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chuee Chubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured AUGUST 012013 To AUGUSTO012014 August 1 2013 7985 13 19 COMMONWEALTH CHESAPEAKE COMPANY LLC To AUGUSTOL 2014 Name of Company FEDERAL INSURANCE COMPANY Date Issued August 1 2013 Under Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury the following exclusion is added Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Contractual Liabili This insurance does not apply o bodily injury property damage advertising injury or personal PP y Y. property 2 g Injury or pe jury arising out of any liability assumed in any contract which is an insured contract. his insurance does not apply to bodily injury property damage advertising injury or personal injury arising out of any liability assumed in any contract which is an insured contract. All other terms and conditions remain unchanged. Authorized Representative 5 7 August 1 2013 Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Contractual Liability last page Form 07 02 0839 Rev. 7 01 Endorsement Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance CcHUBB Endorsement Policy Period Effective Date Policy Number Insured AUGUST 012013 To AUGUST 0L 2014 August 1 2013 7985 13 19 COMMONWEALTH CHESAPEAKE COMPANY LLC To AUGUSTOL 2014 Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Employee Or Worker Injury Policy Exclusions Employee Or Worker Injury Name of Company FEDERAL INSURANCE COMPANY Date Issued August 1 2013 Under Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury the exclusion titled Employee Or Worker Injury is deleted Under Policy Exclusions the following exclusion is added A This insurance does not apply o any liability or loss cost or expense in connection with any injury or damage sustained by an employee or temporary worker of the insured arising out of and in the course of Employee Or Worker A. This insurance does not apply to any liability or loss cost or expense in connection with any Injury injury or damage sustained by an employee or temporary worker of the insured arising out of and in the course of 1. employment by the insured or 2 performing duties related to the conduct of the insured s business. B. This insurance does not apply to injury or damage sustained by the brother child parent sister or spouse of such injured person as a consequence of any injury or damage described in paragraph A. above. Ihis exclusion applies whether the insured may be liable as an employer or in any other capacity and toany obligation o share damages with or repay someone else who must pay damages because of any injury or damage described in paragraphs A. or B. above. R S R S Chubb Commercial Excess And Umbrella Insurance Policy Exclusions Employee Or Worker Injury continued Form 07 02 0852 Rev. 7 01 Endorsement Page 1 | 2 |
Under Definitions Umbrella Coverage B the definitions titled Employee Leased Worker and Temporary Worker are deleted Definitions Umbrella Coverage B Employee Leased Worker Temporary Worker Under Policy Definitions the following definitions are added Policy Definitions Employee Employee includes a leased worker. Employee does not include a temporary worker. Leased Worker Leased worker means a person leased o a party by a labor leasing firm in a contract or agreement between such party and the labor leasine firm. to perform duties related to the conduct of the s T Employee Leased Worker Temporary Worker Employee includes leased worker. Employee does not include a temporary worker. Leased worker means a person leased to a party by a labor leasing firm in a contract or agreement between such party and the labor leasing firm to perform duties related to the conduct of the party s business. Leased worker does not include a temporary worker emporary worker means a person who is furnished to a party to substitute for a permanent employee on leave or o meet seasonal or short term workload conditions. All other terms and conditions remain unchanged. Authorized Representative Q o S August 1 2013 Chubb Commercial Excess And Umbrelia Insurance Policy Exclusions Employee Or Worker Injury last page Form 07 02 0852 Rev. 7 01 Endorsement Page 2 | 2 |
Chubb Commercial Excess And Umbrella Insurance cHUBEB Endorsement Policy Period Effective Date Policy Number Insured AUGUST 012013 To AUGUST 012014 August 1 2013 7985 13 19 COMMONWEALTH CHESAPEAKE COMPANY 1.1L.C To AUGUSTOL 2014 Policy Exclusions Professional Services Name of Company FEDERAL INSURANCE COMPANY Date Issued August 1 2013 Under Policy Exclusions the following exclusion s added This insurance does not apply to any liability or loss cost or expens failine to render profc whether or not that s arising out of the rendering or vice or advice i ordinaryv oy sional service or advi This insurance does not apply to any liability or loss cost or expense arising out of the rendering or failing o render professional service or advice whether or not that service or advice is ordinary to the insured s profession regardless of whether a claim or suit is brought by a client or any other person or organization. All other terms and conditions remain unchanged. Authorized Representative Q o S August 1 2013 Chubb Commercial Excess And Umbrella Insurance Policy Exclusions Professional Services last page Form 07 02 0864 Rev. 7 01 Endorsement Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance cHUBB Endorsement Policy Period Effective Date Policy Number Insured AUGUST 012013 To AUGUST 012014 August 1 2013 7985 13 19 COMMONWEALTH CHESAPEAKE COMPANY LLC To AUGUST 012014 Name of Company FEDERAL INSURANCE COMPANY Date Issued August 12013 ollow Form Coverage A the exclusion titled Pollution is deleted and replaced with the following Evrhhicinne Exclusions Excess Follow Form Coverage A Pollution This insurance does not apply o any liability or loss cost or expense arising out of A the actal alleged or threatened discharge dispersal seepage migration release or escape of pollutants. B. 1 any request demand order or regulatory or statutory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond Lo or assess the effects of pollutants or any claim or proceeding by or on hehalf of a governmental authority or others 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 This exclusion applies regardless of whether or not the pollution was accidental expected gradual intended preventable or sudden. All other terms and conditions remain unchanged. Authorized Representative S 7 August 1 2013 Chubb Commercial Excess And Umbrella Insurance Exclusions Excess Follow Form Coverage A Pollution last page Form 07 02 0885 Rev. 7 01 Endorsement Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured AUGUST 012013 To AUGUST 012014 August 1 2013 7985 13 19 COMMONWEALTH CHESAPEAKE COMPANY LLC To AUGUSTOL2014 Name of Company FEDERAL INSURANCE COMPANY Date Issued August 1 2013 Under Policy Exclusions the following exclusion is added Policy Exclusions Radioactive Material A This insurance does not apply to any liability or loss cost or expen actual alleeed or threatened contaminative. pathoeeni c arising out of the toxic or other hazardous pronerties Radioactive Material Policy Definitions Radioactive Material A This insurance does not apply to any liability or loss cost or expense arising out of the actual alleged or threatened contaminative pathogenic toxic or other hazardous properties of radioactive material. B. This insurance does not apply to any loss cost or expense arising out of any 1 request demand order or regulatory or statutory requirement that any insured or others est for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of radioactive material or 2. claim or proceeding by or on behalf of a governmental authority or others 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 radioactive material But this exclusion does not apply to radioas device. Under Policy Definitions the following definition is added Radioactive material means any solid liquid or gaseous substance which emits radiation. tive material while used in a well measuring ol or Radioactive material means any solid liquid or gaseous substance which emits radiation. All other terms and conditions remain unchanged. Authorized Representative Q 5 k August 1 2013 Chubb Commercial Excess And Umbrella Insurance Policy Exclusions Radioactive Material last page Form 07 02 1230 Rev. 7 01 Endorsement Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance cHuUBB Endorsement Policy Period Effective Date Policy Number Insured To AUGUSTOL 2014 AUGUST 01 2013 To AUGUST 012014 August 1 2013 7985 13 19 COMMONWEALTH CHESAPEAKE COMPANY LLC Name of Company FEDERAL INSURANCE COMPANY Date Issued August 1 2013 AR S Supplum.nmrv Payments is deleted in its entirety and rcpmgui by the following Supplementary Payments Subject 1o all of the terms and conditions of this insurance under Excess Follow Form Coverage A or Umbrella Coverage B Al we will pay with respect to a claim we inves red we igate or settle or a suit against an defend 1. 2. the expenses we incur. the cost a. bail bonds or b bonds required to 1 appeal judgments or 2 release attachments but only for bond amounts within the available Limit Of Insurance. We do not have o furnish these bonds. reasonable expenses incurred by the insured at our request o assist us in the investigation or defense of such claim or suit including actual loss of carnings up o 1000 a day because of time off from work costs taxed against the insured in the suit except any a. attorney fees or litigation expenses or b. other loss cost or expense in connection with any injunction or other equitable relief prejudgment interest awarded against the insured on that part of a judgment we pay. If we make an offer to pay the applicable Limit Of Insurance we will not pay any prejudgment interest hased on that period of time after the offer. Chubb Commercial Excess And Umbrella Insurance Supplementary Payments continued Form 07 02 0845 Rev. 7 01 Endorsement Page 1 | 2 |
Supplementary Payments continued B D. 6. interest on the full amount of a 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. Supplementary Payments does not include any fine or other penalty under Excess Follow Form Coverage A if supplementary payments of the applicable underlying insurance reduce the limits of underlying insurance then Supplementary Payments made under this coverage will reduce the Limits Of Insurance of this insurance. donot reduce the limits of underlying insurance then Supplementary Payments made under this coverage will not reduce the Limits Of Insurance of this insurance. under Umbrella Coverage B Supplementary Payments will not reduce the Limits Of Insurance. Our obligation to make these payments ends when we have used up the applicable Limit OF Insurance All other terms and conditions remain unchanged. Authorized Representative Q S f August 1 2013 Chubb Commercial Excess And Umbrella Insurance Supplementary Payments last page Form 07 02 0845 Rev. 7 01 Endorsement Page 2 | 2 |
CNA Commercial Umbrella Renewal Declaration POLICY NUMBER COVERAGE PROVIDED BY FROM POLICY PERIOD TO C 2092916465 CONTINENTAL CASUALTY COMPANY 03312013 03312014 333 S. WABASH CHICAGO IL. 60604 INSURED NAME AND ADDRESS DUTTONLAINSON COMPANY 451 WEST SECOND STREET HASTINGS NE 68901 7535 REFER TO ADDITIONAL NAMED INSUREDS SCHEDULE AGENCY NUMBER AGENCY NAME AND ADDRESS 060692 LOCKTON COMPANIES LLC 444 W. 47TH ST. 900 KANSAS CITY MO 64112 Phone Number 816960 9000 BRANCH NUMBER BRANCH NAME AND ADDRESS 310 KANSAS CITY BRANCH 7400 COLLEGE BLVD OVERLAND PARK KS 66210 Phone Number 913661 2700 000025 This policy becomes effective and expires at 1201 A.M. standard time at your mailing address on the dates shown above. The Named Insured is a Coxporation. Your policy is composed of this Declarations with the attached Coverage Forms and Endorsements if any. The Policy Forms and Endorsement Schedule shows all forms applicable to this policy at the time of policy issuance. Estimated Estimated Premium Basis Exposure Rate Advance Premium FIGt Charge I PREMIUM Minimum Premium 35331 Annual Total Advance Premium 35331.00 Your Premium includes the following amount for Certified Acts of Terrorism Coverage 353.00 Audit Period is Not Auditable AGENCY NUMBER 060692 353.00 Page INSURED | 2 |
POLICY NUMBER C 2092916465 INSURED NAME AND ADDRESS DUTTON LAINSON COMPANY 451 WEST SECOND STREET HASTINGS NE POLICY LIMITS OF INSURANCE Each Incident 10000000 RETAINED LIMIT Retained Limit 10000. SCHEDULE OF UNDERLYING INSURANCE Underlying Underlying Insurer Aggregate 68901 7535 10000000 2092916451 Eff 03312013 to 03312014 Policy Numbex Limits of Policy Period Insurance Coverages Insurance Continental Casualty Company General Each Occurrence Limit 1000000 Liability General Aggregate Limit 2000000 Does nt apply per location 2092916451 Does nt apply per project Eff 03312013 to 03312014 Products Completed Operations 2000000 Aggregate Limit Personal and Advertising 1000000 Injury Liability Limit Valley Forge Insurance Co. Automobile Combined Bodily Injury and Liability Property Damage Liability Each Accident Limit 1000000 2092916479 Bodily Injury Liability Each Person Limit Eff 03312013 to 03312014 Each Accident Limit Property Damage Liability Each Accident Limit Continental Casualty Company Employers Bodily Injury By Accident Liability Each Accident Limit 500000 Bodily Injury By Disease 2092916482 Each Employee Limit 500000 Policy Limit 500000 Eff 03312013 to 03312014 Continental Casualty Company Employee Each Employee Limit 1000000 Benefit Limit Aggregate Limit 2000000 Aggregate 10000000 nan nan nan nan 2092916451.0 nan nan nan nan 92916479.0 ty 0000 0000 0000 nan nan nan nan 92916482.0 Disease Limit nan nan nan nan 92916451.0 ggregate Limit INSURED Page | 2 |
INSURED NAME AND ADDRESS DUTTON LAINSON COMPANY 451 WEST SECOND STREET HASTINGS NE 68901 7535 POLICY NUMBER C 2092916465 SCHEDULE OF UNDERLYING INSURANCE Underlying Insurer Policy Number Policy Period Underlying Insurance Coverages Limits of Insurance 1000000 Printers Each Claim Limit Errors and Omissions Aggregate Limit Liability Continental Casualty Company 2092916451 Eff 03312013 to 03312014 1000000 ggregate Limit nan nan nan nan 92916451.0 20000 R0 00O Page INSURED | 2 |
POLICY NUMBER INSURED NAME AND ADDRESS C 2092916465 DUTTON LAINSON COMPANY 451 WEST SECOND STREET HASTINGS NE 68901 7535 ADDITIONAL NAMED INSUREDS SCHEDULE HASTINGS EQUITY GRAIN BIN RINDER PRINTING INSURED Page | 2 |
POLICY NUMBER INSURED NAME AND ADDRESS C 2092916465 DUTTON LAINSON COMPANY 451 WEST SECOND STREET HASTINGS NE 68901 7535 Form Numbex G133136B G140397A G15057C G16377B G18132B G18330A G300351A G300835A G300982A G301134A IL0017 IL0259 072005 082001 062005 111991 072005 0771992 092011 092011 072010 1072010 111998 092007 FORMS AND ENDORSEMENTS SCHEDULE Form Title Bridge Endorsement Fungi Mold Mildew Yeast Microbe Exclusion Commercial Umbrella Plus Coverage Part Total Pollution Exclusion Endorsement Employee Benefits Liability Limitation Endorsement Architects Engineers Excl of Liab Prof Services Unintentional Failure to Disclose Hazards Endt Broad Knowledge of Occurrence Endorsement Crisis Management Coverage Endorsement Key Employee Replacement Expense Coverage Endt Common Policy Conditions Nebraska Changes Cancellation and Nonrenewal PLEASE READ THE ENCLOSED IMPORTANT NOTICES CONCERNING YOUR POLICY Form Number Form Title G144233F 012008 Notice Offer of Terrorism Disclosure of Premium 20000 Yoowad Holaruld Chairman of the Board P43770 B Ed. 1089 Countersignature Page INSURED | 2 |
G133136 B Ed. 0705 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BRIDGE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE PART Any state amendatory endorsement which is listed in the Commercial Umbrella Plus Coverage Part Declarations will modify the Commercial Umbrella Plus Coverage Pari even if the endorsement does not state that it will modify the Commercial Umbrella Coverage Part. For the purposes of this endorsement a state amendatory endorsement means any Insurance Services Office ISO state cancellation nonrenewal or amendatory endorsement which begins with an IL or CG prefix. When a state amendatory endorsement is attached to the Commercial Umbrella Plus Coverage Part the term claim as used in the state amendatory endorsement shall mean ultimate net loss as defined in the Commercial Umbrella Plus Coverage Part. nan nan nan nan 520000.0 S2L1955968 H000E28909002000 i Page 1 of 1 G133136 8 Ed. 0705 | 2 |
G140397 A Ed. 0801 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI MOLD MILDEW YEAST MICROBE EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE FORM Microbe Exempt Schedule The following microbes or operations if any are exempt only from the microbe portion of this exclusion if no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverages This insurance does not apply to Fungi and Microbes 1 Bodily injury property damage personal injury or advertising injury which would not have occurred in whole or in par but for the actual alleged or threatened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or microbes. 2 Any loss cost or expense arising out of the 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 microbes by any insured or by anyone else. This exclusion applies regardiess of any other cause or event that contributes concurrently or in any sequence to such injury or damage loss cost or expense. B. The following definitions are added to Section V Definitions Fungi means any form of fungus yeast mold mildew or mushroom including mycotoxins spores scents byproducts or other substances produced or released by fungi. But fungi does not include fungi that were deliberately grown for human consumption. Microbe means any bacteria virus or any other non fungal single celled or colony form organism including any toxins scents byproducts or other substances it produces or releases whose injurious source is in or on a building or its contents. But microbe does not mean 1 Microbes that were transmitted directly from person to person 2 Microbes that caused food poisoning if your business is food processing sales or serving or 3 Microbes listed in or encountered in the course of operations listed in the Microbe Exempt Schedule of this endorsement. he following microbes or operations if any are exempt only from the microbe portion of this exclusion G140397 A Ed. 0801 Includes copyrighted materlal of Insurance Services Office Inc. with its permission. Page 1 of 1 | 2 |
G15057 C Ed. 0605 CNA COMMERCIAL UMBRELLA PLUS COVERAGE PART 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 identified under SECTION WHO IS AN INSURED of this policy. The word insured means any person or organization qualifying as such under SECTION Il WHO IS AN INSURED. The words we us and our refer to the Gompany providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION V DEFINITIONS. SECTION COVERAGES 1. Insuring Agreement We will pay on behalf of the insured those sums in excess of scheduled underlying insurance unscheduled underlying insurance or the retained limit that the insured becomes legally obligated to pay as ulimate net loss because of bodily injury property damage or personal and advertising injury to which this insurance applies. a. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an incident anywhere in the world 2 The bodiy injury or property damage oceurs during the policy period and 3 With respect to bodily injury or property damage that continues changes or resumes s0 as to occur during more than ons policy period both of the following conditions are met i Prior to the policy period no authorized insured knew that the bodily injury or property damage had occurred in whole or in part and i During the policy period an authorized insured first knew that the bodily injury or property damage had occurred in whole or in part. For purposes of this Paragraph 1 a.3 only if a bodily injury or property damage that occurs during this policy period does not continue change or resume after the G15057 C Ed. 0605 termination of this policy period and b no authorized insured first knows of this bodily injury or property damage until after the termination of this policy period then such first knowledge will be deemed to be during this policy period. b. 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 authorized insured includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. c. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any authorized Insured 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Recsives a written or verbal demand claim or suit 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. d. This insurance applies 1o personal and advertising injury caused by an incident committed anywhere in the world during the policy period. If we are prevented by law statute or otherwise from paying on behalf of the insured then we will indemnify the insured for those sums that the insured is legally obligated to pay as ultimate net loss because of bodilly injury property damage or personal and adverfising injury to which this insurance applies. 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. This exclusion does not apply to Employers Liability claims for bodily injury covered by scheduled underlying insurance. b. Contractual Liability Bodily injury property damage or personal and advertising injury for which the insured is obligated to pay damages by reason of the Page 1 of 17 olicy restrict coverage. Read determine rights duties and jords you and your refer to i under SECTION Il WHO IS any person or organization SECTION Il WHO IS AN our refer to the Company hat appear in quotation marks Refer to SECTION V of the insured those sums in od underlying insurance insurance or the retained comes legally obligated to pay because of bodily injury ersonal and advertising injury pplies. plies to bodily injury and nly if ury or property damage is incident anywhere in the njury or property damage he policy period and b. Be obliga bodil advar nan nan nan nan 520000.0 5L19559.05 10001E26909002000 | 0 |
G15057 C Ed. 0605 assumption of liability in a contract or agreement. This exclusion does not apply to liability for ultimate net loss 1 That the insured would have in the absence of the contract or agreement or 2 Because of bodily injury or property damage 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 agresment. Personal and advertising injury Exclusions Personal and advertising injury 1 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 Arising out of oral or written publication of material if done by or at the direction of the insured with knowledge of its falsity Arising out of oral or written publication of material whose first publication took place before the baginning of the policy period Arising out of a criminal act committed by or at the direction of the insured Arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement 6 Arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement 7 Avising out of the wrong description of the price of goods products or services stated in your advertisement Arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan 3 3 Committed by an insured whose business Is a Advertising broadcasting publishing or telecasting b Designing or determining content of waebsites for others or c An Intemnet search access content or service provider However this exclusion does not apply to paragraphs 10. a. b. and c. of personal and advertising injury under SECTION V DEFINITIONS For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Interet is not by itseli considered the business of advertising broadcasting publishing or telecasting. 10 Arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control or 11 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. d. Workers Compensation and Similar Laws Any obligation of the insured under a 1 Workers compensation 2 Disability benefits or 3 Unemployment compensation law or any simiiar law. e. Employers 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 1 above. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply 1 To liability assumed by the Insured under an insured contract or 2 Only to the extent that coverage is provided by scheduled underlying insurance. G15057 C Ed. 0605 Page 2 of 17 | 1 |
G15057 C Ed. 0605 from the covered automobile to the place where they are finally i Delivered i Disposed of or i Abandoned by the insured. Subparagraphs a and di do not apply to bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. As used in this exclusion a hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be. Subparagraph di does not apply to 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 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. Subparagraph eiii does not apply to fuels lubricants fluids exhaust gases or other similar pollutants that are needed for or result from the normal electrical hydraulic or mechanical functioning of the covered automobile or its parts if the pollutants escape or are discharged dispersed or released directly from an automobile part designed by its manufacturer to hold store receive or dispose of such poliutants. Subparagraphs f and g do not apply if the pollutants or property In which the pollutants are contained are upset overturmed or damaged as a result of the maintenance or use of a covered automobile and the discharge dispersal release or escape of the pollutants is caused directly by such upset overturn or damage. Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. Page 3of 17 f. Pollution 1 Bodily injury or property damage arising out of the aciual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location b c d e 9 which is or was at any time owned or occupied by or rented or loaned to any insured 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 handiing storage disposal processing or treatment of waste Which are or were at any time iransported handled stored treated disposed of or processed as waste by or for any insured or any person or organization for whom you may be legally responsible or 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 1 If the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor or ii If the operations are to test for monitor clean up remove contain reat detoxify or neutralize or in any way respond to or assess the effects of pollutants. That are or that are contained in property that is i Being transported or towed by or handled for movement into onto or from a covered automobile il Otherwise in the course of transit iliBeing stored disposed of treated or processed in or upon the covered automobile Before the pollutants or property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto the covered automobile or After the pollutants or property in which the pollutants are contained are moved 20000 20195590881 100028909002000 G15067 C Ed. 0605 | 1 |
G15067 C Ed. 0605 3 Any loss cost or expense arising out of any a Request demand or order that any insured or others test for monitor clean up remove contain freat 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. d. Watercraft Bodily injury or property damage arising out of the 1 Ownership 2 Maintenance 3 Use or 4 Entrustment to others of a watercraft owned or operated by or rented or loaned to an insured. Use includes operation or 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 incident which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any 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 Awatercraft you do not own that is a Less than 55 feet long and b Not being used to carry persons or property for a charge or 3 Liability assumed under an insured contract for the ownership maintenance or use of watercraft. h. Aircraft The ownership maintenance operation use entrustment to others or loading or unloading of any aircraft 1 Owned by an insured or 2 Chartered without crew by an insured or on an insured s behalf. G15057 C Ed. 0605 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 incident which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft that is owned or operated by or rented or loaned to any insured. War Any liability arising 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 aftack 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 properly 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 Property loaned to you Personal property in the care custody or control of the insured That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. O 5 6 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 agresment. Page 4 of 17 | 1 |
G15057 C Ed. 0605 q. Uninsured Underinsured Motorist and Similar Laws Liability imposed on the insured under an uninsured underinsured motorist law a personal injury protection law a reparations benefit law or other similar faw. r. Electronic Data Any liability arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. s. Nonemployment Related Discrimination To any alleged or actual nonemployment related discrimination committed intentionally against a person. t. Asbestos 1 Bodily Injury property damage or personal and advertising injury arising out of the actual alleged or threatened exposure at any time to asbestos or 2 Any loss cost or expense that may be awarded or incurred a By reason of a claim or suit for any such injury or damage or b In complying with a governmental direction or request to test for monitor clean up remove contain or dispose of asbestos. u. Fungi and Microbes 1 Bodily injury property damage or personal and advertising injury which would not have occurred in whole or in part but for the actual alleged or threatened inhalation of ingestion of contact with exposure fo existence of or presence of any fungi or microbes or 2 Any loss cost or expense arising out of the 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 microbes by any insured or by anyone else. This exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage loss cost or expense. v. Silica 1 Bodily injury arising in whole or in part out of the actual alleged or threatened respiration or ingestion at any time of silica or Page 5 of 17 Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. k. Damage to your Product Property damage to your product arising out of itor any part of it. I. Damage to you 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. m. 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 agresment in accordance with its terms. This exclusion does not apply to the loss of use of other properly arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use. n. 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. o. ERILS.A. Liabiiity for alleged or actual violations of the Employees Retirement Income Security Act of 1974 or any amendments or additions thereto. p. Directors and Officers Liability for a wrongful act error omission or breach of duty by an insured in the performance of the office of director or officer of an organization. G16057 C Ed. 0605 20000 8244953986 400026908002000 | 1 |
G15057 C Ed. 0605 aa. 2 Personal and advertising injury or property damage arising in whole or in part out of the actual alleged or threatened presence of sllica. Named Insured vs. Named Insured Any liability arising out of claims or suits by a named insured against another named insured. Employment Related Practices Any fiability arising out of 1 Arefusal to employ 2 Termination of employment 3 Demotion evaluation reassignment discipline 4 Coercion defamation discrimination harassment or humiliation or any other employment related practices policies acts or omissions. Terrorism Limitation Bodily injury or property damage arising out of any act of terrorism unless and then only to the extent that coverage is provided by scheduled underlying insurance. Liquor Liability Limitation Bodily injury or property damage for which an 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 unless and then only to the extent that coverage is provided by scheduled underlying insurance. Auto and Mobile Equipment Limitation Any liability arising out of the 1 Ownership 2 Maintenance 3 Useor 4 Entrustment to others of an automobile or mobile equipment owned or operated by or rented or loaned to an insured unless and then only to the extent that coverage is provided by scheduled underlying insurance. bb. To the extent that this insurance applies to an automobile or mobile equipment it is further subject to the pollution exclusion exclusion f. of this policy. Use includes operation or loading or unloading. Do Not Call Any liability 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 or 2 The CAN SPAM Act of 2008 including any amendment of or addition to such law or 3 Any statute ordinance or regulation other than the TCPA or the CAN SPAM Act of 2003 that prohibits or limits the sending transmitting communicating or distribution of material or information. SECTION Il WHO IS AN INSURED 1. Named Insured means any individual or organization stated in the Declarations of this policy and if you are designated in the Declarations of this policy as An individual you and your spouse but only with respect to the conduct of a business of which you are the sole owner. If you are designated in the Declarations of this policy as an individual this policy shall not apply to liability arising out of your domestic or non business activities. This does not apply to the ownership maintenance use or loading or unloading of any automobils or to the Personal Umbrella Liability Coverage Part. A partnership or joint venture you and your members your partners and their spouses but only with respsct to the conduct of your business. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. An organization other than a partnership or joint venture you and your execulive officers and directors but only with respect to their duties as your officers or directors. Your stockholders are also named insureds but only with respect to their liability as stockholders. A limited liability company you and your members but only with respect to the conduct of your business. Your managers are also named insureds but only with respact to their duties as your managers. G15057 C Ed. 0605 Page 6 of 17 | 1 |
G16057 C Ed. 0605 No person or organization is an insured with respect to the conduct of any current or past limited liability company that is not shown as a Named Insured in the Declarations. e. A corporation or organization other than partnerships joint ventures or limited liability companies that you form acquire or gain control of during the policy period but only with respact to bodily injury property damage or personal and advertising injury taking place after you form acquire or gain control of such corporation or organization. Insured means the Named Insured and a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than your executive officers and directors if you are an organization other than a partnership joint venture or limited liability company or your members 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 or your business. However none of these employees or volunteer workers is an insured for 1 Bodily injury or personal and adverlising injury a To you to your partners or members if you are a parinership or joint venture to your members if you are a limited liability company or to a co employee 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 co employes or volunteer worker as a consequence of Paragraph 1a above c For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs 1a or b above or d Arising out of his or her providing or falling to provide professional heaith care sarvices. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control or 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. A person or organization for whom you are required by virtue of a written contract entered into prior to the bodily injury property damage or personal and advertising injury occurring or being committed to provide the insurance that is afforded by this policy. This insurance applies only with respect to operations by you or on your behalf or to facilities you own or use but only to the extent of the limils of insurance required by such contract not to exceed the limits of insurance in this policy. c. Any other persons or organizations included as an insured under the provisions of the scheduled underlying insurance shown in the Declarations of this policy and then only for the same coverage except for limits of insurance afforded under such scheduled underlying insurance. However If a blanket additional insured endorsement is attached to the general liability scheduled underlying insurance pursuant to written or oral contract or agreement between you and another person or organization called additional insured this insurance is excess over such insurance provided to the additional insured subject to the following conditions 1 i the limits specified in the written contract or agreement are less than the limits provided by the scheduled underlying insurance then no coverage is provided to the additional insured under this policy. 2 If the limits specified in the written contract or agreement are greater than the limits provided by the scheduled underlying insurance then this insurance is excess over the insurance provided by the scheduled underlying insurance. The limits of insurance for the additional insured are the lesser of i The limits specified in the written contract or i The limits of the scheduled underlying insurance plus the limits of this policy. SECTION IIl LIMITS OF INSURANCE 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 c. Persons or organizations making claims or bringing suits. 20000 62219559861 40002909002000 Page 7 of 17 G15057 C Ed. 0605 | 1 |
G15067 C Ed. 0605 d. Automobiles aircrafl or watercraft to which this policy applies or e. Coverages under which loss is insured in this policy. 2. The limit of insurance shown in the Declarations as the Aggregate Limit is the most we will pay for the sum of all ultimate net loss to which this insurance applies and applies separately to all ultimate net loss a Included in the products completed opsrations hazard b. To which and in the same manner an aggregate limit applies under scheduled underlying insurance other than ultimate net loss included in the products competed operations hazard and. To which no scheduled underlying insurance applies. The Aggregate Limit does not apply to ultimate net loss for which no aggregate limit applies in the scheduled underlying insurance. 3. Subject to 2. above the limit of insurance shown in the Declarations as the Each Incident limit is the most we will pay for the sum of all ultimate net loss to which this Insurance applies arising arising out of any one incident. 4. In the event of reduction or exhaustion of the aggregate limits of insurance under scheduled underlying insurance solely by reason of payments of a combination of covered a. Expenses b. Settlements or. Judgments paid thereunder as a result of bodily injury property damage or personal and advertising injury taking place during this policy period this policy shall subject to this limit of insurance provision and to the remaining terms and provisions and conditions of this policy a. Apply in excess of such reduction of scheduled underlying insurance or b. Apply in place of the exhausted amount of scheduled underlying insurance. Nothing in a. or b. above shall serve to increase the limits of insurance shown in the Declarations. 5. The limits of this policy shall apply separately to a. Each consecutive annual period and b. Remaining periods 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 G15057 C Ed. 0605 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 CONDITIONS 1. Financial Impairment Bankruptcy rehabilitation receivership liquidation or other financial impairment of you or an underlying insurer shall neither relieve nor increase any of our obligations under this policy. In the event there is diminished recovery or no recovery avallable to you as a result of such financial impairment of an insurer providing scheduled underlying insurance the coverage under this policy shall apply only in excess of the limits of insurance stated in the scheduled underlying insurance. Under no circumstances shall we be required to drop down and replace the limits of insurance or assume the obligations of a financially impaired insurer. 2. Duties of the Insured a. In the event of an incident which has not resulied in a claim or suit. Whenever you have information of an incident which involves injuries or damages likely to involve this policy written notice shall be given by or for you to us or to our authorized agent as soon as practicable. The notice shall contain 1 Particular information sufficient to identify the insured 2 Such information as can be reasonably obtained with respect to time place and circumstances of the occurrence or offense and 3 Names and addresses of the insured and of available witnesses. b. I the Event of Claims or Suit You shall provide us with written notice as soon as practicable whenever 1 A claim is made or suit is brought against you 2 You receive notice that a right to bring claim or suit against you will be asserted or 3 You obtain information that the obligation of underlying insurers to a Investigate b Defend c Pay on behalf of or d Indemnify you has ceased. Page 8 of 17 Page 8 of 17 | 1 |
G15057 C Ed. 0805 000025 00020060692210001193765561730 Every demand notice summons amended complaint or other process received by you or your representative shall be forwarded with each notice. 3. Legal Action Against Us No legal action shall be brought against us unless you have fully complied with all the terms of this policy and the amount of your obligation to pay has been finally determined either by a. Judgment against you after actual trial or b. Written agreement between us you and the claimant. 4. Other Insurance This insurance is excess over and will not contribute with any other insurance available to the insured whether such other insurance is stated to be primary contributory excess contingent or otherwise. This condition does not apply to insurance purchased specifically to apply in excess of this insurance. 5. Premium Audit a. We will compute all premiums for this policy in accordance with our rules and rates. b. If the premium is shown in the Declarations as flat the premium for this policy is not subject to adjustment. c. If the premium is shown in the Declarations as adjustable the premium shown as the advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period. Audit premiums are due and payable on notice 1o the first Named Insured shown in the Declarations. If the sum of the advance and audit premiums paid for the policy term are greater than the earned premium we will return the excess subject to the minimum premium to the first Named Insured shown in the Declarations. d. The first Named Insured shown in the Declarations must keep records of the information we need for premium computation and send us coples at such times as we request. 6. Nonrenewal If we decide not to renew this policy we will mail or deliver to the first Named Insured shown in the Declarations written nofice 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. 7. Severability of Interests The insurance afforded applies separately to each insured against whom claim is made or suit is G16067 C Ed. 0605 10. 1. brought. However the inclusion of more than one insured shall not operate to increase the limits of insurance. Annual Rating if this policy is issued for a period in excess of one year the premium may be revised on each annual anniversary in accordance with our rates and rules in effect at that time. Scheduled Underlying Insurance Material change in premium for scheduled underlying insurance shall be promptly reported to us. Premium for this policy may be adjusted to reflect changes in underlying insurance in accordance with our manuals in effect at the time of the change. Maintenance of Scheduled Underlying Insurance While this policy is in force you agree that the policies listed in the Declarations as scheduled underlying insurance and their renewals and replacements shall be maintained without alterations of terms or conditions in full effect during the term of this policy except for reduction or exhaustion of the aggregate limits of insurance in the scheduled underlying insurance provided that such reduction or exhaustion is solely the result of incidents taking place during this policy period and not before. If you fail to maintain scheduled underlying insurance this condition shall not invalidate this policy. However in the event of such failure we will only be liable to the same extent as if you had complied with this condition. Appeals If you or your underlying insurers elect not to appeal a judgment in excess of the limits of insurance afforded by the a. Scheduled underlying insurance b. Unscheduled underlying insurance or c. Retained limit we may elect to appeal. Our limit of liability shall not be increased because of such appeal. We will however pay the following costs and expenses a. All premium bonds to release attachments for an amount not in excess of the applicable limit of liability of this policy b. Al premiums on appeal bonds required in such defended suit but without obligation to apply for or furnish such bonds c. Courtfees d. Costs and expenses taxed against you by the appellate court and interest accruing after entry of a judgment against you and before we have 1 Paid Page 9 0of 17 tent between us you and the r insurance IS siaiea 1o be primary ss contingent or otherwise. This ot apply to insurance purchased in excess of this insurance. ute all premiums for this policy in th our rules and rates. is shown in the Declarations as flat for this policy is not subject to n is shown in the D larations as nan nan nan nan 520000.0 Page 9 of 17 | 1 |
G15057 C Ed. 0605 2 Offered to pay or 3 Deposited in court the part of the judgment that is within the applicable limit of insurance. Where the underlying insurers terminate their liability to pay interest on the judgment by an offer to pay their limits you shall demand that such limits be paid. If the appeal is successful such amounts not obligated to be paid shall be returned to such underlying insurer. 12. Subrogation In the case of any payments by us under the coverages of this policy we shall be subrogated to all rights of recovery against any other party which you may have and will cooperate with you and all other interests. Amounts recovered shall be apportioned in the following order a. Amounts paid in excess of the payments under this policy shall first be reimbursed up to the amount paid by those including you who made such payments b. We are then to be reimbursed up to the amount we paid c. Any remainder shall be available to the interests of those over whom this coverage is in excess and who are entitled to claim such remainder. Expenses necessary to the recovery of such amounts shall be divided between the interests concerned including you in the ratio of their respective recoveries as finally settled. 13. Settiement of Claims or Suit We may pay but are not obligated to pay any part or all of the amount of the retained limit to effect settlement of a claim or suit. Upon notification of the action taken you shall promptly reimburse us for such part of the retained limit that we had paid. All named insureds are joinily and severally responsible for our reimbursement and agree to make such reimbursement within 30 days after we give you written notice or demand for payment. 14. Sole Agent The insured first named in the Declarations is authorized to act on behalf of all named insureds and other insureds with respect to a. The giving and receiving of notice of cancellation and b. Receiving return premium that may be payable under this policy. The insured first named in the Declarations is responsible for the payment of premiums but the other named Insureds jointly and severally agree to make G15057 C Ed. 0605 such payments in full if the insured first named fails to pay the amount due within 30 days after we give written notice or demand. 15. Trade Sanctions In accordance with laws and regulations of the United States concerning economic and trade embargoes this policy is void ab initio void from its inception with respect to any term or condition of this policy that violates any laws or regulations of the United States concerning economic and frade embargoes including but not limited to the following a. Any insured or any person or entity claiming the benefits of an insured who is or becomes a Specially Designated National or Blocked Person or who is otherwise subject to U.S. economic or trade sanctions b. Any claim or suit that is brought in a Sanctioned Country or by a Sanctioned Country Government where any action in connection with such claim or suit is prohibited by U.S. economic or trade sanctions c. Any claim or suit that is brought by any Specially Designated National or Blocked Person or any person or entity who is otherwise subject to U.S. economic or trade sanctions d. Property that is located in a Sanctioned Country or that is owned by rented to or in the care custody or conirol of a Sanctioned Country Government where any activities related to such property are prohibited by U.S. economic or trade sanctions or e. Property that is owned by rented to or in the care custody or control of a Specially Designated National or Blocked Person or any person or entity who Is otherwise subject to U.S. economic or trade sanctions. As used in this policy a Specially Designated National or Blocked Person is any person or entity that is on the list of Specially Designated Nationals and Blocked Persons issued by the U.S. Treasury Department s Office of Foreign Asset Control O.F.A.C. as it may be from time to time amended. As used in this policy a Sanctioned Country is any country that is the subject of trade or economic embargoes imposed by the laws or regulations of the United States of America. 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 Page 10 of 17 19 HSUlEls ehniiate heir kabiity 10 pay n the judgment by an offer to pay their 1 shall demand that such limits be paid. If al is successful such amounts not to be paid shall be returned to such g insurer. of any payments by us under the this policy we shall be subrogated to all very against any other party which you d will cooperate with you and all other ounts recovered shall be apportioned in rder paid in excess of the payments under y shall first be reimbursed up to the aid by those including you who made nents 1en to be reimbursed up to the amount inder shall be available to the interests of r whom this coverage is in excess and ntitled to claim such remainder. essary to the recovery of such amounts led between the interests concerned in the ratio of their respective recoveries Y d Claims or Suit but are not obligated to pay any part or ount of the retained limit to effect 1 claim or suit. Upon notification of the ou shall promptly reimburse us for such ained limit that we had paid. All named ointly and severally responsible for our t and agree to make such t within 30 days after we give you or demand for payment. first named in the Declarations is t on behalf of all named insureds and Page 10 of 17 | 1 |
G15057 C Ed. 0605 000025 8 g 8 8 a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding websites only that part of a website that is about your goods or services for the purposes of atiracting customers or supporters is considered an advertisement. 2. Automobile 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 in the state where it is licensed or principally garaged. However automobile does not include mobile equipment. 3. Bodily injury means bodily injury sickness or disease sustained by a person including death humiliation shock mental anguish or mental injury by that person at any time which results as a consequence of the bodily injury sickness or disease. 4. Aircraft means a vehicle designed to transport persons or property in the air. 5. Impaired property means tangible property other than your product or your work that can not be used oris less useful because a. Itincorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by a. The repair replacement adjustment or removal of your product or your work or b. Your fulfiling the terms of the contract or agreement. 6. Insured contract means Alease of premises A sidstrack agreement c. An easement or license agreement except in connaction with construction or demolition operations on or within 50 feet of a railroad d. Anindemnification of a municipality as required by ordinance except in connection with work for a municipality. An elevator maintenance agreement or f. The part of other contracts or agreements pertaining to your business including an G15057 C Ed. 0605 7. indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability to pay damages because of bodily injury or property damage to a third person or organization if the contracts or agreements are made prior to the bodily injury or property damage. Tort liability means liability that would be imposed by law in the absence of contracts or agreements. An insured contract does not include that part of a contract or agresment a. That indemnifies an architect engineer or surveyor for an injury or damages arising out of 1 Preparing approving or failing to prepare or approve a Maps b Drawings c Opinions d Reports e Surveys f Change orders g Designs or h Specifications or 2 Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage b. Under which the insured if an architect engineer or surveyor assumes liability for injury or damage arising out of the insured s rendering or failure to render professional services including those listed in a1 above and supervisory inspection or enginesring services or c. That indemnifies a person or organization for damage by fire to premises rented or loaned to an insured. 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 automobile b. While it is in or on an aircraft watercraft or automobile or. While it is being moved from an aircraft watercraft or automobile 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 fruck that is not attached to the aircraft watercraft or automobile. Page 11 of 17 | 1 |
G15057 C Ed. 0605 8. 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 that travel on crawler treads Vehicles maintained for use solely on or next to premises you own or rent 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 seli 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 f. Venhicles not described in a. b.. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the following type of permanently attached equipment are not mobile equipment but will be considered automobiles 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobiles 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 in the state where it is licensed or principally garaged. Land vehicles subject to a G15067 C Ed. 0605 10. 1. compulsory or financial responsibility faw or other motor vehicle insurance law are considered automobiles Incident a. With respect to bodily injury and property damage incident means an occurrence. An occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. b. With respect to personal and advertising injury incident means an offense arising out of your business. 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 or abuse of process c. Wrongful eviction from wrongful entry into or the 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. Discrimination unless such insurance is prohibited by law e. 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 f. Oral or written publication in any manner of material that violates a person s right of privacy g. The use of another s advertising idea in your advertissment h. Infringing upon another s copyright frade dress or slogan in your advertisement. a. Products completed operations hazard includes bodily injury and property damage oceurring away from premises an insured owns or rents and arising out of your product or your work except 1 Products in your physical possession or 2 Work not yet completed or abandoned. b. Your work will be deemed completed at the earliest of the following 1 When all work called for in the insured contract has been completed 2 When all of the work to be done at the site has been completed if the insured s contract calls for work at more than one site or Page 12 of 17 or nexi to or not obility to resurfacing equipment ers or rollers 1 b.. or d. above that are maintained primarily permanently attached types mps and generators Iding building cleaning on lighting and well r imilar devices used to a b. c. or d. above urposes other than the I cargo. hicles with the following he d equipment are not will be considered rimarily for 11. a. Page 12 of 17 | 1 |
G15057 C Ed. 0605 000025 2 i 8 g g 3 When that part of the work done at a job site has been put to its intended use by a person or organization other than another contractor or subcontractor working on the same project. Work that may need a Service b Maintenance c Correction d Repair or e Replacement but which is otherwise complete will be treated as completed. This hazard 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 created by the loading or unloading of it or 2 The existence of a Tools b Uninstalled equipment or c Abandoned or unused materials. 12. 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 shall be desmed to occur at the time of the occurrence that caused it. For the purposes of this insurance slectronic data is not tangible property. 13. Sult means a civil proceeding in which damages because of a. Bodily injury b. Property damage or c. Personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding alleging such damages to which you must submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which you submit with our consent. 14. 15. 18. 17. 18. Your product means a. Any goods or products other than real property manufactured sold handled distributed or disposed of by 1 You 2 Others trading under your name or 3 A person or organization whose business or assets you have acquired and b. Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. Your product includes warranties or representations made with respect to the fitness quality durability performance or use of your product and the providing of or failure to provide warnings or instructions. Your product does not include vending machines or other property rented to or located for the use of others but not sold. Your work means a. Work or operations performed by you or on your behalf and b. Materials parts or equipment furished in connection with such work or operations. Your work includes warranties or representations made with respect to the fitness quality durability performance or use of your work and the providing of or failure 1o provide warnings or instructions. Retained limit means the amount stated as such in the Declarations. The retained limit is retained and payable by the insured as respects all incidents not covered by scheduled underlying insurance or by unscheduled underlying insurance. Scheduled underlying insurance means the insurance policies listed in the Schedule of Underlying Insurance including renewal or replacement of such contracts which are not more restrictive than those jisted in the aforementioned Schedule of Underlying Insurance. Ultimate net loss a. Ultimate net loss means the actual damages the insured is legally obligated to pay either through 1 Final adjudication on the merits or 2 Through compromise setflement with our written consent or direction because of incidenis covered by this policy. However it includes the above mentioned sums only after deducting all other recoveries and salvages. other than another contractor r working on the same project. need ce nt ise complete will be treated as not include bodily injury or arising out of tion of property unless the je arises out of a condition in or created by the loading or 1 3 of od equipment or ed or unused materials. neans tangible property inciuding all ise of that property. All such loss Page 13 of 17 G15057 C Ed. 0605 | 1 |
G15057 C Ed. 0605 b. Ultimate net loss does not include the following 1 Costs or expenses related to a Litigation b Settiement c Adjustment or d Appeals nor costs or expenses incident to the same which an underlying insurer has paid incurred or is obligated to pay to or on behalf of the insured 2 Pre judgment interest 3 Office costs and expenses and salaries and expenses of the employees of an insured 4 Our office costs and expenses and salaries of our employees or General retainer andor monitoring fees of counsel retained by the insured. 5 19. Underlying insurer means an insurer whose policy covers bodily injury property damage or personal and advertising injury also covered by this policy but does not include insurers whose policies were purchased specifically to be in excess of this policy. It includes all insurers providing a. Unscheduled underlying insurance and b. Scheduled underlying insurance. 20. Unscheduled underlying insurance a. Unscheduled underlying insurance insurance policies available to an whether 1 Primary 2 Excess 3 Excess contingent or 4 Otherwise except the policies listed in the Scheduls of Underlying Insurance. means insured b. Unscheduled underlying insurance does not include insurance purchased specifically to be excess of this policy. 21. Watercraft means a vehicle designed to transport persons or property in or on water. 22 Authorized Insured means any named insured or any employee authorized by a named insured to give or receive notice of a claim or suit. 23. Electronic data means Information facts or programs stored as or on created or used on or transmitted to or from computer software including G15057 C Ed. 0605 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. 24. Pollutants means 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. 25. Fungi or microbes means a. Any form of fungus yeast mold mildew or mushroom including mycotoxins spores scents byproducts or other substances produced or released by fungi and b. Any bacteria virus or any other non fungal single celled or colony form organism including any toxins scents byproducts or other substances it produces or releases whose injurious source is in or on a building or its contents. But fungi and microbes does not include fungi that were deliberately grown for human consumption microbes that were transmitted directly from person to person or microbes that caused food poisoning if your business is food processing sales or serving. 26 Silica means the chemical compound silicon dioxide Si02 in any form including dust which contains silica. 27. Asbestos means the mineral in any form whether or not the asbestos was at any time a. Airborne as a fiber particle or dust b. Contained in or formed a part of a product structure or other real or personal property c. Carried on clothing d. Inhaled or ingested or e. Transmitted by any other means. 28. 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 fese salary or other compensation by you or anyone else for their work performed for you. SECTION VI DEFENSE PAYMENT AND RELATED DUTIES 1. If a claim or suit alleges damages covered by underlying policies and the obligation of all underlying insurers either to a Investigate and defend the insured or b. Pay the cost of such investigation and defense ceases solely through exhaustion of all underlying limits of insurance through payment of a combination Page 14 of 17 L A es and salaries and es of an insured onses and salaries of monitoring fees of sured. insurer whose policy lamage or personal ed by this policy but underlying insurance and derlying insurance. derlying insurance underlying insurance means licies available to an insured ntingent or | 1 |
G15057 C Ed. 0605 000025 8 g g of covered expenses settlements or judgments for bodily injury property damage or personal and advertising injury taking place during our policy period then we will either a. Assume the investigation and defense of the insured against suits seeking damages or b. I we elect not to assume the investigation and defense in 1.a. above we will reimburse the insured for reasonable defense costs and expenses incurred with our written consent. However such reimbursement excludes 1 Office expenses of the insured 2 Salaries and expenses of employees and 8 General retainer fees of counssl retained by the insured. 2. We will investigate and defend an insured or reimburse an insured for suits brought against an insured for a claim or suit that alleges damages because of bodily injury property damage or personal and advertising injury not covered under a Scheduled underlying insurance and b. Unscheduled underlying insurance but which seeks damages because of bodily inju property damage or personal and advertising injury otherwise covered under this policy. Costs and expanses of such investigation and defense are not subject to the retained limit. 3. We will investigate and defend an insured or reimburse an insured for such costs of investigation and defense described in either 1. or 2. above even if the allegations of a suit are a. Groundless b. False or Fraudulent but only until we make payment or offer to pay or deposit in court that part of judgments not exceeding our limit of insurance. 4. We shall also have the sole right to make settlement of a suit as we deem expedient. 5. If not permitted by law or otherwise to perform these duties we will pay an insured for defense costs and expenses incurred with our prior written consent. 6. Amounts we pay or incur pursuant to the obligation to defend or pay the costs and expenses of defense are in addition to and not subject to the limits of insurance stated in the Declarations. 7. In addition to our limits of insurance we will pay prejudgment interest awarded against an insured on that part of a judgment covered by this policy. We will G15057 C Ed. 0605 not pay prejudgment interest on that period of time after we offer to pay a. Our limit of insurance or b. That portion of our limit of insurance which equals the amount of a seftlement demand when combined with the limits of underlying insurers. 8. We will pay interest on a judgment that accrues after entry of that judgment but before we have a. Paid b. Offered to pay or c. Deposited in court that part of the judgment that is within the limit of insurance of this policy. The amount of interest we pay will be in direct proportion that amount we pay as damages bears to the total amount of judgment. We will not pay additional interest that accrues after we have a. Paid b. Offered to pay c. Deposited in court that part of the judgment that is within the limit of insurance of this policy. 9. Woe will pay all reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit. This includes actual loss of earnings up to liability 250. a day because of time off from work. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT BROAD FORM Itis agreed that I. This policy does not apply A. Under Liability Coverage to bodily injury personal and advertising injury or property damage 1. With respect to which an insured under this policy is also an insured under a nuclear energy liability policy issued by the a. Nuclear Energy Liability Insurance Association b. Mutual Atomic Energy Liability Underwriters or c. Nuclear Insurance Association of Canada or any of their successors or would be an insured under any such policy but for its Page 15 of 17 YOele il N consent. es ses and retained by insured or against an s damages damage or ed under odilv iniurv Itis agreed that I This policy Page 15 of 17 | 1 |
G16057 C Ed. 0605 termination upon exhaustion of its limit of liability or 2. Resulting from the hazardous properties of nuclear material and with respect to which a. Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954 or any law or amendment thereof or b. The insured is or had this policy not been Issued would be entifled to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. B. Under any Supplementary Payments provision relating to first aid to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization.. Under any Liability Coverage to bodily injury personal and advertising injury or property damage resulting from the hazardous properties of nuclear material if 1. The nuclear material a. s at any nuclear facility owned by or operated by or on behalf of an insured or b. Has been discharged or dispersed therefrom 2. The nuclear material is contained in spent fuel or waste at any time possessed handled used processed stored transported or disposed of by or on behalf of an insured or 3. The bodlly injury personal and advertising injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connsction with the Planning Construction Maintenance Operation or e. Useof any nuclear facility but if such facility is located within the United States of America its territories or possessions or Canada this exclusion C.3. applies only to property damage to such nuclear facility and any property threat. 20 oo G15057 C Ed. 0605 As used in this endorsement A B. C. Hazardous properties include radioactive toxic or explosive properties. Nuclear material means source material special nuclear material or byproduct material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel component solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means waste material 1. Containing by product material other than the failings or waste produced by the extraction or concentration of uranium or thorium from ore processed primarily for its source material content and 2. Resulting from the operation by any person or organization of a nuclear facility included within paragraphs 1. and 2. of the definition of nuclear facility. Nuclear facility means 1. Any nuclear reactor 2. Any equipment or device designed or used for a. Separating the isotopes of uranium or plutonium b. Processing or utilizing spent fuel or handling waste 3. Any equipment or device used for the processing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment is located consists of or contains more than processing or packaging a. 25 grams of plutonium or uranium 233 or any combination thereof or b. 250 grams of uranium 235 4. Any siructure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the foregoing is located all operations conducted on such site and all premises used for such operations. Page 16 of 17 Page 16 of 17 | 1 |
G15057 C Ed. 0605 H. Property damage includes all forms of radioactive contamination of property. Nuclear reactor means an apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. nan nan nan nan 520000.0 1 Page 17 of 17 G16057 C Ed. 0605 | 1 |
CNA G16377 B Ed. 1191 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TOTAL POLLUTION EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE PART It is agreed that Exclusion f. Section I is replaced by the following f. 1 Bodily injury personal injury or property dam age which would not have occurred in whole or in part but for the actual alleged or threatenad discharge dispersal seepage migration release or escape of pollutants at any time. 2 Any loss cost or expense arising out of any a Request demand or order 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 lutants or b Claim or suit by or on behalf of a mental authority for damages beca testing for monitoring cleaning up ing treating detoxifying or neutralizing any way responding to or assessing fects of poliutants. Pollutants means any solid liquid gaseous or t irritant or contaminant including smoke vapor fumes acid alkalis chemicals and waste. Wa cludes materials to be recycled reconditioned claimed. way respond to or assess the effects of pol lutants or b Claim or suit by or on behalf of a govem mental authority for damages because of testing for monitoring cleaning up contain ing treating detoxifying or neutralizing or in any way responding to or assessing the ef fects of poliutants. Pollutants means any solid liquid gaseous or thermal irritant or contaminant including smoks vapor soot fumes acid alkalis chemicals and waste. Waste in cludes materials to be recycled reconditioned or re claimed. G16377 B Ed. 1191 Page 1 of 1 | 2 |
G18132 B Ed. 0705 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY LIMITATION ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE PART The following coverage is added to SECTION COVERAGES 1. INSURING AGREEMENT We will pay on behalf of the insured ultimate net loss in oxcess of scheduled underlying insurance that the insured becomes legally obiigated to pay because of a wrongful act as covered in the scheduled underlying insurance by Employee Benefits Liability coverage to which this insurance applies. This insurance applies only if a. And to the extent that Employee Benefits Liability coverage is covered by scheduled underlying insurance b. The wrongful act is committed during this policy period. For the purposes of this endorsement wrongiul act means a negligent act error or omission committed in the administration of your employee benefits program. Employee benefit program means the same as it does in the scheduled underlying insurance. nan nan nan nan 520000.0 SEL1955988400026909002000 Page1of 1 G18132 B Ed. 0705 | 2 |
G18330 A Ed. 0792 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ARCHITECTS AND ENGINEERS EXCLUSION OF LIABILITY FOR PROFESSIONAL SERVICES ENDORSEMENT This endorsement modifies insurance provided under the following COMMERGIAL UMBRELLA PLUS COVERAGE PART EXCESS THIRD PARTY LIABILITY POLICY Itis agreed that this insurance does not apply to any liabil b The preparation or approval of maps plans opinions Ity arising out of any act or omission or to the rendering of reports surveys change orders designs or specifica or failure to render professional services as an architect tions engineer surveyor landscape architect soil or subsoil.. N analyst by you or any other person for whose acts you are The supervision observation or inspection of con legally responsible. struction fabrication manufacture installation engl neering services or other such work or operations or As used in this endorsement professional services in cludes but is not limited to d Project or construction management services a Feasibility studies cost estimates or soil tests G18330 A Ed. 0792 Page 1 of 1 | 2 |
G300351A Ed. 09 11 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE PART Based on our reliance on your representations as to existing hazards if unintentionally you should fail to disclose all such hazards at the inception date of your policy we will not deny coverage under this Coverage Part because of such failure. All other terms and conditions of the Policy remain unchanged. This endorsement which forms a part of and is for attachment to the Policy issued by the designated Insurers takes effect on the effective date of said Policy at the hour stated in said Policy unless another effective date is shown below and expires concurrently with said Policy. 20000 0002006069231000118765561736 i G300351A Ed. 09 11 Policy No Page 1 of 1 Endorsement No Effective Date Insured Named Copyright CNA Al Rights Resarved. Copyright CNA All Rights Resarved. | 2 |
G300835A Ed. 09 11 CNA BROAD KNOWLEDGE OF OCCURRENCE ENDORSEMENT This endorsement modities insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE PART The following is added to paragraph 2. Duties of the Insured in SECTION IV CONDITIONS of this policy You must give us or our authorized representative notice of an occurrence offense claim or suit only when the occurrence offense claim or suit is known to 1 You if you are an individual 2 A partner if you are a partnership or joint venture 3 An executive officer or the employee designated by you to give such notice if you are a corporation or 4 A manager if you are a limited liability company. All other terms and conditions of the Policy remain unchanged. This endorsement which forms a part of and is for attachment to the Policy issued by the designated Insurers takes effect on the effective date of said Policy at the hour stated in said Policy unless another effactive date is shown below and expires concurrently with said Policy. G300835A Ed. 09 11 Policy No Page 1 of 1 Endorsement No Effective Date Insured Named Copvriaht CNA All Rlahts Resarved. Copyright CNA All Rights Reserved. | 2 |
G300982 A Ed. 0710 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CRISIS MANAGEMENT COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERGIAL UMBRELLA PLUS COVERAGE PART SCHEDULE Crisis Management Expense Aggregate Limit 250000 per policy period. Solely with respect to the Crisis Management Coverage provided by this endorsement the following changes apply to the Commercial Umbrella Plus Coverage Part. A. The following paragraph is added to SECTION 1 COVERAGES 1. Insuring Agreement e. When this policy applies to an fincident that causes setious bodily injury or property damags we will reimburse you for eligible crisis management expense you incur and report to us within six months of the incident. B. The following changes are made to SECTION Iif LIMITS OF INSURANCE 1. 2 Paragraph 2. is deleted in its entirety and replaced with the following The limit of insurance shown in the Declarations as the Aggregate Limit is the most we will pay for the sum of all ultimate net loss and sligible crisis management expense to which this insurance applies. This Aggregate Limit applies separately 1o all ultimate net loss a. Included in the products completed operations hazard b. To which and in the same manner an aggregate limit under scheduled underlying insurance other than ultimate net loss included in the products completed operations hazard and. To which no scheduled underlying insurance applies and includes any associated eligible crisis management expense. The Crisis Management Expense Aggregate Limit listed in the Schedule above is included within and is not in addition to the Aggregate Limit of this policy. The following paragraph is added 6. Subject to 2. above the Crisis Management Expense Aggregate Limit stated in the Schedule is the most we will pay for the sum of all eligible crisis management expense to which this insurance applies. C. The following definitions are added to SECTION V DEFINITIONS 1. Serious bodily injury or property damage means injury to three or more people resulting in death permanent disfigurement or the permanent loss or impairment of a bodily function body part or organ. Serious bodily injury or property damage also means property damage to which this insurance applies. Eligible crisis management expense means reasonable and necessary expenses incurred by a crisis management firm that you hire to provide media management services for the purpose of maintaining and restoring public confidence in you. But efigible crisis management expense does not mean any of the following a. Salary wages or benefits of you your employees or your temporary workers b. Costs to acquire repair or replace real or personal property c. Your loss of business income d. Your expense to hire a public adjuster or appraiser or any other claim adjustment expenses incurred by you and e. Bodily injury properly damage personal and advertising injury or any expense or other coverage this policy provides other than this CRISIS MANAGEMENT COVERAGE ENDORSEMENT. All other terms conditions and exclusions of this policy remain unchanged. nan nan nan nan 520000.0 LELH9S591860004E26908002000 N Page 1 of 1 G300982 A Ed. 0710 | 2 |
G301134 A Ed. 1010 CNA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. KEY EMPLOYEE REPLACEMENT EXPENSE COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following COMMERCIAL UMBRELLA PLUS COVERAGE PART SCHEDULE Limit of Insurance 100000 per Key Employee Key Employee Replacement Expense Coverage Aggregate Limit 100000 per policy period. Solely with respect to the Key Employment Replacement Expense Coverage provided by this endorsement the following changes apply to the Commercial Umbrella Plus Coverage Part. I. The following paragraphs are added to SECTION f. Any accident while the Key Employee was COVERAGES 1. Insuring Agreement driving while intoxicated impaired or other f. We will reimburse you for the actual and wise under the influence of alcohol or necessary Key Employee Replacement Expense g. Taking illegally obtained drugs. you incur dus to your permanent loss of the 2. Any expenses you incur which you would not have.sree lciZeneanEgilgxgs oczlsalmilysi incurred if you had used all reasonable means to months of the covered accident. a. Find a permanent replacement for the Key Insurance under this endorsement applies only if the Employee and covered accident occurs while your policy is in effect. b. Reduce or discontinue the Key Employee But the period of time for which we will pay expenses Replacement Expense covered under this endorsement will not be limited by the expiration of your policy. as soon as possible after your permanent loss of the services of the Key Employee caused by a Insurance under this endorsement does not apply to covered accident. 1. The death or permanent disability of a Key Insurance under this endorsement includes the Employee relating to or arising out of reasonable extra expense you incur to minimize the amount of Key Employee Replacement a. Warand Miltary Action meaning Expense but only to the extent the amount of 1 War including undeclared or civil war Key Employee Replacement Expense otherwise 2 Warllke action by a military force payable under this endorsement is reduced. including action in hindering or defending 3. Any additional expenses incurred due to your loss against an actual or expscted attack by of the services of a permanent replacement any government sovereign or other employee appointed or hired 1o replace a Key authority using military personnel or other Employes however caused. But this exclusion agents or does not apply if the replacement employee is included in the definition as a Key Employee and 3 Insurrection rebeliion revolution usurped povar r st loon by qowmonal 10U 103 1 b seiss of e rpiscomen authority in defending against any of these The amount of Key Employee Replacement Expense b. Nuclear reaction or radiation or radioactive will be determined based on contamination however caused 1. The actual and necessary expenses covered under this endorsement which you incur to find to c. Sickness or disease including metal illness or appoint or hire and o train a permanent mental injury replacement for the Key Employee and to d. Pregnancy childbirth miscarriage or abortion continue the performance of the Key Employee s... normal job responsibilities while a permanent e. Suicide attempted sulcide or seli inflicted replacement is being sought appointed or hired bodily injury while sane or insane G301134 A Copyright 2010 CNA Financial Corporation Page 1 of 3 Ed. 1010 G301134 A Ed. 1010 Page 1 of 3 | 2 |
G301134 A Ed. 1010 and trained. We will deduct from the total of such expenses a. Any expenses which would have been incurred by you for the Key Employee if you had not lost the services of the Key Employes and b. Any Key Employee Replacement Expense that is paid for by any other insurance. 2. Necessary eoxpenses that reduce the Key Employee Replacement Expense that otherwise would have been incurred. Il. The foliowing changes are made to SECTION Iil LIMITS OF INSURANCE Subject to 2. above the limit of insurance shown in the Declarations as the Each Incident limit is the most we will pay for the sum of all ultimate net loss and ali Key Employee Replacement Expense to which this insurance applies arising out of any one incident. HIl. The following definitions are added to SECTION V DEFINITIONS B. Key Employee Replacement Expense as used in this endorsement means the necessary expenses you Incur that you would not have incurred if you had not lost the services of the Key Employee 1. To continue the performance of the Key A. Paragraph 2. is deleted in its entirety and replaced Employee s normal job responsibilities with with the following comparable quality while a permanent. replacement for the Key Employee is being 2. The limit of insurance shown in the sought appointed or hired and trained. Declarations as the Aggregate Limit is the Insurance under this endorsement for these most we will pay for the sum of all ultimate expenses will apply for the period of time net loss to which this I.nsurance applles.and beginning on the date of your permanent loss applies separately to all ulimate net loss of the services of the Key Employee caused a. Included In the products completed by a covered accident and ending 60 days operations hazard after the date a permanent replacement for the Key Employee is appointed or hired b. To which and in the same manner an subject to a maximum period of 180 days. aggregate limit applies under scheduled underlying insurance other than ultimate 2. To find a qualified permanent replacement to net loss included in the products fill the Key Employee s position described in competed operations hazard and the Schedule meaning the normal and T hich secheduled underlyi reasonable i inzurvnciz apnpies.sc duled underlying a. Costs of adverfising the employment position opening The most we will pay for Key Employee. Replacement Expense due to your loss of b. Travel lodging meal and entertainment the services of any one Key Employee is the expenses incurred in interviewing job applicable Limit of Insurance shown in the applicants for the employment position Schedule for the Key Employes. The opening and amount payable under this endorsement is c. Miscellaneous exira expenses incurred in not subject to the retained limi. finding interviewing and negotiating with The limit of insurance shown In the Schedule the job applicants including but not above as the Key Employes Replacement limited to overtime pay costs to verify Expense Coverage Aggregate Limit is the the background and references the job most we will pay for the sum of all Key applicants and legal expenses incurred to Employee Replacement Expense to which draw up employment contracts. glesp Iresfess CzrlesraKgsey Eggrggg Insurance under this endorsement for these expenses El for the period of e Limit listed in the Schedule above is included baqinnning Ihepgge of yur errrnanelil Ilos within and is not in addition to the Aggregate of the services of the Key Employee caused Limit of this policy. by a covered accident and ending on the The Aggregate Limit does not apply to date a pe.rmanent replacement for the Key ultimate net loss for which no aggregate limit Employee is appointed or hired subject to a applies in the scheduled underlying maximum period of 180 days. insurance. 3. To appoint or hire and to train a permanent B. Paragraph 3. is deleted in ils entirety and replaced replacement for the Key Employes meaning with the following the normal and reasonable G301134 A Copyright 2010 CNA Financial Corporation Page 20f 3 Ed. 1010 20000 8821955906110001E26909002000 7 Copyright 2010 CNA Financial Corporation Page 20f3 | 2 |
G301134 A Ed. 1010 a. Expenses you incur to relocate the replacement employee to an area within a reasonable commute from the applicable employment location described in the Schedule b. First year amounts of the replacement employsee s i Annual base starting salary i Employee perquisite costs and iil Employee benefit costs in excess of the amounts which would have been incurred for the Key Employee if you had not lost the services of the Key Employee. But we will not pay more for these expenses than 10 of the amounts which would have been incurred for the Key Employes. c. First year costs of the replacement employee s training and education if the training and education is necessary for the replacement employes to perform the duties of the applicable position listed in the definition of Key Employee with the same quality of service as the Key Employee. Insurance under this endorsement for these expenses will apply only if the permanent replacement for the Key Employee is appointed or hired within 180 days after the date of your permanent loss of the services of the Key Employes caused by a covered accident. But Key Employee Replacement Expense does not mean any of the following a. Except as provided in paragraph 8.b above salary wages or benefits of you your employees your temporary workers or volunteer workers b. Costs to acquire repair or replace real or personal property c. Your loss of business income d. Your expense to hire a public adjuster or appraiser or any other claim adjustment expenses incurred by you. C. e. Bodily injury property damage personal and advertising injury or any expense or other coverage this policy provides other than this KEY EMPLOYEE REPLACEMENT EXPENSE COVERAGE ENDORSEMENT. Covered Accident means a sudden and unexpected incident not otherwise excluded in this endorsement which solely and independently of any other cause results in the Key Employee s 1. Death or 2. Permanent disability meaning the permanent physical inability or mental inability due to a permanent physical inability of the Key Employee to perform the normal duties of the applicable position for which the individual qualifies as a Key Employee within one year after the date of the sudden oceurrence. Key Employee means of the following officer and employment positions Chief Executive Officer 2. Chief Operating Officer 8. Chief Financial Officer 4. Corporate Sacretary 5. Treasurer 6. Executive Vice President and 7. Risk Manager. The following is added to the definition of incident c. With respect to Key Employee Replacement Expense Coverage Incident means a Covered Accident. All other terms conditions and exclusions of this policy remain unchanged. C. e. Bodily injury property damage personal and advertising injury or any expense or other coverage this policy provides other than this KEY EMPLOYEE REPLACEMENT EXPENSE COVERAGE ENDORSEMENT. Covered Accident means a sudden and unexpected incident not otherwise excluded in this endorsement which solely and independently of any other cause results in the Key Employee s 1. Death or 2. Permanent disability meaning the permanent physical inability or mental inability due to a permanent physical inability of the Key Employee to perform the normal duties of the applicable position for which the individual qualifies as a Key Employee within one year after the date of the sudden oceurrence.. Key Employee means of the following officer and employment positions Chief Executive Officer 2. Chief Operating Officer 8. Chief Financlal Officer 4. Corporate Sacretary 5. Treasurer 6. Executive Vice President and 7. Risk Manager.. The following is added to the definition of incident c. With respect to Key Employee Replacement Expense Coverage Incident means a Covered Accident. G301134 A Ed. 1010 Copyright 2010 CNA Financial Corporation Page 30f 3 | 2 |
IL0017 1198 000025 2 g g A. o D. COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or b. 30 days before the effecive date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured s last mailing address known to us. 4. Notice of cancellation wil state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled we will send the first Named Insured any premium refund due. If we cancel the refund will be pro rata. If the first Named Insured cancals the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed proof of mailing will be 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 Declarations is authorized to make changes in the terms of this policy with our consent. This policy s terms can be amended or waived only by endorsement issued by us and made a part of this policy. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. Inspections And Surveys 1. We have the right to a. Make inspections and surveys at any time b. Give you reports on the conditions we find and. Recommend changes. 2. We are not obligated to make any inspections surveys reporls 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 standards. 3. Paragraphs 1. and 2. of this condition apply not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections surveys reports or recommendations we may make relative to certification under state or municipal statutes ordinances or regulations of boilers pressure vessels or elevators. codes or E. Premiums The first Named Insured shown in the Declarations 1. s responsible for the payment of all premiums and 2. Will be the payee for any return premiums we pay. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. med Insured shown in the Declarations this policy by mailing or delivering to written notice of cancellation. ncel this policy by mailing or delivering t Named Insured written notice of at least ys before the effective date of tion if we cancel for nonpayment of n or ys before the effective date of tion if we cancel for any other reason. or deliver our notice to the first Named st mailing address known to us. ncellation will state the effective date of. The policy period will end on that y is cancelled we will send the first ired any premium refund due. If we refund will be pro rata. If the first ired cancels the refund may be less ta. The cancellation will be effective ave not made or offered a refund. ailed proof of mailing will be sufficient nan nan nan nan 520000.0 Page 1 of 1 Copyright Insurance Services Office Inc. 1998 IL 00 17 11 98 | 2 |
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IL 02 59 08 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 GOMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following 2. Cancellation Of Policies In Effect 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 policy we issued we may cancel this policy only for one or more of the following reasons 1 Nonpayment of premium 2 The policy was obtained through material misrepresentation 3 Any insured has submitted a fraudulent claim 4 Any insured has violated the terms and conditions of this policy 6 The risk originally accepled has substantially increased 6 Certification to the Director of Insurance of our loss of reinsurance which provided coverage to us for all or a substantial part of the underlying risk insured or 7 The determination by the Director of Insurance that the continuation of the policy could place us in violation of the Nebraska Insurance Laws. 3. c. If we cancel this policy subject to 2.a. or 2.b. above we will mail to the first Named Insured a written notice of cancellation stating the reasons for cancellation at least 1. 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 2. 60 days before the effective date of cancellation if we cancesl for any other reason. 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. B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. C. The foliowing is added and supersedes any provisions to the contrary NONRENEWAL 1. If we decide not to renew this policy we will mail written notice of nonrenewal stating the reasons for nonrenewal to the first Named Insured at least 60 days prior to the expiration date of this policy. 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 malling. ncellation Common c If the following 2 1 Effect Ir s 1 in effect for 60 days this policy for any 2 in effect for more s Is a renewal of a 3. Wew ay cancel this policy first e of the following knowr Certifi mium recef the de obtained through antatinn B Paraaranh nan nan nan nan 520000.0 092195594664 100026909002000 Copyright ISO Properties Inc. 2006 Page 1of 1 1L 02 59 09 07 | 2 |
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CNA IMPORTANT INFORMATION NOTICE OFFER OF TERRORISM COVERAGE NOTICE DISCLOSURE OF PREMIUM THIS NOTICE DOES NOT FORM A PART OF YOUR POLICY GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY You are hereby notified that under the Terrorism Risk Insurance Act as extended and reauthorized Act you have a right to purchase insurance coverage of losses arising out of acts of terrorism as defined in Saction 1021 of the Act subject to all applicable policy provisions. The Terrorism Risk Insurance Act established a federal program within the Department of the Treasury under which the federal government shares with the insurance industry the risk of loss from future terrorist attacks. This Notics is designed to alert you to coverage restrictions and to certain terrorism provisions in the policy. If there is any conflict between this Notice and the policy including its endorsements the provisions of the policy including its endorsements apply. CHANGE IN THE DEFINITION OF A CERTIFIED ACT OF TERRORISM The Act applies when the Secretary of the Treasury certifies that an event mests the definition of an act of terrorism. Originally the Act provides that to be certified an act of terrorism must cause losses of at least five million dollars and must have been committed by an individual or individuals acting on behalif of any foreign person or foreign interest to coerce the government or population of the United States. Howsver the 2007 reauthorization of the Act no ionger requires the act of terrorism to be committed by or on behalf of a foreign interest and certified acts of terrorism now encompass for example a terrorist act committed against the United States government by a United States citizen when the act is determined by the federal government to be a certified act of terrorism. In accordance with the Act we are required to offer you coverage for losses resuiting from an act of terrorism that is certified under the federal program. The policy s other provisions including nuclear war or military action exclusions will still apply to such an act. The premium charge for terrorism coverage Is shown separately on your Policy Declarations and is also included in the total premium. DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. LIMITATION ON PAYMENT OF TERRORISM LOSSES applies to policles which cover terrorism losses insured under the federal program including those which only cover fire losses If aggregate insured losses attributable to terrorist acts certified under the 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. Further this coverage is subject to a limit on our liability pursuant to the federal law where if aggregate insured losses attributable to terrorist acts certified under the Act exceed 100 billion in a Program Year January 1 through December 31 and we have met our insurer deductible under the 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. G144233 F Page 1 of 1 Ed. 0108 20000 19219592261 10001626909002000 | 2 |
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CNA 333 S Wabash Chicago Hlinois 60604 Policy Number. From Policy Petiod To Coverage Is Provided By 2092916465 033113 033114 Continental Casualty Company Named Insured And Address Agent DUTTON LAINSON COMPANY LOCKTON COMPANIES LLC 451 WEST SECOND STREET 444 W. 47TH ST. 900 HASTINGS NE 68901 7535 KANSAS CITY MO 64112 Agency 060692310 PAYMENT PLAN SCHEDULE IT IS AGREED THAT THE TOTAL ESTIMATED PREMIUM SHOWN IN THE DECLARATIONS OF THIS POLICY IS PAYABLE AS FOLLOWS 20000 EFFECTIVE DATE 03312013 04302013 05312013 06302013 07312013 08312013 09302013 10312013 11302013 12312013 01312014 02282014 TOTAL PREMIUM PREMIUM 2958. 2943 2943. 2943. 2943. 2943. 2943. 2943..00 2943. 2943..00 2943 2943 35331. 00 00 00 00 00 00 00 00 00 00 00 29L13559.06 1000E26909002000 ISSUE DATE 032913 | 2 |
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NOTICE TO POLICYHOLDERS Enclosed is your commercial insurance policy from Chubb. The bill that corresponds with this policy has been mailed separately. When you receive the bill please pay the amount due by the date indicated. Payment should be made directly to Chubb. As always prompt payment will keep your coverage in place. If you have any questions about the attached policy or need assistance with additional insurance contact your agent or broker. For questions about billing call our Premium Accounting Service Center at 1 800 372 4822. Thank you for insuring through Chubb. Reference Copy Form 99 10 0460 Ed. 2 97 Notice Page 10of 1 | 2 |
IMPORTANT NOTICE TO POLICYHOLDERS TERRORISM RISK INSURANCE ACT This Important Notice is being provided with your policy to further satisfy the disclosure requirementsof the Terrorism Risk Insurance Act. At the time you received the written offer for this policy we provided you with an Important Notice to Policyholdersindicating that the insurance provided in your policy for losses caused by certain acts of terrorism as defined in the Terrorism Risk Insurance Act would be partially reimbursed by the United States of America pursuant to the formula set forth in the Terrorism Risk Insurance Act. In addition as required by the Terrorism Risk Insurance Act we indicated that we would make available insurance for such losses in the same manner as we provide insurance for other types of los specified the premium we would charge if any for providing such insurance and except to the extent prohibited by law gave you the opportunity to reject such insurance and have a terrorism exclusion sublimit or other limitation included in your policy. This Important Notice refers back to that Important Notice and provides information about your decision and the manner in which your policy has been subsequently modified. 1f You rejected terrorism insurance under the Terrorism Risk Insurance Act your policy includes the appropriate amendatory endorsements. You did not reject terrorism insurance under the Terrorism Risk Insurance Act the premium charged for your policy including that portion applicable to terrorism insurance under the Terro Risk Insurance Act is shown in your policy. To the extent your policy includes a limitation on terrorism insurance it has been modified so that such limitation does not apply to terrorism insurance under the Terrorism Risk Insurance Act. carefully review your policy and the Important Notice previously provided to you for further s. Please remember that only the terms of your policy establish the scope of your insurance protection. Please note that if your policy provides commercial property insurance in a jurisdiction that has a statutory standard fire policy the premium we charge for terrorism insurance under the Terrorism Risk Insurance Act includes an amount attributable to the insurance provided pursuant to that standard fire policy. Rejection of such statutory insurance is legally prohibited. is a workers compensation policy rejection of insurance for terrorism is legally prohibited. If aggregate insured lo Act exceed 100 billion in a Program Year January 1 through December 31 the Treasury not make any payment for any portion of the amount of such losses that exceeds 100 billion. 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. Reference Copy last page Form 99 10 0732 Rev. 12 07 Important Notice Page 1 | 2 |
IMPORTANT NOTICE TO POLICYHOLDERS This Important Notice is not your policy. Please read your policy carefully to determine your rights duties and what is and what is not covered. Only the provisions of your policy determine the scope of your insurance protection. THIS IMPORTANT NOTICE PROVIDES INFORMATION CONCERNING POSSIBLE IMPACT ON YOUR INSURANCE COVERAGE DUE TO COMPLIANCE WITH APPLICABLE TRADE SANCTION LAWS. PLEASE READ THIS NOTICE CAREFULLY. Various trade or economic sanctions and other laws or regulations prohibit us from providing insurance in certain circumstances. For example the United States Treasury Department s Office of Foreign Asset Control OFAC administers and enforces economic and trade sanctions and plac trictions on transactions with foreign agents front organizations terrorists terrori organizations and narcotic traffickers. OFAC acts pursuant to Executive Orders of the President of the United States and specific legislation to impose controls on transactions and freeze foreign assets under United States jurisdiction. To learn more about OFAC please refer to the United States Treasury s web site at httpwww treas.govofac. To the extent that you or any other insured or any person or entity claiming the benefits of this insurance has violated any applicable sanction laws this insurance will not apply. We have added a condition or section that applies to the entire policy called Compliance With Applicable Trade Sanctions which stipulates that your insurance policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance. Reference Copy last page Form 99 10 0792 Ed. 9 04 Tmportant Notice Page T | 2 |
POLICYHOLDER NOTICE All of the members of the Chubb Group of Insurance companies doing business in the United States hereinafterChubb distribute their products through licensed insurance brokers and agents producers. Detailed information regarding the types of compensation paid by Chubb to producers on US insurance transactionsis available under the Producer Compensation link located at the bottom of the page at www.chubb.com or by calling 1 866 588 9478. Additional information may be available from your producer. Thank you for choosing Chubb. Reference Copy last page Form 99 10 0872 Ed. 6 07 Policyholder Notice Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance Policy Notice Defense Within Limits Notice This policy contains a provision which makes defense and supplementary payments included within the Limits of Insurance when defense and supplementary payments of any underlying insurance policy reduce the limit of insurance provided by that policy. If you have any questions or require additional information about this provision please contact your agent or broker. Reference Copy Defense Within Limits Notice last page Policy Notice Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance Premium Bill To APRIL 302015 Policy Period APRIL 302014 Effective Date April 302014 Policy Number 7981 35 02 Insured GLENWOOD CAPITAL LLC Name of Company FEDERAL INSURANCE COMPANY Date Issued January 312014 Producer LOCKTON COMPANIES LLC THIS BILLING IS TO BE ATTACHED TO AND FORM A PART OF THE POLICY PLEASE SEND PAYMENT DIRECTLY TO CHUBB IF APPLICABLE Coverage Premium 3066.00 Commercial Umbrella Renewal Total 3066.00 Portion of total premium attributable for Terrorism and statutory standard fire where applicableis 89.00 Reference Copy last page Form 07 10 0542 Ed. 10 06 Premium Bill Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance Declarations Chubb Group of Insurance Companies Chubb Group of Insurance Companies 15 Mountain View Road Warren NJ 07059 Policy Number 7981 35 02 Named Insured and Mailing Address GLENWOOD CAPITAL LLC 7101 COLLEGE BLVD OVERLAND PARK KS 66210 Issued by the stock insurance company indicated below herein called the company. FEDERAL INSURANCE COMPANY Incorporated under the laws of Indiana Producer No. 0037949 99999 Incorporated under the laws of Indiana Producer LOCKTON COMPANIES LLC 444 W 47TH ST STE 900 KANSAS CITY MO 64112 1905 Policy Period From APRIL 302014 To APRIL 30 2015 1201 AM. standard time at the Named Insured s mailing address shown above. 0 0 S Premium 3066.00 Limits Of Insurance Excess Coverage Other Aggregate Limit as applicable 3000000. Umbrella Coverages Aggregate Limit 3000000. Products Completed Operations Aggregate Limit SEE BELOW Advertising Injury and Personal Injury Aggregate Limit 3000000. Each Occurrence Limit 3000000. INCLUDED IN THE EXCESS COVERAGE OTHER AGGREGATE LIMIT B Authorization In Witness Whereof the company issuing this policy has caused this policy to be signed by its authorized officers but this policy shall not be valid unless also signed by a duly authorized representative of the company. FEDERAL INSURANCE COMPANY Secretary President ble Authorized Representative Q.Dl January 31 2014 Reference Copy Chubb Commercial Excess And Umbrella Insurance last page Form 07 02 2267 Ed. 2 09 Declarations Page T | 2 |
Chubb Commercial Excess And Umbrella Insurance Schedule Of Forms Policy Period Effective Date Policy Number Insured APRIL 302014 April 302014 7981 35 02 WCE GLENWOOD CAPITAL LLC to APRIL 302015 Name of Company Date Issued FEDERAL INSURANCE COMPANY January 312014 PREMIUM BILL DIRECT BILL NOTICE IMPORTANT NOTICE TO POLICYHOLDERS TRIPRA IMPORTANT NOTICE OFAC AOD IMPORTANT POLICYHOLDER NOTICE DEFENSE WITHIN LIMITS NOTICE COMMERCIAL EXCESS AND UMBRELLA DECLARATIONS CHUBB COMMERCIAL EXCESS UMBRELLA INSURANCE KANSAS CANCELLATION AND WHEN WE DO NOT RENEW COMPLIANCE WITH APPLICABLE TRADE SANCTIONS COVERAGE CRISIS ASSISTANCEEXCESS AND UMB COND CIVIL UNIONS OR DOMESTIC PARTNERSHIPS EXCL UMBRELLA COV B ALCOHOLIC BEVERAGES CAP ON CERTIFIED TERRORISM LOSSES POL EXCL INFO LAWS INCL UNAUT OR UNSOL COMMUN LIMITS EXCESS COVERAGE OTHER AGGREGATE LIMIT CONSTRUCTION DEVELOPMNT MAINT RENOVATION TOTL POLICY EXCL LOSS OF USE OF ELECTRONIC DATA NAMED INSURED ADVERTISING INJURY EXCL. COV.B BIOLOGICAL AGENTS EXCL. CARE CONTROL OR CUSTODY POLICY EXCLUSION DATA PROCESSING POLICY EXCLUSIONS FINANCIAL INSTITUTION ACTIVITIES EXCL. INTELLECTUAL PROPERTY LAWS OR RIGHTS LEAD EXCLUSION LEASING POLICY EXCLUSION MONEY AND SECURITIES EXCL. PROFESSIONAL SERVICES EXCL PERSONAL INJURY EXCLUSION COV. B POLLUTION EXCL. EXCESS FOLLOW FORM COV. A PRODUCTS COMPLETED COV. B EXCLUSION PERSONAL INJURY DEFINITION COV. B SUPPLEMENTARY PAYMENTS Chubb Commercial Excess And Umbrella Insurance Reference Copy Form 07 02 0822 Rev. 7 01 Schedule Of Forms Form Number As of the effective date printed above this is the Schedule Of Forms applicable to this policy 07 10 0542 99 10 0460 99 10 0732 99 10 0792 99 10 0872 07 10 0384 07 02 2267 07 02 0815 07 02 1006 07 02 1988 07 02 2440 07 02 2483 07 02 0871 07 02 1961 07 02 2172 07 02 2184 07 02 2245 07 02 2500 07 02 1477 07 02 0824 07 02 1692 07 02 0837 07 02 0843 07 02 0940 07 02 1146 07 02 1153 07 02 0934 07 02 0878 07 02 0864 07 02 0884 07 02 0885 07 02 0890 07 02 1647 07 02 0845 1006 0297 1207 0904 0607 0701 0209 0701 0502 0204 1210 0312 0114 1207 0113 0105 0108 0512 0701 0701 0701 0701 0701 0701 0510 0701 0701 0701 0701 0701 0701 0701 0701 0701 continued Page 1 | 2 |
Schedule Of Forms continued SECURITIES TRADE PRACTICES EXCL. 07 02 0942 0701 TRUST POLICY EXCLUSION 07 02 0935 0701 SCHEDULE OF UNDERLYING INSURANCE 07 02 0922 0701 07 02 0942 0701 07 02 0935 0701 07 02 0922 0701 Chubb Commercial Excess And Umbrella Insurance Reference Copy last page Form 07 02 0822 Rev. 7 01 Schedule Of Forms Page2 | 2 |
Chubb Commercial Excess And Umbrella Insurance Schedule Of Underlying Insurance Effective date APRIL 30 2014 Policy Number 7981 35 02 Insured GLENWOOD CAPITAL LLC Description Employers Liability Insurer FEDERAL INSURANCE COMPANY Policy No. 7171 36 65 Policy Period 04302014 to 04302015 Coverage B Employer s Bodily Injury By Accident s 100 000. Bodilv Iniurv By Disease Liability Each Accident Coverage B Employer s Liability Bodily Injury By Accident 100000. Each Accident Bodily Injury By Disease 500000. Policy Limit 100000. Each Employee T T Commercial General Liabili Insurer GREAT NORTHERN INSURANCE COMPANY Policy No. 3578 57 92 1000000. Each Occurrence Policy Period 04302014 2000000. General Aggregate. SEE BELOW Products Completed fo 04302015 Operations Aggregate Occurrence 1000000. Personal and Advertising Injury aggregate when Defense expenses included in the Limits of Insurance applicable PRODUCTS COMPLETED OPERATIONS AGGREGATE IS INCLUDED IN THE GENERAL AGGREGATE LIMIT Non Owned Hired Auto Liability Insurer FEDERAL INSURANCE COMPANY Policy No. 7498 37 22 1000000. EachAccident Policy Period 04302014 to 04302015 1000000. Each Accident Occurrence All other terms and conditions remain unchanged. Authorized Representative QJp January 31 2014 Reference Copy Authorization Chubb Commercial Excess And Umbrella Insurance last page Form 07 02 0922 Rev. 7 01 Schedule Of Underlying Insurance Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance Table Of Contents ravic Ui VUINciito Section Coverage Excess Follow Form Coverage A Coverages Umbrella Coverage B Investigation Defense And Settements... Supplementary Payments CONGETEION Who Is An Insured Excess Follow Form Coverage A Who Is An Insured Umbrella Coverage B Limits Of Insurance When Excess Follow Form Coverage A Applies Drop Down Exclusions Excess Follow Form Coverage A Exclusions Umbrella Coverage B Policy Exclusions Conditions Definitions Umbrella Coverage B Policy Definitions 25 29 Reference Copy Contract Page 10132 | 2 |
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Chubb Commercial Excess And Umbrella Insurance Contract Please read the entire policy carefully. The terms and conditions of this insurance include the various sections of this contract Coverages Investigation Defense And Settlements Supplementary Payments Coverage Territory Who Is An Insured Limits Of Insurance When Excess Follow Form Coverage A Applies Drop Down Exclusions Conditions and Definitions as well as the Declarations and any Endorsements and Schedules made a part of this insurance. Throughout this contract the words you and your refer to the Named Insured shown in the Declarations and other persons or organizations qualifying as a Named Insured under this contract. The words we us and our refer to the Company providing this insurance. In addition to the Named Insured other persons or organizations may qualify as insureds. Those persons or organizations and the conditions under which they qualify are identified in the Who Is An Insured section of this contract. Words and phrases that appear in bold print have special meanings and are defined in the Definitions section of this contract. Coverage Excess Follow Form Coverage A Co verages Umbrella Coverage B Bodily Injury And Property Damage Liability Coverage Subject to all of the terms and conditions applicable to Excess Follow Form Coverage A we will pay on behalf of the insured that part of loss to which this coverage applies which exceeds the applicable underlying limits. This coverage applies only if the triggering event that must happen during the policy period of the applicable underlying insurance happens during the policy period of this insurance. This coverage will follow the terms and conditions of underlying insurance described in the Schedule Of Underlying Insurance unless a term or condition contained in this coverage differs from any term or condition contained in the applicable underlying insurance or is not contained in the applicable underlying insurance. With respect to such exceptions described above the terms and conditions contained in this coverage will apply. to the extent that such terms and conditions provide less coverage than the terms and conditions of the applicable underlying insurance. This coverage does not apply to any part of loss within underlying limits or any related costs or expenses. We have no obligation under this insurance with respect to any claim or suit settled without our consent. Other than as provided under the Investigation Defense And Settlements and Supplementary Payments sections of this contract we have no other obligation or liability to pay sums or perform acts or services under this coverage. Subject to all of the terms and conditions applicable to Umbrella Coverage B we will pay on behalf of the insured loss by reason of liability imposed by law or assumed in an insured contract Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 30132 | 0 |
Coverages Umbrella Coverage B Bodily Injury And Property Damage Liability Coverage continued Advertising Injury And Personal Injury Liability Coverage for bodily injury or property damage caused by an occurrence to which this coverage applies. This coverage applies only to such bodily injury or property damage that occurs during the policy period. Damages for bodily injury include damages claimed by a person or organization for care or loss of services resulting at any time from the bodily injury. This coverage does not apply to any part of A. loss to which underlying insurance would apply regardless of whether or not 1. underlying insurance is available and 2. the applicable underlying limits have been exhausted B. loss to which underlying limits apply or C. any costs or expenses related to loss as described in paragraphs A. or B. above. We have no obligation under this insurance with respect to any claim or suit settled without our consent. Other than as provided under the Investigation Defense And Settlements and Supplementary Payments sections of this contract we have no other obligation or liability to pay sums or perform acts or services under this coverage. Subject to all of the terms and conditions applicable to Umbrella Coverage B we will pay on behalf of the insured loss because of liability imposed by law or assumed in an insured contract for advertising injury or personal injury to which this coverage applies. This coverage applies only to such advertisinginjury or personal injury caused by an offense that is first committed during the policy period. This coverage does not apply to any part of A. loss to which underlying insurance would apply regardless of whether or not 1. underlying insurance is available and 2. the applicable underlying limits have been exhausted B. loss to which underlying limits apply or C. any costs or expenses related to loss as described in paragraphs A. or B. above. We have no obligation under this insurance with respect to any claim or suit settled without our consent. Other than as provided under the Investigation Defense And Settlements and Supplementary Payments sections of this contract we have no other obligation or liability to pay sums or perform acts or services under this coverage. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 4 0132 | 1 |
Chubb Commercial Excess And Umbrella Insurance Investigation Defense Subject to all of the terms and conditions of this insurance we will have the right and duty to And Settlements defend the insured under Excess Follow Form Coverage A against a suit in connection with loss to which such coverage applies if the applicable underlying limits have been exhausted by payment of judgments settlements or related costs or expenses if such costs or expenses reduce such limits or under Umbrella Coverage B against a suit to which such coverage applies even if such suit is false fraudulent or groundless. We have no duty to defend any person or organization against any claim or suit to which this insurance does not apply or if any other insurer has a duty to defend. When we have the duty to defend we may at our discretion investigate any occurrence or offense and settle any claim or suit. In all other cases we may at our discretion participate in the investigation defense and settlement of any occurrence offense claim or suit. Our duty to defend any person or organization ends when we have used up the applicable Limit Of Insurance. Supplementary Subject to all of the terms and conditions of this insurance under Excess Follow Form Coverage A Payments or Umbrella Coverage B A. we will pay with respect to a claim we investigate or settle or a suit against an insured we defend 1. the expenses we incur. 2. thecostof a. bail bonds or b. bonds requiredto 1 appeal judgments or 2 release attachments but only for bond amounts within the available Limit Of Insurance. We do not have to furnish these bonds. 3. reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of such claim or suit including actual los 1000 a day because of time off from work. 4. costs taxed against the insured in the suit except any a. attorney fees or litigation expenses or b. other loss cost or expense in connection with any injunction or other equitable relief. 5. prejudgment interest awarded against the insured on that part of a 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. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 50132 | 1 |
Supplementary 6. interest on the full amount of a judgment that accrues after entry of the judgment and Payments before we have paid offered to pay or deposited in court the part of the judgment that is continued within the applicable Limit Of Insurance. B. Supplementary Payments does not include any fine or other penalty. C. Supplementary Payments will not reduce the Limits Of Insurance. Our obligation to make these payments ends when we have used up the applicable Limit Of Insurance. Coverage Territory Excess FollowForm With respect to Excess Follow Form Coverage A this insurance applies anywhere that the Coverage A applicable underlying insurance applies. Umbrella Coverage B With respect to Umbrella Coverage B this insurance applies anywhere. S S S S S S NSNS Who Is An Insured With respect to Excess Follow Form Coverage A the following persons and organizations qualify Excess Follow Form asinsureds Coverage A the Named Insured shown in the Declarations and other persons or organizations qualifying as an insured in underlying insurance but not beyond the extent of any limitation imposed under any contract or agreement. Who Is An Insured With respect to Umbrella Coverage B the following persons and organizations qualify as insureds. Umbrella Coverage B Sole Proprietorships If you are an individual you and your spouse are insureds but you and your spouse are insureds only with respect to the conduct of a business of which you are the sole owner. If you die persons or organizations having proper temporary custody of your property are insureds but they are insureds only with respect to the maintenance or use of such property and only for acts until your legal representative has been appointed and your legal representatives are insureds but they are insureds only with respect to their duties as your legal representatives. Such legal representatives will assume your rights and duties under this insurance. Partnerships Or Joint If you are a partnership including a limited liability partnership or a joint venture you are an Ventures insured. Your members your partners and their spouses are insureds but they are insureds only with respect to the conduct of your business. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 6 0132 | 1 |
Chubb Commercial Excess And Umbrella Insurance Who Is An Insured Umbrella Coverage B continued Limited Liability Companies Other Organizations If you are a limited liability company you are an insured. Your members and their spouses are insureds but they are insureds only with respect to the conduct of your busi Your managers are insureds but they are insureds only with respect to their duties as your managers. If you are an organization including a professional corporation other than a partnership joint venture or limited liability company you are an insured. Your directors and officers are insureds but they are insureds only with respect to their duties as your directors or officers. Your stockholders and their spouses are insureds but they are insureds only with respect to their liability as your stockholders. Employees Employees Your employees are insureds but they are insureds only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. Volunteers Persons who are volunteer workers for you are insureds but they are insureds only for acts within the scope of their activities for you and at your direction. Real Estate Managers Real Estate Managers Lessors Of Equipment Lessors Of Premises Persons other than your employees or organizations while acting as your real estate managers are insureds but they are insureds only with respect to their duties as your real estate managers. ions from whom you lease equipment are insureds but they are insureds only wuh respect to the maintenance or use by you of such equipment and only if you are contractually obligated to provide them such insurance as is afforded by this contract. However no such person or organization is an insured with respect to any damages arising out of their sole negligence or occurrence that occurs or offense that is committed after the equipment lease ends. Persons or organizations from whom you lease premises are insureds but they are insureds only with respect to the ownership maintenance or use of that particular part of such premises leased to you and only if you are contractually obligated to provide them with such insurance as is afforded by this contract. However no such person or organization is an insured with respect to any damages arising out of their sole negligence occurrence that occurs or offense that is committed after you cease to be a tenant in the premises or structural alteration new construction or demolition operations performed by or on behalf of them. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 70132 | 1 |
Whols An Insured Umbrella Coverage B continued Subsidiary Or Newly Acquired Or Formed Organizations If there is no other insurance available the following organizations will qualify as named insureds a subsidiary organization of the first named insured shown in the Declarations of which at the beginning of the policy period and at the time of loss such first named insured controls T e R I Subsidiary Or Newly If there i no other insurance available the following organizations will qualify as named insureds Acquired Or Formed Organizations a subsidiary organization of the first named insured shown in the Declarations of which at the beginning of the policy period and at the time of loss such first named insured controls either directly or indirectly more than fifty 50 percent of the interests entitled to vote generally in the election of the governing body of such organization or a subsidiary organization of the first named insured shown in the Declarations that such first named insured acquires or forms during the policy period if at the time of loss such first named insured controls either directly or indirectly more than fifty 50 percent of the interests entitled to vote generally in the election of the governing body of such organization. Limitations On Who Is An With respect to Umbrella Coverage B the following limitations apply to Who Is An Insured. Insured A. Except to the extent provided under the Subsidiary Or Newly Acquired Or Formed Organizations provision no person or organization is an insured with respect to the conduct of any person or organization that is not shown as a named insured in the Declarations. B. No person or organization is an insured with respect to the 1. ownership maintenance or use of any assets or 2. conduct of any person or organization whose assets business or organization you acquire either directly or indirectly for any bodily injury or property damage that occurred or advertising injury or personal injury arising out of an offense first committed in whole or in part before you directly or indirectly acquired such assets business or organization. C. No person or organization is an insured with respect to the conduct of any partnership including any limited liability partnership joint venture or limited liability company that is not shown as a named insured in the Declarations. 505055 S 50055 Limits Of Insurance With respect to all coverages under this contract the Limits Of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of insureds claims made or suits brought persons or organizations making claims or bringing suits vehicles involved or coverages provided in this contract. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 80132 | 1 |
Limits Of Insurance continued Excess Coverage Other Aggregate Limit Umbrella Coverages Aggregate Limit Products Completed Operations Aggregate Limit Advertising Injury And Personal Injury Aggregate Limit Chubb Commercial Excess And Umbrella Insurance The aggregate limits apply separately to each consecutive annual period and to any remaining period of less than twelve 12 months starting with the beginning of the policy period shown in the Declarations. provided the applicable aggregate limits in underlying insurance apply in such manner. If the aggregate limits in underlying insurance do not so apply the applicable aggregate limits of this insurance will apply to the entire policy period and not separately to any portion whether annual or otherwise thereof. If the policy period is extended after issuance the additional period will be deemed part of the last preceding period for purposes of determining the Limits Of Insurance. Subject to the Each Occurrence Limit the Excess Coverage Other Aggregate Limit is the most we will pay for the sum of loss under Excess Follow Form Coverage A except loss included in the products completed operations hazard arising out of advertising injury or personal injury or otherwise covered by underlying insurance but to which no aggregate limit in such underlying insurance applics. The Excess Coverages Other Aggregate Limit will apply separately to loss in the same manner as each aggregate limit so applies in each coverage or policy described in the Schedule Of Underlying Insurance. Subject to the Each Occurrence Limit the Umbrella Coverages Aggregate Limit is the most we will pay for the sum of loss under Umbrella Coverages except loss included in the products completed operations hazard or rising out of advertisinginjury or personal injury. Subject to the Each Occurrence Limit the Products Completed Operations Aggregate Limit is the most we will pay for the sum of loss included in the products completed operations hazard even if such loss is or otherwise would be covered in whole or in part under more than one coverage. The Advertising Injury And Personal Injury Aggregate Limit is the most we will pay for the sum of loss for advertising injury and personal injury even if such loss is or otherwise would be covered in whole or in part under more than one coverage. Limits Of Insurance continued Excess Coverage Other Aggregate Limit Each Occurrence Limit Each Occurrence Limit The Each Occurrence Limit is the most we will pay for the sum of loss arising out of any one occurrence even if such loss is or otherwise would be covered in whole or in part under more than one coverage. Any amount paid for loss will reduce the amount of the applicable aggregate limit available for any other payment. If the applicable aggregate limit has been reduced to an amount that is less than the Each Occurrence Limit the remaining amount of such aggregate limit is the most that will be available for any other payment. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 90132 | 1 |
When Excess Follow Form lerabg e A App lies. reduced by payment of judgments settlements or related costs or expenses if such costs or Drop Down expenses reduce such limits Excess Follow Form Coverage A will drop down to apply in excess of the remaining amount of the applicable underlying limits or exhausted by payment of judgments settlements or related costs or expenses if such costs or expenses reduce such limits Excess Follow Form Coverage A will apply in the same manner as the applicable underlying insurance would have applied but for such exhaustion. Subject to all of the terms and conditions of this insurance with respect to Excess Follow Form Coverage A if the applicable underlying limits a Exclusions Excess Follow Form Coverage A Pollution With respect to Excess Follow Form Coverage A the following exclusions apply. This insurance does not apply to any liability or loss cost or expes arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants other than as described in paragraph C. below. Paragraph A. above does not apply to 1. bodily injury or property damage included in the products completedoperations hazard bodily injury or property damage a. caused by the escape of operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment o s parts b. if sustained within a building and caused by the release of gaseous irritants or contaminants from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or c. resulting from your other ongoing contracting operations bodily injury if sustained within a building and caused by the escape of gaseous irritants or contaminants from equipment used to heat that building bodily injury or property damage caused by heat smoke or fumes from a hostile fire or bodily injury or property damage resulting from the ownership maintenance or use of an auto. This insurance does not apply to any liability or loss cost or expense arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants 1. which are or were at any time transported handled stored disposed of processed or treated as waste by or for any a. insured or b. person or organization for whom any insured may be legally responsible. site or location at or from any premi a. whichis or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste or Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 10 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Exclusions Excess Follow Form Coverage A Pollution continued Pollution b. onwhich any insured or any contractor or subcontractor working directly or continued indirectly on any insured s behalf is 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. D. This insurance does not apply to any loss cost or expense arising out of any 1. request demand order or regulatory or statutory 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 proceeding by or on behalf of any governmental authority or others for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or sing the effects of pollutants. Paragraph D. above does not apply to the liability for damages for property damage that the insured would have in the absence of such request demand order or regulatory or statutory requirement or such claim or proceeding by or on behalf of a governmental authority. This exclusion applies regardless of whether or not the pollution was accidental expected gradual intended preventable or sudden. Obligations Of Underlying This insurance does not apply to any liability or loss cost or expense for which the liability or Insurance obligation under underlying insurance is by law unlimited. Underlying Insurance Notwithstanding anything to the contrary set forth in any other provision of this contract this Exclusions insurance does not apply to any liability or loss cost or expense to which the terms and conditions of underlying insurance do not apply. Exclusions With respect to Umbrella Coverage B Bodily Injury And Property Damage Liability Coverage the Umbrella Coverage B following exclusions apply. Bodily Injury Property Damage Aircraft Owned Or Rented This insurance does not apply to bodily injury or property damage arising out of the ownership Without Crew maintenance use use includes operation and loading or unloading or entrustment to others of any aircraft owned or operated by or loaned or rented to any insured. This exclusion does not apply to an aircraft that is loaned or rented to you with a paid trained crew and not owned in whole or in part by any insured. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 110132 | 1 |
Exclusions Umbrella Coverage B Bodily Injury Property Damage continued Autos U.S.A. Canada Or Puerto Rico Damage To Impaired Property Or Property Not Physically Injured Damage To Insureds Property Damage To Your Product This insurance does not apply to bodily injury or property damage arising out of the ownership maintenance use use includes operation and loading or unloading or entrustment to others of any auto owned or operated by or loaned or rented to any insured. This exclusion does not apply to bodily injury or property damage caused by an occurrence that takes place outside of the United States of America including its possessions or territories Canada and Puerto Rico. This insurance does not apply to property damage to impaired property or property that has not been physically injured arising out of any defect deficiency inadequacy or dangerous condition in your product or your work or delay or failure by you or anyone acting on your behalf to perfom a contract or agreement in accordance with its terms and conditions. This exclusion does not apply to the loss of use of other tangible property resulting from sudden and accidental physical injury to your product or your work after it has been put to its intended use. This insurance does not apply to property damage to any property owned by you or of any insured that is in the care control or custody of any other insured. This insurance does not apply to property damage to your product arising out of it or any part of it. Damage To Your Work Or This insurance does not apply to property damage to Related Property your work arising out of it or any part of it that particular part of real property on which you or any contractor or subcontractor working directly or indirectly on your behalf is performing operations if the property damage arises out of those operations or that particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 12 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Bodily Injury Property Damage continued Expected Or Intended Injury Expected Or Intended Injury Loss In Progress Watercraft Owned This insurance does not apply to bedily injury or property damage that This insurance does not apply to bodily injury or property damage arising out of an act that is intended by the insured or would be expected from the standpoint of a reasonable person in the circumstances of the insured to cause bodily injury or property damage even if the actual bodily injury or property damage is of a different degree or type than intended or expected. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or tangible property. s a change continuation or resumption of any bodily injury or property damage known by you prior to the beginning of the policy period to have occurred. Bodily injury or property damage will be deemed to be known by you A. if such injury or damage is known by or should have been known from the standpoint of a reasonable person in the circumstances of 1. you 2. any of your directors managers members officers or their designees or partners whether or not an employee and B. when any person described in paragraph A. above 1. reportsall or any part of any such injury or damage to us or any other insurer 2. receivesa claim or a demand for damages because of any such injury or damage or 3. becomesaware that any such injury or damage has occurred or has begun to occur. This insurance does not apply to bodily injury or property damage arising out of the ownership maintenance use use includes operation and loading or unloading or entrustment to others of any watercraft owned or operated by or loaned or rented to any insured. This exclusion does not apply to a watercraft while ashore on premises owned by or rented to you or that is not owned in whole or in part by any insured. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 13 of 32 | 1 |
Exclusions Umbrella Coverage B Advertising Injury Personal Injury Breach Of Contract With respect to Umbrella Coverage B Advertising Injury And Personal Injury Liability Coverage the following exclusions apply. This insurance does not apply to advertisinginjury or personal injury arising out of breach of contract. This insurance does not apply to advertisinginjury or personal injury arising out of breach of contract. Continuing Offenses Continuing Offenses Crime Or Fraud Expected Or Intended Injury Failure To Conform To Representations Or Warranties This insurance does not apply to advertising injury or personal injury that arises out of that part of an offense that continues or resumes after the later of the end of the policy period of A. this insurance or B. asubsequent continuous renewal or replacement of this insurance that 1. isissued to you by us or by an affiliate of ours 2. remains in force while the offense continues and 3. would otherwise apply to advertisinginjury and personal injury. This insurance does not apply to advertising injury or personal injury arising out of any criminal or fraudulent conduct committed by or with the consent or knowledge of the insured. This insurance does not apply to advertising injury or personal injury arising out of an offense committed by or behalf of the insured that is intended by such insured or would be expected from the standpoint of a reasonable person in the circumstances of such insured to cause injury. This insurance does not apply to advertising injury or personal injury arising out of the failure of goods products or services to conform with any electronic oral written or other representation or warranty of durability fitness performance quality or use. Internet Activities This insurance does not apply to advertising injury or personal injury arising out of controlling creating designing or developing of another s Internet site controlling creating designing developing determining or providing the content or material of another s Internet site controlling facilitating or providing or failing to control facilitate or provide access to the Internet or another s Internet site or publication of content or material on or from the Internet other than material developed by you or at your direction. Prior Offenses This insurance does not apply to advertising injury or personal injury arising out of any offense first committed before the beginning of the policy period. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 14 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Advertising Injury Personal Injury continued Publications With Knowledge Of Falsity insurance does not apply to advertisinginjury or personal injury arising out of any electronic oral written or other publication of material by or with the consent of the insured with knowledge of its falsity or if a reasonable person in the circumstances of such insured would have known such material to be false. Wrong Description Of Prices This insurance does not apply to advertisinginjury or personal injury arising out of the wrong description of the price of goods products or services. Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Employee Or Worker Injury Enhancement Maintenance Or Prevention Expenses With respect to Umbrella Coverage B Bodily Injury And Property Damage Liability Coverage and Advertising Injury And Personal Injury Liability Coverage the following exclusions apply. This insurance does not apply to bodily injury property damage advertisinginjury or personal injury sustained by an employee or temporary worker of the insured arising out of and in the course of 1. employment by the insured or 2. performing duties related to the conduct of the insured s business. This insurance does not apply to bodily injury property damage personal injury or advertising injury sustained by the brother child parent sister or spouse of such injured person as a consequence of any injury or damage described in paragraph A. 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 any injury or damage described in paragraphs A. or B. above. This insurance does not apply to any loss cost or expense incurred by you or others for any enhancement or maintenance of any property or prevention of any injury or damage to any 1. person or organization or 2. property you own rent or occupy. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 150132 | 1 |
Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury continued Intellectual Property Laws Or Rights Pollution Recall Of Products Work Or Impaired Property This insurance does not apply to any actual or alleged bodily injury property damage advertising injury or personal injury arising out of giving rise to or in any way related to any actual or alleged assertion or infringement or violation by any person or organization including any insured of any intellectual property law or right regardless of whether this insurance would otherwise apply to all or part of any such actual or alleged injury or damage in the absence of any such actual or alleged assertion infringement or violation. This exclusion applies unless such injury is caused by an offense described in the definition of advertisinginjury and does not arise out of give rise to or in any way relate to any actual or alleged assertion infringement or violation of any intellectual property law or right other than one described in the definition of advertising injury. A This insurance does not apply to bodily injury property damage advertisinginjury or personal injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants. B. This insurance does not apply to any loss cost or expense arising out of any 1. request demand order or regulatory or statutory 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 proceeding by or on behalf of a governmental authority or others for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way respondingto or assessing the effects of pollutants. This exclusion applies regardless of whether or not the pollution was accidental expected gradual intended preventable or sudden. This insurance does not apply to 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 your product your work or impaired property Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 16 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Recall Of Products Work Or Impaired Property continued 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. Policy Exclusions Asbestos Policy Exclusions With respect to all coverages under this contract the following exclusions apply. Asbestos A. This insurance does not apply to any liability or loss cost or expense arising out of the actual alleged or threatened contaminative pathogenic toxic or other hazardous properties of asbestos. B. This insurance does not apply to any loss cost or expense arising out of any 1. request demand order or regulatory or statutory 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 ashestos or 2. claim or proceeding by or on behalf of a governmental authority or others for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way respondingto or assessing the effects of asbestos. Coverages Laws Various This insurance does not apply to any liability or loss cost or expense or obligation of any insured under any medical expenses or payments coverage no fault law personal injury protection coverage underinsured or uninsured financial responsibility law workers compensation disability benefits or unemployment compensation law or similar coverage or law. Employee Retirement This insurance does not apply to any liability or loss cost or expense or obligation of any insured Income Security Laws under the United States of America Employees Retirement Income Security Act ER.LS.A. of 1974 or any similar law as now constituted or hereafter amended. Employment Related Practices Employment Related A. This insurance does not apply to any liability or loss cost or expense in connection with any Practices damag stained at any time by any person whether or not sustained in the course of employment by any insured arising out of any employment relatedact o1 ion policy practice or representation directed at such person occurring in whole or in part at any time including any 1. arrest detention or imprisonment Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 170132 | 1 |
Policy Exclusions Employment Related 2. breach of any express or implied covenant Practices 3. coercion criticism humiliation prosecution o retaliation continued defamation or disparagement Employment Related Practices continued Nuclear Energy This exclusion applies breach of any express or implied covenant coercion criticism humiliation prosecution or retaliation defamation or disparagement demotion discipline evaluation or reassignment discrimination harassment or segregation N s W a. eviction or b. invasion or other violation of any right of occupancy 8. failure or refusal to advance compensate employ or promote 9. invasion or other violation of any right of privacy or publicity 10. termination of employment or 11. other employment relatedact omission policy practice representation or relationship in connection with any insured at any time. This insurance does not apply to any liability or loss cost or expense in connection with any damages sustained at any time by the brother child parent sister or spouse of such person at whom any employment relatedact omission policy practice or representation s directed as described in paragraph A. above as a consequence thereof. 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 any of the foregoing. This insurance does not apply to any liability or loss cost or expense 1. with respect to which any insured under this policy also has status as an insured under anuclear energy liability policy issued by Nuclear Energy Liability Insurance Association Mutual Atomic Energy Liability Underwriters Nuclear Insurance Association of Canada or any of their successors or would have had status as insured under any such policy but for its termination upon exhaustion of i insurance or 2. arising out of the nuclear hazardous properties of nuclear material and with respect to which any person or organization is required to maintain financial protection pursuant to the United States of America Atomic Energy Act of 1954 or any law amendatory thereof or b. the insured s or had this policy not been issued would be entitled to indemnity from the United States of America or any agency thereof under any agreement entered into by the United States of America or any agency thereof with any person or organization. s COst or expense arising out of the nuclear hazardous properties of nuclear material 1. if the nuclear materiak is at any nuclear facility owned by or operated by or on behalf of any insured Reference Copy Chubb Commercial Excess And Umbrella Insurance Form 07 02 0815 Rev. 7 01 Contract Page 18 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Policy Exclusions Nuclear Energy continued b. has been discharged or dispersed therefrom or is contained in nuclear spent fuel or nuclear waste at any time transported handled stored disposed of processed treated possessed or used by or on behalf of any insured or in any way related to the furnishing by any insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nuclear facility. But if such facility is located within the United States of America including its possessions or territories or Canada this subparagraph 2. applies only to nuclear property damage to such nuclear faci and any property thereat. Conditions Appeals Conditions Appeals Audit Of Books And Records Bankruptcy Cancellation Changes Compliance By Insureds With respect to all coverages under this contract the following conditions apply. We may at our discretion initiate or participate in an appeal of a judgment if such judgment may result in a payment under this insurance. If we initiate or participate in an appeal we will pay our costs of the appeal. But in no case will the amount we pay for loss exceed the Limits Of Insurance. We may audit your books and records as they relate to this insurance at any time during the term of this policy and up to three years afterwards. Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this insurance. The first named insured may cancel this policy or any of its individual coverages at any time by sending us a written request or by returning the policy and stating when thereafter cancellation is to take effect. We may cancel this policy or any of its individual coverages at any time by sending to the first named insured a notice sixty 60 days twenty 20 days in the event of non payment of premium in advance of the cancellation date. Our notice of cancellation will be mailed to the first named insured s last known address and will indicate the date on which coverage is terminated. If notice of cancellation is mailed proof of mailing will be sufficient proof of notice. The earned premium will be computed on a pro rata ba as soon as practicable. Any unearned premium will be returned This policy can only be changed by a written endorsement that becomes part of this policy. The endorsement must be signed by one of our authorized representatives. We have no duty to provide coverage under this policy unless you and any other involved insured have fully complied with all of the terms and conditions of the policy. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 19 of 32 | 1 |
Conditions continued Conformance Any terms of this insurance which are in conflict with the applicable statutes of the State in which this policy i ied are amended to conform to such statutes. Conformance Disclosures And Representations Duties In The Event Of Occurrence Offense Claim Or Suit insurance which are in conflict with the applicable statutes of the State in which ied are amended to conform to such statutes. Any terms of thi this policy is We have issued this insurance Based upon representations you made to us and in reliance upon your representatives. Unintentional failure of an employee of the insured to disclose a hazard or other material information will not violate this condition unless an officer whether or not an employee of any insured or an officer s designee knows about such hazard or other material information. A. Youmust see to it that we and any insurers of underlying insurance are notified as practicable of any occurrence or offense that may result in a claim if the claim may involve us or other insurers. To the extent possible notice should include 1. how when and where the occurrence or offense happened 2. the names and addresses of any injured persons and witnesses and 3. the nature and location of any injury or damage arising out of the occurrence or offense. Notice of an occurrence or offense is not notice of a claim. B. Ifaclaimis made or suit is brought against any insured you must 1. immediately record the specifics of the claim or suit and the date received 2. notify us and any other insurers as soon as practicable and 3. see to it that we receive written notice of the claim or suit as soon as practicable. C. Youand 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 and any other insurers in the investigation or settlement of the claim or b defense against the suit and st us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of loss to which this insurance may also apply. D. No insureds will except at that insured s own cost make any payment assume any obligation or incur any expense without our consent. E. Notice given by or on behalf of 1. the insured Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 20 01 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Conditions Duties In The Event Of Occurrence Offense Claim Or Suit continued Duties In The Event Of Occurrence Offense Claim Or Suit continued First Named Insured Inspections And Surveys Joint Duties In Non Admitted Jurisdictions 2. the injured person or 3. any other claimant to a licensed agent of ours with particulars sufficient to identify the insured shall be deemed notice to us. F. Knowledge of an occurrence or offense by an agent or employee of the insured will not constitute knowledge by the insured unless an officer whether or not an employee of any insured or an officer s designee knows about such occurrence or offense. G. Failure of an agent or employee of the insured other than an officer whether or not an employee of any insured or an officer s designee to notify us of an occurrence or offense which such person knows about will not affect the insurance afforded to you. H. Ifaclaim or loss does not reasonably appear to involve either this insurance or any underlying insurance but it later develops into a claim or loss to which this insurance applies the failure to report it to us will not violate this condition provided the insured gives us immediate notice as soon as the insured is aware that this insurance may apply to such claim or loss. The person or organization first named in the Declarations is primarily responsible for payment of all premiums. The first named insured will act on behalf of all other named insureds for the giving and receiving of notice of cancellation or nonrenewal and the receiving of any return premiums that become payable under this policy. make inspections and surveys at any time give you reports on the conditions we find and recommend changes. Any inspections surveys reports or recommendationsrelate 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 are safe or healthful or comply with laws regulations codes or standards. This condition applies not only to us but also to any rating advisory rate service or similar organization which makes insurance inspections surveys reports or recommendations for us. With respect to an occurrence offense claim or suit to which this insurance applies that arises in a non admitted jurisdiction A. we have no duty to defend any person or organization against any claim or suit but we may at our discretion assume control of or participate in any investigation defense settlement or recovery proceedings. B. you and any other insured must Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 21 01 32 | 1 |
Conditions Joint Duties In Non 1. make such investigation defense or settlement as we deem reasonable Admitted Jurisdictions i f 2. obtain our approval for any payment and continued PP Y pay effect approved payments to others in accordance with the terms and conditions of 1. make such investigation defense or settlement as we deem reasonable 2. obtain our approval for any payment and 3. effect approved payments to others in accordance with the terms and conditions of this insurance. we will reimburse funds to the insured for payments approved by us for 1. loss and 2. expenses and other payments to which this insurance applies. we will make those reimbursements 1. in a jurisdiction that is mutually acceptable and 2. until we have used up the applicable Limits Of Insurance. Legal Action Against Us Legal Action Against Us Maintenance Of Underlying Insurance And Underlying Limits No person or organization has a right under this insurance to join us as a party or otherwise bring us into a suit seeking damages from an insured or sue us on this insurance unless all of the terms and conditions of this insurance have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial in a civil proceeding or arbitration or other alternative dispute resolution proceeding but we will not be liable for damages that are not payable under the terms and conditions of this insurance or that are in excess of the applicable Limits Of Insurance. We have issued this insurance in reliance upon representations made by you about underlying insurance and underlying limits. You must see to it that underlying insurance is and remains valid and in full force and effect. underlying insurance will not be cancelled non renewed or rescinded without replacement by coverage to which we agree. the terms and conditions of underlying insurance will not materially change unless we agree otherwise. the terms and conditions of renewals or replacements of underlying insurance shown in the Schedule Of Underlying Insurance will be materially the same as the prior coverage unless we agree otherwise. the underlying limits are and remain available regardless of any bankruptcy insolvency or other financial impairment of any insurer or any other person or organization. the underlying limits shown in the Schedule Of Underlying Insurance will not be reduced or exhausted except for the reduction or exhaustion by payment of judgments settlements or related costs or expenses if such costs or expenses reduce such limits. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 22 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Conditions Maintenance Of Underlying Insurance And Underlying Limits continued Other Insurance Separation Of Insureds Titles Of Paragraphs Transfer Of Rights And Duties Rights Of Recovery Against Others Failure to comply with this condition will not invalidate this insurance. But in the case of any such failure our obligation or liability will not exceed that which would have applied absent any failure to comply with this condition. You must notify us as soon as practicable if any underlying insurance is no longer valid or in full force or effect. If other valid and collectable insurance is available to the insured for loss we would otherwise cover under this insurance our obligations are limited as follows. This insurance is excess over any other insurance whether primary excess contingent or on any other basis. We will have no duty to defend the insured against any suit if any provider of any other insurance has a duty to defend such insured against such suit. We will pay only our share of the amount of loss if any that exceeds the sum of the total amount that all other insurance would pay for loss in the absence of this insurance and of all deductible and self insured amounts under all other insurance. This insurance is not subject to the terms or conditions of any other insurance. Except with respect to the Limits Of Insurance and any rights or duties specifically assigned in this insurance to the first named insured this insurance applies as if each named insured were the only named insured and separately to cach insured against whom claim is made or suit is brought. The titles of the various paragraphs of this policy and endorsements if any attached to this policy are inserted solely for convenience or reference and are not to be deemed in any way to limit or affect the provisions to which they relate. Your rights and duties under this insurance may not be transferred without our written consent. However if you die then your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative or to anyone having temporary custody of your property until your legal representative has been appointed. We will waive the right of recovery we would otherwise have had against another person or organization for loss to which this insurance applies provided the insured has waived their rights of recovery against such person or organization in a contract or agreement that is executed before loss. To the extent that the insured s rights to recover all or part of any payment made under this insurance have not been waived 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. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 23 of 32 | 1 |
Conditions Transfer Or Waiver Of Any amount recovered will be apportioned as follows ARQ. S.Zecover Y first we shall receive all amounts recovered until we have been fully reimbursed for all gainst Others amounts we have incurred including costs or expenses of such recovery proceedings. continued. Then you are entitled to claim for any further amount recovered. Transfer Or Waiver Of Any amount recovered will be apportioned as follows ARQ. S Zece Y. first we shall receive all amounts recovered until we have been fully reimbursed for all gainst Oihers amounts we have incurred including costs or expenses of such recovery proceedings. continued Then you are entitled to claim for any further amount recovered. When We Do Not Renew If we decide not to renew this policy we will mail or deliver to the first named insured stated in the Declarations written notice of the nonrenewal not less than sixty 60 days before the expiration date. If notice of nonrenewal is mailed proof of mailing will be sufficient proof of notice. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 24 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Definitions WITH RESPECT TO UMBRELLA COVERAGE B WHEN USED WITH RESPECT TO Umbrella Coverage B INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Advertisement Advertisement means an electronic oral written or other notice about goods products or services designed for the specific purpose of attracting the general public or a specific market segment to use such goods products or services. Advertisement does not include any e mail address Internet domain name or other electronic address or metalanguage. Aavertising Injury Advertising injury means injury other than bodily injury property damage or personal injury sustained by a person or organization and caused by an offense of infringing in that particular part of your advertisement about your goods products or services upon their copyrighted advertisement or registered collective mark registered service mark or other registered trademarked name slogan symbol or title. Auto Auto Bodily Injury Employee Auto means a land motor vehicle trailer or semi trailer designed for travel on public roads including any attached machinery or equipment. But auto does not include mobile equipment. Bodily injury means physical disease sustained by a person including resulting death humiliation mental anguish mental injury or shock at any time. All such loss shall be deemed to occur at the time of the physical injury sickness or disease that caused it. Employee includes a leased worker. Employee does not include a temporary worker. Impaired Property Impaired property means tangible property other than your product or your work that can not be used or is less useful because it incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or you have failed to fulfill the terms or conditions of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms or conditions of the contract or agreement. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 25 01 32 | 1 |
Definitions Umbrella Coverage B continued Insured Contract Intellectual Property Law Or Right Leased Worker Loading Or Unloading WITH RESPECT TO UMBRELLA COVERAGE B WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Insured contract means an oral or written contract or agreement pertaining to your business in which you assume the tort liability of another person or organization to pay damages to which this insurance applies sustained by a third person or organization provided the injury or damage oceurs or is caused by an offense that is first committed after the execution of such contract or agreement. Intellectual property law or right means any certification mark copyright patent or trademark including collective or service marks right to or judicial or statutory law recognizing an interest in any trade secret or confidential or proprietary non personal information other right to or judicial or statutory law recognizing an interest in any expression idea likeness name slogan style of doing business symbol title trade dress or other intellectual property or other judicial or statutory law concerning piracy unfair competition or other similar practices. Leased worker means a person leased to a party by a labor leasing firm in a contract or agreement between such party and the labor leasing firm to perform duties related to the conduct of the party s business. Leased worker does not include a temporary worker. Loading or unloading A. means the handling of property 1. after it is moved from the place where it is accepted for movement into or onto an aircraft auto or watercraft 2. while it is in or on an aircraft auto or watercraft or 3. while it is being moved from an aircraft auto or watercraft to the place where it is finally delivered. B. 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 auto or watercraft. Occurrence Occurrence Occurrence means an accident including continuous or repeated exposure to sul same general harmful conditions. Officer Officer means a person holding any of the officer positions created by an organization s charter constitution by laws or any other similar governing document. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 26 01 32 | 1 |
Definitions Umbrella Coverage B continued Personal Injury Products Completed Operations Hazard Chubb Commercial Excess And Umbrella Insurance WITH RESPECT TO UMBRELLA COVERAGE B WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Personal injury means injury other than bodily injury property damage or advertising injury caused by an offense of A B. C. false arrest false detention or other false imprisonment malicious prosecution wrongful entry into wrongful eviction of a person from or other violation of a person s right of private occupancy of a dwelling premises or room that such person occupies if commited by or on behalf of its landlord lessor or owner electronic oral written or other publication of material that 1. libels or slanders a person or organization which does not include disparagement of goods products property or services or 2. violatesa person s right of privacy discrimination harrassment or segregation based on a person s protected human characteristics as established by law. Products completed operations hazard A includes all bodily injury and property damage taking place away from premises owned or accupied by or loaned or rented to you 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. Your work will be deemed completed when all of the work called for in your contract or agreement has been completed. all of the work to be performed at the site has been completed if your contract or agreement calls for work at more than one site. that part of the work completed at a site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. does not include bodily injury or property damage arising out of 1. the transportation of property unless the injury or damage results from a condition in or on a vehicle not owned or operated by or loaned or rented to 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 Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 270132 | 1 |
Definitions Umbrella Coverage B Products Completed Operations Hazard continued Property Damage Temporary Worker Your Product Your Work WITH RESPECT TO UMBRELLA COVERAGE B WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. 3. products or operations for which the classification in our rules indicates that such products or operations are not subject to the Products Completed Operations Aggregate Limits Of Insurance. Property damage means physical injury to tangible property including 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. Tangible property does not include any software data or other information that is in electronic form. Temporary worker means a person who is furnished to a party to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. Your product A means any 1. 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. aperson or organization whose or business you have acquired and 2. containers other than vehicles materials parts or equipment furnished in connection with such goods or products. B. includes 1. representations or warranties made at any time with respect to the durability fitness performance quality or use of your product and 2. the providing of or failure to provide instructions or warnings. C. does not include vending machines or other property loaned or rented to or located for the use of others but not sold. Your work A means any 1. work or operations performed by a. you oron your behalf or b aperson or organization whose assets or business you have acquired and mpleted lazard Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 28 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Definitions WITH RESPECT TO UMBRELLA COVERAGE B WHEN USED WITH RESPECT TO Umbrella Coverage B INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Your Work 2. materials parts or equipment furnished in connection with such work or operations. continued B. includes 1. representations or warranties made at any time with respect to the durability fitness performance quality or use of your work and 2. the providing of or failure to provide instructions or warnings. Policy Definitions Policy Definitions Agreed Settlement Asbestos Hostile Fire Insured Non Admitted Jurisdiction WITH RESPECT TO ALL COVERAGES UNDER THIS CONTRACT WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. Asbestos means asbestos in any form including its presence or use in any alloy by product or other material or waste. Waste includes material to be recycled reconditioned or reclaimed. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be. Insured means a person or an organization qualifying as an insured in the Who Is An Insured sections of this contract. means damages that the insured becomes legally obligated to pay because of injury or damage. does not include sums properly deducted for recoveries or salvage. Non admitted jurisdiction means any jurisdiction where we are not licensed or permitted by law to issue insurance or prevented by law or otherwise from investigating defending or settling an occurrence offense claim or suit. Agreed Settlement Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 290132 | 1 |
Policy Definitions continued Nuclear Facility WITH RESPECT TO ALL COVERAGES UNDER THIS CONTRACT WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Nuclear facility means any A B. D. nuclear reactor equipment or device designed or used for 1. separating the isotopes of plutonium or uranium 2. processingor utilizing nuclear spent fuel or 3. handling processing or packaging nuclear waste equipment or device used for the processing fabricating or alloying of nuclear material if at any time the total amount of such mat in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 1. twenty five 25 grams of plutonium or uranium 233 or any combination thereof or 2. two hundred fifty 250 grams of uranium 235 or structure basin excavation premises or place prepared or used for the storage or disposal of nuclear 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 Facility Nuclear Hazardous Properties Nuclear Material Nuclear Property Damage Nuclear hazardous properties include radioactive toxic or explosive properties. Nuclear material means by product material source material or special nuclear material. By product material source material and special nuclear material have the meanings given them in the United States of America Atomic Energy Act of 1954 or in any law amendatory thereof. Nuclear property damage includes all forms of radioactive contamination of property. Nuclear hazardous properties include radioactive toxic or explosive properties. Nuclear Reactor 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 onable material. Nuclear Spent Fuel Nuclear Spent Fuel Nuclear spent fuel means any fuel element or fuel component solid or liquid which has been used or exposed to radiation in a nuclear reactor. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 30 of 32 | 1 |
Policy Definitions continued Nuclear Waste Other Insurance Pollutants Underlying Insurance Chubb Commercial Excess And Umbrella Insurance WITH RESPECT TO ALL COVERAGES UNDER THIS CONTRACT WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Nuclear waste means any waste material containing nuclear material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content and resulting from the operation by any person or organization of any nuclear facility described in subparagraphs A. or B. of the definition of nuclear facility. ding coverage that this insurance would also afford. surance or other mechanism arranged for funding of Other insurance means any insurance a Other insurance includes any type of self. loss. Other insurance does not include underlying insurance or insurance negotiated specifically to apply in excess of this insurance. Pollutants means 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. Suit means a civil proceeding in which damages to which t urance applies are sought. Suit includes an arbitration or other dispute resolution proceeding in which such damages are sought and to which the insured must submit or does submit with our consent. Underlying insurance means the coverages for the hazards described in the Schedule Of Underlying Insurance and the next renewal or replacement insurance thereof. Policy Definitions continued Nuclear Waste Underlying Limits Underlying limits means the sum of amounts A shown for the hazards described in the Schedule Of Underlying Insurance consisting of amounts 1. available under applicable underlying insurance and 2. any insured must pay because underlying insurance as represented by you is not available regardless of the reason available under any applicable antecedent renewal or replacement of underlying insurance of any allocation deductible participation retention or other self insurance applicable to the insurance described in paragraphs A. and B. above and any reinstatement of limits or supplemental or other limits available under the insurance described in paragraphs A. and B. above. Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 31 0132 | 1 |
Policy Definitions WITH RESPECT TO ALL COVERAGES UNDER THIS CONTRACT WHEN USED WITH RESPECT TO INSURANCE UNDER THIS CONTRACT WORDS AND PHRASES THAT APPEAR IN BOLD PRINT HAVE THE SPECIAL MEANINGS DESCRIBED BELOW. Underlying Limits If amounts available under the applicable underlying insurance described in the Schedule Of continued Underlying Insurance are greater or less than the amount shown in such Schedule then the greater of such amounts shall apply in the computation of underlying limits. Underlying Limits continued Reference Copy Chubb Commercial Excess And Umbrella Insurance Contract Page 32 of 32 | 1 |
Chubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured To APRIL 302015 APRIL 302014 To April 302014 7981 35 02 GLENWOOD CAPITAL LLC Name of Company FEDERAL INSURANCE COMPANY Date Issued January 312014 0 Under Conditions the condition titled Cancellation And When We Do Not Renew are deleted and replaced by the following Conditions Kansas Mandatory Cancellation Cancellation We may cancel this policy by mailing or delivering to the first named insured written notice of cancellation stating the reasons for cancellation at least 10 days before the effective date of cancellation if we cancel for nonpayment of premium or 30 days before the effective date of cancellation if we cancel for any other reason. If this policy has been in effect for 90 days or more or if it is a renewal of a policy we issued we may cancel this policy only for one or more of the following reasons nonpayment of premium this policy was issued because of material misrepresentation you or any other insured violated any of the material terms and conditions of this policy unfavorable underwriting factors specific to you exist that were not present at the inception of this policy a determination by the insurance commissioner that continuation of coverage could place us in a hazardous financial condition or in violation of the laws of Kansas or a determination by the insurance commissioner that we no longer have adequate reinsurance to meet our needs. Reference Copy Chubb Commercial Excess And Umbrella Insurance Conditions Kansas Cancellation And When We Do Not Renew continued 02 Endorsement Page 1 | 2 |
Conditions Kansas Mandatory continued When We Do Not Renew If we decide not to renew this policy we will mail or deliver written notice of nonrenewal stating the reasons for nonrenewal to the first named insured at least 60 days prior to the expiration of the policy. If we decide not to renew this policy we will mail or deliver written notice of nonrenewal stating the reasons for nonrenewal to the first named insured at least 60 days prior to the expiration of the policy. Any notice of nonrenewal will be mailed or delivered to the first named insured s last mailing address known to us. If notice is mailed proof of mailing will be sufficient proof of notice. All other terms and conditions remain unchanged. Authorized Representative Q S 7 January 312014 Reference Copy Chubb Commercial Excess And Umbrella Insurance Conditions Kansas Cancellation And When We Do Not Renew last page 02 Endorsement Page 2 | 2 |
Chubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured To APRIL 302015 APRIL 302014 To April 302014 7981 35 02 GLENWOOD CAPITAL LLC Name of Company FEDERAL INSURANCE COMPANY Date Issued January 312014 Conditions Compliance With Applicable Trade Sanctions Under Conditions the following condition is added to the policy This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance. This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance. All other terms and conditions remain unchanged. Authorized Representative LD1 January 31 2014 Reference Copy Chubb Commercial Excess And Umbrella Insurance Compliance With Applicable Trade Sanctions last page Form 07 02 1988 Rev. 2 04 Endorsement Page T | 2 |
Chubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured To APRIL 302015 APRIL 30 2014 To April 302014 7981 35 02 GLENWOOD CAPITAL LLC Name of Company FEDERAL INSURANCE COMPANY Date Issued January 312014 SCHEDULE A Limits Of Insurance Crisis As tance For Excess And Umbrella Aggregate Limit The lesser of 3 of the Each Occurrence Limit shown in the Declarations as of the inception date of this policy or 300000. e S A section titled Coverage Crisis Assistance For Excess And Umbrella is added to this contract. Coverage Crisis Subject to all of the terms and conditions of this insurance we will pay on behalf of the insured Assistance For crisis assistance expenses up to the amount of the Crisis Assistance For Excess And Umbrella Excess And Umbrella Aggregate Limit shown in Schedule A arising out of a crisis event that first commences during the policy period of this insurance. A crisis event will be deemed to first commence at the time during the policy period of this insurance when you notify us in accordance with the Special Duties In The Event Of A Ci provision of this Endorsement. Event event will be deemed to end one hundred and elghly 180 days after the date of notice of the crisis event was given to us by you or when the Crisis As Aggregate Limit shown in this Endorsement is exhausted whchever occurs first. Any payment of crisis assistance expenses that we make under the coverage provided by this Endorsement will not be an acknowledgementof coverage under this insurance. Reference Copy Chubb Commercial Excess And Umbrella Insurance Coverage Crisis Assistance For Excess And Umbrella continued Form 07 02 2440 Ed. 12 10 Endorsement Page 1 | 2 |
Under Limits Of Insurance the following provision is added. Limits Of Insurance Crisis Assistance For The Crisis Assistance For Excess And Umbrella Aggregate Limit shown in Schedule A is the most Excess And Umbrella we will pay for crisis assistance expenses. Aggregate Limit The Crisis Assistance For Excess And Umbrella Aggregate Limit Crisis Assistance For ssistance For Excess And Umbrella Aggregate Limit shown in Schedule A is the most Excess And Umbrella we will pay for crisis assistance expenses. Aggregate Limit ssistance For Excess And Umbrella Aggregate Limit applies to the entire policy period shown in the Declarations and not separately to any portion whether annual or otherwise thereof will not be reinstated or increased and will not reduce any other limits under this policy. B 5 200 Under Conditions the following conditions are added. Conditions Special Duties In The You must see to it that within twenty four 24 hours of a crisis event Event Of A Crisis Event A one of the crisis assistance service providersis notified by telephone and You must see to it that within twenty four 24 hours of a crisis event A B. one of the crisis assistance service providersis notified by telephone and we are notified To the extent possible notice should include 1. Eal how when and where the crisis event took place s of any injured persons and witnesses the names and addre the nature and location of any injury or damage arising out of the crisis event and the reason why the eventis likely to involve injury or damage covered by this policy and involve significantadverse regional or national media coverage. Other Crisis Assistance Insurance Other Crisis Assistance If you have other insurance that provides coverage for cri Insurance insurance then this insurance will be considered excess i payable by such other insurance. tancealso covered by this surance over and above the amount e e Under Policy Definitions the following definitions are added. Policy Definitions Crisis Assistance Crisis assistance expenses means the following expenses incurred by the insured during a crisis Expenses event to which this insurance applies which are reasonable necessary and directly attributable to that crisis event Crisis assistance expenses means the following expenses incurred by the insured during a crisis event to which this insurance applies which are reasonable necessary and directly attributable to that crisis event expenses to secure the scene of a l fees charged by a crisis as service or advice event stance service provider shown in Schedule B for professi funeral or related service expens psychological or grief couns ling expenses temporary living expenses Reference Copy Chubb Commercial Excess And Umbrella Insurance Coverage Crisis Assistance For Excess And Umbrella continued Form 07 02 2440 Ed. 12 10 Endorsement Page 2 | 2 |
Chubb Commercial Excess And Umbrella Insurance Endorsement Effective Date April 302014 Policy Number 7981 35 02 S Policy Definitions Crisis Assistance Expenses continued travel expenses and any other expenses approved by us. S travel expenses and any other expenses approved by us. Crisis Assistance Service Provider Crisis assistance service provider means any firm A. shown in Schedule B or B. for which we at our sole discretion have provided written approval prior to the crisis event as evidenced in an endorsementto this policy and which is hired by you. We reserve the right to modify the list of firms shown in Schedule B without notice. Crisis Event Crisis Event Crisis event means an event that you reasonably believe has resulted or may result in A damages covered by this policy that are in excess of any applicable 1. 3. other insurance and B. significantadverse regional or national media coverage. S e e e e e e e e Schedule B ance Service Providers on www.chubb.com. We do not provide or make any representations or warranties in connection with the services provided by the firms listed above. All other terms and conditions remain unchanged. Authorized Representative o January 31 2014 Reference Copy Chubb Commercial Excess And Umbrella Insurance Coverage Crisis Assistance For Excess And Umbrella last page Form 07 02 2440 Ed. 12 10 Endorsement Page 3 | 2 |
Chubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured APRIL 30 2014 To April 302014 7981 35 02 GLENWOOD CAPITAL LLC To APRIL 302015 Name of Company FEDERAL INSURANCE COMPANY Date Issued January 312014 s 0 Under Conditions the following condition s added. Conditions Civil Unions Or Domestic All references in the policy to spouse include a party to a civil union or domestic partnership Partnerships recognized under the applicable law of the jurisdiction having authority. All other terms and conditions remain unchanged. Q. Authorized Representative 491 Reference Copy Chubb Commercial Excess And Umbrella Insurance Conditions Civil Unions Or Domestic Partnerships last page Form 07 02 2483 Ed. 3 12 Endorsement Page 1 | 2 |
Chubb Commercial Excess And Umbrella Insurance Endorsement To APRIL 302015 APRIL 30 2014 To April 302014 7981 35 02 GLENWOOD CAPITAL LLC Policy Period Effective Date Policy Number Insured Name of Company FEDERAL INSURANCE COMPANY Date Issued January 312014 T e Under Exclusions Umbrella Coverage B Bodily Injury Property Damage the following exclusion is added Exclusions Umbrella Coverage B Bodily Injury Property Damage Alcoholic Beverages insurance does not apply to bodily injury or property damage A. arising out of any causing or contributing to the intoxication of any person including causing or contributing to the intoxication of any person because alcoholic beverages were brought on your premises B. arising out of any furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol C. for which any person or organizationmay be held liable by reason of any ordinance regulation or statute relating to the distribution gift sale or use of alcoholic beverages D. arising out of any providing or failing to provide transportationwith respect to any person that may be under the influence of alcohol or E.for whichany person or organizationmay be held liable as an owner or lessor of premises i connection with any circumstances described in subparagraphs A. B. C. or D. above. This exclusion applies whether or not any charge is made for furnishing or serving alcoholic beverages the purpose of furnishing or serving alcoholic beverages is for financial gain or livelihood or Reference Copy Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Alcoholic Beverages continued Form 07 02 0871 Rev. 1 14 Endorsement Page 1 | 2 |
Exclusions Umbrella Coverage B Bodily Injury Property Damage Alcoholic Beverages continued any license is required for furnishing or serving alcoholic beverages. any license is required for furnishing or serving alcoholic beverages. All other terms and conditions remain unchanged. Authorized Representative QL January 31 2014 Reference Copy Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Alcoholic Beverages last page Form 07 02 0871 Rev. 1 14 Endorsement Page 2 | 2 |
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