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AV EMICInsurance Companies EMCASCO INSURANCE COMPANY POLICY NUMBER 4D7 13 11 15 HEP INC. EFF DATE 042814 EXP DATE 042815 TY POLICY GENERAL ENDORSEMENT SCHEDULE EDITION FORM DATE DESCRIPTION ADDITIONAL INFORMATION PREMIUM TCG0001 04 13 COMMERCIAL GEN LIABILITY COV FORM CG0435 12 07 EMPLOYEE BENEFITS LIABILITY COVERAGE EACH EMPLOYEE 1000000 AGGREGATE 2000000 DEDUCTIBLE EACH EMPLOYEE 1000 RETROACTIVE DATE 04282006 CG0437 04 13 ELECTRONIC DATA LIAB ENDORSEMENT LOSS OF ELECTRONIC DATA LIMIT 50000 CG2010 04 13 AI OWNERS LESSEES OR CONTRACTORS. NAME CITY OF LINCOLN ATTN BUILDING SAFETY DEPT. PREM OPS ADDRESS 555 10TH ST RM 203 LINCOLN NE 68508 NAME SEE FORM IL12010199 CG2011 04 13 AI MANAGERS OR LESSORS OF PREMISES NAME BLANKET WHERE REQUIRED BY WRITTEN CONTRACT CG2012 04 13 AI STATE GOVT AGCY SUBD POLIT SUBD T NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. BLANKET WHERE REQUIRED BY WRITTEN CONTRACT T CG2034 04 13 AI LESSOR OF LEASED EQUIPMENT CG2037 04 13 AI OWNERS LESSEES OR CONT COMP OPS NAME SEE FORM IL12010199 CG2147 12 07 EXCL EMPLOYMENT RELATED PRACTICES CG2150 04 13 AMENDMENT LIQUOR LIABILITY EXCLUSION TCG2167 12 04 FUNGI OR BACTERIA EXCLUSION CG2170 01 08 CAP LOSSES FROM CERT ACTS TERRORISM CG2176 01 08 EXCL PUNITIVE DMGS ACTS OF TERRORISM ce2274 10 01 LTD CONTRACTUAL LIAB COV PERS ADV DESIGNATED CONTRACT OR AGREEMENT ANY CONTRACT CG7001A 10 12 GENERAL LIABILITY SCHEDULE CG7003 10 13 GL QUICK REFERENCE OCCURRENCE CG7105 01 06 EXT OF THE DEFINITION OF INSURED CG7140 01 06 INJ TO CO EMPL OR O VOLUNTEER WKRS NAME CONCESSIONAIRES JOB TITLES DATE OF ISSUE 031314 CONTINUED FORM IL7131A ED. 04 01 003 LN 4D71311 1501 HEP INC. GENERA EDITION R AT TN AT T T T AT R TN T I T KT T T AT T R oy PR CG0435 CG0437 CG2010 CG2011 xCG2012 CG2034 CG2037 CG2147 CG2150 CG2167 CG2170 CG2176 CG2274 CG7001A CG7003 CG7105 CG7140 04 13 04 13 04 13 04 13 04 13 04 13 12 07 04 13 12 04 01 08 01 08 10 01 10 12 10 13 01 06 01 06 EMPLOYEE BENEFITS LIABILITY COVERAGE EACH EMPLOYEE 1000000 AGGREGATE 2000000 DEDUCTIBLE EACH EMPLOYEE 1000 RETROACTIVE DATE 04282006 ELECTRONIC DATA LIAB ENDORSEMENT LOSS OF ELECTRONIC DATA LIMIT 50000 AI OWNERS LESSEES OR CONTRACTORS.. NAME CITY OF LINCOLN ATTN BUILDING SAFETY DEPT. PREM OPS ADDRESS 555 10TH ST RM 203 LINCOLN NE 68508 NAME SEE FORM IL12010199 AI MANAGERS OR LESSORS OF PREMISES NAME BLANKET WHERE REQUIRED BY WRITTEN CONTRACT AI STATE GOVT AGCY SUBD POLIT SUBD T NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. BLANKET WHERE REQUIRED BY WRITTEN CONTRACT AI LESSOR OF LEASED EQUIPMENT AI OWNERS LESSEES OR CONT COMP OPS NAME SEE FORM IL12010199 EXCL EMPLOYMENT RELATED PRACTICES AMENDMENT LIQUOR LIABILITY EXCLUSION FUNGI OR BACTERIA EXCLUSION CAP LOSSES FROM CERT ACTS TERRORISM EXCL PUNITIVE DMGS ACTS OF TERRORISM LTD CONTRACTUAL LIAB COV PERS ADV DESIGNATED CONTRACT OR AGREEMENT ANY CONTRACT GENERAL LIABILITY SCHEDULE GL QUICK REFERENCE OCCURRENCE EXT OF THE DEFINITION OF INSURED INJ TO CO EMPL OR O VOLUNTEER WKRS NAME CONCESSIONAIRES JOB TITLES | 2 |
A EMC Insurance Companies PAGE NO 2 EMCASCO INSURANCE COMPANY POLICY NUMBER 4D7 13 11 15 HEP INC. EFF DATE 042814 EXP DATE 042815 GENERAL LIABILITY POLICY ECLARATION ENDORSEMENT SCHEDULE EDITION FORM DATE DESCRIPTION ADDITIONAL INFORMATION PREMIUM POLITICAL ENTITY ASSOC. OR ORG.ETC. ALL MANAGERIAL OR SUPERVISORY EMPLOYEES OR EXECUTIVE OFFICERS Fca7141 05 90 EXTENDED PROPERTY DAMAGE COVERAGE CCG7174.3 10 13 AUTOMATIC AI CONST CONT INCL COMP OP cG7191 01 13 COMML GENERAL LIABILITY AMENDMENT CG7253 12 96 CONTRACTORS EXTENDED PROPERTY DAMAGE I CG7276 10 08 LIMITED POLLUTION COV WORK SITES 150 fc7428 11 98 AMEND AGGREGATE LIMIT PER LOCATION CG7429 11 98 AMEND AGGREGATE LIMIT PER PROJECT CG7555 10 13 BLKT WAIV SUBRO WRITTEN CONT AGREE CG7583 01 06 MOTOR VEHICLE LAWS CG7584 10 08 MOBILE EQUIPMENT AUTO AMENDMENT CG7627 03 09 AMENDMENT OF EMPL BENEFITS PROGRAM DESCRIPTION OF OTHER SIMILAR BENEFITS NONE CG7644 02 09 CONTRACTORS OCCURRENCE DEFINITION Cces081 04 06 FUNGI BACTERIA NOTICE TO POLICYHOLDR CG8254 12 13 ADVISORY NOTICE TO POLICYHOLDERS IL0021 05 02 NUCLEAR ENERGY LIAB EXCL BROAD FORM I110259 09 07 NE CHANGES CANCELLATION NONRENEWAL IL1201 01 99 CHANGE ENDORSEMENT IL7028 10 05 ASBESTOS EXCLUSION IL7130A 04 01 NAMED INSURED ENDORSEMENT t IL7131A 04 01 COMML POLICY ENDORSEMENT SCHEDULE IL8383.5 01 08 DISCL PURSUANT TERRSM RISK INS. ACT PREMIUM THROUGH 123114 106 PREMIUM BEYOND 123114 50 IL8384A 01 08 TERRORISM NOTICE IL8576 09 09 MEDICARE IMPT NOTICE TO POLICYHOLDER DATE OF ISSUE 031314 FORM iL7131A ED. 04 01 003 N 4D71311 1501 INC. HEP GENERAL EDITION P g. o e s T S T TR ARTE P TR LA AR P CG7141 CG7174.3 CG7191 CG7253 CG7276 CG7428 CG7429 CG7555 CG7583 CG7584 CG7627 CG7644 CG8081 CG8254 IL0021 IL0259 IL1201 IL7028 IL7130A IL7131A IL8383.5 IL8384A IL8576 05 90 10 13 01 13 12 96 10 08 11 98 11 98 10 13 01 06 10 08 03 09 02 09 04 06 12 13 05 02 09 07 01 99 10 05 04 01 04 01 01 08 01 08 09 09 A SRl eSSy ST e WAR wERE e maEe ALL MANAGERIAL OR SUPERVISORY EMPLOYEES OR EXECUTIVE OFFICERS EXTENDED PROPERTY DAMAGE COVERAGE AUTOMATIC AI CONST CONT INCL COMP OP COMML GENERAL LIABILITY AMENDMENT CONTRACTORS EXTENDED PROPERTY DAMAGE LIMITED POLLUTION COV WORK SITES AMEND AGGREGATE LIMIT PER LOCATION AMEND AGGREGATE LIMIT PER PROJECT BLKT WAIV SUBRO WRITTEN CONT AGREE MOTOR VEHICLE LAWS MOBILE EQUIPMENT AUTO AMENDMENT AMENDMENT OF EMPL BENEFITS PROGRAM DESCRIPTION OF OTHER SIMILAR BENEFITS NONE CONTRACTORS OCCURRENCE DEFINITION FUNGI BACTERIA NOTICE TO POLICYHOLDR ADVISORY NOTICE TO POLICYHOLDERS NUCLEAR ENERGY LIAB EXCL BROAD FORM NE CHANGES CANCELLATION NONRENEWAL CHANGE ENDORSEMENT ASBESTOS EXCLUSION NAMED INSURED ENDORSEMENT COMML POLICY ENDORSEMENT SCHEDULE DISCL PURSUANT TERRSM RISK INS. ACT PREMIUM THROUGH 123114 PREMIUM BEYOND 123114 TERRORISM NOTICE MEDICARE IMPT NOTICE TO POLICYHOLDER 15 w | 2 |
A EMC Insurance Companies EMCASCO INSURANCE COMPANY POLICY NUMBER 4D7 13 11 15 HEP INC. EFF DATE 042814 EXP DATE 042815 TERRORISM NOTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent DATE OF ISSUE 031314 FORM IL8384A 01 08 003 LN 4D71311 1501 HEP INC. EFF DATE 042814 EXP DATE 0428 TERRORISM NOTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent TERRORISM NOTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent | 2 |
AEMClnsurance Companies EMCASCO INSURANCE COMPANY POLICY NUMBER 4D7 13 11 15 HEP INC. EFF DATE 042814 EXP DATE 042815 This disclosure is attached to your policy in response to the disclosure requirements of the Terrorism Risk Insurance Act. This disclosure does not grant any coverage or change the terms and conditions of any coverage under the policy. OSURE PURSUANT M RISK INSURANC S CHEDULE Terrorism Premium Certified Acts A. Premium through end of year 123114 106.00 B. Premium beyond the date specified above 50.00 Refer to paragraph D. below A. DISCLOSURE OF PREMIUM In accordance with the Federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorism acts certified under that act. The portion of your premium attributable to such coverage is shown in the schedule of this disclosure or in the policy Declarations. B. DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES The United States Government Department of the Treasury will pay a2 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. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a Program Year January 1 through December 31 the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. CAP ON INSURER PARTICIPATION IN PAYMENT OF TERRORISM LOSSES If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. D. PREMIUM BEYOND THE YEAR SPECIFIED IN THE SCHEDULE ABOVE The premium for certified acts of terrorism coverage is calculated based in part on the federal participation in payment of terrorism losses as set forth in the Terrorism Risk Insurance Act. The federal program established by the Act is scheduled to terminate at the end of the year specified in the Schedule of this endorsement unless extended by the federal government. If the federal program is extended the premium shown in B in the Schedule shall be attributable to coverage for terrorism acts certified under the act. If the Federal program terminates your policy will still contain coverage for acts of terrorism unless you have elected to exclude the coverage. The premium shown in B of the schedule shall be attributable to that coverage for terrorism. Includes copyrighted material of ISO Properties Inc. with its permission DATE OF ISSUE 031314 continued FORM IL8383.5 01 08 003 LN 4D71311 1501 This disclo disclosure This disclo and conditi A. DISCLOSUI In accor required your prer certifiec to such the poli B. DISCLOSUI The Unite a share federal insured However certifiec in a Proc not make that exce C. CAP ON T2 If aggrec under the Program 1 insurer not be 11 losses tl up to the with proc D. PREMIUM E The prem based in losses as federal g the end c unless ex is extend attributa If the Fe coverage the cover attributa to your policy in response to the he Terrorism Risk Insurance Act. nt any coverage or change the terms ye under the policy. R E PURSUANT IS8SK INSURANC d Acts f year 123114 106.00 ce specified above 50.00 below jeral Terrorism Risk Insurance Act we are ith a notice disclosing the portion of ributable to coverage for terrorism acts The portion of your premium attributable in the schedule of this disclosure or in ICIPATION IN PAYMENT OF TERRORISM LOSSES nt Department of the Treasury will pay s insured under the federal program. The f that portion of the amount of such s the applicable insurer retention. ired losses attributable to terrorist acts IN PAYMENT OF TERRORISM LOSSES attributable to terrorist acts certified surance Act exceed 100 billion in a ough December 31 and we have met our Terrorism Risk Insurance Act we shall it of any portion of the amount of such.lion and in such case insured losses t to pro rata allocation in accordance by the Secretary of the Treasury. IFIED IN THE SCHEDULE ABOVE ts of terrorism coverage is calculated. participation in payment of terrorism errorism Risk Insurance Act. The by the Act is scheduled to terminate at d in the Schedule of this endorsement al government. If the federal program wn in B in the Schedule shall be terrorism acts certified under the act. nates your policy will still contain sm unless you have elected to exclude hown in B of the schedule shall be e for terrorism. | 2 |
A EMC Insurance Companies Page 2 EMCASCO INSURANCE COMPANY POLICY NUMBER 4D7 13 11 15 HEP INC. EFF DATE 042814 EXP DATE 042815 This disclosure is attached to your policy in response to the disclosure requirements of the Terrorism Risk Insurance Act. This disclosure does not grant any coverage or change the terms and conditions of any coverage under the policy. THE FOLLOWING STATEMENT IS REQUIRED TO BE PART OF THE DISCLOSURE NOTICE IN MISSOURI The premium above is for certain losses resulting from certified acts of terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your policy carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. Includes copyrighted material of ISO Properties Inc. with its permission DATE OF ISSUE 031314 FORM IL8383.5 01 08 003 N 4D71311 1501 This disclosure is attached to your policy in response to the disclosure requirements of the Terrorism Risk Insurance Act. This disclosure does not grant any coverage or change the terms and conditions of any coverage under the policy. SCLOSURE P UR RISM RISK IN THE FOLLOWING STATEMENT IS REQUIRED TO BE PART OF THE DISCLOSURE NOTICE IN MISSOURI The premium above is for certain losses resulting from certified acts of terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your policy carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. Includes copyrighted material of ISO Properties Inc. with its permission | 2 |
AV EMC Insurance Companies EMCASCO INSURANCE COMPANY NAMED INSURED ENDORSEMENT POLICY PERIOD FROM 042814 TO 042815 POLICY NUMBER 4D7 13 11 15 NAMED INSURED PRODUCER HEP INC. LOCKTON COMPANIES LLC 5831 S 58TH ST STE C 1015 N 98TH ST STE 101 LINCOLN NE 68516 3649 OMAHA NE 68114 2357 AGENT BB 8210 AGENT PHONE 402 970 6100 AGENCY BILL JACK H. STRUYK JR THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. o e e ENDORSEMENT EFFECTIVE DATES 042814 TO 042815 o IT I TOCITIIITTIITITII TN IT IS HEREBY AGREED AND UNDERSTOOD THAT THE NAMED INSURED IS AMENDED TO READ AS FOLLOWS 1ST NAMED INSURED HEP INC. NO. 02 DARYLL LIGHTNER NO. 03 TAMI LIGHTNER NO. 04 HI COMPANY NO. 05 RUNWAY PARTNERSHIP NO. 06 DL COMPANY PLACE OF ISSUE OMAHA NE DATE OF ISSUE 031314 FORM IL7130A ED. 04 01 003 LN 4D71311 1501 NAMED INSURED ENDO POLICY PERIOD FROM 042814 TO 042815 5831 S 58TH ST STE C 1015 N 98TH ST STE 101 LINCOLN NE 68516 3649 OMAHA NE 68114 2357 AGENT BB 8210 AGENT PHONE 402 970 6100 ACEAIAY DTT T vt Ty T IT IS HEREBY AGREED AND UNDERSTOOD THAT THE NAMED INSURED IS AMENDED TO READ AS FOLLOWS 1ST NAMED INSURED HEP INC. NO. 02 DARYLL LIGHTNER NO. 03 TAMI LIGHTNER NO. 04 HI COMPANY NO. 05 RUNWAY PARTNERSHIP NO. 06 DL COMPANY PLACE OF ISSUE OMAHA NE OLICY. | 2 |
A EMC Insurance Companies EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC EFF DATE 042814 EXP DATE 042815 GENERAL LIABILITY SCHEDULE PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM LOCATION 001 16527 PLUMBING SUPPLIES AND FIXTURES DEALERS AND DISTRIBUTORS PREMIUM BASIS 1 1 0.5391 0 1 THOUSANDS OF GROSS SALES EXPOSURE IF ANY SUBLINE 336334 1 63010 1 i DWELLINGS ONE FAMILY s LESSOR S RISK ONLY 4 PREMIUM BASIS I EACH DWELL EXPOSURE 1 1 SUBLINE 334 1 87224 1 25 CONTRACTORS EXTENDED PROPERTY 1 i DAMAGE ENDORSEMENT 1 SEE FORM CG7253 PREMIUM BASIS 1 FLAT CHARG EXPOSURE 1 SUBLINE 334 1 87654 200 COVERAGE FOR INJURY TO CO EMPLOYEES AND OR YOUR OTHER VOLUNTEER WORKERS SEE FORM CG7140 PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 87711 DAMAGE TO PREMISES RENTED TO YOU LIMITS PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 87741 LIMITED POLLUTION COVERAGE WORKSITES PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 DATE OF ISSUE 031314 BPP CONTINUED FORM CG7001A ED.10 12 BPP 022714 003 LN 4D71311 1501 HEP INC IES AND FIXTURES STRIBUTORS S GROSS SALES oy TENDED PROPERTY MENT 3 S P S PR TON COVERAGE SR | 2 |
A EMC Insurance Companies PAGE 2 EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC EFF DATE 042814 EXP DATE 042815 TY SCHEDULE PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM 87747 AMENDMENT AGGREGATE LIMITS OF INSURANCE PER LOCATION SEE FORM CG7428 t PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 87748 1 AMENDMENT AGGREGATE LIMITS OF INSURANCE PER PROJECT SEE FORM CG7429 PREMIUM BASIS FLAT CHARG 1 1 EXPOSURE 1 SUBLINE 334 87780 CONSTRUCTION CONTRACTS INCLUDING COMPLETED OPERATIONS BLANKET ADDL INSUREDS PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 1 87786 BLANKET WAIVER OF SUBROGATION PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 87808 ELECTRONIC DATA LIABILITY PREMIUM BASIS 1 1 FLAT CHARG EXPOSURE 1 SUBLINE 334 i DATE OF ISSUE 031314 BPP CONTINUED FORM CG7001A ED.10 12 BPP 022714 003 LN 4D71311 1501 HEP INC GENERAL L GREGATE LIMITS. LOCATION S OF GREGATE LIMITS. PROJECT 9 St S OF SR. OF SUBROGATION S PR A LIABILITY S | 2 |
A EMC Insurance Companies PAGE 3 EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC EFF DATE 042814 EXP DATE 042815 GENERAL LIABILITY SCHEDULE CONTINUED PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM 87825 1130.6801 131 EMPLOYEE BENEFITS LIABILITY COVERAGE i PREMIUM BASIS PER EMP EXPOSURE 27 SUBLINE EBL 1000 DEDUCTIBLE APPLIES EACH EMPLOYEE 87830 18 746 CONTRACTORS OCCURRENCE DEFINITION PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 91250 19.4171 0 3.9031 0 BOILER INSPECTION INSTALLATION CLEANING OR REPATR PREMIUM BASIS THOUSANDS OF PAYROLL EXPOSURE IF ANY i SUBLINE 336334 1 91580 t7.3411 330 CONTRACTORS EXECUTIVE SUPERVISORS OR EXECUTIVE SUPERINTENDENTS 4 PREMIUM BASIS THOUSANDS OF PAYROLL i EXPOSURE 45000 SUBLINE 334 91581 0.2121 0 0.2541 0 CONTRACTORS SUBCONT WORK IN CONNECT WITH CONSTRUCT RECONSTRUCT ERECTION OR REPAIR NOT BLDGS NOC PREMIUM BASIS 1 THOUSANDS OF TOTAL COST EXPOSURE IF ANY SUBLINE 336334 DATE OF ISSUE 031314 BPP CONTINUED FORM CG7001A ED.10 12 BPP 022714 003 LN 4D71311 1501 HEP INC GENERAL L FITS LIABILITY SIS 27 EBL TIBLE APPLIES A NSTALLATION LL T | 2 |
A EMIC Insurance Companies PAGE 4 EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC EFF DATE 042814 EXP DATE 042815 LITY SCHEDULE NUED PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM 91583 0.160 0 CONTRACTORS SUBCONT WORK IN CONNECT WITH BUILD CONST RECON REPAIR OR ERECT ONE OR TWO FAMILY DWELL PREMIUM BASIS THOUSANDS OF TOTAL COST EXPOSURE IF ANY SUBLINE 336334 91585 0.160 50 CONTRACTORS SUBCONT WORK IN CONNECT WITH CONST RECONST REPAIR OR EREC TION OF BUILDINGS NOC PREMIUM BASIS THOUSANDS OF TOTAL COST EXPOSURE 313300 SUBLINE 336334 94007 EXCAVATION PREMIUM BASIS THOUSANDS OF PAYROLL. EXPOSURE IF ANY SUBLINE 336334 98482 12.305 11936 PLUMBING COMMERCIAL AND INDUSTRIAL PREMIUM BASIS THOUSANDS OF PAYROLL 1 EXPOSURE 970000 SUBLINE 336334 ADDITIONAL INTEREST 1 334 50 BLANKET WHERE REQUIRED MANAGERS OR LESSORS OF PREMISES G2011 1 ADDITIONAL INTEREST 2 334 75 AUTOMATIC STATUS LESSOR OF LEASED EQUIPMENT G2034 ADDITIONAL INTEREST 3 334 BLANKET WHERE REQUIRED STATE GOVT AGCY SUBD POLIT SUBD T G2012 ADDITIONAL INTEREST 4 334 CITY OF LINCOLN OWNERS LESSEES OR CONTRACTORS.. G2010 25 DATE OF ISSUE 031314 BPP CONTINUED FORM CG7001A ED.10 12 BPP 022714 003 LN 4D71311 1501 HEP INC GENERAL L J T SIS OF PAYROLL IF ANY e e my IAL AND ROLL 70000 r ST 1 334 PLUMBING COMMERCIAL AND INDUSTRIAL PREMIUM BASIS THOUSANDS OF PAYROLL EXPOSURE 970000 SUBLINE 336334 ADDITIONAL INTEREST 1 334 BLANKET WHERE REQUIRED MANAGERS OR LESSORS OF PREMISES G2011 ADDITIONAL INTEREST 2 334 AUTOMATIC STATUS LESSOR OF LEASED EQUIPMENT G2034 ADDITIONAL INTEREST 3 334 BLANKET WHERE REQUIRED STATE GOVT AGCY SUBD POLIT SUBD T G2012 ADDITIONAL INTEREST 4 334 CITY OF LINCOLN OWNERS LESSEES OR CONTRACTORS.. G2010 t | 2 |
AV EMC Insurance Companies PAGE 5 EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC EFF DATE 042814 EXP DATE 042815 GENERAL LIABILITY SCHEDULE CONTINUED PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM ADDITIONAL INTEREST 5 334 0 OWNERS LESSEES OR CONTRACTORS.. t SEE FORM IL12010199 i i CG2010 98820 SEWER MAINS OR CONNECTIONS CONSTRUCTION PREMIUM BASIS THOUSANDS OF PAYROLL EXPOSURE 18900 SUBLINE 336334 99946 WATER MAIN OR CONNECTIONS CONSTRUCTION PREMIUM BASIS THOUSANDS OF PAYROLL EXPOSURE IF ANY SUBLINE 336334 PREMIUM FOR CERTIFIED ACTS OF TERRORISM 156.00 TOTAL ESTIMATED POLICY PREMIUM 19650.00 1 OTHER THAN NOT FOR PROFIT 2 NOT FOR PROFIT 3 INCLUDING PRODUCTS AND OR COMPLETED OPERATIONS UNLESS OTHERWISE EXCLUDED 4 PRODUCTS COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE LIMIT 5 A 250 PD DEDUCTIBLE PER CLAIM APPLIES TO CUSTOMERS AUTOS UNLESS OTHERWISE DESIGNATED BY THIS CLASSIFICATION CODE 6 FOR SPRAY PAINTING OPERATIONS A PD DEDUCTIBLE OF 250 PER CLAIM APPLIES UNLESS A HIGHER DEDUCTIBLE IS OTHERWISE DESIGNATED FOR THIS CLASSIFICATION CODE LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED RATED LOCATIONS LOC 001 5831 S 58TH ST STE C LINCOLN NE 68516 3649 DATE OF ISSUE 031314 BPP FORM CG7001A ED.10 12 BPP 0227714 003 LN 4D71311 1501 HEP INC GENERAL L P INECTIONS ROLL 18900 NECTIONS ROLL ANY CLASSIFICATION CODE LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED RATED LOCATIONS LOC 001 5831 S 58TH ST STE C LINCOLN NE 68516 3649 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CHANGE ENDORSEMENT Policy Period From 042814 CRANGE ENVUUROSEMIENT To 042815 POLICY NUMBER 4D7 13 1115 Named Insured HEP INC. Endorsement Effective Date 042814 EMC Insurance Companies Employers Mutual Casualty Company EMCASCO Insurance Company Union Insurance Company of Providence x Dakota Fire Insurance Company Illinois EMCASCO Insurance Company 7 EMC Property Casualty Company Hamilton Mutual Insurance Company Coverage Provided by the Company Designated X Above CHANGES WORDING FOR FORMS CG2010 AND CG2037 ANY OR ALL PERSONS OR ORGANIZATIONS SUBJECT TO A WRITTEN CONTRACT REQUIRING ADDITIONAL INSURED STATUS EXCEPT WHERE THE CONTRACT REQUIRES COVERAGE TO BE PRIMARY AND NON CONTRIBUTORY. any Aanma Additional Premium Return To be adjusted at Audit 031314 OMAHA NE Date and Place of Issue Form IL1201 Rev. 1 99 Countersigned By | 2 |
COMMERCIAL GENERAL LIABILITY QUICK REFERENCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM OCCURRENCE COVERAGE READ YOUR POLICY CAREFULLY DECLARATIONS PAGES Named Insured And Mailing Address Policy Period Description Of Business And Location Coverages And Limits Of Insurance SECTION COVERAGES Coverage A Insuring Agreement.................. Bodily Injury And Property Damage Liability Exclusions............... i Coverage B Insuring Agreement Personal And Advertising Injury Liability Exclusions............................ Coverage C Insuring Agreement...................... Medical Payments Exclusions. Supplementary Payments....... DI SECTION II WHOISANINSURED..................... i SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS.... Bankruptcy...... Duties In The Event Of Occurrence Offense Claim Or Suit............................. Legal Action Against Us. Other Insurance Premium Audit Representations... Separation Of Insureds Transfer Of Rights Of Recovery Agamst Others ToUs...... When We Do Not Renew SECTIONV DEFINITIONS....................... i B COMMON POLICY CONDITIONS Cancellation Changes Examination Of Your Books And Records Inspections And Surveys Premiums Transfer Of Your Rights And Duties Under This Policy ENDORSEMENTS If Any Beginning on Page CG700310 13 Page 10of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. 3 d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section I Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. 2 CG 00010413 Insurance Services Office Inc. 2012 Page 1 0f 16 | 0 |
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohof if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of. a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. 2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or altemnative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. CG 00010413 Insurance Services Office Inc. 2012 Page 2 of 16 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a Ator from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests i Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or 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 handling storage disposal processing or treatment of waste c Which are or were at any time transported handled stored treated disposed of or processed as waste by or for i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e Atorfrom any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
5 Bodily injury or property damage arising out of a The operation of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 3 Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you b 2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or CG 00010413 Insurance Services Office Inc. 2012 Page 4 of 16 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or 6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section It Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. Damage To Your Product Property damage to your product arising out of it or any part of it. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. Damage To Impaired Property Or Property Not Physically injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. B4 This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to fiability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
2. Exclusions This insurance does not apply to a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Wil Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section I Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. CG 00010413 Insurance Services Office Inc. 2012 Page 6 of 16 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intelflectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. j Insureds In Media And internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control.. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Poilution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of poliutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. 3 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardiess of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. 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 occupies. g.. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law.. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests.. Products Completed Operations Hazard Included within the operations hazard. Coverage A Exclusions Excluded under Coverage A. products completed SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. b.. All reasonable expenses 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. 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 250 a day because of time off from work.. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured.. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. CG 00010413 Insurance Services Office Inc. 2012 Page 8 of 16 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and 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 coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. liability So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settiements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. insurance Services Office Inc. 2012 CG 00010413 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business b To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above c For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or d 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 control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply 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 to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION Ill LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. al health ustody or cal control e g CG 00010413 Insurance Services Office Inc. 2012 Page 10 of 16 | 1 |
3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and Insurance Services Office Inc. 2012 Page 11 of 16 CG 00010413 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. b. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner i That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake fo 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 a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. 14 L However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or 3 Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settiement we agree to. Employee includes a leased worker Employee does not include a temporary worker. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. 2. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fuffill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fuffilling the terms of the contract or agreement. Insurance Services Office inc. 2012 CG 00010413 Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract A sidetrack agreement Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality An elevator maintenance agreement That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing 2 That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 0 b 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercratft or auto. 12.Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b.. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Insurance Services Office Inc. 2012 CG 00010413 Page 14 of 16 | 1 |
However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resuriacmg or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or Infringing upon another s copyright trade dress or slogan in your advertisement. 15.Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16. Products completed operations hazard. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. 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 compiete will be treated as completed. c b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 3 17.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. Insurance Services Office Inc. 2012 CG 00010413 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 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 distributed or disposed of by a You b Others trading under your name or c A person or organizaton whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 04351207 POLICY NUMBER THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits each employee s s Programs aggregate Retroactive Date Information required to complete this Schedule if not shown above will be shown in the Declarations. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments. A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as dam ages because of any act error or omission 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 HI Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. 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. Aclaim 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 1 of 6 o | 2 |
f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement Income Secu rity Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j. Employment Related Practices Damages arising out of wrongful termina tion of employment discrimination or other employment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments 2. Coverages A and B are replaced by Supple mentary Payments Coverages A B and Em ployee Benefits Liability. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the 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 settlement in accor dance with Paragraph a. above. A claim received and recorded by the in sured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim.. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefi ciaries will be deemed to have been made at the time the first of those claims is made against any insured.. 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.. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury.. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer.. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program. CG 04351207 o IS0 Properties Inc. 2006 Page20f 6 | 2 |
c. 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 limited 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 Ili 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 employee benefit program. However the amount paid under this en dorsement shall not exceed and will be subject to the limits and restrictions 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 last 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 irrespective of the application of the deductible amount. d. We may pay any part or all of the deducti ble amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are replaced by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the extent possible notice should include 1 What the act error or omission was and when it occurred and IS0 Properties Inc. 2006 CG 04351207 Page 3 of 6 a | 2 |
2 The names and addresses of anyone who may suffer damages as a result 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 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settiement of the claim or defense against the suit and Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. 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. b. Excess Insurance 1 This insurance is excess over any of the other insurance whether primary ex cess contingent or on any other basis that is effective prior to the beginning of the policy period shown in the Schedule of this insurance and that applies to an act error or omission on other than a claims made basis if a No Retroactive Date is shown in the Schedule of this insurance or b The other insurance has a policy period which continues after the Ret roactive Date shown in the Schedule of this insurance. 2 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 selfinsured 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. ISO Properties Inc. 2006 CG04351207 0O Page 4of 6 | 2 |
F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorse ment is attached to a claims made Coverage Part replaces any similar Section in that Coverage Part EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Ex tended Reporting Period as described 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 Retroactive Date if any shown in the Schedule. Once in effect the Ex tended Reporting Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing 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 following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees in cluding their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by n employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. Page 50f 6 o I1SO Properties Inc. 2006 CG 04351207 | 2 |
4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and dis ability benefits d. 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 e. Any other similar benefits designated in the Schedule or added thereto by endorse ment. H. For the purposes of the coverage provided by this endorsement Definitions 5. and 18. in the Defini tions Section are replaced by the following 5. Employee means a person actively em 18. ployed formerly employed on leave of ab sence or disabled or retired. Employee in cludes a leased worker. Employee does not include a temporary worker. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Page 6 of 6 1SO Properties Inc. 2006 CG 04351207 m | 2 |
POLICY NUMBER THIS ENDOF POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 04370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC DATA LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Loss Of Electronic Data Limit Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Exclusion 2.p. of Coverage A Bodily Injury And Property Damage Liability in Section Coverages is replaced by the following 2. Exclusions This insurance does not apply to p. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data that does not result from physical injury to tangible property. However this exclusion does not apply to liability for damages because of bodily injury. B. The following paragraph is added to Section lll Limits Of Insurance Subject to 5. above the Loss of Electronic Data Limit shown in the Schedule above is the most we will pay under Coverage A for property damage because of all loss of electronic data arising out of any one occurrence. C. The following definition is added to the Definitions section Electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. D. For the purposes of the coverage provided by this the definition of property damage itions section is replaced by the following 17. Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it or c. Loss of loss of use of damage to corruption of inability to access or inability to properly manipulate electronic data resulting from physical injury to tangible property. All such loss of electronic data shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. CG 04370413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER THIS ENDOR POLICY NUMBER COMMERCIAL GENERAL LIABILITY G 20100413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Locations Of Covered Operations Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1. Your acts or omissions or 2. The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insureds at the locations designated above. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following additional exclusions apply This insurance does not apply to bodily injury or property damage occurring after 1. Al work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or 2. That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. CG 20100413 Insurance Services Office Inc. 2012 Page 1 of 2 | 2 |
2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. C. With respect to the insurance afforded to these additional insureds the following is added to Section ill Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or CG 20100413 Insurance Services Office Inc. 2012 Page 2 of 2 | 2 |
POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20110413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises Part Leased To You Name Of Persons Or Organizations Additional Insured Additional Premium Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability arising out of the ownership maintenance or use of that part of the premises leased to you and shown in the Schedule and subject to the following additional exclusions This insurance does not apply to 1. Any occurrence which takes place after you cease to be a tenant in that premises. 2. Structural alterations new construction or demolition operations performed by or on behalf of the persons or organizations shown in the Schedule. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following is added to Section Il Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20110413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER THIS ENDOR POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20120413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule subject to the following provisions 1. This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. However a. The insurance afforded to such additional insured only applies to the extent permitted by law and b. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 2. This insurance does not apply to a. Bodily injury property damage or personal and advertising injury arising out of operations performed for the federal government state or municipality or b. Bodily injury or property damage included within the products completed operations hazard. B. With respect to the insurance afforded to these additional insureds the following is added to Section Hll Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Insurance Services Office Inc. 2012 CG20120413 Page 1 0of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 20340413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED LESSOR OF LEASED EQUIPMENT AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section Il Who Is An Insured is amended to include as an additional insured any persons or organizations from whom you lease equipment when you and such persons or organizations have agreed in writing in a contract or agreement that such persons or organizations be added as an additional insured on your policy. Such persons or organizations is an insured only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your maintenance operation or use of equipment leased to you by such persons or organizations. However the insurance afforded to such additional insured 1. Only applies to the extent permitted by law and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A person s or organization s status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends.. With respect to the insurance afforded to these additional insureds this insurance does not apply to any occurrence which takes place after the equipment lease expires.. With respect to the insurance afforded to these additional insureds the following is added to Section Il Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement you have entered into with the additional insured or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20340413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
POLICY NUMBER THIS ENDOR POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 20370413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS COMPLETED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Persons Or Organizations Location And Description Of Completed Operations Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to include as an additional insured the persons or organizations shown in the Schedule but only with respect to fiability for bodily injury or property damage caused in whole or in part by your work at the location designated and described in the Schedule of this endorsement performed for that additional insured and included in the products completed operations hazard. However 1. The insurance afforded to such additional insured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insureds the following is added to Section Ill Limits Of Insurance If coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG20370413 Insurance Services Office Inc. 2012 Page 10of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person 2 Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2. Exclusions of Section 1 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 1 of 1 m ISO Properties Inc. 2006 CG 21471207 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21500413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF LIQUOR LIABILITY EXCLUSION COMMERCIAL GENERAL LIABILITY COVERAGE PART The following replaces Exclusion. under Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Lial 2. Exclusions lity This insurance does not apply to c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on your premises for consumption on your premises 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or This endorsement modifies insurance provided under the following b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic beverages 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 livelihood 3 Serve or furnish alcoholic beverages without a charge if a license is required for such activity or 4 Permit any person to bring any alcoholic beverages on your premises for consumption on your premises. b Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. This exclusion applies only if you 1 Manufacture sell or distribute alcoholic beverages 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 livelihood 3 Serve or furnish alcoholic beverages without a charge if a license is required for such activity or 4 Permit any person to bring any alcoholic beverages on your premises for consumption on your premises. CG 21500413 Insurance Services Office Inc. 2012 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threatened in halation of ingestion of contact with expo sure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardiess of whether any other cause event material or product contributed concurrently 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 detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any insured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 IS0 Properties Inc. 2003 Page 1of 1 m | 2 |
COMMERCIAL GENERAL LIABILITY CG 21700108 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insur ance Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the Terrorism Risk Insur ance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in ac cordance with procedures established by the Secre tary of the Treasury. Certified act of terrorism means an act that is certi fied by the Secretary of the Treasury in concurrence with the Secretary of State and the Attorney General of the United States to be an act of terrorism pursu ant to the federal Terrorism Risk Insurance Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The 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. ISO Properties Inc. 2007 CG21700108 Page 1of 1 | 2 |
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 A. The following exclusion is added 2. The act is a violent act or an act that is dan This insurance does not apply to gerous to human life property or infrastructure insu PRl and is committed by an individual or individuals TERRORISM PUNITIVE DAMAGES as part of an effort to coerce the civilian popu Damages arising directly or indirectly out of a fation 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. B. 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 to 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 ISO Properties Inc. 2007 Page 1 of 1 o | 2 |
POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG22741001 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED CONTRACTUAL LIABILITY COVERAGE FOR PERSONAL AND ADVERTISING INJURY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Contract Or Agreement If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. With respect to the contract or agreement desig 2 Liability for personal and advertising nated in the Schedule above Subparagraph e. of injury if Paragraph 2. Exclusions of Section Coverage a The liabilit tai i B Personal And AIvertising Injury Liability is ness l n jl iyspaessigseoigre fsl replaced by the following ignated contract or agreement 2. Exclusions shown in the Schedule in which you assume the tort liability of an This i n ly to is insurance does not apply to other. Tort liability means a liabil e. Contractual Liability ity that would be imposed by law Personal and advertising injury for which in the absence of any contract or the insured has assumed liability in a con agreement tract or agreement. b The personal and advertising This exclusion does not apply to injury occurs subsequent to the execution of the designated con tract or agreement shown in the Schedule and c The personal and advertising 1 Liability for damages that the insured would have in the absence of the contract or agreement or POLICY NUMBER THIS ENDOF veiGTIERe M VI R T g e 2 Liability for personal and advertising injury if a The liability pertains to your busi ness and is assumed in the des ignated contract or agreement shown in the Schedule in which you assume the tort liability of an other. Tort liability means a liabil ity that would be imposed by law in the absence of any contract or agreement The personal and advertising injury occurs subsequent to the execution of the designated con tract or agreement shown in the Schedule and c The personal and advertising injury arises out of the offenses of false arrest detention or im prisonment. b Page 10f 2 o ISO Properties Inc. 2001 CG 22741001 | 2 |
Solely for the purposes of liability so as sumed in such designated contract or agreement reasonable attorney fees and necessary litigation expenses in curred by or for a party other than an in sured are deemed to be damages be cause of personal injury described in Paragraph A.2.e.2c above provided i Liability to such party for or for the cost of that party s defense has also been assumed in the same designated contract or 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 in surance applies are alleged. B. With respect to the contract or agreement desig nated in the Schedule above the following is added to Section Supplementary Payments Coverages A And B If we defend an insured against a suit and an in demnitee 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 1. The suit against the indemnitee seeks dam ages for which the insured has assumed tort li ability of the indemnitee in a designated con tract or agreement shown in the Schedule if such liability pertains to your business. Tort li ability means a liability that would be imposed by law in the absence of any contract or agreement 2. This insurance applies to such liability assumed by the insured 3. The obligation to defend or the cost of the defense of that indemnitee has also been as sumed by the insured in the same designated contract or agreement 4. The allegations in the suit and the information we know about the offense are such that no conflict appears to exist between the interests of the insured and the interests of the indem nitee 5. The indemnitee and the insured ask us to con duct and control the defense of that indemnitee against such suit and agree that we can as sign the same counsel to defend the insured and the indemnitee and 6. The indemnitee a. Agrees in writing to 1 Cooperate with us in the investigation settlement or defense of the suit 2 Immediately send us copies of any de mands notices summonses or legal papers received in connection with the suit 3 Notify any other insurer whose coverage is available to the indemnitee and 4 Cooperate with us with respect to coor dinating other applicable insurance available to the indemnitee and b. Provides us with written authorization to 1 Obtain records and other information related to the suit and 2 Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met attorneys fees incurred by us in the defense of that indem nitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supple mentary Payments. Notwithstanding the provisions of Paragraph A.2.e.2 of this endorsement such payments will not be deemed to be damages for personal and advertising injury as described in Paragraph A.2.e.2c above 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 1. We have used up the applicable limit of insur ance in the payment of judgments or settle ments or 2. The conditions set forth above or the terms of the agreement described in Paragraph 6. above are no fonger met. Page 2 of 2 IS0 Properties Inc. 2001 CG22741001 m | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENSION OF WHO IS AN INSURED This Endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Section Il Who Is An Insured paragraphs 2.a. 2.a.1 and 2.a.2 are deleted and replaced by the following 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 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by any of your volunteer workers. Section Il Who is An Insured paragraphs 4.a. liability company or your managers if you are and 4.b. are deleted and paragraph 4. is replaced by a limited liability company but only for acts the following within the scope of their employment by you or 4. Wil n i 4 N X ith respect to mobile equipment registered in thle PegTg dutx s related to the ohduct your name under any motor vehicle registration OF your business. owever none of these law any person is an insured while driving such volunteer workers is an insured for... R. equipment along a public highway with your U BOd.y injury or personal and advertising permission. Any other person or organization injury d Arising out of his or her providing or failing to provide professional health care services. responsible for the conduct of such person is also an insured but only with respect to liability arising out of the operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. CG71051 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR INJURY TO CO EMPLOYEES AND OR YOUR OTHER VOLUNTEER WORKERS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Specific Employees Volunteer Workers or Specific Job Titles as applicable to this endorsement. If no entry appears above the information required to complete this endorsement will be shown in the Declarations A. The following is added to Paragraph 2.a.1 of Section Il Who Is An Insured Paragraphs a b and c above do not apply to the specific employees or volunteer workers or any employees or volunteer workers holding the specific job titles designated in the Schedule of this endorsement with respect to bodily injury to a coemployee or other volunteer worker. B. Section Il Who Is An Insured paragraph 4.a. does not apply to any employees or volunteer workers holding a specific covered position designated in the Schedule of this endorsement. C. The following is added to Paragraph 4. Other Insurance Condition under Section IV Commercial General Liability Conditions The coverage provided by this endorsement is excess over any other valid and collectible insurance that covers the liability of the designated employees or volunteer workers or an employee or volunteer worker holding a job title designated in the Schedule of this endorsement. Page 1 of 1 CG71401 06 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
Commercial General Liability THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENDED PROPERTY DAMAGE COVERAGE Schedule Limits of Insurance Deductible 5000 Each Occurrence 250 Per Claim 25000 Annual Aggregate Insuring Agreement We will pay for loss to personal property of others including the loss of use of such property while in your care custody or control or personal property over which you for any purpose are exercising physical control when 1 loss arises out of operations away from your premises 2. loss is incidental to your normal business operations and 3. you have property damage liability coverage for that business under the coverage form to which this endorse ment is attached. Loss means unintentional damage or destruction but does not include disappearance or obstruction. Exclusions The coverage under this endorsement does not apply to loss to 1. property held by you for servicing repair storage or sale on premises you own rent occupy or otherwise con trol 2. property while being transported by or caused by the ownership maintenance operation use loading or un loading of any automobile watercraft or aircraft 3. property you own rent or occupy 4. real property. Limit of insurance The limit of insurance stated in the Schedule of Limits as each occurrence is the most we will pay for all damages on account of each claim or suit covered under this endorsement. The limit of insurance stated in the Schedule of Limits as Annual Aggregate is subject to the above provision respecting each claim the total limit of our liability for all damages under this endorsement in any one policy period. Deductible We will not be liable on account of any loss except to the extent such loss is in excess of the deductible amount stated in the Schedule of Limits with the insurance then applying to such excess only subject otherwise to the appli cable limits of insurance. The terms of the policy with respect to your duties in the event of occurrence claim or suit and our right to investi gate negotiate and settle any claim or suit apply irrespective of the application of the deductible amount. We may pay any part or all of the deductible amount to effect settiement of any claim or suit and upon notification of the action taken you will promptly reimburse us for any part of the deductible amount as has been paid by us. Settlement In the event of loss covered by this endorsement you will if requested by us replace the property or furnish the labor and materials necessary for repairs at actual cost to you excluding prospective profit or overhead charges of any nature. Any property so paid for or replaced at our option becomes our property. Payment will not constitute an admission of any liability on your part. Other Insurance If any other insurance carried by you applies to a loss covered by this endorsement this endorsement will not ap ply. Nothing herein contained will be held to alter vary or waive any of the agreements conditions or declarations of this policy except as herein stated. Form CG7141 Ed. 5 90 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION CONTRACT OR AGREEMENT INCLUDING COMPLETED OPERATIONS PRIMARY AND NONCONTRIBUTORY COMMERCIAL GENERAL LIABILITY COVERAGE FORM. Section Il Who Is An Insured is amended to include as an additional insured 1. Any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy and 2. Any other person or organization you are required to add as an additional insured under the contract or agreement described in Paragraph 1. above. Such persons or organizations is an additional insured 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 omissions of those acting on your behalf in the performance of a. your ongoing operations for the additional insured or b. Your work for the additional insured and included in the products completed operations hazard. However the insurance afforded to such additional insured described above a. Only applies to the extent permitted by law and b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured.. With respect to the insurance afforded to these additional insureds the following additional exclusion applies This insurance does not apply to bodily injury property damage and personal and advertising injury arising out of the rendering of or the failure to render any professional architectural engineering or surveying services including a. The preparing approving or failing to prepare or approve maps shop drawings opinions reports This endorsement modifies the insurance provided under the following surveys field orders change orders or drawings and specifications or b. Supervisory inspection architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by the insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or the failure to render any professional architectural engineering or surveying services.. With respect to the insurance afforded to these additional insureds the following is added to Section il Limits Of Insurance The most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement described in Paragraph A.1. or 2. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations The following is added to the Other Insurance Condition and supersedes any provision to the contrary Primary and Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that 1 The additional insured is a Named Insured under such other insurance and 2 You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.. All other terms and conditions of this policy remain unchanged. CG7174310 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY AMENDMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended to include the following clarifications and extensions of coverage. The provisions of the coverage part apply unless modified by endorsement. A. NEWLY FORMED OR ACQUIRED E. FIRE LIGHTNING OR EXPLOSION DAMAGE ORGANIZATIONS 1. In paragraph 3.a. of Section Il Who is an Insured 90th Day is changed to 180th day. 2. This provision does not apply if newly formed or acquired organizations coverage is excluded either by the provisions of the Coverage Form or by endorsements. B. SUBSIDIARIES AS INSUREDS Section Il Who Is An Insured is amended by adding the following 1.f. Any legally incorporated subsidiary in which you own more than 50 of the voting stock on the effective date of this policy. However insured does not include any subsidiary that is an insured under any other general liability policy or would have been an insured under such a policy but for termination of that policy or the exhaustion of that policy s limits of liability.. SUPPLEMENTARY PAYMENTS Supplementary Payments Coverages A and B Paragraphs 1.b. and 1.d. are replaced by the following 1.b. Up to 3000 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 earnings up to 350 a day because of time off from work.. MEDICAL PAYMENTS if Section Coverage C Medical Payments Coverage is not otherwise excluded from this Coverage Form The requirement in the Insuring Agreement of Coverage C. that expenses must be incurred and reported to us within one year of the accident date is changed to three years. The word fire is changed to fire lightning or explosion wherever it appears in the Coverage Form. This amended wording does not apply to hostile fire. Under Section 1 Coverage A the last paragraph after the exclusions is replaced by the following Exclusions c. through n. do not apply to damage by fire lightning expiosion smoke or leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits of Insurance. NON OWNED WATERCRAFT Paragraph g.2 of Section Coverage A Exclusions is changed to read 2 Awatercraft you do not own that is a Less than 51 feet long and b Not being used to carry persons or property for a charge. PROPERTY DAMAGE ELEVATORS With respect to Section Coverage A Exclusions paragraphs j.3 j.4 j.6 and k. do not apply to the use of elevators. The insurance afforded by this provision is excess over any valid and collectible property insurance including any deductible available to the insured and the Other Insurance Condition is changed accordingly.. MENTAL ANGUISH Section V Definition 3. is replaced by the following Bodily injury means bodily injury sickness or disease sustained by a person including mental anguish or death resulting from bodily injury sickness or disease. I Who is an to 180th day. f newly formed or age is excluded Coverage Form is amended by sidiary in which e voting stock on olicy. However subsidiary that is general liability an insured under ion of that policy olicy s limits of erages A and B eplaced by the bonds required fic law violations vehicle to which overage applies. se bonds. ncurred by the o T DO Im s U N S Includes copyrighted material of ISO Properties Inc. with its permission. CG71911 13 Page 1of 2 | 2 |
DUTIES IN THE EVENT OF OCCURRENCE OFFENSE CLAIM OR SUIT Section IV Commercial General Liability Condition paragraph 2. is amended by the following provision 1. The requirement in Condition 2.a. that 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 applies only when the occurrence or offense is known to a. You if you are an individual or a limited liability company b. A partner if you are a partnership c. A manager if you are a limited liability company d. An executive officer or insurance manag er if you are a corporation or e. Atrustee if you are a trust. 2. The requirement in Condition 2.b. that you must see to it that we receive notice of a claim or suit as soon as practicable will not be considered breached unless the breach occurs after such claim or suit is known to a. You if you are an individual or a limited liability company b. A partner if you are a partnership c. A manager if you are a limited liability company d. An executive officer or insurance manag er if you are a corporation or e. Atrustee if you are a trust. J. UNINTENTIONAL FAILURE TO DISCLOSE EXPOSURES Section IV Commercial General Liability Condition paragraph 6. is amended to add the following provision If you unintentionally fail to disclose any exposures existing at the inception date of your policy we will not deny coverage under this Coverage Part solely because of such failure to disclose. However this provision does not affect our right to collect additional premium or exercise our right of cancellation or non renewal. This provision does not apply to any known injury or damage which is excluded under any other provision of this policy. LIBERALIZATION If we revise this endorsement to provide greater coverage without additional premium charge we will automatically provide the additional coverage to all endorsement holders as of the day the revision is effective in your state. CG71911 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 20f 2 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS EXTENDED PROPERTY DAMAGE COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The COMMERCIAL GENERAL LIABILITY COVERAGE PART is amended to include the following extension of coverage. The provisions of the Coverage Part apply unless modified by this endorsement. SCHEDULE LIMITS OF INSURANCE DEDUCTIBLE 5000 EACH OCCURRENCE 250 EACH CLAIM 25000 ANNUAL AGGREGATE 1. INSURING AGREEMENT We will pay those sums that an insured becomes legally obligated to pay as damages because of property damage to real or personal property of others while the property is in the insured s care custody or control or over which the insured is for any reason exercising physical control. Property damage must arise out of your operations as a contractor. 2. EXCLUSIONS a. Coverage A Section 1 Exclusions j3 and j5 are deleted in their entireties. b. Coverage A Section I Exclusion j4 is deleted and replaced with the following 1 Personal property in the care custody and control of an insured which is held for servicing repair storage or sale at premises owned rented operated or used by the insured. 3. LIMITS OF INSURANCE a. The each occurrence limit listed above is the most we will pay for all damages because of property damage to real and personal property in the care custody and control of an insured as the resuit of any one occurrence regardless of the number of 1 insureds 2 claims made or suits brought 3 persons or organizations making claims or bringing suits. b. The aggregate limit listed above is the most we will pay for all damages because of property damage 1o real or personal property in your care custody and control during the policy period. Any payments we make for damages because of property damage to real or personal property in your care custody or control will apply against the General Aggregate Limit shown in the declarations. 4. DEDUCTIBLE Our obligation to pay damages on your behalf applies only to the amount of damages in excess of the deductible amount listed above. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification by us you will promptly reimburse us for that part of the deductible we paid. 5. OTHER INSURANCE Insurance provided by this endorsement is excess over any other insurance whether primary excess contingent or any other basis. Since insurance provided by this endorsement is excess we will have no duty 1o defend any claim or suit to which insurance provided by this endorsement applies if any other insurer has a duty to defend such a claim or 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. Form CG7253 Ed. 12 96 DEDUCTIBLE 250 EACH CLAIM | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITED POLLUTION COVERAGE WORK SITES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Each Pollution Incident Limit 100000 Pollution Liability Aggregate Limit 100000 Property Damage Deductible 1000 Each pollution incident With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by this endorsement. A. Section COVERAGES is amended to include the following LIMITED POLLUTION COVERAGE WORK SITES 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage or clean up costs because of environmental damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. 1 at or from a work site within the coverage territory 2 which first commences during the policy period 3 which ceases within 72 hours after it commences and 4 is reported to us within 30 days of its commencement. This reporting provision is in addition to the notification requirements set out in Section IV CONDITIONS. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodity injury. However we will have no duty to defend 2. Exclusions the insured against any suit seeking those damages for bodily injury property damage or clean up costs because of environmental damage to which this insurance does not apply. We may at our discretion investigate any pollution incident and settle any claim or suit that may result. But 1 The amount we will pay for damages and clean up costs is limited as described in SECTION C LIMITS OF INSURANCE of this endorsement and Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SECTION B SUPPLEMENTARY PAYMENTS of this endorsement. b. This insurance applies to bodily injury property damage or clean up costs because of environmental damage but only if the bodily injury property damage or environmental damage is caused by a pollution incident 2 The insurance provided by this endorsement does not apply to Bodily injury property damage or environmental damage expected or intended from the standpoint of the insured. Bodily injury property damage or environmental damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. Property damage or environmental damage at or from 1 awaste facility 2 property or premises you own rent or oceupy 3 premises you sell give away or abandon if the property damage arises out of any part of those premises 4 property loaned to you or 5 personal property in your care custody or control. CG727810 08 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 3 Page 10f 3 | 2 |
Clean up costs or any other expense incurred by you or others to test for monitor clean up remove contain treat detoxify or neutralize pollutants at or from 1 a waste facility or 2 premises you own rent or occupy or to any recovery claimed for such cost or expense. Bodily injury property damage or environmental damage included within the products completed operations hazard. Bodily injury property damage or environmental damage arising out of the ownership or operation of any offshore facility as defined in the Outer Continental Shelf Lands Act Amendment of 1978 to the Clean Water Act of 1977 or any deepwater port as defined in the Deepwater Port Act of 1974 as amended or as either Act may be amended. Bodily injury property damage or environmental damage arising out of a poliution incident from a work site or any part of a work site that is or was at any time used by you for the storage disposal processing or treatment of waste materials. Bodily injury property damage or environmental damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto rolling stock or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. Bodily injury property damage or environmental damage arising out of the emission discharge release or escape of drilling fluid oil gas or other fluids from any oil gas mineral water or geothermal well. Bodily injury property damage or environmental damage arising out of a pollution incident which results from or is directly attributable to failure to comply with any applicable statute regulation ordinance directive or order relating to the protection of the environment and promulgated by any governmental body provided that failure to comply is a willful or deliberate act or omission of 1 the insured or 2 you or any of your members partners or executive officers. Bodily injury property damage or environmental damage arising out of 1 the transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 the use of mobile equipment in or while in practice or preparation for a prearranged racing speed or demolition contest or in any stunt activity or the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. 1. Any loss cost or expense arising out of any request demand or order by a governmental authority 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 at any site which is included or proposed for inclusion on a governmental authority s clean up priority list. m. Any injury or damage included in the insurance provided by Section Coverage A of this policy. 3 B. For the purposes of the coverage provided by this endorsement 1. Al references to Supplementary Payments Coverages A and B are replaced by Supplementary Payments Coverages A B and Limited Pollution Coverage Work Sites. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply.. Section Il LIMITS OF INSURANCE is deleted in its entirety and replaced with the following For the purposes of the coverage provided by this endorsement. 1. Regardless of the number of insureds claims made or suits brought or persons or organizations making claims or bringing suits our liability under this endorsement is limited as follows a. The Each Pallution Incident Limit shown in the Schedule of Limits of Insurance of this endorsement is the most we will pay for all damages and clean up costs arising out of any one discharge dispersal seepage migration release or escape of pollutants under this endorsement b. The Pollution Liability Aggregate Limit shown in the Schedule of Limits of Insurance of this endorsement is the most we will pay for the aggregate of all damages covered under this endorsement. Page 2 0f 3 Includes copyrighted material of ISO Properties Inc. with its permission. CG727610 08 | 2 |
2. The Limits of Insurance for coverages available within the Commercial General Liability Coverage Form that is part of this policy will be reduced by any damages paid on your behalf under this endorsement. 3. Property Damage Deductible a. Our obligation under this endorsement to pay damages for property damage or clean up costs because of environmental damage on your behalf applies only to the amount of damages or clean up costs in excess of any deductible amount stated in this endorsement as applicable to the Each Pollution Incident Limit. Neither the Each Pollution Incident Limit nor the Pollution Liability Aggregate Limit will be reduced by the application of such deductible amount. b. 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 in the event of a poliution incident claim or suit apply irrespective of the application of the deductible amount. c. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification or the action taken you shall promptly reimburse us of such part of the deductible amount as has been paid by us. D. For the purposes of the coverage provided by this endorsement Condition 4. of Section IV Commercial Liability Conditions is amended as follows All references to Coverages A or B are amended to read Coverages A B or Limited Pollution Coverage Work Sites.. E. For the purposes of the coverage provided by this endorsement the following definitions are added to Section V DEFINITIONS. Clean up costs means expenses for and includes any costs for testing performed in connection with the removal remediation neutralization or disposal of poliutants. Environmental damage means the injurious presence in or upon land the atmosphere or any water course or body of water of pollutants which results directly from any physical injury to tangible property. Pollution incident means the actual emission discharge release or escape of pollutants from a work site provided that such emission discharge release or escape results in bodily injury property damage or environmental damage. The entirety of any such emission discharge release or escape will be deemed to be one pollution incident. Waste facility means any site to which waste from the operations or a work site is consigned for delivery or delivered for storage disposal processing or treatment. Work site means any premises site or location on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by you any contractor or subcontractor. Work site does not include any premises site or location which currently is or was at any time owned or occupied by or rented or loaned to you. CG727610 08 Page3of 3 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT AGGREGATE LIMITS OF INSURANCE PER LOCATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The General Aggregate Limit under LIMITS OF INSURANCE Section Ill applies separately to each of your locations owned by or rented to you. Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. Includes copyrighted material of Insurance Services Office Inc. with its permission. Form CG7428 Ed. 11 98 Copyright Insurance Services Office Inc. 1984 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT AGGREGATE LIMITS OF INSURANCE PER PROJECT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The General Aggregate Limit under LIMITS OF INSURANCE Section 11l applies separately to each of your projects away from premises owned by or rented to you. Includes copyrighted material of Insurance Services Office Inc. with its permission. Form CG7429 Ed. 11 98 Copyright Insurance Services Office Inc. 1984 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET WAIVER OF SUBROGATION WHEN REQUIRED IN A WRITTEN CONTRACT OR AGREEMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV Conditions We waive any right of recovery we may have against any person or organization against whom you have agreed to waive such right of recovery in a written contract or agreement because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with that person or organization and included in the products completed operations hazard G755510 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOTOR VEHICLE LAWS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following are added to COMMERCIAL GENERAL LIABILITY CONDITIONS Section IV 1. When this Coverage Part is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law the insurance provided by the coverage part for Bodily Injury Liability or Property Damage Liability will comply with the provisions of the law to the extent of the coverage and limits of insurance required by that law. With respect to mobile equipment to which this insurance applies we will provide any liability uninsured motorists underinsured motorists no fault or other coverages required by any motor vehicle insurance law. We will provide the required limits for those coverages. CG75831 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOBILE EQUIPMENT AUTO AMENDMENT COMMERCIAL GENERAL LIABILITY COVERAGE FORM Exclusion g. of Section Coverage A Bodily Injury and Property Damage Liability is replaced by the following g. Aircraft Auto or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unioading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured 4 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft or 5 Bodily injury or property damage arising out of the operation of any of the equipment listed in Paragraph f.2 or.3 of the definition of mobile equipment. B. SECTION Il WHO IS AN INSURED is amended to add the following as Paragraph 4. 4. With respect to mobile equipment registered in your name under any motor vehicle registration law any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured but only with respect to liability arising out of the CG758410 08 This endorsement modifies insurance provided under the following operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an insured with respect to a. Bodily injury to a coemployee of the person driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an insured under this provision. C. Paragraph 2. of SECTION V DEFINITIONS is replaced by the following 2. Auto means a land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. D. Paragraph 12. of SECTION V DEFINITIONS is replaced by the following 12. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment. a. Bulidozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or Page 1of2 operation of the equipment and only if no other insurance of any kind is available to that person or organization for this liability. However no person or organization is an insured with respect to a. Bodily injury to a coemployee of the person driving the equipment or b. Property damage to property owned by rented to in the charge of or occupied by you or the employer of any person who is an insured under this provision. C. Paragraph 2. of SECTION V DEFINITIONS is replaced by the following 2. Auto means a land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. D. Paragraph 12. of SECTION V DEFINITIONS is replaced by the following 12. Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment. a. Bulidozers 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. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or Page 1of2 | 2 |
2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. E. Paragraph 4. of Section IV COMMERCIAL GENERAL LIABILITY CONDITIONS is amended by the addition of the following Any coverage afforded to you under this Coverage Form will be excess over any other valid and collectible Automobile insurance purchased by you for mobile equipment whether that coverage is excess contingent or on any other basis and any other valid and collectible umbrella liability insurance purchased by you. 2 Cherry pickers and similar devices used to raise or lower workers Vehicles not described in a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning Page 20f 2 CG758410 08 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF EMPLOYEE BENEFITS PROGRAM DEFINITION This endorsement modifies insurance provided under the following EMPLOYEE BENEFITS LIABILITY COVERAGE ENDORSEMENT SCHEDULE Description of Other Similar Benefits as applicable to this endorsement. If no entry appears above information required to complete this endorsement will be shown in the Declarations A. Paragraph G.4 of the Employee Benefits Liability Coverage Endorsement CG0435 is replaced by the following 4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or heaith insurance dental vision prescription and hearing plans and flexible spending accounts provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility requirements b. Profit sharing plans employee savings plans individual retirement account IRA plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disability benefits d. Vacation plans including buy and sell programs leave of absence programs including military maternity family and civil leave tuition assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. C676273 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS OCCURRENCE DEFINITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART For the purposes of the coverage provided by this endorsement Section V DEFINITIONS Paragraph 13. is amended to read Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions and also means accidental property damage but does not include faulty workmanship which is the defective condition of an insured s or subcontractor s work without a change or alteration in your work CG76442 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1of 1 | 2 |
IL 00 21 05 02 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply C. A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear En ergy Liability Insurance Association Mutual 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 Atomic Energy Liability Underwriters Nu 2 The nuclear material is contained in spent clear Insurance Association of Canada or fuel or waste at any time possessed any of their successors or would be an in handled used processed stored trans sured under any such policy but for its ter ported or disposed of by or on behalf of an mination upon exhaustion of its limit of Ii insured 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 of services materials parts or equipment in which a any person or organization is re connection with the planning construction quired to maintain financial protection pur maintenance operation or use of any nu suant to the Atomic Energy Act of 1954 or clear facility but if such facility is located any law amendatory thereof or b the in within the United States of America its ter sured is or had this policy not been issued ritories or possessions or Canada this ex would be entitled to indemnity from the clusion 3 applies only to property dam United States of America or any agency age to such nuclear facility and any prop thereof under any agreement entered into erty thereat. by the United States of America or any 2. As used in this endorsement agency thereof with any person or organi zation. B. Under any Medical Payments coverage to Hazardous properties includes radioactive toxic or explosive properties. expenses incurred with respect to bodily injury Nuclear material means source material Spe resulting from the hazardous properties of cial nuclear material or by product material. nuclear material and arising out of the opera tion of a nuclear facility by any person or or ganization. C. Under any Liability Coverage to bodily injury or property damage resulting from hazardous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom The nuclear material is contained in spent fuel or waste at any time possessed handled used processed stored trans ported or disposed of by or on behalf of an insured 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 ter ritories or possessions or Canada this ex clusion 3 applies only to property dam age to such nuclear facility and any prop erty thereat. 2. As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Spe cial nuclear material or by product material. 2 3 IL 00 21 05 02 IS0 Properties Inc. 2001 Page 1 of 2 w | 2 |
Any equipment or device used for the proc essing fabricating or alloying of special nu clear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 Any structure basin excavation premises or place prepared or used for the storage or dis posal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. 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 concentration of uranium or thorium from any ore processed pri marily for its source material content and b re sulting from the operation by any person or organi zation of any nuclear facility included under the first two paragraphs of the definition of nuclear fa cility. Nuclear facility means a Any nuclear reactor b Any equipment or device designed or used for 1 separating the isotopes of uranium or pluto nium 2 processing or utilizing spent fuel or 3 handling processing or packaging waste 1L 00 21 05 02 o 1SO Properties Inc. 2001 Page 2 of 2 | 2 |
IL 02 59 09 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following CAPITAL ASSETS PROGRAM OUTPUT POLICY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Com 6 Certification to the Director of Insurance mon Policy Condition are replaced by the follow of our loss of reinsurance which pro ing vided coverage to us for all or a sub 2. Cancellation Of Policies In Effect Slama part of the underlying risk in sured or a. 60 Days Or Less If this policy has been in effect for 60 days or less we may cancel this policy for any reason.. More Than 60 Days If this policy has been in effect for more than 60 days or if this is a renewal of a pol icy we issued we may cancel this policy only for one or more of the following rea sons 1 Nonpayment of premium 2 The policy was obtained through mate rial misrepresentation 3 Any insured has submitted a fraudulent claim 4 Any insured has violated the terms and conditions of this policy 5 The risk originally accepted has sub stantially increased 7 The determination by the Director of In surance that the continuation of the pol icy could place us in violation of the Ne braska Insurance Laws. c. If we cancel this policy subject to 2.a. or 2.b. above we will mail to the first Named Insured a written notice of cancellation stating the reasons for cancellation at least 1. 10 days before the effective date of can cellation if we cancel for nonpayment of premium or 2. 80 days before the effective date of can cellation if we cancel for any other rea son. 3. We will mail our notice by first class mail to the first Named Insured s last mailing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. IL 02 59 09 07 180 Properties Inc. 2006 Page 1 0of 2 a | 2 |
2. Any notice of nonrenewal will be mailed by first class mail to the first Named Insured s last mailing address known to us. A United States Postal Service Certificate of Mailing shall be sufficient proof of receipt of notice on the third calendar day after the date of the certificate of mailing. B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. C. The following is added and supersedes any provi sions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named In sured at least 60 days prior to the expiration date of this policy. IL 02 59 09 07 a ISO Properties Inc. 2006 Page 2 of 2 | 2 |
INTERLINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS EXCLUSION This endorsement modifies insurance provided under the following BUSINESSOWNERS COVERAGE FORM COMMERCIAL GENERAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART The policy does not apply to bodily injury personal injury or personal and advertising injury if defined as such in your policy or property damage including any associated clean up obligations arising out of the installation existence removal or disposal of asbestos or any substance containing asbestos fibers. 1L702810 05 Page 10f 1 | 2 |
COMMERCIAL INTERLINE IMPORTANT NOTICE TO POLICYHOLDERS Re New Federal Claim Information Reporting Requirements New federal reporting requirements for claims involving parties potentially efigible for Medicare are now in place. With your continued cooperation EMC Insurance Companies will be able to meet these new reporting responsibilities. To help us comply with the new requirements you simply need to make sure you report all claims to your agent or EMC Insurance Companies. f you choose to pay a claim or attempt to settie a claim on your own you may become responsible for these new reporting requirements. For specific information on Section 111 of the Medicare Medicaid and SCHIP Extension Act of 2007 MMSEA hhs. ep or consult with your attorney. Page 1 of 1 1L85769 09 | 2 |
COMMERCIAL GENERAL LIABILITY FUNGI OR BACTERIA EXCLUSION NOTICE TO POLICYHOLDERS RESTRICTIONS AND CLARIFICATIONS OF COVERAGE NO COVERAGE IS PROVIDED BY THIS POLICYHOLDER NOTICE NOR CAN IT BE CONSTRUED TO REPLACE ANY PROVISIONS OF YOUR POLICY. YOU SHOULD READ YOUR POLICY ALL ATTACHED ENDORSEMENTS AND THE DECLARATIONS PAGE FOR COMPLETE INFORMATION ON THE COVERAGE YOU ARE PROVIDED. IF THERE IS ANY CONFLICT BETWEEN THE POLICY AND THIS NOTICE THE PROVISIONS OF THE POLICY SHALL PREVAIL. THIS NOTICE HAS BEEN PREPARED IN CONJUNCTION WITH THE IMPLEMENTATION OF CHANGES TO YOUR POLICY. THIS NOTICE PROVIDES INFORMATION CONCERNING FUNGI OR BACTERIA EXCLUSIONS AND YOUR POLICY. PLEASE READ THIS NOTICE CAREFULLY. Please contact your agent to discuss any questions. Your right to cancel remains unchanged. CG2167 Fungi or Bacteria Exclusion Commercial General Liability Coverage Part When this endorsement is attached to your policy coverage is restricted to exclude bodily injury or property damage arising directly or indirectly out of any fungi including but not limited to mold or bacteria on or in a building or structure. coverage is clarified to exclude personal and advertising injury or personal injury or advertising injury if defined as such in your policy arising directly or indirectly out of any fungi including but not limited to mold or bacteria on or in a building or structure. This exclusion applies whether or not any other cause event material or product contributed in any sequence to the injury. coverage is restricted to exclude clean up costs associated with fungi or bacteria. The exclusion does not apply to fungi or bacteria intended for bodily consumption such as mushrooms. CG3131 Fungi or Bacteria Exclusion Owners and Contractors Protective Liability Coverage Part and Products Completed Operations Coverage Part When this endorsement is attached to your policy coverage is restricted to exclude bodily injury or property damage arising directly or indirectly out of any fungi including but not limited to mold or bacteria on or in a building or structure. This exclusion applies whether or not any other cause event material or product contributed in any sequence to the injury or damage. coverage is restricted to exclude clean up costs associated with fungi or bacteria. The exclusion does not apply to fungi or bacteria intended for bodily consumption such as mushrooms. Page 1 0f 1 Includes copyrighted material of SO Properties Inc. with its permission. CG80814 06 | 2 |
COMMERCIAL GENERAL LIABILITY 20122013 GENERAL LIABILITY MULTISTATE FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS This is a summary of the major changes to your policy. No coverage is provided by this summary nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the policy and this summary THE PROVISIONS OF THIS POLICY SHALL PREVAIL. The major areas within the policy that broaden or reduce coverage and other changes are highlighted below. This notice does not reference every editorial change made in your policy. We have followed the policy sequence of provisions in setting out this material. Please contact your agent to discuss any questions. Your right to cancel remains unchanged. COMMERCIAL GENERAL LIABILITY COVERAGE FORMS CG 000104 13 AND CG 000204 13 I. EXCLUSIONS A. BROADENING OF COVERAGE 1. Coverage A Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Coverage A Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damag es because of bodily injury. B. OTHER CHANGES 1. Coverage A Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. 2. Coverage A Exclusion 2.g. Aircraft Auto Or Watercraft is revised to delete reference to in the state. 3. Coverage A Exclusion 2.q. and Coverage B Exclusion 2.p. Recording And Distribution Of Material Or Information In Violation Of Law were previously added to your policy via mandatory endorsement. The endorsement contained an exclusion addressing injury or damage arising out of any action or omission that violates or is alleged to violate certain statutes ordinances and regulations. This exclusion has been incorporated directly into your policy. 4. Coverage B Exclusions 2.b. and 2.c. Material Published With Knowledge Of Falsity and Material Published Prior To Policy Period are revised to reference in any manner with respect to oral or written publication for consistency with the definition of personal and advertising injury. Il. CONDITIONS OTHER CHANGES Condition 4. Other Insurance is generally revised so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. Il DEFINITIONS OTHER CHANGES 1. Definition 2. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 12. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. Page 1of 14 Includes copyrighted material of ISO Properties Inc. with its permission. CG825412 13 | 2 |
OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM COVERAGE FOR OPERATIONS OF DESIGNATED CONTRACTOR CG 00 09 04 13 I. EXCLUSIONS BROADENING OF COVERAGE Exclusion 2.I. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury.. DEFINITIONS OTHER CHANGES 1. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 2. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. LIQUOR LIABILITY COVERAGE FORMS CG 00 33 04 13 AND CG 00 34 04 13 WHO IS AN INSURED BROADENING OF COVERAGE We have included trusts as Named Insureds. In addition trustees have been included as insureds but only with respect to their duties as trustees. RAILROAD PROTECTIVE LIABILITY COVERAGE FORM CG 00350413 EXCLUSIONS BROADENING OF COVERAGE Exclusion 2..3a Pollution is amended to expand the exception to the exclusion with respect to bodily injury or property damage arising out of fuel or lubricants for equipment used at the job location not just when they escape from such equipment. PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE FORM CG 00 37 04 13 AND CG 00 38 04 13. EXCLUSIONS BROADENING OF COVERAGE 1. Exclusion 2.c. Liquor Liability is revised to provide an exception with respect to allowing a person to bring alcoholic beverages onto the named insured s premises for consumption on the named insured s premises. 2. Exclusion 2.1 Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. Ii. DEFINITIONS OTHER CHANGES 1. Exclusion 2.c. Liquor Liability is revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. 2. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. CG825412 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 2 of 14 Page 20f 14 | 2 |
3. Definition 10. Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. CG 00 39 04 13 POLLUTION LIABILITY COVERAGE FORM DESIGNATED SITES CG 00 40 04 13 POLLUTION LIABILITY LIMITED COVERAGE FORM DESIGNATED SITES. EXCLUSIONS A. BROADENING OF COVERAGE Exclusion 2.p. Electronic Data is revised to introduce an exception for liability for damages because of bodily injury. B. OTHER CHANGES Exclusion Aircraft Auto Rolling Stock Or Watercraft is generally revised to reinforce that the exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured. The exclusion is also revised to express that a land motor vehicle subject to compulsory or financial respon sibility laws or other motor vehicle insurance laws will not be covered with respect to its over the road exposures. Il. DEFINITIONS OTHER CHANGES 1. Exclusion 2.j. Aircraft Auto Rolling Stock Or Watercraft is revised to delete reference to in the state. CG 00 40 only 2. Definition 1. Auto is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 3. Definition Mobile Equipment is revised to delete reference to in the state with respect to where a vehicle is licensed or principally garaged. 1ISO MULTISTATE ENDORSEMENTS A. BROADENING OF COVERAGE 1. Electronic Data Liability Endorsement CG 04 37 is revised to introduce an exception to the electronic data exclusion in order to provide that the exclusion does not apply to liability for damages because of bodily injury. 2. Additional Insured Owners Lessees Or Contractors Automatic Status For Other Parties When Required In Written Construction Agreement Endorsement CG 20 38 is introduced to provide additional insured status to those parties whom the named insured is obligated in writing in a contract or agreement to name as an additional insured. 3. Druggists Endorsement CG 22 69 is revised to introduce an exception for the administering of vaccinations 4. Liquor Liability Bring Your Own Alcohol Establishments Endorsement CG 24 06 is introduced to provide coverage to insureds who permit any person to bring any alcoholic beverage on an insured s premises for consumption on the insured s premises. B. REDUCTIONS OF COVERAGE 1. Additional Insured Users of Golfmobiles Endorsement CG 20 08 is revised to include a definition of the term golfmobile. 2. Liquor Liability Exclusion Endorsements The following endorsements are revised to indicate that the liquor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured s premises for consump tion on the named insured s premises CG 21 50 Amendment Of Liguor Liability Exclusion for use with Commercial General Liability Cover age Form CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Form e CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Form CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Form CG825412 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 3of 14 Page3of 14 | 2 |
3. Total Pollution Exclusion For Designated Products Or Work Endorsement CG 21 99 is introduced to exclude coverage with respect to bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants which arises out of the product or work scheduled in the endorsement. Amendment Of Personal And Advertising Injury Definition Endorsement CG 24 13 is introduced to remove from the definition of personal and advertising injury the offense of oral and written publication in any manner of material that violates a person s right of privacy. C. OTHER CHANGES 1. Limited Product Withdrawal Expense Endorsement CG 04 36 is revised in part to reinforce that the Participation Percentage is indicated in the Schedule and to reflect that the cost of the insured s participation in each product withdrawal will be borne by the named insured when due. Primary And Noncontributory Other Insurance Condition Endorsement CG 20 01 is introduced to revise the Other insurance Condition to indicate that coverage is provided to an additional insured on a primary and noncontributory basis provided that certain requirements are met. Additional Insured Endorsements The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less CG 20 03 Additional Insured Concessionaires Trading Under Your Name e CG 20 05 Additional Insured Controlling Interest e CG 20 07 Additional Insured Engineers Architects Or Surveyors CG 20 10 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG 20 11 Additional Insured Managers Or Lessees Of Premises CG 20 12 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations CG 20 13 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations Relating To Premises CG 20 15 Additional Insured Vendors CG 20 18 Additional Insured Mortgagee Assignee Or Receiver CG 20 23 Additional Insured Executors Administrators Trustees Or Beneficiaries CG 20 24 Additional Insured Owners Or Other Interest From Whom Land Has Been Leased CG 20 26 Additional Insured Designated Person Or Organization CG 20 27 Additional Insured Co owner Of Insured Premises CG 20 28 Additional Insured Lessor Of Leased Equipment CG 20 29 Additional Insured Grantor Of Franchise CG 20 30 Oil Or Gas Operations Nonoperating Working Interests CG 20 31 Additional Insured Engineers Architects Or Surveyors CG 20 32 Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG 20 33 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG 20 34 Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You CG 20 35 Additional Insured Grantor Of Licenses Automatic Status When Required By Licensor CG 20 36 Additional Insured Grantor Of Licenses CG 20 37 Additional Insured Owners Lessees Or Contractors Completed Operations CG 29 35 Additional Insured State Or Governmental Agency Or Subdivision Or Political Subdivision Permits Or Authorizations Page 4 of 14 Includes copyrighted material of ISO Properties Inc. with its permission. G825412 13 | 2 |
4. Professional Services Endorsements The following endorsements are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or menitoring of others by any insured CG 2116 Exclusion Designated Professional Services CG 21 52 Exclusion Financial Services CG 2156 Exclusion Funeral Services e CG 21 57 Exclusion Counseling Services CG 2158 Exclusion Professional Veterinarian Services e CG 21 59 Exclusion Diagnostic Testing Laboratories e CG 22 24 Exclusion Inspection Appraisal And Survey Companies CG 22 32 Exclusion Professional Services Blood Banks CG 22 33 Exclusion Testing Or Consulting Errors And Omissions CG 22 34 Exclusion Construction Management Errors And Omissions CG 22 36 Exclusion Products And Professional Services Druggists e CG 22 37 Exclusion Products And Professional Services Optical And Hearing Aid Establishments s CG 22 39 Exclusion Camps Or Campgrounds CG 22 43 Exclusion Engineers Architects or Surveyors Professional Liability s CG 22 44 Exclusion Services Furnished By Health Care Providers CG 22 45 Exclusion Specified Therapeutic Or Cosmetic Services CG 2248 Exclusion Insurance And Related Operations e CG 2269 Druggists CG 2271 Colleges Or Schools Limited Form CG 2272 Colleges Or Schools CG 2275 Professional Liability Exclusion Computer Software CG 22 76 Professional Liability Exclusion Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities CG 2277 Professional Liability Exclusion Computer Data Processing CG 2279 Exclusion Contractors Professional Liability CG 2280 Limited Exclusion Contractors Professional Liability s CG 22 87 Exclusion Adult Day Care Centers CG 22 88 Professional Liability Exclusion Electronic Data Processing Services And Computer Consulting Or Programming Services CG 22 90 Professional Liability Exclusion Spas or Personal Enhancement Facilities s CG 22 91 Exclusion Telecommunication Equipment Or Service Providers Errors And Omissions CG 22 96 Limited Exclusion Personal And Advertising Injury Lawyers CG 22 98 Exclusion Internet Service Providers And Internet Access Providers Errors And Omissions s CG 2299 Professional Liability Exclusion Web Site Designers CG 23 01 Exclusion Real Estate Agents Or Brokers Errors Or Omissions CG 31 15 Construction Project Management Protective Liability Coverage 5. Exclusion Volunteer Workers Endorsement CG 21 66 is revised to delete reference to in the state from Exclusion 2.g. Aircraft Auto Or Watercraft. 6. Exclusion Failure To Supply Endorsement CG 22 50 is revised to expressly state that the exclusion also applies to the failure of any insured to adequately supply biofuel. 7. Pesticide Or Herbicide Applicator Coverage Endorsement CG 22 64 and CG 28 12 and Lawn Care Services Coverage Endorsement CG 22 93 are revised to reflect a change in titles to Pesticide Or Herbicide Applicator Limited Pollution Coverage and Lawn Care Services Limited Pollution Coverage. 8. Real Estate Property Managed Endorsement CG 22 70 is revised to reinforce that the insurance provided is excess over any other insurance available whether such insurance is primary or excess. CG825412 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 5 of 14 Page5of 14 | 2 |
9. Colleges Or Schools Endorsement CG 22 71 and CG 22 72 are revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. 10. Waiver Of Governmental Immunity Endorsement CG 24 14 is revised to reference that the endorsement also applies to the Owners And Contractors Protective Liability Coverage Form and the Railroad Protective Liability Coverage Form. 11. Amendment Of Insured Contract Definition Endorsement CG 24 26 and Limited Contractual Liability Railroads Endorsement CG 24 27 are revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another party to the extent the assumption of the tort liability is permitted by law. 12. Designated Locationss Aggregate Limit Endorsement CG 25 14 is introduced to make a separate Designated Location Aggregate Limit available for each location of the insured listed in the Schedule of the endorsement. 13. Supplemental Extended Reporting Period Endorsement CG 27 10 and Supplemental Extended Reporting Period Endorsement For Specific Accidents Products Work Or Locations Endorsement CG 27 11 are revised to amend Condition 4. Other Insurance so that the insurance provided is excess over any for which the named insured has been added as an additional insured whether by endorsement or any other means. 14. Principals Protective Liability Coverage Endorsement CG 28 07 is revised to delete reference to in the state from Exclusion 2.c.1ei. 15. Liquor Liability Exclusion Endorsements The following endorsements are revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide to transportation with respect to any person that may be under the influence of alcohol CG 21 50 Amendment Of Liquor Liability Exclusion for use with Commercial General Liability Coverage Form CG 21 51 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Commercial General Liability Coverage Form e CG 29 52 Amendment Of Liquor Liability Exclusion for use with Products Completed Operations Liability Coverage Form CG 29 53 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities for use with Products Completed Operations Liability Coverage Form ISO STATE SPECIFIC ENDORSEMENTS A. REDUCTION OF COVERAGE 1. Liquor Liability Exclusion Endorsements The following state specific endorsements are revised to indicate that the liquor liability exclusion will apply if a named insured permits any person to bring any alcoholic beverages on the named insured s premises for consumption on the named insured s premises. CG2601 Washington Changes Amendment Of Liquor Liability Exclusion CG2602 Washington Changes Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities CG2962 Washington Changes Amendment Of Liquor Liability Exclusion CG2963 Washington Changes Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities B. OTHER CHANGES 1. Connecticut Employee Benefits Liability Coverage CG2721 is revised with respects to an insured s right to claim information per Conn. Gen. Stat. 38a326. Claims information will now be provided no later than 30 days after receipt of a written request from the First Named Insured or the First Named Insured s agent. 2. Limited Product Withdrawal Expense Endorsements Revised The following state specific endorsements are amended as follows The reference to to effect settlement of any claim or suit in Paragraph B.3.a. is deleted since the Insuring Agreement of the endorsement addresses coverage for product withdrawal expense not claims or suits. Paragraph B.3.b. is also revised to reinforce that the Participation Percentage is indicated in the Schedule of the endorsement rather than the Declarations. Reference to loss is revised to explicitly refer to each product withdrawal. CG825412 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 6 of 14 Page 6 of 14 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
Several editorial changes are made to remove the Limits of Insurance from the Schedule and to conform to 1SO Uniformity Standards. e CG0470 Missouri Limited Product Withdrawal Expense Endorsement CG0449 Texas Changes Limited Product Withdrawal Expense Endorsement Limited Product Withdrawal Expense Endorsements New The following state specific endorsements are new and are replacing multistate endorsement Limited Product Withdrawal Expense CG0436. They include the same changes as stated above under ISO MULTISTATE ENDORSEMENTS OTHER CHANGES Paragraph 1. CG0462 Arkansas Limited Product Withdrawal Expense Endorsement CG2727 Kansas Limited Product Withdrawal Expense Endorsement In addition CG0462 is different from CG0436 in that it includes a definition of punitive damages as required by Ark. Code. Ann. 23 79 307. CG2727 is different from CG0436 in that it includes a Concealment and Fraud provision that more closely reflects the definition of a fraudulent insurance act in Kan. Stat. Ann. 40 2 118a Arkansas Changes Punitive Damages CG3147 is a new mandatory endorsement and includes a definition of punitive damages as required by Ark. Code Ann. 23 79 307. Missouri Changes Medical Payments CG2650 has several editorial changes made to reletter paragraphs within the endorsement and to conform with ISO Uniformity Standards. Liquor Liability Exclusion Endorsements The following state specific endorsements are revised to reinforce that the exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. CG2601 Washington Changes Amendment Of Liquor Liability Exclusion CG2602 Washington Changes Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities CG2962 Washington Changes Amendment Of Liquor Liability Exclusion e G2963 Washington Changes Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities The following state specific endorsement is new and may replace multistate endorsement Liquor Liability Exclusion Exception for Scheduled Activities Endorsement CG2151 on your policy. This exclusion applies even if claims against an insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others or providing or failing to provide transportation with respect to any person that may be under the influence of alcohok s G2129 New Hampshire Amendment Of Liquor Liability Exclusion Exception For Scheduled Activities Pesticide or Herbicide Applicator Endorsements The following state specific endorsements are revised to reflect a change in titles to include Limited Pollution. This is being done to better reflect the coverage provided by the endorsement. CG0157 North Carolina Changes Pesticide Applicator And Dealer Limited Poliution Coverage CG2687 Ohio Pesticide Applicator Limited Pollution Coverage CG2616 Pennsylvania Changes Pesticide Applicator Limited Pollution Coverage CG0156 Texas Changes Pesticide Or Herbicide Applicator Limited Pollution Coverage Amendment of Insured Contract Definition Endorsements Amendment of Insured Contract Definition Endorsement CG2426 is revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another party but only to the extent the assumption of the tort liability is permitted by law. This is a clarification of underwriting intent although some may view it as a reduction in coverage. Due to this revision state specific endorsements are no longer necessary. The following endorsements are being withdrawn and CG2426 is filed in their place CG3224 Colorado Changes Amendment Of insured Contract Definition CG3133 lowa Changes Amendment Of Insured Contract Definition e CG3260 Oregon Changes Amendment Of Insured Contract Definition CG3390 Texas Changes Amendment Of Insured Contract Definition Page 7 of 14 Includes copyrighted material of ISO Properties Inc. with its permission. CG825412 13 | 2 |
10. 1. 12. Limited Contractual Liability Railroads Endorsements Limited Contractual Liability Railroads Endorsement CG2427 is revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another party but only to the extent the assumption of the tort liability is permitted by law. Due to this revision state specific endorsements are no longer necessary. The following endorsements are being withdrawn and CG2427 is filed in their place. CG3154 lowa Changes Limited Contractual Liability Railroads CG3265 Oregon Limited Contractual Liability Raifroads Vermont Changes Pollution CG0154 is revised to amend the Aircraft Auto or Watercraft exclusion in the Commercial General Liability Coverage Form to delete reference to in the state when referring to where a vehicle is principally garaged. Oklahoma Changes Additional Insured Engineers Or Architects CG0158 is revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. Additionally if coverage provided to the additional insured is required by contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. Finally it is revised to expressly address in part claims alleging negligence or other wrongdoing in the hiring employment training supervision or monitoring of others by any insured. Additional Insured Endorsements The following state specific additional insured endorsements will be withdrawn and replaced by an equivalent multistate additional insured endorsement. State specific additional insured endorsements are no longer needed due to changes that have been made to the multistate additional insured endorsements. They have been revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured Additionally if coverage provided to the additional insured is required by contract or agreement the Limits of Insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of insurance shown in the Declarations whichever is less. CG3293 California Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG3294 California Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG3295 California Additional Insured Owners Lessees Or Contractors Completed Operations CG3225 Colorado Additional Insured Engineers Architects Or Surveyors CG3226 Colorado Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG3227 Colorado Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG3228 Colorado Additional Insured Owners Lessees Or Contractors Completed Operations G3229 Colorado Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG3276 Kansas Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG3277 Kansas Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You s CG3278 Kansas Additional Insured Owners Lessees Or Contractors Completed Operations e CG3279 Kansas Additional Insured Vendors CG3280 Kansas Additional Insured Grantor Of Franchisee CG3281 Kansas Additional Insured Engineers Architects Or Surveyors Page 8 of 14 Includes copyrighted material of 1SO Properties Inc. with its permission. CGB25412 13 | 2 |
CG3282 Kansas Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG3283 Kansas Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You CG3284 Kansas Additional Insured Lessor Of Leased Equipment CG3286 Montana Additional Insured Engineers Architects Or Surveyors CG3287 Montana Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG3288 Montana Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG3289 Montana Additional insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG3290 Montana Additional Insured Owners Lessees Or Contractors Completed Operations CG3204 New Mexico Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG3205 New Mexico Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You CG3212 New Mexico Additional Insured Owners Lessees Or Contractors Completed Operations CG3261 Oregon Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organization CG3262 Oregon Additional Insured Owners Lessees Or Contractors Automatic Status When Required in Construction Agreement With You CG3263 Oregon Additional Insured Owners Lessees Or Contractors Completed Operations CG3391 Texas Additional Insured Engineers Architects Or Surveyors CG3392 Texas Additional Insured Engineers Architects Or Surveyors Not Engaged By The Named Insured CG3393 Texas Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Agreement With You C G3394 Texas Additional Insured Owners Lessees Or Contractors Completed Operations CG3395 Texas Additional Insured Owners Lessees Or Contractors Scheduled Person or Organiza tion CG3396 Texas Additional Insured Lessor Of Leased Equipment CG3397 Texas Additional Insured Lessor Of Leased Equipment Automatic Status When Required In Lease Agreement With You EMC MULTISTATE ENDORSEMENTS A. BROADENING OF COVERAGE Water Well Drillers Limited Pollution Coverage Work Site CG7658 is revised to introduce an exception to the Electronic Data Exclusion to provide that the exclusion does not apply to liability for damages because of bodily injury. B. REDUCTION OF COVERAGE Exclusion Lead CG7185 replaces CG7194. They are basically the same however CG7185 may be viewed as a slightly broader exclusion. C. OTHER CHANGES 1. 2. Endorsement CG7103 is amended to correct the name and address of the government entity where cancellation information should be sent. Emergency Medical Services CG7110.1 is amended to change the current defined term certified employees and volunteers to a defined phrase certified employees or volunteers. Trampoline Exclusion CG7114.1 is amended to correct a typographical error. We are changing Section 1 to Section 1. Pollution Exclusion Amendment CG7144 is amended to enhance the readability of the endorsement. We are adding a colon and inserting a iv to indicate that a new paragraph is being added to the Pollution Exclusion f within the Commercial General Liability Coverage Form. Page9of 14 Includes copyrighted material of ISO Properties Inc. with its permission. CG825412 13 | 2 |
10. 11 12. Total Pollution Exclusion Endorsement With A Building Heating. Cooling And Dehumidifying Equipment Exception A Hostile Fire Exception And A Limited Mobile Equipment Exception CG7171 is amended by the addition of quotation marks around the word suit as this is a defined term under the Commercial General Liability Coverage Form. Broad Form Products Coverage CG7176 is amended by the addition of quotation marks around the phrase your product as this is a defined phrase under the Commercial General Liability Coverage Form. We are also correcting grammatical errors. Exclusion Lead CG7185 is revised and the format now more closely tracks with language that ISO uses for many similar exclusions such as Silica. Although the language is changing the underwriting intent is not and it is neither a reduction nor broadening of coverage. Also in Oklahoma this endorsement replaces CG7185.1. They are the same form except CG7185.1 has a signature line while CG7185 does not. Community Colleges Liability CG7514 is revised by replacing the insured with any insured. This only applies to the second paragraph of Exclusion g. within this endorsement. Although this is a clarification of underwriting intent it may be viewed as a reduction in coverage. Continuous and Progressive Injury or Damage Endorsements We are revising the following endorsements to remove the reference to Exclusion q. as the Commercial General Liability Coverage Form already has another exclusion designated as g. We will leave this exclusion without a letter in order to avoid future confusion when ISO adds new exclusions to this coverage form. CG7515 Continuous of Progressive Injury or Damage Exclusion e CG7515.1 Continuous or Progressive Injury or Damage Exclusion Continuous Or Progressive Injury Or Damage Exclusion CG7515.2 is revised to remove the reference to Exclusion q. as the Commercial General Liability Coverage From already has ancther exclusion designated as g. We will leave this exclusion without a letter in order to avoid future confusion when ISO adds new exclusions to this coverage form. Amendment of Liquor Liability Exclusion CG7456 is revised to state that even if the claims against any insured allege the negligence or other wrongdoing in the Supervision hiring employment training or monitoring of others or Providing or failing to provide transportation with respect to any person that may be under the influ ence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraphs 1 2 and 3 of this exclusion. This is a clarification of coverage. However this change may result in a reduction in coverage in states where courts have ruled that the liquor liability exclusion is inappli cable for liquor related claims alleging an insured s negligent supervision of employees handling alcohol failure to detain an intoxicated person or failure to provide transportation. Professional Services Exclusion Wording To reinforce the Professional Services exclusion within the following endorsements we are enhancing the exclusion to expressly address in part claims alleging negligence or other wrongdoing in the hiring em ployment training or supervision or monitoring of others by any insured. This is a reinforcement of coverage intent. However this change may result in a reduction in coverage in states where courts have ruled profes sional services exclusions to be inapplicable to negligent supervision claims and other similar types of claims CG7491 Health Care Extension CG7498 Exclusion Services Furnished By Health Care Providers With An Exception For Emer gency Medical Services CG7514 Community Colleges Liability CG7519 Exclusion Designated Professional Services CG7520 Exclusion Designated Professional Services CG7521 Exclusion Designated Professional Services CG7649 Additional Insured Engineers Architects Surveyors Not Engaged By You Automatic Status When Required In A Written Contract Or Agreement With You Primary And Noncontributory CG7560 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In A Written Construction Contract Primary And Noncontributory CG7661 Emergency Medical Services Personnel CG7662 Emergency Medical Services Personnel CG7680 Manufacturer s Errors Or Omissions CG825412 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10 of 14 Page 10 of 14 | 2 |
s CG7680.1 Manufacturer s Errors Or Omissions s CG7680.2 Manufacturer s Errors Or Omissions CG7680.3 Manufacturer s Errors Or Omissions CG7680.4 Manufacturer s Errors Or Omissions CG7680.5 Manufacturer s Errors Or Omissions CG7680.6 Manufacturer s Errors Or Omissions CG7680.7 Manufacturer s Errors Or Omissions CG7680.8 Manufacturer s Errors Or Omissions 13. Amendment Insured Contract Definition CG7504 is revised to reflect that the defined term insured contract addresses certain liability assumed by the named insured with respect to the tort liability of another party but only to the extent that assumption of the tort liability is permitted by law. This is in response to the growing number of states enacting anti indemnification laws. This is a clarification of underwriting intent although some may view it as a reduction in coverage. 14. Exclusion Designated Work Endorsement CG7522.2 is replaced by CG7522. They are the same form except CG7522.2 has a signature line while CG7522 does not. 15. Exclusion Designated Work Endorsement CG7522.3 is replaced by CG7522.1 does not. They are the same form except CG7522.3 has a signature line while CG7522.1 does not. 16. Blanket Waiver Of Subrogation When Required In A Contract Or Agreement CG7555 is revised to state that this change is in addition to the policy language rather than in place of. 17. Wholesalers Industry Extension Endorsement CG7576 and Manufacturers Industry Extension Endorsement CG7577 are revised to delete phrase to effect settiement of any claim or suit from Paragraph B.3.a. because the Insuring Agreement of the endorsements address coverage for products withdrawal expense not claims or suits. In additional Paragraph B.3.b. is revised to reinforce that the Participation Percentage is indicated in the Schedule of the endorsement rather than the Declarations. Additionally reference to loss is revised to explicitly refer to each product withdrawal and several editorial changes are made to remove the Limits of Insurance from the Schedule and to conform to 1SO Uniformity Standards. 18. Municipal And or Volunteer Fire Department Liability Endorsement CG7636 is amended by the addition of quotation marks around the word occurrence as this is a defined term under the Commercial General Liability Coverage Form. 19. Municipal Liability Endorsement CG7640 is amended by the addition of quotation marks around the word occurrence as this is a defined term under the Commercial General Liability Coverage Form. 20. Exclusion Injury Arising From A Non Owned Animal CG7672 is revised by replacing medical payments with medical expenses. Medical payments is not a defined term under the Commercial General Liability Coverage Form. 21. Lead Liability Limited Coverage IL7092 is amended by the addition of quotation marks around the word suit as this is a defined term under the Commercial General Liability Coverage Form. 22. Additional Insured Endorsements without Primary and Noncontributory Wording The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will only be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. This is a clarification of underwriting intent although some may view it as a reduction in coverage. Additionally if coverage provided to the additional insured is required in a contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. This is a clarification of underwriting intent although some may view it as a reduction in coverage. CGT7120 Additional Insured Scheduled Person Or Organization Pick Up Or Delivery Of Prod ucts Or Materials CGT7193 Additional Insured Owners Lessees Or Contractors Including Completed Operations CG7571 Additional Insured Owners Lessees Or Contractors Completed Operations CG7582 Additional Insured Vendors Automatic Status When Required In A Written Contract Or Agreement CG7585 Additional Insured Consolidated Wrap Up Insurance Program While Away From The Wrap Up Location CG826412 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 110f 14 Page 110f 14 | 2 |
23. Additional Insured Endorsements with Primary and Noncontributory Wording The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law and to the extent the named insured is required by the contract or agreement to provide insurance for the additional insured. This is a clarification of underwriting intent although some may view it as a reduction in coverage. Additionally if coverage provided to the additional insured is required in a contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. This is a clarification of underwriting intent although some may view it as a reduction in coverage. We are replacing the current Primary and Noncontributory wording with the new wording that ISO is introducing with endorsement Primary and Noncontributory Other Insurance Condition CG2001. The only difference is that 1SO s wording requires that the additional insured be a named insured on another insur ance policy available to them and that a written contract or agreement has been entered into by the insured stating that the insured s policy will be primary and will not seek contribution from any other insurance available to the additional insured. This is a clarification of underwriting intent although some may view it as a reduction in coverage. CG7120.1 Additional Insured Scheduled Person Or Organization Pick Up Or Delivery Of Prod ucts Or Materials Primary And Noncontributory CG7174 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Construction Contract Or Agreement Primary And Noncontributory CG7174.3 Additional Insured Owners Lessees Or Contractors Automatic Status When Re quired In Construction Contract Or Agreement Including Completed Operations Primary And Noncontributory CG7184 Additional Insured Managers Or Lessors Of Premises Automatic Status When Re quired In Written Contract Or Agreement Primary And Noncontributory G7193.1 Additional Insured Owners Lessees Or Contractors Including Completed Operations Primary And Noncontributory CG7411 Additional Insured Persons Or Organizations Automatic Status When Required In Written Contract Or Agreement Primary And Noncontributory o CGT7477 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organiza tion Primary And Noncontributory CG7477.2 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organi zation Primary And Noncontributory o CG7478 Additional Insured Managers Or Lessors Of Premises Primary And Noncontributory CG7482 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In Written Construction Contract Or Agreement Vicarious Liability Primary And Noncontributory CG7593 Additional Insured Owners Or Other Interests From Whom Land Has Been Leased Primary And Noncontributory CG7649 Additional Insured Architects Engineers Or Surveyors Not Engaged By You Automat ic Status When Required In A Written Contract With You Primary And Noncontributory CGT7650 Additional Insured Owners Lessees Or Contractors Automatic Status When Required In A Written Construction Contract Primary And Noncontributory 24. Additional Insured Vicarious Liability Endorsements without Primary and Noncontributory Wording The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law or to the extent of the named insured s vicarious liability whichever is less. Additionally if coverage provided to the additional insured is required in a contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. This is a clarification of underwriting intent although some may view it as a reduction in coverage. Page 120f 14 Includes copyrighted material of ISO Properties Inc. with its permission. G825412 13 | 2 |
e CG7480 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organiza tion Vicarious Liability CG7483 Additional Insured Owners Lessees Or Contractors Including Completed Operations Vicarious Laibility CG7501 Additional Insured Designated Person Or Organization Vicarious Liability CG7544 Additional Insured Designated Person Or Organization Vicarious Liability CG7559 Additional Insured Managers Or Lessors Of Premises Vicarious Liability CG7560 Additional Insured Schedule Person Or Organization Pick Up Or Delivery Of Products Or Materials Vicarious Liability 25. Additional Insured Vicarious Liability Endorsements with Primary and Noncontributory Wording The following additional insured endorsements are revised to indicate that when these endorsements are attached to a policy if coverage provided to the additional insured is required by contract or agreement coverage to the additional insured will be afforded to the extent permissible by law or to the extent of the named insured s vicarious liability whichever is less. Additionally if coverage provided to the additional insured is required in a contract or agreement the limits of insurance of the named insured s policy that are available to an additional insured will be limited to the extent required by the contract or agreement or the amount of insurance available under the applicable Limits of Insurance shown in the Declarations whichever is less. This is a clarification of underwriting intent although some may view it as a reduction in coverage. We are replacing the current Primary and Noncontributory wording with the new wording that ISO is introducing with endorsement Primary and Noncontributory Other Insurance Condition CG2001. The only difference is that ISO s wording requires that the additional insured be a named insured on another insur ance policy available to them and that a written contract or agreement has been entered into by the insured stating that the insured s policy will be primary and will not seek contribution from any other insurance available to the additional insured. This is a clarification of underwriting intent although available to the additional insured. This is a clarification of underwriting intent aithough some may view it as a reduction in coverage. CG7479 Additional Insured Owners Lessees Or Contractors Scheduled Person Or Organiza tion Vicarious Liability Primary And Noncontributory CG7482.3 Additional Insured Owners Lessees Or Contractors Automatic Status When Re quired In Written Construction Contractor Or Agreement Including Completed Operations Vicarious Liability Primary And Noncontributory CG7483.1 Additional Insured Owners Lessees Or Contractors Including Completed Operations Vicarious Liability Primary And Noncontributory CG7501.1 Additional Insured Designated Person Or Organization Vicarious Liability Primary And Noncontributory CG7559.1 Additional Insured Managers Or Lessees Of Premises Vicarious Liability Primary And Noncontributory CG7560.1 Additional Insured Scheduled Person Or Organization Pick Up Or Delivery Of Prod ucts Or Materials Vicarious Liability Primary And Noncontributory EMC STATE SPECIFIC ENDORSEMENTS A. OTHER CHANES 1. 2. Extension of Who Is An Insured Kansas Schools and Community Colleges CG7311 is amended to correct punctuation errors. Pollution Exclusions The following pollution exclusions are amended to add quotation marks around the word suit as this is a defined term within the Commercial General Liability Coverage Form. CG7401 lowa Total Pollution Exclusion Endorsement CG7402 lowa Total Pollution Exclusion With A Hostile Fire Exception Wholesalers Industry Extension and Manufacturers Industry Extension Endorsements The following state specific endorsements are new and are replacing Wholesalers Industry Extension Endorsement CG7576 and Manufacturers Industry Extension Endorsement CG7577. They include the same changes that were made to CG7576 and CG7577. Refer to EMC MULTISTATE ENDORSEMENTS OTHER CHANGES Paragraph 17. G825412 13 Includes copyrighted material of ISO Properties Inc with its permission. Page 13 of 14 Page 13of 14 G825412 13 | 2 |
CG7576.1 Wholesalers Industry Extension Kansas CG7576.2 Wholesalers Industry Extension Arkansas CG7576.3 Wholesalers Industry Extension Texas s CG7576.4 Wholesalers Industry Extension Missouri CG7577.2 Manufacturers Industry Extension Arkansas e CG7577.3 Manufacturers Industry Extension Texas CG7577.4 Manufacturers Industry Extension Missouri In addition CG7576.1 is different from CG7576 in that it includes a Concealment and Fraud provision that more closely reflects the definition of a fraudulent insurance act in Kan. Stat. Ann. 40 2 118a. CG7576.2 and CG7577.2 are different from CG7576 and CG7577 respectively in that they include a definition of punitive damages as required by Ark. Code. Ann. 23 79 307. CG7576.3 and CG7577.3 are different from CG7576 and CG7577 respectively in that they include the Prompt Payment of Claims provisions of Texas Ins. Code. Ann. 542.051 542.061. CG7576.4 and CG7577.4 are different from CG7576 and CG7577 respectively in that they include a provision which reflects that failure to report expenses to the insurer will not invalidate a claim unless such failures operate to prejudice the insurer s rights. This is response to MO. Code Regs. 20 CSR 100 1.020. Manufacturers Industry Extension Endorsment Kansas CG7577.1 includes the same changes that were made to CG7577. Refer to EMC MULTISTATE ENDORSEMENTS OTHER CHANGES Paragraph 17. Page 14 of 14 Includes copyrighted material of ISO Properties Inc. with its permission. CG825412 13 | 2 |
A EMC Insurance Companies EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC EFF DATE 042814 EXP DATE 042815 TERM 1.000 SIMPLIFIED COMMERCIAL GENERAL LIABILITY RATING WORKSHEET ek ke kR ko ko k ok ko ok ko ok ok ko ok kR kR kR Rk Ak Ak kK kR ok kR Rk kK ACCOUNT DOMICILE STATE NE LIMITS OF LIABILITY GEN AGGR LIM 2000000 PROD COMPL OPS 2000000 EACH OCC LIM 1000000 EBL COVERAGE CLAIMS MADE 1000000 EACH EMPLOYEE 2000000 AGGREGATE LOCATION 001 SUB 334 ST NE TERR 502 NET ANNUAL PRO TERM CLASS BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE RATE PREM SCHED cc SSRP 0.600 X EXPER 0.600 X ER 1.000 X PKG 0.900 X OTHER 0.990 MOD 0.321 16527 0.179 2 1.44 0.321 0.083 IF ANY 0 63010 35.712 2 1.44 0.321 16.507 1 17 91250 7.238 3 1.68 0.321 3.903 IF ANY 0 91580 13.613 3 1.68 0.321 7.341 45000 330 91581A 0.470 3 1.68 0.321 0.254 IF ANY 0 91583A 0.470 2 1.24 0.321 0.217 IF ANY 0 91585A 0.300 3 1.68 0.321 0.162 313300 51 94007 27.840 2 1.44 0.321 12.869 IF ANY 0 98482 9.658 2 1.44 0.321 4.464 970000 4330 98820 22.272 2 1.44 0.321 10.295 18900 195 99946 17.606 2 1.44 0.321 8.138 IF ANY 0 SUB 334 ST NE TERR 999 SCHED cc SSRP 1.000 X EXPER 1.000 X ER 1.000 X PKG 0.900 X OTHER 1.000 MOD 0.900 87224 1 25 87654 1 200 87711 1 50 87741 1 150 87747 1 50 87748 1 250 87780 1 350 87786 1 175 87808 1 200 87830 1 746 LOCATION SUBLINE TOTAL 7119 SUB 336 ST NE TERR 999 NET ANNUAL PRO TERM CLASS BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE RATE PREM SCHED cc SSRP 0.600 X EXPER 0.600 X ER 1.000 X PKG 0.900 X OTHER 0.990 MOD 0.321 16527 1.018 B 1.65 0.321 0.539 IF ANY 0 DATE OF ISSUE 031314 BPP CONTINUED WORK GL BPP 022714 003 LN 4D71311 1501 HEP INC EFF DATE 042814 EX LOCATION 001 UB 334 ST NE TERR 502 NET ANNUAL PRO TERI ILASSY BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE RATE PREI DOBRNOOOIWa 37654 37711 37741 37747 37748 37780 37786 37808 37830 e S LOCATION SUBLINE TOTAL SUB 336 ST NE TERR 999 NET ANNUAL BASE XCU X EXC X LIM DED X MOD RATE EXPOSURE 7119 PRO RATE TERI PRE | 2 |
A EMC Insurance Companies PAGE 2 EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC 14 EXP DATE 042815 91250A 17.780 B 0.321 9.417 IF ANY 91581A 0.400 B 0.321 0.212 IF ANY 91583A 0.260 0.321 0.160 IF ANY 91585A 0.260 c 0.321 0.160 313300 94007 21.504 B 0.321 11.390 IF ANY 98482 23.232 B 0.321 12.305 970000 98820 12.154 a 0.321 5.696 18900 99946 12.230 B 1.65 0.321 6.478 IF ANY LOCATION SUBLINE TOTAL SUB EBL ST NE TERR 999 BASE DED CLMS SCHED OTH NET ANNUAL CLASS W ILF X FCTR X FCTR X SSRP X MOD RATE EXPOSURE 87825 220 1.000 1.000 0.600 0.990 130.680 27 LOCATION SUBLINE TOTAL ADDITIONAL INTEREST cLass FLT PRO SUB CLASS PREMIUM RATE CHG RATE 1334 98482 4330 50 2334 98482 4330 75 3334 98482 4330 4334 98482 4330 25 5334 98482 4330 TERRORISM CHARGE ST TIER STATE TIER PREMIUM FACTOR NE 3 19494 0.008 TOTAL POLICY TERM PREMIUM DATE OF ISSUE 031314 BPP 0 0 50 o 11936 108 0 12094 PRO TERM RATE PREM 131 131 TERM PREM 50 75 0 25 0 TERM PREM 156 19650.00 WORK GL BPP 022714 003 LN 4D71311 1501 A 91581A 0.400 B 91583A 0.260 c 91585A 0.260 c 94007 21.504 B 98482 23.232 B 98820 12.154 a 99946 12.230 B SUB EBL ST NE TERR 999 BASE DED cLMS LASS W ILF X FCTR X FCTR 37825 220 1.000 1.000 ODITIONAL INTEREST CLASS SUB CLASS PREMIUM 1334 98482 4330 2334 98482 4330 3334 98482 4330 4334 98482 4330 5334 98482 4330 RRORISM CHARGE STATE TIER NE 3 s Mo e EsL s SRR 1.65 0.321 0.212 IF ANY 1.91 0.321 0.160 IF ANY 1.91 0.321 0.160 313300 1.65 0.321 11.390 IF ANY 1.65 0.321 12.305 970000 1.46 0.321 5.696 18900 1.65 0.321 6.478 IF ANY LOCATION SUBLINE TOTAL SCHED OTH NET ANNUAL X SSRP X MOD RATE EXPOSURE 0.600 0.990 130.680 27 LOCATION SUBLINE TOTAL FLT PRO RATE CHG RATE 50 75 25 ST TIER PREMIUM FACTOR 19494 0.008 TOTAL POLICY TERM PREMIUM 0 50 o 11936 108 0 12094 PRO TERI RATE PREI 131 131 TERM PREM 50 75 0 25 0 TERM PREM 156 19650.00 nan nan nan nan 12094.0 FLT CHG 50 75 PRO RATE TERM PREM RATE nan nan nan nan 25.0 TERM PREM 156 19650.00 | 2 |
A EMC Insurance Companies EMCASCO INSURANCE COMPANY POLICY NO 4D7 13 11 15 HEP INC TRANSACTIO RENEWAL01 PRIOR POL 4D7 13 11 TRANSACTION INFORMATION POLICY TERM 04282014 TO 04282015 TRANS DATE 04282014 ACCOUNT NAME HEP INC CO BR AGENT B B8210 ACCOUNT MAILING STATE NE PROGRAM FINANCING Y BILLING METHOD A AUDIT FREQUENCY A PROFIT SHARE Y SIC 1794 ACCOUNT ORIGINAL EFF DATE 04282010 TYPE OF POLICY CONTR 38 TRANS PREMIUM 19650.00 POLICY ID BA COMMISSION 15.0 PREMIUM 19650.00 ACCOUNT DOMICILE STAT DATE OF ISSUE 031314 BPP STAT GL BPP 022714 003 N 4D71311 1501 IEP INC y TRANSACTION INFORMATIOI RIOR POL 4D7 13 11 IS DATE 04282014 R AGENT B B8210 RAM ING METHOD A IT SHARE Y POLICY TERM 04282014 TO 04282015 ACCOUNT NAME HEP INC ACCOUNT MAILING STATE NE FINANCING Y AUDIT FREQUENCY A SIC 1794 ACCOUNT ORIGINAL EFF DATE 04282010 POLICY ID BA COMMISSION 15.0 1IUM | 2 |
PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 Presented by LOCKTON COMPANIES LLC PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 Presented bv LOCKTON COMPANIES LLC PN TRAVELERS Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 Report Claims Immediately by Calling 1 800 238 6225 Speak directly with a claim professional 24 hours a day 365 days a year Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 | 2 |
A TRAVELERS J One Tower Square Hartford Connecticut 06183 TRAVELERS CORP. TEL 1 800 328 2189 COMMERCIAL BUILDING COMMON POLICY DECLARATIONS ISSUE DATE 051221 POLICY NUMBER I660 4H356070 IND21 INSURING COMPANY POLICY NUMBER I660 4H356070 IND21 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY 1. NAMED INSURED AND MAILING ADDRESS NATIVE ROCK INVESTMENTS LLC C O JOANIE NEFF 120 NE SAINT LUKES BLVD 200 LEES SUMMIT MO 64086 2. POLICY PERIOD From 070121 to 070122 1201 A.M. Standard Time at your mailing address. 3. LOCATIONS Premises Bldg. Loc. No. No. Occupancy Address SEE IL TO 03 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES COMMERCIAL GENERAL LIABILITY COV PART DECLARATIONS CG TO 01 11 03 IND. NUMBERS OF FORMS AND ENDORSEMENTS FORMING A PART OF THIS POLICY SEE IL T8 01 10 93 SUPPLEMENTAL POLICIES Each of the following is a separate policy containing its complete provisions Policy Policy No. Insuring Company DIRECT BILL 7. PREMIUM SUMMARY Provisional Premium Due at Inception Due at Each 1682 COUNTERSIGNED BY NAME AND ADDRESS OF AGENT OR BROKER LOCKTON COMPANIES LLC 54274 444 W 47TH ST STE 900 KANSAS CITY MO 64112 Authorized Representative DATE IL TO 02 11 89REV. 09 07 OFFICE KANSAS CITY PAGE 1 OF 1 | 2 |
PN TRAVELERS POLICY NUMBER I660 4H356070 IND21 EFFECTIVE DATE 07 01 21 ISSUE DATE 05 12 21 LISTING OF FORMS ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS. IL TO 02 11 89 IL T8 01 10 93 IL TO 01 01 07 IL TO 03 04 96 COMMON POLICY DECLARATIONS FORMS ENDORSEMENTS AND SCHEDULE NUMBERS COMMON POLICY CONDITIONS LOCATION SCHEDULE COMMERCIAL GENERAL LIABILITY CcG cG CcG cG cG CcG cG CcG cG cG CcG cG CcG cG cG CcG cG cG 01 07 08 34 00 COML GENERAL LIABILITY COV PART DEC DECLARATIONS PREMIUM SCHEDULE KEY TO DECLARATIONS PREMIUM SCHEDULE TABLE OF CONTENTS COM GEN LIAB COV COMMERCIAL GENERAL LIABILITY COV FORM EXCL REAL ESTATE DEV ACTIVITIES COMPL OP XTEND ENDORSEMENT AMEND NON CUMULATION OF EACH OCC FUNGI OR BACTERIA EXCLUSION AMEND CONTRAC LIAB EXCL EXC TO NAMED INS EXCL VIOLATION OF CONSUMER FIN PROT LAWS EXCLUSION DISCRIMINATION EXCL AIRCRAFT PROD AND GROUNDING MISSOURI CHGS DEFINITION OF POLLUTANTS AMEND DUTIES OCCUR OFF CLAIM SUIT COND MISSOURI CHANGES MEDICAL PAYMENTS LIMIT WHEN TWO OR MORE POLICIES APPLY MO CHANGES GUARANTY ASSOCIATION INTERLINE ENDORSEMENTS IL T3 IL T4 IL T4 IL T4 IL 00 IL 02 68 12 14 FED TERRORISM RISK INS ACT DISCLOSURE AMNDT COMMON POLICY COND PROHIBITED COVG CAP ON LOSSES FROM CERT ACTS OF TERRORIS ADDITIONAL BENEFITS NUCLEAR ENERGY LIAB EXCL END BROAD FORM MISSOURI CHGS CANCELLATION NONRENEWAL PAGE ILT8011093 | 2 |
COMMON POLICY CONDITIONS A. Cancellation 1. The first Named Insured shown in the Decla rations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy or any Coverage Part by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of can cellation if we cancel for nonpayment of premium or b. 30 days before the effective date of can cellation if we cancel for any other rea son. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known tous. 4. Notice of cancellation will state the effective date of cancellation. If the policy is cancelled that date will become the end of the policy period. If a Coverage Part is cancelled that date will become the end of the policy period as respects that Coverage Part only. 5. If this policy or any Coverage Part is can celled we will send the first Named Insured any premium refund due. If we cancel the re fund will be pro rata. If the first Named In sured cancels the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a re fund. 6. If notice is mailed proof of mailing will be sufficient 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 Declara tions 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 as 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 D. All Coverage Parts included in this policy are subject to the following conditions 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 b. Give you reports on the conditions we find and c. Recommend changes. 2. We are not obligated to make any inspec tions surveys reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions a. Are safe or healthful or b. Comply with laws regulations codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advi sory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or rec ommendations we may make relative to certi fication under state or municipal statutes or dinances or regulations of boilers pressure vessels or elevators. Premiums 1. The first Named Insured shown in the Decla rations a. Is responsible for the payment of all pre miums and b. Will be the payee for any return premi ums we pay. 2. We compute all premiums for this policy in accordance with our rules rates rating plans premiums and minimum premiums. The pre mium shown in the Declarations was com puted based on rates and rules in effect at Page 1of 2 IL TO 01 01 07 Rev. 09 18 Includes the copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
the time the policy was issued. On each re newal continuation or anniversary of the ef fective date of this policy we will compute the premium in accordance with our rates and rules then in effect. F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named in sured. If you die your rights and duties will be trans ferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed anyone having proper temporary cus tody of your property will have your rights and duties but only with respect to that property. Equipment Breakdown Equivalent to Boiler and Machinery On the Common Policy Declarations the term Equipment Breakdown is understood to mean and include Boiler and Machinery and the term Boiler and Machinery is understood to mean and include Equipment Breakdown. This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that declarations form. In return for payment of the premium we agree with the Named Insured to provide the insurance afforded by a Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part. One of the companies listed below each a stock company has executed this policy and this policy is counter signed by the officers listed below The Travelers Indemnity Company IND The Phoenix Insurance Company PHX The Charter Oak Fire Insurance Company COF Travelers Property Casualty Company of America TIL The Travelers Indemnity Company of Connecticut TCT The Travelers Indemnity Company of America TIA Travelers Casualty Insurance Company of America ACJ President Wty. S Page 2 of 2 Includes the copyrighted material of Insurance Services Office Inc. with its permission. IL. TO 01 01 07 Rev. 09 18 | 2 |
LOCATION SCHEDULE POLICY NUMBER I660 4H356070 IND21 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 07 01 21 to 07 01 22. Loc. Bldg. No. No. Address Occupancy 1 1 701 E 101ST TER OFFICE KANSAS CITY MO 64131 Occupancy OFFICE IL TO 03 04 96 Page 1 END | 2 |
GENERAL LIABILITY | 2 |
GENERAL LIABILITY | 2 |
A TRAVE. ERS.I One Tower Square Hartford Connecticut 06183 COMMERCIAL GENERAL LIABILITY POLICY NO. I660 4H356070 IND21 COVERAGE PART DECLARATIONS ISSUE DATE 05 12 21 INSURING COMPANY THE TRAVELERS INDEMNITY COMPANY DECLARATIONS PERIOD From 07 01 21 to 07 01 22 1201 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial General Liability Coverage Part consists of these Declaration s and the Coverage Form shown below. 1. COVERAGE AND LIMITS OF INSURANCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIMITS OF INSURANCE General Aggregate Limit 2000000 Other than Products Completed Operations Products Completed Operations Aggregate Limit 2000000 Personal Advertising Injury Limit 1000000 Each Occurrence Limit 1000000 Damage To Premises Rented To You Limit any one premises 300000 Medical Expense Limit any one person 5000 LIMITS OF INSURANCE 2000000 w v n n v 2000000 1000000 1000000 300000 5000 2. AUDIT PERIOD ANNUAL 3. FORM OF BUSINESS LLC 4. NUMBERS OF FORMS SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. COMMERCIAL GENERAL LIABILITY COVERAGE IS SUBJECT TO A GENERAL AGGREGATE LIMIT Page 10of 1 OFFICE KANSAS CITY 095 CGT0011103 PRODUCER LOCKTON COMPANIES LLC nan nan nan nan 54274.0 | 2 |
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