004001 Exposure 1400000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES 3.543 4960.00 Products Completed Operations Rate Premium Premises Operations Exposure 75000 Rate Premium TAVERNS HOTELS MOTELS 1.290 8 97.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 005002 Exposure 1350000 Rate Premium lassification 2.005 2707.00 ESTAURANTS WITH SALE OF ALCOHOLIC EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 130.00 U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 S LAURANTS WITH SALE OF ALCOHOLLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 005002 Exposure 1800000 Premium lassification OTELS AND MOTELS WITH POOLS OR 2.293 4127.00 EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium Premium Basis Promises O I 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 005002 Exposure 150000 Rate Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 1290 194.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Premises Operations Exposure 2150000 Rate Premium 2.005 4311.00 ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 206.00 Code No. Premium Basis Premises O ti 45191 GROSS SALES NEAREST THOUSAND remises Operations Location 006001 Exposure 3200000 Rate Premium lassification 2.293 7338.00 OTELS AND MOTELS WITH POOLS OR EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES FOUR STORIES OR MORE.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES FOUR STORIES OR MORE | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 006001 Exposure 250000 Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 1.290 323.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 013001 Exposure 5100 Rate Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC EVERAGES THAT ARE LESS THAN 30 OF THE 2.005 10.00 Products Completed Operations Rate Premium Premises Operations Location 013001 Exposure 2200000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 2.293 8 5045.00 EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium Premium Basis Promises O 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 017001 Exposure 2400000 Rate Premium lassification 1.141f 2738.00 ESTAURANTS WITH SALE OF ALCOHOLIC EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 444.00 U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 o LAURANTS 1TAVRRNS HOIRLS MOIRLS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES FOUR STORIES OR MORE.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 017001 Exposure 2900000 Premium lassification OTELS AND MOTELS WITH POOLS OR 1.507 4370.00 EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium Premium Basis Promises O I 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 017001 Exposure 400000 Rate Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS R I 548.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Premises Operations Exposure 1300000 Rate Premium 2.393 3111.00 ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 139.00 Code No. Premium Basis Premises O ti 45191 GROSS SALES NEAREST THOUSAND remises Operations Location 018001 Exposure 2400000 Rate Premium lassification 2.467 5921.00 OTELS AND MOTELS WITH POOLS OR EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES FOUR STORIES OR MORE.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES FOUR STORIES OR MORE | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 018001 Exposure 200000 Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 805 161.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 030001 Exposure 1550000 Rate Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC R e 1449.00 EVERAGES THAT ARE LESS THAN 30 OF THE Products Completed Operations Rate Premium 260.00 Premises Operations Location 030001 Exposure 3200000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 1.851 8 5923.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 030001 Exposure 250000 Rate Premium 1.251f 313.00 TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 o LAURANTS 1TAVRRNS HOIRLS MOIRLS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 031001 Exposure 2500000 Premium lassification OTELS AND MOTELS WITH POOLS OR 3.543 8858.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O I 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 032001 Exposure 1450000 Rate Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 789 8 1144.00 EVERAGES THAT ARE LESS THAN 30 OF THE Products Completed Operations Rate Premium 244.00 Premises Operations Location 032001 Exposure 3800000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 1.807 8 6867.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 032001 Exposure 250000 Rate Premium 1.251f 313.00 TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 035001 Exposure 1500000 Premium lassification OTELS AND MOTELS WITH POOLS OR 4.106 6159.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O I 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 036001 Exposure 1250000 Rate Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 789 8 086.00 EVERAGES THAT ARE LESS THAN 30 OF THE Products Completed Operations Rate Premium 210.00 Premises Operations Location 036001 Exposure 3000000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 1.165 8 3495.00 EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium Premium Basis Promises O 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 036001 Exposure 250000 Rate Premium 1.251f 313.00 TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES FOUR STORIES OR MORE.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 037001 Exposure 2100000 Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 2.326 8 4885.00 EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 351.00 Premium Basis Promises Onorat 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 037001 Exposure 3300000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES 4.106 13550.00 Products Completed Operations Rate Premium Premises Operations Exposure 300 000 Rate Premium TAVERNS HOTELS MOTELS 1.562 8 469.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 038001 Exposure 1550000 Rate Premium lassification 2.005 3108.00 ESTAURANTS WITH SALE OF ALCOHOLIC EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 149.00 U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 S LAURANTS WITH SALE OF ALCOHOLLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 038001 Exposure 4500000 Premium lassification OTELS AND MOTELS WITH POOLS OR 3.543 15944.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O I 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 038001 Exposure 200000 Rate Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 1290 258.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Premises Operations Exposure 600 000 Rate Premium 2.005 1203.00 ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 58.00 Code No. Premium Basis Premises O ti 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 040001 Exposure 3000000 Rate Premium lassification 3.543 10629.00 OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 040001 Exposure 150000 Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 1.290 194.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 041001 Exposure 2300000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 1851 4257.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis P. 0 ti IGROSS SALES NEAREST THOUSAND remises Operations Location 045001 Exposure 1500000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 3.543 8 5315.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 046001 Exposure 2000000 Rate Premium lassification 2.880 5760.00 OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 o LAURANTS 1TAVRRNS HOIRLS MOIRLS ICLUDING PACKAGE SALES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 047001 Exposure 1900000 Premium lassification OTELS AND MOTELS WITH POOLS OR 1.765 3354.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O I 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 049001 Exposure 2000000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 1765 3530.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis P. 0 ti IGROSS SALES NEAREST THOUSAND remises Operations Location 051001 Exposure 1600000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 3.543 8 5669.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 052001 Exposure 1600000 Rate Premium lassification 1.666 2666.00 OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 053001 Exposure 2000000 Premium lassification OTELS AND MOTELS WITH POOLS OR 6.578 13156.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O I 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 054001 Exposure 2100000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 3.960 8316.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premises Operations Exposure 400 000 Rate Premium 2.005 802.00 ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 38.00 Code No. Premium Basis Premises O ti 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 057001 Exposure 700000 Rate Premium lassification 3.543 2480.00 OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 057001 Exposure 50 000 Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 1.290 65.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 058001 Exposure 350000 Rate Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 1386 485.00 EVERAGES THAT ARE LESS THAN 30 OF THE Products Completed Operations Rate Premium 35.00 Premises Operations Location 058001 Exposure 2800000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 4.967 8 13908.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 058001 Exposure 50000 Rate Premium 1.243 62.00 TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 o LAURANTS 1TAVRRNS HOIRLS MOIRLS ICLUDING PACKAGE SALES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 059001 Exposure 2200000 Premium lassification OTELS AND MOTELS WITH POOLS OR 3.960 8712.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O I 16910 GROSS SALES NEAREST THOUSAND remises Operations Location 062001 Exposure 850000 Rate Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 2005 1704.00 EVERAGES THAT ARE LESS THAN 30 OF THE Products Completed Operations Rate Premium 82.00 Premises Operations Location 062001 Exposure 2 700000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 2.293 8 6191.00 EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium Premium Basis Promises O 58161 GROSS SALES NEAREST THOUSAND remises Operations Location 062001 Exposure 150000 Rate Premium 1.290f 194.00 TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 IkLs AND MOIELS WILIIH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES FOUR STORIES OR MORE.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 064001 Exposure 275500 Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC 2.005 552.00 EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS ITH TABLE SERVICE Products Completed Operations Rate Premium 26.00 Premium Basis 45190 GROSS SALES NEAREST THOUSAND Premises Operations Location 064001 Exposure 4300000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES 3.543 15235.00 Products Completed Operations Rate Premium Premises Operations Exposure 25500 Rate Premium TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Code No. Premium Basis 45190 IGROSS SALES NEAREST THOUSAND 1.290 33.00 Products Com pleted Operations Rate Premium Premises Operations Location 071001 Exposure 1400000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES U GL1113 A CW 1002 1.989 2785.00 Products Completed Operations Rate Premium COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 S LAURANTS WITH SALE OF ALCOHOLLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name Agent No. 37385 000 LOCKTON COMPANIES LLC Premises Operations Location 072001 Exposure 150000 Premium lassification ESTAURANTS WITH SALE OF ALCOHOLIC EVERAGES THAT ARE LESS THAN 30 OF THE ANNUAL RECEIPTS OF THE RESTAURANTS ITH TABLE SERVICE Premium Basis 45190 IGROSS SALES NEAREST THOUSAND 1.143 171.00 Products Completed Operations Rate Premium Premises 23.00 Operations Location 072001 Exposure 1500000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES 2.108 3162.00 Products Completed Operations Rate Premium Premises Operations Exposure 5000 Rate Premium TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Code No. Premium Basis 45190 IGROSS SALES NEAREST THOUSAND 1.363 Products Com pleted Operations Rate Premium Premises Operations Location 076001 Exposure 1500000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR EACHES LESS THAN FOUR STORIES U GL1113 A CW 1002 1.943 2915.00 Products Com pleted Operations Rate Premium COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 S LAURANTS WITH SALE OF ALCOHOLLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES.STAURANTS TAVERNS HOTELS MOTELS ICLUDING PACKAGE SALES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 SQUARE PEBT NEAREST THOUSAND Premises Operations Location 090001 Exposure 1600 Rate Premium lassification UILDINGS OR PREMISES OFFICE OTHER 52.786 84.00 THAN NOT FOR PROFIT Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 61226 SQUARE FEET NEAREST THOUSAND remises Operations Location 090002 Exposure 8500 Rate Premium lassification 52.786 449.00 Products Completed Operations Rate Premium Premises Operations Exposure 180 000 Rate Premium 2.005 361.00 ANNUAL RECEIPTS OF THE RESTAURANTS Products Completed Operations ITH TABLE SERVICE Rate Premium 17.00 Code No. Premium Basis Premises O ti 45191 GROSS SALES NEAREST THOUSAND remises Operations Location 091001 Exposure 1000000 Rate Premium lassification 2.293 2293.00 OTELS AND MOTELS WITH POOLS OR EACHES FOUR STORIES OR MORE Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 LLDINGS OR PREMISES OFFICE OLHRR IAN NOT FOR PROFIT JILDINGS OR PREMISES OFFICE OTHER IAN NOT FOR PROFIT.STAURANTS WITH SALE OF ALCOHOLIC.VERAGES THAT ARE LESS THAN 30 OF THE INUAL RECEIPTS OF THE RESTAURANTS TH TABLE SERVICE TELS AND MOTELS WITH POOLS OR ACHES FOUR STORIES OR MORE | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 Premises Operations Location 091001 Exposure 30000 Premium lassification ESTAURANTS TAVERNS HOTELS MOTELS 1.290 39.00 INCLUDING PACKAGE SALES Products Completed Operations Rate Premium Code No. Premium Basis Premises O ti 45190 GROSS SALES NEAREST THOUSAND remises Operations Location 092001 Exposure 1500000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 5.268 7902.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis P. 0 ti IGROSS SALES NEAREST THOUSAND remises Operations Location 093001 Exposure 2000000 Rate Premium lassification OTELS AND MOTELS WITH POOLS OR 4.106 8 8212.00 EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium Premium Basis Promises O 45192 GROSS SALES NEAREST THOUSAND remises Operations Location 094001 Exposure 500000 Rate Premium lassification 1.304 s 652.00 OTELS AND MOTELS WITHOUT POOLS OR EACHES LESS THAN FOUR STORIES Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 o LAURANTS 1TAVRRNS HOIRLS MOIRLS ICLUDING PACKAGE SALES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITH POOLS OR ACHES LESS THAN FOUR STORIES TELS AND MOTELS WITHOUT POOLS OR ACHES LESS THAN FOUR STORIES | 2 |
Policy Number GLA 5574238 01 COMMERCIAL GENERAL LIABILITY COVERAGE SCHEDULE ZURICH AMERICAN INSURANCE COMPANY Named Insured KINSETH HOTEL CORPORATION INC Effective Date 05 17 14 1201 A.M. Standard Time Agent Name LOCKTON COMPANIES LLC Agent No. 37385 000 ACRE EACH Premises Operations Location 095001 Exposure 1 Premium lassification 214 s ACANT LAND OTHER THAN NOT FOR PROFIT Products Completed Operations Rate Premium Code No. Premium Basis G4014 Location Exposure Rate Premium Premises Operations lassification L SUPPLEMENTAL COVERAGE ENDORSEMENT 7891.00 Products Completed Operations Rate Premium of Employees Premises Operations Location Exposure 2636 Rate Premium lassification Employee Benefits Liability 865.00 Products Completed Operations Rate Premium Code No. Premium Basis Premises Operations Location Exposure Rate Premium lassification Products Completed Operations Rate Premium U GL1113 A CW 1002 COMMERCIAL GENERAL LIABILITY COVERAGE ZURICH AMERICAN INSURANCE C Named Insured KINSETH HOTEL CORPORATION INC 38 01 AE 17 127 CANT LAND OIHER THAN NOI FOR PROFLT SUPPLEMENTAL COVERAGE ENDORSEMENT ployee Benefits Liability | 2 |
LIQUOR LIABILITY COVERAGE PART DECLARATIONS ZURICH AMERICAN INSURANCE COMPANY Policy Number GLA 5574238 01 Named Insured KINSETH HOTEL CORPORATION INC Policy Period Coverage begins 05 17 14 at1201 AM. Coverage ends 05 17 2015 at1201 AM. Producer Name LOCKTON COMPANIES LLC Producer No. 37385 000 Item 1. Limits of Insurance Aggregate Limit 2000000 Each Common Cause Limit 1000000 Item 2. Retroactive Date CG 00 34 only Section of this insurance does not apply to injury which occurs before the Retroactive Date if any shown here Enter Date or None if no Retroactive Date applies Item 3. Business Description and Location Premises Form of Business CORPORATION Business Description Location of All Premises You Own Rent or Occupy See Schedule of Locations Item 4. Premium Code No. Premium Basis Premises Operations Location Exposure Rate Premium Classification Products Completed Operations See Commercial General Liability Coverage Schedule Rate Premium Item 5. Schedule of Forms and Endorsements Forms and Endorsements made a part of this Policy at time of issue See Schedule of Forms and Endorsements LIQUOR LIABILITY COVERAGE PART DECLARATIONS ZURICH AMERICAN INSURANCE COMPANY Policy Number GLA 5574238 01 Named Insured KINSETH HOTEL CORPORATION INC Policy Period Coverage begins 05 17 14 at1201 AM. Coverage ends 05 17 2015 at1201 AM. ORPORATION usiness Description ee Commercial General Liability Coverage Schedule UGLD1036BCW 904 | 2 |
LIQUOR LIABILITY COVERAGE PART SCHEDULE Insurance for this coverage part provided by ZURICH AMERICAN INSURANCE COMPANY Prem. Bldg. Class No. No. Code 001 001 58161 75000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 97 o Vo S Exposure Promium Bace 004 001 58161 75000 PER 1000 OF GROSS SALES ESTAURANTS TAVERNS LS MOTELS INCLUDING PACKAGE SALES Class Description Premium 97 Prem. Bldg. Class No. No. Code 005 002 58161 150000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 194 Prem. Bldg. Class No. No. Code 006 001 58161 250000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 323 U GL505 A 0193 Page 1 See next page oALBS oALBS | 2 |
LIQUOR LIABILITY COVERAGE PART SCHEDULE Insurance for this coverage part provided by ZURICH AMERICAN INSURANCE COMPANY Prem. Bldg. Class No. No. Code 017 001 58161 400000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 548 o Vo S Exposure Promium Bace 018 001 58161 200000 PER 1000 OF GROSS SALES ESTAURANTS TAVERNS LS MOTELS INCLUDING PACKAGE SALES Class Description Premium 161 Prem. Bldg. Class No. No. Code 030 001 58161 250000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 313 Prem. Bldg. Class No. No. Code 032 001 58161 250000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 313 U GL505 A 0193 Page 2 See next page oALBS oALBS | 2 |
LIQUOR LIABILITY COVERAGE PART SCHEDULE Insurance for this coverage part provided by ZURICH AMERICAN INSURANCE COMPANY Prem. Bldg. Class No. No. Code 036 001 58161 250000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 313 o Vo S Exposure Promium Bace 037 001 58161 300000 PER 1000 OF GROSS SALES ESTAURANTS TAVERNS LS MOTELS INCLUDING PACKAGE SALES Class Description Premium 469 Prem. Bldg. Class No. No. Code 038 001 58161 200000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 258 Prem. Bldg. Class No. No. Code 040 001 58161 150000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 194 U GL505 A 0193 Page 3 See next page oALBS oALBS | 2 |
LIQUOR LIABILITY COVERAGE PART SCHEDULE Insurance for this coverage part provided by ZURICH AMERICAN INSURANCE COMPANY Prem. Bldg. Class No. No. Code 057 001 58161 50000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 65 o Vo S Exposure Promium Bace 058 001 58161 50000 PER 1000 OF GROSS SALES ESTAURANTS TAVERNS LS MOTELS INCLUDING PACKAGE SALES Class Description Premium 62 Prem. Bldg. Class No. No. Code 062 001 58161 150000 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS HOTELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 194 Prem. Bldg. Class No. No. Code 064 001 58161 25500 PER 1000 OF GROSS SALES Class Description RESTAURANTS TAVERNS ELS MOTELS INCLUDING PACKAGE SALES Exposure Premium Base Premium 33 U GL505 A 0193 Page 4 See next page oALBS oALBS | 2 |
LIQUOR LIABILITY COVERAGE PART SCHEDULE Insurance for this coverage part provided by ZURICH AMERICAN INSURANCE COMPANY Prem. Bldg. Class No. No. Code Exposure Premium Base 072 001 58161 5000 PER 1000 OF GROSS SALES Class Description RESTAURANTS SALES TAVERNS ELS MOTELS INCLUDING PACKAGE Class Code Prem. Bldg. No. No. Exposure Premium Premium Base 091 001 58161 30000 PER 1000 OF GROSS SALES ESTAURANTS SALES Class Description TAVERNS LS MOTELS INCLUDING PACKAGE Prem. Bldg. No. No. Exposure Premium 39 Premium Base Class Description Prem. Bldg. No. No. Exposure Premium Premium Base Class Description Premium U GL505 A 0193 Page 5 Last page oALBS | 2 |
POLICY NUMBER GLA 5574238 01 IBER GLA 5574238 01 COMMERCIAL GENERAL LIABILITY CG 2407 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations RESTAURANT If no entry appears above information required to complete applicable to this endorsement. With respect to bodily injury or property damage arising out of your products manufactured sold han dled or distributed 1. On from or in connection with the use of any premises described in the Schedule or 2. In connection with the conduct of any operation described in the Schedule when conducted by you or onyour behalf this endorsement will be shown in the Declarations as Paragraph a. of the definition of Products completed operations hazard in the DEFINITIONS Section is replaced by the following Products completed operations hazard a. Includes all bodily injury and property dam age that arises out of your products if the bodily injury or property damage occurs after you have relinquished possession of those products. Paragraph a. of the definition of Products completed operations hazard in the DEFINITIONS Section is replaced by the following Products completed operations hazard a. Includes all bodily injury and property dam age that arises out of your products if the bodily injury or property damage occurs after you have relinquished possession of those products. Page Lof 1 CG 240701 96 Copyright Insurance Services Office Inc. 1994 | 2 |
Z ZURICH General Liability Supplemental Coverage Endorsement Quick Reference PAGE FrFAAOTOOOOONNNN DDOD DD XXESCAVWDIOVOZIrXETITOMMODO BROADENED NAMED INSURED NEWLY ACQUIRED OR FORMED ORGANIZATIONS AS NAMED INSUREDS INSURED STATUS EMPLOYEES ADDITIONAL INSUREDS LESSEES OF PREMISES ADDITIONAL INSURED VENDORS ADDITIONAL INSURED MANAGERS LESSORS OR GOVERNMENTAL ENTITY DAMAGE TO PREMISES RENTED OR OCCUPIED BY YOU BROADENED CONTRACTUAL LIABILITY DEFINITION SPECIFIC PERILS LIMITED CONTRACTUAL LIABILITY COVERAGE PERSONAL AND ADVERTISING INJURY SUPPLEMENTARY PAYMENTS BROADENED PROPERTY DAMAGE EXPECTED OR INTENDED INJURY OR DAMAGE DEFINITION BODILY INJURY INSURED STATUS AMATEUR ATHLETIC PARTICIPANTS NON OWNED AIRCRAFT AND WATERCRAFT DEFINITIONS LEASED WORKER TEMPORARY WORKER AND LABOR LEASING FIRM DEFINITION MOBILE EQUIPMENT DEFINITIONS YOUR PRODUCT AND YOUR WORK PRIORITY CONDITION DUTIES IN THE EVENT OF OCCURRENCE OFFENSE CLAIM OR SUIT CONDITION OTHER INSURANCE CONDITION UNINTENTIONAL FAILURE TO DISCLOSE ALL HAZARDS WAIVER OF RIGHT OF SUBROGATION LIBERALIZATION CONDITION UGL13528 CW 0413 Page 1 of 1 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
POLICY NUMBER GLA 5574238 01 POLICY NUMBER GLA 5574238 01 COMMERCIAL GENERAL LIABILITY CG 21351001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION COVERAGE C MEDICAL PAYMENTS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE IDescription And Location Of Premises Or Classification IALL OPERATIONS PER LOCATION SCHEDULE. If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. With respect to any premises or classification shown 2. The following is added to Section I Supple in the Schedule mentary Payments 1. Section I Coverage C Medical Payments h. Expenses incurred by the insured for first does not apply and none of the references to it aid administered to others at the time of an in the Coverage Part apply and accident for bodily injury to which this in surance applies. L. OPERATIONS PER LOCATION SCHEDULE 2. The following is added to Section I Supple mentary Payments h. Expenses incurred by the insured for first aid administered to others at the time of an accident for bodily injury to which this in surance applies. ISO Properties Inc. 2000 Page 10f 1 m CG 21351001 | 2 |
Z ZURICH General Liability Supplemental Coverage Endorsement Policy No. Eff. Date of Pol. Exp. Date of Pol. Eff. Date of End. Producer No. Addl. Prem Return Prem. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the Commercial General Liability Coverage Part The following changes apply to this Coverage Part. However endorsements attached to this Coverage Part will supersede any provisions to the contrary in this General Liability Supplemental Coverage Endorsement. A. Broadened Named Insured 1. The following is added to Section Il Who Is An Insured Any organization of yours other than a partnership or joint venture which is not shown in the Declarations and over which you maintain an ownership interest of more than 50 of such organization as of the effective date of this Coverage Part will qualify as a Named Insured. However such organization will not qualify as a Named Insured under this provision if it a. Is newly acquired or formed during the policy period b. Is also an insured under another policy other than a policy written to apply specifically in excess of this Coverage Part or c. Would be an insured under another policy but for its termination or the exhaustion of its limits of insurance. Each such organization remains qualified as a Named Insured only while you maintain an ownership interest of more than 50 in the organization during the policy period. 2. The last paragraph of Section Il Who Is An Insured does not apply to this provision to the extent that such paragraph would conflict with this provision. B. Newly Acquired or Formed Organizations as Named Insureds 1. Paragraph 3. of Section Il Who Is An Insured is replaced by the following 3. Any organization you newly acquire or form during the policy period other than a partnership or joint venture and over which you maintain an ownership interest of more than 50 of such organization will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 1g0th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. An additional premium will apply in accordance with our rules and rates in effect on the date you acquired or formed the organization. UGL13458 CW 0413 Page 1 0of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
C. 2. The last paragraph of Section Il Who Is An Insured does not apply to this provision to the extent that such paragraph would conflict with this provision. Insured Status Employees Paragraph 2.a.1 of Section Il Who Is An Insured is replaced by the following 2. Each of the following is also an insured Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a Toyou to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above c For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs 1a or b above or d Arising out of his or her providing or failing to provide professional health care services. However Paragraphs 1a and 1d do not apply to your employees or volunteer workers who are not employed by you or volunteering for you as health care professionals for bodily injury arising out of Good Samaritan Acts while the employee or volunteer worker is performing duties related to the conduct of your business. Good Samaritan Acts mean any assistance of a medical nature rendered or provided in an emergency situation for which no remuneration is demanded or received. Paragraphs 1a b and c do not apply to any employee designated as a supervisor or higher in rank with respect to bodily injury to coemployees. As used in this provision employees designated as a supervisor or higher in rank means only employees who are authorized by you to exercise direct or indirect supervision or control over employees or volunteer workers and the manner in which work is performed. D. Additional Insureds Lessees of Premises 1. Section Il Who Is An Insured is amended to include as an additional insured any persons or organizations who leases or rents a part of the premises you own or manage who you are required to add as an additional insured on this policy under a written contract or written agreement but only with respect to liability arising out of your ownership maintenance or repair of that part of the premises which is not reserved for the exclusive use or occupancy of such person or organization or any other tenant or lessee. This provision does not apply after the person or organization ceases to lease or rent premises from you. However the insurance afforded to such additional insured Only applies to the extent permitted by law and b. Will not be broader than that which you are required by the written contract or written agreement to provide for such additional insured. 2. With respect to the insurance afforded to the additional insureds under this endorsement the following is added to Section Il Limits Of Insurance UGL13458 CW 0413 Page 2 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
The most we will pay on behalf of the additional insured is the amount of insurance a. Required by the written contract or written agreement referenced in Subparagraph D.1. above of this endorsement or b. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This Paragraph D. shall not increase the applicable Limits of Insurance shown in the Declarations. E. Additional Insured Vendors 1. 2. The following change applies if this Coverage Part provides insurance to you for bodily injury and property damage included in the products completed operations hazard Section Il Who Is An Insured is amended to include as an additional insured any person or organization referred to throughout this Paragraph E. as vendor who you have agreed in a written contract or written agreement prior to loss to name as an additional insured but only with respect to bodily injury or property damage arising out of your products which are distributed or sold in the regular course of the vendor s business However the insurance afforded to such vendor a. Only applies to the extent permitted by law and b. Will not be broader than that which you are required by the written contract or written agreement to provide for such vendor. With respect to the insurance afforded to these vendors the following additional exclusions apply The insurance afforded the 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 the product made intentionally by the vendor 4 Repackaging except when 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 5 Any failure to make such inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products 6 Demonstration installation servicing or repair operations except such operations performed at the vendor s premises in connection with the sale of the product 7 Products which after distribution or sale by you have been labeled or relabeled or used as a container part or ingredient of any other thing or substance by or for the vendor or 8 Bodily injury or property damage arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However this exclusion does not apply to a The exceptions contained in Subparagraphs 4 or 6 or b Such inspections adjustments tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products. This insurance does not apply to any insured person or organization from whom you have acquired such products or any ingredient part or container entering into accompanying or containing such products. This insurance does not apply to any of your products for which coverage is excluded under this Coverage Part. UGL13458 CW 0413 Page 3 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
With respect to the insurance afforded to the vendor under this endorsement the following is added to Section Il Limits Of Insurance The most we will pay on behalf of the vendor is the amount of insurance a. Required by the written contract or written agreement referenced in Subparagraph E.1. above of this endorsement or b. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This Paragraph E. shall not increase the applicable Limits of Insurance shown in the Declarations. F. Additional Insured Managers Lessors or Governmental Entity 1. Section Il Who Is An Insured is amended to include as an insured any person or organization who is a manager lessor or governmental entity who you are required to add as an additional insured on this policy under a written contract written agreement or permit but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by a. Your acts or omissions or b. The acts or omission of those acting on your behalf and resulting directly from a. Operations performed by you or on your behalf for which the state or political subdivision has issued a permit b. Ownership maintenance occupancy or use of premises by you or c. Maintenance operation or use by you of equipment leased to you by such person or organization. However the insurance afforded to such additional insured a. Only applies to the extent permitted by law and b. Will not be broader than that which you are required by the written contract or written agreement to provide for such additional insured. 2. This provision does not apply 3. a. Unless the written contract or written agreement has been executed or the permit has been issued prior to the bodily injury property damage or offense that caused personal and advertising injury b. To any person or organization included as an insured under Paragraph 3. of Section Il Who Is An Insured c. Toany lessor of equipment if the occurrence or offense takes place after the equipment lease expires d. Toany 1 Owners or other interests from whom land has been leased by you or 2 Managers or lessors of premises if a The occurrence or offense takes place after the expiration of the lease or you cease to be a tenant in that premises b The bodily injury property damage or personal and advertising injury arises out of the structural alterations new construction or demolition operations performed by or on behalf of the manager or lessor or c The premises are excluded under this Coverage Part. With respect to the insurance afforded to the additional insureds under this endorsement the following is added to Section Ill Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance a. Required by the written contract or written agreement referenced in Subparagraph F.1. above of this endorsement or UGL13458 CW 0413 Page 4 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
b. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This Paragraph F. shall not increase the applicable Limits of Insurance shown in the Declarations. G. Damage to Premises Rented or Occupied by You 1. 2. The last paragraph under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following Exclusions c. through n. do not apply to damage by specific perils to premises while rented to you or temporarily occupied by you with permission of the owner. A separate Damage To Premises Rented To You Limit of Insurance applies to this coverage as described in Section Il Limits Of Insurance. Paragraph 6. of Section Ill Limits Of Insurance is replaced by the following 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by one or more specific perils to any one premises while rented to you or temporarily occupied by you with permission of the owner. H. Broadened Contractual Liability The insured contract definition under the Definitions Section is replaced by the following Insured contract means A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by specific perils 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 An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury property damage or personal and advertising injury arising out of the offenses of false arrest detention or imprisonment to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 2 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in Paragraph 1 above and supervisory inspection architectural or engineering activities. I Definition Specific Perils The following definition is added to the Definitions Section Specific perils means a. b. Fire Lightning Explosion UGL13458 CW 0413 Page 5 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Windstorm or hail Smoke Aircraft or vehicles Vandalism se 0 o Weight of snow ice or sleet Leakage from fire extinguishing equipment including sprinklers or Accidental discharge or leakage of water or steam from any part of a system or appliance containing water or steam. J. Limited Contractual Liability Coverage Personal and Advertising Injury 1. Exclusion e. of Section I Coverage B Personal And Advertising Injury Liability is replaced by the following 2. Exclusions This insurance does not apply to e. Contractual Liability Personal and advertising injury for which the insured has assumed 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 2 Liability for personal and advertising injury if a The personal and advertising injury arises out of the offenses of false arrest detention or imprisonment b The liability pertains to your business and is assumed in a written contract or written agreement in which you assume the tort liability of another. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement and c The personal and advertising injury occurs subsequent to the execution of the written contract or written agreement. Solely for purposes of liability so assumed in such written contract or written agreement reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of personal and advertising injury described in Paragraph a above provided i Liability to such party for or for the cost of that party s defense has also been assumed in the same written contract or written agreement and ii 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 insurance applies are alleged. 2. Paragraph 2.d. of Section Supplementary Payments Coverages A and B is replaced by the following d. The allegations in the suit and the information we know about the occurrence or offense are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee 3. The following is added to the paragraph directly following Paragraph 2.f. of Section Supplementary Payments Coverages A and B Notwithstanding the provisions of Paragraph 2.e.2 of Section I Coverage B Personal And Advertising Injury Liability such payments will not be deemed to be damages for personal and advertising injury and will not reduce the limits of insurance. K. Supplementary Payments The following changes apply to Supplementary Payments Coverages A and B Paragraphs 1.b. and 1.d. are replaced by the following UGL13458 CW 0413 Page 6 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
b. Up to 2500 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 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. L. Broadened Property Damage 1. Property Damage to Contents of Premises Rented Short Term The paragraph directly following Paragraph 6 in Exclusion j. of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following Paragraphs 1 3 and 4 of this exclusion do not apply to property damage to premises other than damage by specific perils including property damage to the contents of such premises rented to you under a rental agreement for a period of 14 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. 2. Elevator Property Damage a. The following is added to Exclusion j. of Section Coverage A Bodily Injury And Property Damage Lial a Paragraphs 3 and 4 of this exclusion do not apply to property damage arising out of the use of an elevator at premises you own rent or occupy. b. The following is added to Section Ill Limits Of Insurance Subject to Paragraph 5. above the most we will pay under Coverage A for damages because of property damage to property loaned to you or personal property in the care custody or control of the insured arising out of the use of an elevator at premises you own rent or occupy is 25000 per occurrence. 3. Property Damage to Borrowed Equipment a. The following is added to Exclusion j. of Section Coverage A Bodily Injury And Property Damage Lial a Paragraph 4 of this exclusion does not apply to property damage to equipment you borrow from others at a jobsite. b. The following is added to Section Ill Limits Of Insurance Subject to Paragraph 5. above the most we will pay under Coverage A for damages because of property damage to equipment you borrow from others is 25000 per occurrence. M. Expected or Intended Injury or Damage Exclusion a. of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following a. Expected Or Intended Injury Or Damage Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. N. Definitions Bodily Injury The property damage definition under the Definitions Section is replaced by the following Bodily injury means bodily injury sickness or disease sustained by a person including mental anguish mental injury shock fright or death sustained by that person which results from that bodily injury sickness or disease. 0. Insured Status Amateur Athletic Participants Section Il Who Is An Insured is amended to include as an insured any person you sponsor while participating in amateur athletic activities. However no such person is an insured for a. Bodily injury to 1 Your employee volunteer worker or any person you sponsor while participating in such amateur athletic activities or UGL13458 CW 0413 Page 7 of 12 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
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