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CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Exclusions Umbrella Coverage B Bodily Injury Property Damage Aircraft Owned Or Rented Without Crew Under Exclusions Umbrella Coverage B Bodily Injury Property Damage the following exclusion titled Aircraft Owned Or Rented Without Crew is deleted. Under Definitions Umbrella Coverage B the definitions titled Auto and Loading Or Unloading are deleted. Definitions Umbrella Coverage B Auto Loading or Unloading Under Policy Exclusions the following exclusion is added Policy Exclusions Aircraft This insurance does not apply to any liability or loss cost or expense arising out of the ownership maintenance use use includes operation and loading or unloading or entrustment to others of any aircraft owned or operated by or loaned o rented to any insured. Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Aircraft Form 07 02 0826 Rev. 7 01 Endorsement Page 107 2 | 2 |
Under Policy Definitions the following definitions are added Policy Definitions Auto 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 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. Loading or Unloading 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. All other terms and conditions remain unchanged. Q Authorized Representative LHO February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Aircraft Form 07 02 0826 Rev. 7 01 Endorsement Page 201 2 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Aircraft Products This insurance does not apply to any liability or loss cost or expense arising out of any aircraft product or any missile or spacecraft including any article equipment material part or spare part installed or otherwise incorporated in on or under any aircraft missile or spacecraft or furnished or used in connection therewith air or space communication guidance or navigation system ground control handling or support equipment or tools furnished or used in connection therewith blueprints designs drawings information instructions manuals maps opinions reports representations software specifications surveys training aids warnings or warranties or engineering or other data furnished or used in connection with any of the foregoing or engincering or other advice instruction labor or service relating to any of the foregoing. All other terms and conditions remain unchanged. Q B Authorized Representative g Date February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Aircraft Products Form 07 02 0827 Rev. 3 17 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Care Control Or Custody This insurance does not apply to property damage to property described below if the property i in the care control or custody of the insured. Description of Property Real and personal property All other terms and conditions remain unchanged. Q Authorized Representative LHO February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Care Control Or Custody Form 07 02 0837 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury the exclusion titled Employee Or Worker Injury is delcted. Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Employee Or Worker Injury Under Policy Exclusions the following exclusion is added Policy Exclusions Employee Or Worker Injury A This insurance does not apply to 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 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. This exclusion applies whether the insured may be liable as an employer or in any other capacity and toany obligation to share damages with or repay someone clse who must pay damages because of any injury or damage described in paragraphs A. or B. above. Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Employee Or Worker Injury. Form 07 02 0852 Rev. 7 01 Endorsement Page 107 2 | 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 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. Temporary Worker 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. All other terms and conditions remain unchanged. Q Authorized Representative LHO February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Employee Or Worker Injury. Form 07 02 0852 Rev. 7 01 Endorsement Page 20f 2 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Umbrella Retroactive Date 09202004 Underlying Insurance Description Employee Benefits Liability Company FEDERAL INSURANCE COMPANY Policy No. 3584 11 12 Under Coverage Excess Follow Form Coverage A the following provisions are added Coverage Excess Follow Form Coverage A Claims Made Insurance And Extended Reporting Periods Provided the applicable underlying insurance described in this Endorsement is claims made insurance this coverage applics only if the injury or damage did not occur or the offense that causes the injury was not first committed as applicable before the Retroactive Date shown in this Endorsement or after the end of the policy period of this insurance and a claim with respect to such injury or damage is first made during the policy period of this insurance or any Extended Reporting Period we provide. When Extended Provided the applicable underlying insurance provides extended reporting periods we will Reporting Periods Apply provide Extended Reporting Periods as described below. We will automatically provide a Basic Extended Reporting Period and if you purchase it a Supplemental Extended Reporting Period if A. this insurance is canceled or not renewed or Chubb Commercial Excess And UmbrellaInsurance Coverage Excess Follow Form Coverage A Claims Made Form 07 02 0859 Rev. 7 01 Endorsement Page 104 | 2 |
B. we renew or replace this insurance with other insurance that 1. has aretroactive date later than the Retroactive Date shown in this Endorsement or is not claims made insurance. How Extended Reporting Extended Reporting Periods Periods Apply A apply only to claims with respect to 1. injury or damage that did not occur or 2. injury caused by an offense that was not first committed before the Retroactive Date shown in this Endorsement or after the end of the policy period of this insurance. do not 1. extend the policy period or change the scope of coverage provided or 2. reinstate or increase the Limits Of Insurance. may not be canceled once in effect. Basic Extended Reporting Period A Basic Extended Reporting Period is automatically provided. This period starts with the end of the policy period of this insurance and lasts for a period no longer than the applicable extended reporting period of the underlying insurance for claims made with respect to injury or damage caused by an occurrence or offense reported to us not later than sixty 60 days after the end of the policy period of this insurance in accordance with paragraphs A. and B. of the condition titled Duties In the Event Of Occurrence Offense Claim Or Suit. yetno longer than sixty 60 days with respect to claims resulting from occurrences or offenses not previously reported to us. Such claims will be deemed to have been made during the policy period of this insurance. The Basic Extended Reporting Period does not apply to claims that are covered under any subsequent insurance you purchase or that would be covered but for exhaustion of the amount of insurance otherwise applicable to such claims. Supplemental Extended Reporting Period A Supplemental Extended Reporting Period is available but only by an endorsement and for an additional premium subject to the following provisions. If purchased this period starts at the later of the end of the policy period of this insurance or the end of the applicable Basic Extended Reporting Period of this insurance and lasts for a period no longer than the applicable extended reporting period of the underlying insurance. Claims first made during this Supplemental Extended Reporting Period will be deemed to have been made during the policy period of this insurance. You must give us a written request to purchase a Supplemental Extended Reporting Period within sixty 60 days after the end of the policy period of this insurance. The Supplemental Extended Reporting Period will not go into effect unless you pay the additional premium promptly when due. We will determine the additional premium for the Supplemental Extended Reporting Period Endorsement in accordance with our rules and rates. The Supplemental Extended Reporting Period Endorsement will set forth the terms and Chubb Commercial Excess And UmbrellaInsurance Coverage Excess Follow Form Coverage A Claims Made Form 07 02 0859 Rev. 7 01 Endorsement Page 20f 4 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Effective Date JANUARY 1 2021 Policy Number 7984 14 54 conditions not inconsistent with this section applicable to the Supplemental Extended Reporting Period. The insurance afforded under the Supplemental Extended Reporting Period Endorsement is excess over any other valid and collectible insurance available under insurance in force after the Supplemental Extended Reporting Period starts. Under Coverages Umbrella Coverage B Bodily Injury And Property Damage Liability Coverage the following provision is added. Coverages This coverage does not apply to any part of Umbrella Coverage B A. loss to which underlying insurance would have applied but for a limitation in such Bodily Injury And coverage with respect to the timing of a triggering event or Property Damage B. any costs or expenses related to loss described in subparagraph A. above. Liability Coverage Under Coverages Umbrella Coverage B Advertising Injury And Personal Injury Liability Coverage the following provision is added Coverages This coverage does not apply to any part of Umbrella Coverage B A. loss to which underlying insurance would have applied but for a limitation in such Advertising Injury And coverage with respect to the timing of a triggering event or Personal Injury B. any costs or expenses related to loss described in subparagraph A. above. Liability Coverage Under Policy Definitions the following definition is added. Policy Definitions Claims Made Claims made insurance means such insurance coverage the triggering event of which is based on the timing of a claim first made during the policy period or any extended reporting period. All other terms and conditions remain unchanged. Q B Authorized Representative g. February 24 2021 Chubb Commercial Excess And UmbrellaInsurance Coverage Excess Follow Form Coverage A Claims Made Form 07 02 0859 Rev. 7 01 Endorsement Page 30f 4 | 2 |
Chubb Commercial Excess And UmbrellaInsurance Coverage Excess Follow Form Coverage A Claims Made Form 07 02 0859 Rev. 7 01 Endorsement Page 40f 4 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 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 Foreign Liability This insurance does not apply to bodily injury property damage advertising injury or personal injury arising out of an occurrence outside the United States of America its territories or pos ons Canada or Puerto Rico. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Exclusions Umbrella Coverage B Foreign Liability Form 07 02 0861 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Professional Services This insurance does not apply to any liability or loss cost or expense arising out of the rendering or failing to 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. Q Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Policy Exclusions Professional Services Form 07 02 0864 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Alcoholic Beverages This insurance does not apply to any liability loss cost or expense 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 organization may 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 transportation with respect to any person that may be under the influence of alcohol or E. for which any person or organization may be held liable as an owner or lessor of premises in 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 any license is required for furnishing or serving alcoholic beverages. All other terms and conditions remain unchanged. Q Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Alcoholic Beverages Form 07 02 0872 Rev. 1 14 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Limits Of Insurance the following provision is added Limits Of Insurance Non Accumulation Of Limits If an occurrence claim or suit covered under this policy is also covered under another Commercial Excess And Umbrella Insurance policy or other similar policy issued by us or any other member insurer of the Chubb Group of Insurance Companies the combined maximum amount paid for such occurrence claim or suit under all applicable policies will not exceed the amount stated in the Declarations of the policy with the highest Each Occurrence Limit Of Insurance. Payments made for such occurrence claim or suit will be treated as paid under cach of the applicable Commercial Excess And Umbrella Insurance policies or other similar policies for purposes of determining the Limits Of Insurance available under the Excess Coverage Other Aggregate Limit Umbrella Coverages Aggregate Limit Products Completed Operations Aggregate Limit or Advertising Injury and Personal Injury Aggregate Limit as respects any subsequent occurrence claim or suit. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Limits Of Insurance Non AccumulationOf Limits Form 07 02 0879 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Exclusions Excess Follow Form Coverage A the exclusion titled Pollution is deleted and replaced with the following Exclusions Excess Follow Form Coverage A Pollution This insurance does not apply to any liability or loss cost or expense arising out of A the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants. B. 1. anyrequest 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. any 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 pollutants. This exclusion applics regardless of whether or not the pollution was accidental expected gradual intended preventable or sudden. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Exclusions Excess Follow Form Coverage A Pollution Form 07 02 0885 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion titled Coverages Laws Various is deleted and replaced with the following Policy Exclusions Coverages Laws Various This insurance does not apply to any liability or loss cost or expense or obligation of any insured under any medical expense or payments coverage no fault law personal injury protection coverage workers compensation disability benefits or unemployment compensation law or similar coverage or law. Under Exclusions Umbrella Coverage B the following exclusion is added Exclusions Umbrella Coverage B injury or property damage or oblig ured financial responsibility law. Uninsured Motorists This insurance does not apply to bodil insured under any underinsured or unis This insurance does not apply to bodi insured under any underinsured or ur njury or property damage or obligation of any sured financial responsibility law. All other terms and conditions remain unchanged. Q Authorized Representative LHO February 24 2021 Chubb Commercial Excess Follow Form Insurance. Policy Exclusions Coverage Laws Various Form 07 02 0904 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Conditions the following condition is added Conditions Premium Installments The premium charged in the policy is to be paid in installments in the following manner DATE PAYMENT DUE AMOUNT DUE 01012021 4744.75 04012021 4744.75 07012021 4744.75 10012021 4744.75 TOTAL 18979.00 If the first Named Insured fails to pay any installment when it becomes due as provided above we may cancel this policy upon notice to the first Named Insured in accordance with the conditions of the policy. All other terms and conditions remain unchanged. Q Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Conditions Premium Installments Form 07 02 0950 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Intellectual Property Laws Or Rights Under Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury the exclusion titled Intellectual Property Laws Or Rights is deleted. Under Policy Exclusions the following exclusion is added. Policy Exclusions Intellectual Property Laws Or Rights This insurance does not apply to any liability loss cost or expense arising out of giving rise to or in any way related to any actual alleged or threatened 1. assertion or 2. infringement or violation by any person or organization including any insured of any intellectual property law or right. Further this insurance does not apply to the entirety of all allegations in any claim or suit if such claim or suit includes an allegation of or a reference to an infringement or violation of any intellectual property law or right even if this insurance would otherwise apply to any part of the allegations in the claim or suit. This exclusion applics unless the only infringement or violation of an intellectual property law or right is an offense described in the definition of advertising injury to which this insurance applies. Chubb Commercial Excess And Umbrella Insurance Policy Exclusion Intellectual Property Laws Or Rights Form 07 02 1146 Rev. 5 10 Endorsement Page 1073 | 2 |
Under Definitions Umbrella Coverage B the following definitions are deleted. Definitions Umbrella Coverage B Advertisement Advertising Injury Intellectual Property Law Or Rights Under Policy Definitions the following definitions are added. Policy Definitions 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. Advertising 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. Intellectual Property Law Intellectual property law or right means any Or Right 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 proprictary 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 Chubb Commercial Excess And Umbrella Insurance Policy Exclusion Intellectual Property Laws Or Rights Form 07 02 1146 Rev. 5 10 Endorsement Page 2073 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Effective Date Policy Number JANUARY 12021 7984 14 54 Policy Definitions Intellectual Property Law other judicial or statutory law concerning piracy passing off or similar practices. Or Right continued All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Policy Exclusion Intellectual Property Laws Or Rights Form 07 02 1146 Rev. 5 10 Endorsement Page 30f 3 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Lead This insurance does not apply to any liability or loss cost or expense arising out of A. the actual alleged or threatened contaminative pathogenic toxic or other hazardous properties of Lead or B. 1. anyrequest 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 Lead or 2. any claim or proceeding by or on behalf of a governmental authority o 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 Lead. Under Policy Definitions the following Definition is added Policy Definitions Lead Lead means the element lead in any form including its use or presence in any alloy compound by product or other material or waste. Waste includes materials to be disposed of recycled reconditioned or reclaimed. All other terms and conditions remain unchanged. Q Authorized Representative Aw February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Lead Form 07 02 1153 Rev. 7 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury the exclusion titled Recall Of Products Work Or Impaired Property is deleted. Exclusions Umbrella Coverage B Bodily Injury Property Damage Advertising Injury Personal Injury Recall Of Products Work Or Impaired Property Under Definitions Umbrella Coverage B the definitions titled Your Product and Your Work are deleted. Definitions Umbrella Coverage B Your Product Your Work Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Recall Of Products Form 07 02 1458 Rev. 7 01 Endorsement Page 1073 | 2 |
Under Policy Exclusions the following exclusion is added Policy Exclusions Recall Of Products Work This insurance does not apply to any liability for any loss cost or expense incurred by you or Or Property other for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of. your product. your work or. property which incorporates your product or work. Under Policy Definitions the following definitions are added Policy Definitions Your Product 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. aperson or organization whose assets 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 Your work A means any 1. work or operations performed by a. youoron your behalf or b. aperson or organization whose assets or business you have acquired and 2. materials parts or equipment furnished in connection with such work or operations. Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Recall Of Products Form 07 02 1458 Rev. 7 01 Endorsement Page 207 3 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Effective Date Policy Number JANUARY 12021 7984 14 54 Policy Definitions Your Work 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. All other terms and conditions remain unchanged. Q Authorized Representative LHO February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Recall Of Products Form 07 02 1458 Rev. 7 01 Endorsement Page 307 3 | 2 |
CHUBRB cCchubb Commercial Excess And Umbrella Insurance Endorsement JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Policy Period Effective Date Policy Number Insured Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Who Is An Insured Named Insured The Named Insured shown in the Declarations is completed to read as follows Bo Parts Inc. All Other Terms and Conditions Remain Unchanged Q D Authorized Representative LQ February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Who is An Insured Named Insured Form 07 02 1477 Rev. 07 01 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Biological Agents This insurance does not apply to any liability o loss cost or expense arising out of the actual alleged or threatened contaminative pathogenic toxic or other hazardous properties of biological agents. 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 contain treat detoxify or neutralize or in any way respond to or assess the effects of any biological agents 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 any biological agents. Under Policy Definitions the following definition is added Policy Definitions Biological Agents Biological Agents means any A 1. bacteria 2. mildew mold or other fungi Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Biological Agents Form 07 02 1692 Rev. 7 01 Endorsement Page 107 2 | 2 |
Policy Definitions Biological Agents 3. other microorganisms or continued 4. mycotoxins spores or other by products of any of the foregoing 3. other microorganisms or 4. mycotoxins spores or other by products of any of the foregoing B. viruses or other pathogens whether or not a microorganism or C. colony or group of any of the foregoing. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Biological Agents Form 07 02 1692 Rev. 7 01 Endorsement Page 201 2 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Terrorism Provisions Cap On Certified Terrorism Losses A new section titled Terrorism Provisions is added to the end of this contract. It aggregate insured losses attributable to one or more certified acts of terrorism under the terrorism law exceed 100 billion in a calendar year and we have met our insurer deductible under the terrorism law we will 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. A new section titled Terrorism Definitions is added. Terrorism Definitions Certified Act Of Certified act of terrorism means any act that is certified by the Secretary of the Treasury of Terrorism the United States to be an act A of terrorism a violent act or an act that is dangerous to human life property or infrastructure and B. that results in damage 1. within the United States or 2. outside of the United States in the case of a. anair carrier or vessel as described in the terrorism law or b. the premises of a mission of the United States of America which was committed by an individual or individuals as part of an cffort to coerce the civilian population or influence the policy or affect the conduct of the Government of the United States. Chubb Commercial Excess And Umbrella Insurance Cap On Certified Terrorism Losses Form 07 02 1967 Rev. 1 15 Endorsement Page 1 0f 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
Terrorism Definitions Certified Act Of Certified act of terrorism does not include an act that Terrorism s committed as part of the course of a war declared by the Congress of the United continued States or does not result in property and casualty insurance losses that exceed 5 million in the aggregate and are attributable to all types of insurance subject to the terrorism law. State State means any state of the United States of America the District of Columbia the Commonwealth of Puerto Rico the Commonwealth of the Northern Mariana Islands American Samoa Guam cach of the United States Virgin Islands and any territory or possession of the United States of America. Terrorism Law Terrorism law means the Terrorism Risk Insurance Act of 2002 as amended. United States means astate and. the territorial sea and the continental shelf of the United States of America as described in the terrorism law. United States All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance Cap On Certified Terrorism Losses Form 07 02 1967 Rev. 1 15 Endorsement Page 201 2 Includes copyrighted material of Insurance Services Office Inc. with its permission. | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added to this policy and replaces any similar exclusion contained therein Policy Exclusions Information Laws Including Unauthorized Or Unsolicited Communications This insurance does not apply to any liability or loss cost or expense arising out of any actual alleged or threatened violation of the United States of America CAN SPAM Act of 2003 or any law amendatory thereof or any similar regulatory or statutory law in any other jurisdiction the United States of America Telephone Consumer Protection Act TCPA of 1991 or any law amendatory thereof or any similar regulatory or statutory law in any other jurisdiction the United States of America Fair Credit Reporting Act FCRA or any law amendatory thereof including the Fair and Accurate Credit Transactions Act FACTA or any similar regulatory or statutory law in any other jurisdiction or any other regulatory or statutory law in any jurisdiction that addresses limits or prohibits the collecting communicating disposal dissemination distribution monitoring printing publication recording sending or transmitting of content information or material. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Policy Exclusions Information Laws Including Unauthorized Or Chubb Commercial Excess And Umbrella Insurance. Unsolicited Communications Form 07 02 2172 Rev. 1 13 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 The following exclusion is added to this policy and replaces any similar exclusion contained therein. The use of the words damages loss cost or expense in any exclusion does not expand any coverages under this contract. Under Policy Exclusions the following exclusion is added Policy Exclusions Asbestos Silica Or Similar Compounds Including Mixed Dust With respect to all coverages under this contract this insurance does not apply to any damages loss cost or expense arising in whole or in part out of the actual alleged or threatened contaminative pathogenic toxic or other hazardous properties of 1. asbestos 2. silica or 3. mixed dust. With respect to all coverages under this contract this insurance does not apply to any damages loss cost or expense arising in whole or in part out of any L. demand order request 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 or 2. claim or proceeding by or on behalf of a governmental authority or others for any damages loss cost or expense because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of. asbestos. silica or. mixed dust. Policy Exclusions Asbestos Silica Or Similar Compounds Chubb Commercial Excess And Umbrella Insurance. Including Mixed Dust Form 07 02 2194 Ed. 4 05 Endorsement Page 10f 2 | 2 |
Under Policy Definitions the following definitions are added and replace any similar definitions contained therein Policy Definitions Asbestos Asbestos means asbestos in any form including its presence or use in any alloy by product compound or other material or waste. Mixed Dust Mixed dust means any combination or mixture of ashestos or silica and any other dust fibers or particles in any form including any presence or use in any alloy by product compound or other material or waste. Silica Silica means silica in any form including silicates or other similar silicon compounds including its presence or use in any alloy by product compound or other material or waste. Waste Waste includes material to be recycled reconditioned or reclaimed. All other terms and conditions remain unchanged. Q Authorized Representative LHO February 24 2021 Policy Exclusions Asbestos Silica Or Similar Compounds Chubb Commercial Excess And Umbrella Insurance. Including Mixed Dust Form 07 02 2194 Ed. 4 05 Endorsement Page 20f 2 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 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 Foreign And Canada This insurance does not apply to Liability bodily injury or property damage arising out of an occurrence that takes place or advertising injury or personal injury caused by an offense committed outside the United States of America its territories or possessions or Puerto Rico. All other terms and conditions remain unchanged. Q Authorized Representative LO Februarv 24. 2021 Authorized Representative February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Coverage B Exclusion Foreign And Canada Liability Form 07 02 2289 Ed. 1 10 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Coverage Crisis Assistance For Excess And Umbrella Policy Definitions Crisis Assistance Service Provider is amended to include the following firms. Policy Definitions Crisis Assistance Service Provider A crisis management firm or at the insured s dis management capabilities. retion another services provider with cris 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. Q Authorized Representative LHO February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Crisis Assistance Service Providers Form 07 02 2455 Ed. 12 10 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added. Policy Exclusions Loss Of Use Of Electronic Data This insurance does not apply to any liability or loss cost or expense arising out of any. corruption of inability to access inability to manipulate. loss of or other injury or damage to or loss of use of any software data or other information that is in electronic form. This exclusion does not apply to bodily injury or physical injury to tangible property including resulting loss of use of that property. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusion Loss Of Use Of Electronic Data Form 07 02 2500 Ed. 5 12 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added Policy Exclusions Access To Or Disclosure Of Confidential Or Personal Information This ins rance does not apply to any liability or loss cost or expense arising out of any access sclosure of any person s or organization s confidential or personal information including any patents trade secrets processing methods customer lists financial information credit card information health information or any other type of non public information. to or This exclusion applics even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. All other terms and conditions remain unchanged. Q B Authorized Representative g February 24 2021 Policy Exclusions Access To Or Disclosure Of Confidential Or Chubb Commercial Excess And Umbrella Insurance. Personal Information Form 07 02 2615 Ed. 3 17 Endorsement Page 10f 1 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Exclusions Umbrella Coverage B Bodily Injury Property Damage the exclusion titled Aircraft Owned Or Rented Without Crew is deleted. Exclusions Umbrella Coverage B Bodily Injury Property Damage Aircraft Owned Or Rented Without Crew Under Definitions Umbrella Coverage B the definitions titled Advertisement Advertising Injury Auto and Loading Or Unloading are deleted. Definitions Umbrella Coverage B Advertisement Advertising Injury Auto Loading Or Unloading Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Aircraft Including Unmanned Aircraft Form 07 02 2702 Ed. 1 16 Endorsement Page 1073 | 2 |
Under Policy Exclusions the following exclusion is added. Policy Exclusions Aircraft Including This insurance does not apply to any liability or loss cost or expense arising out of the Unmanned Aircraft ownership maintenance use use includes operation and loading or unloading or entrustment to others of any This insurance does not apply to any liability or loss cost or expense arising out of the ownership maintenance use use includes operation and loading or unloading or entrustment to others of any A. aircraft that is an unmanned aircraft or B. aircraft other than an unmanned aircraft owned or operated by or loaned or rented to any insured. With respect to Coverage Excess Follow Form Coverage A only subparagraph A. above does not apply to advertising injury. Under Policy Definitions the following definitions are added. Policy Definitions 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. Advertising 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 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. Loading Or Unloading 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 a 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. Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Aircraft Including Unmanned Aircraft Form 07 02 2702 Ed. 1 16 Endorsement Page 2013 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Effective Date Policy Number JANUARY 12021 7984 14 54 Policy Definitions continued Unmanned Aircraft Unmanned aircraft means an aircraft that is not designed manufactured or modified after manufacture to be controlled directly by a person from within or on such aircraft. All other terms and conditions remain unchanged. Q Authorized Representative LHO Date February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusions Aircraft Including Unmanned Aircraft Form 07 02 2702 Ed. 1 16 Endorsement Page 3013 | 2 |
CHUBB cChubb Commercial Excess And Umbrella Insurance Endorsement Policy Period Effective Date Policy Number Insured JANUARY 12021 JANUARY 12021 7984 14 54 FRIMO INC To JANUARY I2022 Name of Company FEDERAL INSURANCE COMPANY Date Issued February 24 2021 Under Policy Exclusions the following exclusion is added. Policy Exclusions War This insurance does not apply to any liability or loss cost or expense arising directly or indirectly out of war including undeclared or civil war warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of the foregoing. All other terms and conditions remain unchanged. Q Authorized Representative uw Date February 24 2021 Chubb Commercial Excess And Umbrella Insurance. Policy Exclusion War Form 07 02 2741Ed. 3 17 Endorsement Page 10f 1 | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY COMMERCIAL UMBRELLA DECLARATIONS Wl T T Tl Policy Period From 010119 to 010120 Policy Number 537 83 21 20 Wemoo oS DT T T NAMED INSURED PRODUCER AYARS AYARS INC LOCKTON COMPANIES LLC 2436 N 48TH ST 13710 FNB PKWY STE 400 LINCOLN NE 68504 3627 OMAHA NE 68154 5298 AGENT AB 8210 AGENT PHONE 402970 6100 AGENCY BILL JACK H. STRUYK CLAIM REPORTING 888362 2255 SERVICING CARRIER 402951 8300 Insured is CORPORATION CONTRACTOR Each Occurrence Limit Liability Coverage 10000000 Personal Advertising Injury Limit 10000000 Any one person or organization Aggregate Limit Liability Coverage 10000 000 except with respect to covered autos A 100 MINIMUM POLICY PREMIUM APPLIES IF POLICY IS CANCELLED AFTER THE EFFECTIVE DATE. Forms Applicable CU00010413 CU02081217 CU04031207 CU21230202 CU21300115 CU21360115 CU21710615 CU21860514 CU24231207 CU24360918 CU7001A1115 CU72700806 CU72720806 CU72760716 CU72930806 CU7404.11008 CU74381109 CU74601215 CU74680117 CU83230918 IL7130A0401 IL7131A0401 IL74470515 IL8383.2A0115 IL8384A0108 Date of Issue 122018 BPP FORM CU7000A ED. 01 07 BPP 110818 007 Jo 5378321 2001 COMMERCIAL UMBRELLA D Policy Period From 010119 to 010120 2436 N 48TH ST 13710 FNB PKWY STE 400 LINCOLN NE 68504 3627 OMAHA NE 68154 5298 AGENT AB 8210 AGENT PHONE 402970 6100 AGENCY BILL JACK H. STRUYK CLAIM REPORTING 888362 2255 AGENCY BILL serage 10000000 10000000 10000 000 A 100 MIN Forms Applicable CU00010413 CU02081217 CU04031207 CU21230202 CU21300115 CU21360115 CU21710615 CU21860514 CU24231207 CU24360918 CU7001A1115 CU72700806 CU72720806 CU72760716 CU72930806 CU7404.11008 CU74381109 CU74601215 CU74680117 CU83230918 IL7130A0401 IL7131A0401 IL74470515 IL8383.2A0115 ILB8384A0108 CU02081217 CU04031207 CU21230202 CU21360115 CU21710615 CU21860514 CU24360918 CU7001A1115 CU72700806 CU72760716 CU72930806 CU7404.11008 ATTTIAENT1D 1EN ATITACQ N1 19 T1Q2722 00719 | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5J7 83 21 20 AYARS AYARS INC EFF DATE 010119 EXP DATE 010120 COMMERCIAL UMBRETLTLA POLICY DECLARATIONS ENDORSEMENT SCHEDULE EDITION FORM DATE DESCRIPTION ADDITIONAL INFORMATION PREMIUM CU0001 04 13 COMM LIABILITY UMBRELLA COV FORM CU0208 12 17 NE CHANGES CANCELLATION AND NONRENEW CU0403 12 07 EMPLOYEE BENEFITS LIABILITY COVERAGE LIMITS OF INSURANCE s 0 RETAINED LIMIT 10000000 EACH EMPLOYEE 10000000 AGGREGATE RETROACTIVE DATE 01012011 Cu2123 02 02 NUCLEAR ENERGY LIAB EXCL BROAD FORM CU2130 01 15 CAP OF LOSSES FROM CERT ACTS OF TERR CU2136 01 15 EXCL PUNITIVE DMG CERT ACTS OF TERR CU2171 06 15 EXCLUSION UNMANNED AIRCRAFT CU2186 05 14 EXCL ACCESS DISCL OF CONFID PERSONAL CU2423 12 07 COVERAGE FOR PROFESSIONAL SERVICES CU2436 09 18 PRODUCTS COMPL OPS AGGREGATE LIMIT LIMIT OF INSURANCE 10000000 CU7001A 11 15 SCHED OF PRIMARY INS AUTOMATED CU7270 08 06 AGG LIMIT PER PROJ AGG FOR PREM OPS CU7272 08 06 ASBESTOS EXCLUSION CU7276 07 16 COMMERCIAL UMBRELLA AMENDMENT OF COV CU7293 08 06 FOREIGN EXPOSURE FOLLOWING FORM CU7404.1 10 08 UMBRELLA LIAB AMEND FOLLOW FORM CU7438 11 09 CONTRACTORS OCCURRENCE DEFINITION CU7460 12 15 BLANKET WAIVER OF SUBROG WHEN REQUIR CU7468 01 17 PRIMARY NONCONT OTHER INS AUTOMATIC CU8323 09 18 2017 MULTISTATE FORMS ADV NOTICE IL7130A 04 01 NAMED INSURED ENDORSEMENT IL7131A 04 01 COMML POLICY ENDORSEMENT SCHEDULE IL7447 05 15 NOTICE OF CANCEL W WRITTEN CONTRACT IL8383.2A 01 15 DISCL PURSUANT TERRSM RISK INS. ACT 431 IL8384A 01 08 TERRORISM NOTICE DATE OF ISSUE 122018 FORM IL7131A ED. 04 01 007 Jo 5378321 2001 EDITION CU2123 CU2130 CU2136 CU2171 CU2186 CU2423 CU2436 CU7001A CU7270 CU7272 CU7276 CU7293 CU7404.1 CU7438 CU7460 CU7468 CU8323 IL7130A IL7131A IL7447 IL8383.2A IL8384A 02 02 01 15 01 15 06 15 05 14 12 07 09 18 11 15 08 06 08 06 07 16 08 06 10 08 11 09 12 15 01 17 09 18 04 01 04 01 05 15 01 15 01 08 NE CHANGES CANCELLATION AND NONRENEW EMPLOYEE BENEFITS LIABILITY COVERAGE LIMITS OF INSURANCE 0 RETAINED LIMIT 10000000 EACH EMPLOYEE 10000000 AGGREGATE RETROACTIVE DATE 01012011 NUCLEAR ENERGY LIAB EXCL BROAD FORM CAP OF LOSSES FROM CERT ACTS OF TERR EXCL PUNITIVE DMG CERT ACTS OF TERR EXCLUSION UNMANNED AIRCRAFT EXCL ACCESS DISCL OF CONFID PERSONAL COVERAGE FOR PROFESSIONAL SERVICES PRODUCTS COMPL OPS AGGREGATE LIMIT LIMIT OF INSURANCE 10000000 SCHED OF PRIMARY INS AUTOMATED AGG LIMIT PER PROJ AGG FOR PREM OPS ASBESTOS EXCLUSION COMMERCIAL UMBRELLA AMENDMENT OF COV FOREIGN EXPOSURE FOLLOWING FORM UMBRELLA LIAB AMEND FOLLOW FORM CONTRACTORS OCCURRENCE DEFINITION BLANKET WAIVER OF SUBROG WHEN REQUIR PRIMARY NONCONT OTHER INS AUTOMATIC 2017 MULTISTATE FORMS ADV NOTICE NAMED INSURED ENDORSEMENT COMML POLICY ENDORSEMENT SCHEDULE NOTICE OF CANCEL W WRITTEN CONTRACT DISCL PURSUANT TERRSM RISK INS. ACT TERRORISM NOTICE 43 | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5J7 83 21 20 AYARS AYARS INC EFF DATE 010119 EXP DATE 010120 TERRORTISM NOTTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent DATE OF ISSUE 122018 FORM IL8384A 01 08 007 Jo 5378321 2001 AYARS AYARS INC EFF DATE 010119 EXP DATE 0101 TERRORTISM NOTTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent TERRORTISM NOTTICE This insurance may include coverage for certified acts of terrorism as defined in the Terrorism Risk Insurance Act as amended. Attached you will find a disclosure which identifies the specific charge for certified acts of terrorism. YOU MAY HAVE THE OPTION TO REJECT THIS TERRORISM COVERAGE For additional information please contact your agent | 2 |
NE INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5J7 83 21 20 AYARS AYARS INC EFF DATE 010119 EXP DATE 010120 THIS DISCLOSURE IS ATTACHED TO YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS DISLOSURE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. SCHEDUTLE Terrorism Premium Certified Acts 431.00 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorism acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this disclosure or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. For losses occurring in 2015 the federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. Beginning on January 1 2016 the federal share will decrease by one percentage point per calendar year until equal to 80 of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury shall not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. The following statement is required to be part of the disclosure notice in MISSOURI The premium above is for certain losses resulting from certified acts of terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your policy carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. Includes copyrighted material of ISO Properties Inc. with its permission DATE OF ISSUE 122018 FORM IL8383.2A01 15 007 Jo 5J78321 2001 THIS DISCLOSURE IS ATTACHED TO YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS DISLOSURE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. SCHEDUTLE Terrorism Premium Certified Acts 431.00 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act we are required to provide you with a notice disclosing the portion of your premium if any attributable to coverage for terrorism acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this disclosure or in the policy Declarations. B. Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. For losses occurring in 2015 the federal share equals 85 of that portion of the amount of such insured losses that exceeds the applicable insur retention. Beginning on January 1 2016 the federal share will decrease by one percentage point per calendar year until equal to 80 that portion of the amount of such insured losses that exceeds the applicable insurer retention. However if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calendar year the Treasury sha not make any payment for any portion of the amount of such losses that exceeds 100 billion. C. Cap On Insurer Participation In Payment Of Terrorism Losses If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed 100 billion in a calend year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasur The following statement is required to be part of the disclosure notice in MISSOURI The premium above is for certain losses resulting from certified acts terrorism as covered pursuant to coverage provisions limitations and exclusions in this policy. You should read the definition in your poli carefully but generally speaking certified acts of terrorism are acts that exceed 5 million in aggregate losses to the insurance industry and which are subsequently declared by the U.S. Secretary of the Treasury as a certified terrorist act under the Terrorism Risk Insurance Act. Some losses resulting from certified acts of terrorism are not covered. Read your policy and endorsements carefully. Includes copyrighted material of ISO Properties Inc. with its permission SCHEDUTLE i m Certified Acts 431.00 th the federal Terrorism Risk Insurance Act we are side you with a notice disclosing the portion of any attributable to coverage for terrorism acts the Terrorism Risk Insurance Act. The portion of ributable to such coverage is shown in the Schedule ire or in the policy Declarations. deral Participation In Payment Of Terrorism Losses s Government Department of the Treasury will pay In Payment Of Terrorism Losses | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY NAMED INSURED ENDORSEMENT S POLICY PERIOD FROM 010119 TO 010120 POLICY NUMBER 5J37 8321 20 z S NAMED INSURED PRODUCER AYARS AYARS INC LOCKTON COMPANIES LLC 2436 N 48TH ST 13710 FNB PKWY STE 400 LINCOLN NE 68504 3627 OMAHA NE 68154 5298 AGENT AB 8210 AGENT PHONE 402970 6100 AGENCY BILL JACK H. STRUYK CLAIM REPORTING 888362 2255 SERVICING CARRIER 402951 8300 THIS ENDORSEMENT CHANGES THE POLICY PLEASE READ IT CAREFULLY. IT IS HEREBY AGREED AND UNDERSTOOD THAT THE NAMED INSURED IS AMENDED TO READ AS FOLLOWS 1ST NAMED INSURED AYARS AYARS INC NO. BBC NO. B A NO. GREAT PLANES SURFACING NO. AOA NO. NORTHGATE CAMPUS ONE NO. 02 BUILDING 1 LLC 03 HOLDING COMPANY 04 05 PROPERTIES LLC INACTIVE 06 LLC 07 MIKE AYARS PLACE OF ISSUE OMAHA NE DATE OF ISSUE 122018 INACTIVE FORM TL7130A ED. 04 01 Jo 5378321 2001 NAMED INSURED ENDO POLICY PERIOD FROM 010119 TO 010120 2436 N 48TH ST 13710 FNB PKWY STE 400 LINCOLN NE 68504 3627 OMAHA NE 68154 5298 AGENT AB 8210 AGENT PHONE 402970 6100 AGENCY BILL JACK H. STRUYK CLAIM REPORTING 888362 2255 AGENCY BILL IT IS HEREBY AGREED AND UNDERSTOOD THAT THE NAMED INSURED IS AMENDED TO READ AS FOLLOWS 1ST NAMED INSURED AYARS AYARS INC NO. 02 BBC BUILDING 1 LLC NO. 03 B A HOLDING COMPANY NO. 04 GREAT PLANES SURFACING INACTIVE NO. 05 AOA PROPERTIES LLC INACTIVE NO. 06 NORTHGATE CAMPUS ONE LLC NO. 07 MIKE AYARS PLACE OF ISSUE OMAHA NE OLICY. | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY Policy Number 5J78321 20 AYARS AND AYARS INC Eff Date 010119 Exp Date 010120 COMMERCIAL UMBRETLTLA SCHEDUTLE ok ko ok ko Kok ko ok ok ko ok ok ok Kk ko Kk Kk kK Kk Kk Kk K Kk Kok ok ko Kok ok ko ko ko ko ko K RETAINED LIMIT Self Insured Retention 0 SCHEDULE OF UNDERLYING INSURANCE Commercial Auto Liability Company Employers Mutual Casualty Company Policy Number 5E78321 Policy Period 010119 to 010120 Minimum Applicable Limits Covered Auto Liability 1000000 Each Accident Commercial General Liability Company EMCASCO Insurance Company Policy Number 5D78321 Policy Period 010119 to 010120 Occurrence Basis Minimum Applicable Limits General Aggregate 2000000 Products Completed Operations Aggregate 2000000 Personal and Advertising Injury 1000000 Each Occurrence 1000000 Employee Benefit Liability 1000000 Each Employee 2000000 Aggregate Employers Liability Company EMCASCO Insurance Company Policy Number 5H78321 Policy Period 010119 to 010120 Minimum Applicable Limits Bodily Injury by Accident 1000000 Each Accident Bodily Injury by Disease 1000000 Each Employee Bodily Injury by Disease 1000000 Policy Limit Date of Issue 122018 BPP CONTINUED FORM CU7001A ED. 11 15 BPP 110818 007 Jo 5378321 2001 AYARS AND AYARS INC Eff Date 010119 Exp Date 0101 COMMERCIAL UMBRETLTLA SCHEDUTLE ko ok ko ok ok ko ko ko kK ko ko Kk Kk ko Kk Kk Kk K Kk Kk Kk K R ko ok ko ko ok ok ko ok ok ko RETAINED LIMIT Self Insured Retention 0 SCHEDULE OF UNDERLYING INSURANCE Commercial Auto Liability Company Employers Mutual Casualty Company Policy Number SE78321 Policy Period 010119 to 010120 Minimum Applicable Limits Covered Auto Liability 1000000 Each Accident TR e e e e Company EMCASCO Insurance Company Policy Number 5D78321 Policy Period 010119 to 010120 Occurrence Basis Minimum Applicable Limits General Aggregate 2000000 Products Completed Operations Aggregate 2000000 Personal and Advertising Injury 1000000 Each Occurrence 1000000 Employee Benefit Liability 1000000 Each Employee 2000000 Aggregate B 1000000 Each Accident 1000000 Each Employee 1000000 Policy Limit | 2 |
MNEMC INSURANCE Page 2 EMPLOYERS MUTUAL CASUALTY COMPANY Policy Number 5J78321 20 AYARS AND AYARS INC Eff Date 010119 Exp Date 010120 Employers Liability Company Union Insurance Co. of Providence Policy Number 5R78321 Policy Period 010119 to 010120 Minimum Applicable Limits Bodily Injury by Accident 1000000 Each Accident Bodily Injury by Disease 1000000 Each Employee Bodily Injury by Disease 1000000 Policy Limit Date of Issue 122018 BPP FORM CU7001A ED. 11 15 BPP 110818 007 30 5378321 2001 Emy Eff Date 010119 Exp Date 0101 1000000 Each Accident 1000000 Each Employee 1000000 Policy Limit | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 00010413 COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay on behalf of the insured the ultimate net loss in excess of the retained limit because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking damages for such bodily injury or property damage when the underlying insurance does not provide coverage or the limits of underlying insurance have been exhausted. When we have no duty to defend we will have the right to defend or to participate in the defense of the insured against any other suit seeking damages to which this insurance may apply. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. At our discretion we may investigate any occurrence that may involve this insurance and settle any resultant claim or suit for which we have the duty to defend. But 1 The amount we will pay for the ultimate net loss is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B.. This insurance applies to bodily injury or property damage that is subject to an applicable retained limit. If any other limit such as a sublimit is specified in the underlying insurance this insurance does not apply to bodily injury or property damage arising out of that exposure unless that limit is specified in the Declarations under the Schedule of underlying insurance. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1.a. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. 2 3. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1.a. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. CU 00010413 Insurance Services Office Inc. 2012 Page 10f 18 | 0 |
e. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1.a. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim 1 Reports all or any part of the bodily injury or property damage to us or any other insurer 2 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. f. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury.. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and b Such attorneys fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any insured may be held liable by reason of 1 Causing or contributing to the intoxication of any person 2 The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol or 3 Any statute ordinance or regulation relating to the sale gift distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol if the occurrence which caused the bodily injury or property damage involved that which is described in Paragraph 1 2 or 3 above. However this exclusion applies only if you are in the business of manufacturing distributing selling serving or furnishing alcoholic beverages. For the purposes of this exclusion permitting a person to bring alcoholic beverages on your premises for consumption on your premises whether or not a fee is charged or a license is required for such activity is not by itself considered the business of selling serving or furnishing alcoholic beverages. This exclusion does not apply to the extent that valid underlying insurance for the liquor liability risks described above exists or would have existed but for the exhaustion of underlying limits for bodily injury and property damage. To the extent this exclusion does not apply the insurance provided under this Coverage Part for the liquor liability risks described above will follow the same provisions exclusions and limitations that are contained in the applicable underlying insurance unless otherwise directed by this insurance. b Page 2 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
d. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law. e. ERISA Any obligation of the insured under the Employee Retirement Income Security Act of 1974 ERISA and any amendments thereto or any similar federal state or local statute. Auto Coverages 1 Bodily injury or property damage arising out of the ownership maintenance or use of any auto which is not a covered auto or 2 Any loss cost or expense payable under or resulting from any first party physical damage coverage no fault law personal injury protection or auto medical payments coverage or uninsured or underinsured motorist law. g. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. With respect to injury arising out of a covered auto this exclusion does not apply to bodily injury to domestic employees not entitled to workers compensation benefits. For the purposes of this insurance a domestic employee is a person engaged in household or domestic work performed principally in connection with a residence premises. This exclusion does not apply to the extent that valid underlying insurance for the employer s liability risks described above exists or would have existed but for the exhaustion of underlying limits for bodily injury. To the extent this exclusion does not apply the insurance provided under this Coverage Part for the employer s liability risks described above will follow the same provisions exclusions and limitations that are contained in the applicable underlying insurance unless otherwise directed by this insurance. h. Employment related Practices Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defamation harassment humiliation discrimination or malicious prosecution directed at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraph a b or c above is directed. This exclusion applies whether the injury causing event described in Paragraph a b or c above occurs before employment during employment or after employment of that person. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. i. Pollution 1 Bodily injury or property damage which would not have occurred in whole or part but for the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time or 2 Pollution cost or expense. CU 00010413 Insurance Services Office Inc. 2012 Page 30f 18 | 1 |
This exclusion does not apply if valid underlying insurance for the pollution liability risks described above exists or would have existed but for the exhaustion of underlying limits for bodily injury and property damage. To the extent this exclusion does not apply the insurance provided under this Coverage Part for the pollution risks described above will follow the same provisions exclusions and limitations that are contained in the applicable underlying insurance unless otherwise directed by this insurance. j Aircraft Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 50 feet long and b Not being used to carry persons or property for a charge 3 Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft 4 The extent that valid underlying insurance for the aircraft or watercraft liability risks described above exists or would have existed but for the exhaustion of underlying limits for bodily injury or property damage. To the extent this exclusion does not apply the insurance provided under this Coverage Part for the aircraft or watercraft risks described above will follow the same provisions exclusions and limitations that are contained in the underlying insurance unless otherwise directed by this insurance or 5 Aircraft that is a Chartered by loaned to or hired by you with a paid crew and b Not owned by any insured.. Racing Activities Bodily injury or property damage arising out of the use of mobile equipment or autos in or while in practice for or while being prepared for any prearranged professional or organized racing speed demolition or stunting activity or contest.. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or 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 a You own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property or b Owned or transported by the insured and arising out of the ownership maintenance or use of a covered auto. 2 Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you 4 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 3 5 Page 4 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
6 That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. 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 1b 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraphs 3 and 4 of this exclusion do not apply to liability assumed under a written Trailer Interchange agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard.. Damage To Your Product Property damage to your product arising out of it or any part of it.. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured arising out of 1 A defect deficiency inadequacy or dangerous condition in your product or your work or 2 A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use.. Recall Of Products Work Or Impaired Property Damages claimed for any loss cost or expense incurred by you or others for the loss of use withdrawal recall inspection repair replacement adjustment removal or disposal of 1 Your product 2 Your work or 3 Impaired property if such product work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect deficiency inadequacy or dangerous condition in it.. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury.. Professional Services Bodily injury or property damage due to rendering of or failure to render any professional service. This includes but is not limited to 1 Legal accounting or advertising services 2 Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings or specifications Inspection supervision quality control architectural or engineering activities done by or for you on a project on which you serve as construction manager Engineering services including related supervisory or inspection services Medical surgical dental X ray or nursing services treatment advice or instruction Any health or therapeutic service treatment advice or instruction Any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming or therapy Any service treatment advice or instruction relating to physical fitness including service treatment advice or instruction in connection with diet cardiovascular fitness bodybuilding or physical training programs Optometry or optical or hearing aid services including the prescribing preparation fitting demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices 10 Body piercing services 11 Services in the practice of pharmacy 12 Law enforcement or firefighting services and 13 Handling embalming disposal burial cremation or disinterment of dead bodies. 3 4 5 6 8 9 CU 00010413 Insurance Services Office Inc. 2012 Page 50f 18 | 1 |
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the rendering of or failure to render any professional service. Electronic Data Damages arising out of the loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. However this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. This exclusion does not apply if valid underlying insurance for the electronic data risks described above exists or would have existed but for the exhaustion of underlying limits for bodily injury and property damage. The insurance provided under this Coverage Part will follow the same provisions exclusions and limitations that are contained in the applicable underlying insurance unless otherwise directed by this insurance.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or 4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay on behalf of the insured the ultimate net loss in excess of the retained limit because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking damages for such personal and advertising injury when the underlying insurance does not provide coverage or the limits of underlying insurance have been exhausted. When we have no duty to defend we will have the right to defend or to participate in the defense of the insured against any other suit seeking damages to which this insurance may apply. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. At our discretion we may investigate any offense that may involve this insurance and settle any resultant claim or suit for which we have the duty to defend. But 1 The amount we will pay for the ultimate net loss is limited as described in Section Il Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury that is subject to an applicable retained limit. If any other limit such as a sublimit is specified in the underlying insurance this insurance does not apply to personal and advertising injury arising out of that exposure unless that limit is specified in the Declarations under the Schedule of underlying insurance. c. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. Page 6 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
2. Exclusions This insurance does not apply to a. Personal and advertising injury 1 Knowing Violation Of Rights Of Another 2 3 4 5 Caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. Material Published With Knowledge Of Falsity Arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity. Material Published Prior To Policy Period Arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period. Criminal Acts Arising out of a criminal act committed by or at the direction of the insured. Contractual Liability For which the insured has assumed liability in a contract or agreement. This exclusion does not apply to a Liability for damages that the insured would have in the absence of the contract or agreement. b Liability for false arrest detention or imprisonment assumed in a contract or agreement. 6 Breach Of Contract Arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement. Quality Or Performance Of Goods Failure To Conform To Statements Arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement. Wrong Description Of Prices Arising out of the wrong description of the price of goods products or services stated in your advertisement. 9 Infringement Of Copyright Patent Trademark Or Trade Secret Arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other intellectual property rights do not include the use of another s advertising idea in your advertisement. However this exclusion does not apply to infringement in your advertisement of copyright trade dress or slogan. 10 Insureds In Media And Internet Type Businesses Committed by an insured whose business is a Advertising broadcasting publishing or telecasting b Designing or determining content of web sites for others or c An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. 11 Electronic Chatrooms Or Bulletin Boards Arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. 12 Unauthorized Use Of Another s Name Or Product 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. 13 Pollution Arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. CU 00010413 Insurance Services Office Inc. 2012 Page 7 of 18 | 1 |
14 Employment related Practices To a A person arising out of any i Refusal to employ that person ii Termination of that person s employment or iii Employment related practices policies acts or omissions such as coercion demotion evaluation reassignment discipline defamation harassment humiliation discrimination or malicious prosecution directed at that person or b The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraph i i or iii above is directed. This exclusion applies whether the injury causing event described in Paragraph i i or above occurs before employment during employment or after employment of that person. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. 15 Professional Services Arising out of the rendering of or failure to render any professional service. This includes but is not limited to a Legal accounting or advertising services b Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings or specifications Inspection supervision quality control architectural or engineering activities done by or for you on a project on which you serve as construction manager Engineering services including related supervisory or inspection services e Medical surgical dental X ray or nursing services treatment advice or instruction c d f Any health or therapeutic service treatment advice or instruction g Any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming or therapy h Any service treatment advice or instruction relating to physical fitness including service treatment advice or instruction in connection with diet cardiovascular fitness bodybuilding or physical training programs i Optometry or optical or hearing aid services including the prescribing preparation fitting demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices j Body piercing services k Services in the practice of pharmacy I Law enforcement or firefighting services and m Handling embalming disposal burial cremation or disinterment of dead bodies. 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 offense which caused the personal and advertising injury involved the rendering of or failure to render any professional service. 16 War However caused arising directly or indirectly out of a War including undeclared or civil war b Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. c Page 8 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
17 Recording And Distribution Of Material Or Information In Violation Of Law Arising directly or indirectly out of any action or omission that violates or is alleged to violate a The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law b The CAN SPAM Act of 2003 including any amendment of or addition to such law c The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or d Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. b. Pollution cost or expense. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend when the duty to defend exists a. All expenses we incur. b. Up to 2000 for cost of bail bonds including bonds for related traffic law violations required because of an occurrence we cover. We do not have to furnish these bonds. c. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 250 a day because of time off from work. e. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. When we have the right but not the duty to defend the insured and elect to participate in the defense we will pay our own expenses but will not contribute to the expenses of the insured or the underlying insurer.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured c. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee and f. The indemnitee 1 Agrees in writing to a Cooperate with us in the investigation settlement or defense of the suit Immediately send us copies of any demands notices summonses or legal papers received in connection with the suit Notify any other insurer whose coverage is available to the indemnitee and b c CU 00010413 Insurance Services Office Inc. 2012 Page 9 of 18 | 1 |
d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met attorneys fees incurred by us in the defense of that indemnitee necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.2 of Section Coverage A Bodily Injury And Property Damage Liability such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an insured s indemnitee and to pay for attorneys fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above or the terms of the agreement described in Paragraph f. above are no longer met. SECTION Il WHO IS AN INSURED 1. Except for liability arising out of the ownership maintenance or use of covered autos a. If you are designated in the Declarations as 1 An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. 2 A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. 3 A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. 4 An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. 5 A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. b. Each of the following is also an insured 1 Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for a Bodily injury or personal and advertising injury i To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a co employee 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 ii To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph ai above or iii For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph ai or ii above. b Property damage to property i Owned occupied or used by ii Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. 2 Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. Page 10 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
3 Any person or organization having proper temporary custody of your property if you die but only a With respect to liability arising out of the maintenance or use of that property and b Until your legal representative has been appointed. 4 Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. c. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However 1 Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. 2. Only with respect to liability arising out of the ownership maintenance or use of covered autos a. You are an insured. b. Anyone else while using with your permission a covered auto you own hire or borrow is also an insured except 1 The owner or anyone else from whom you hire or borrow a covered auto. This exception does not apply if the covered auto is a trailer or semitrailer connected to a covered auto you own. Your employee if the covered auto is owned by that employee or a member of his or her household. Someone using a covered auto while he or she is working in a business of selling servicing repairing parking or storing autos unless that business is yours. 2 3 2 3 4 Anyone other than your employees partners if you are a partnership members if you are a limited liability company or a lessee or borrower or any of their employees while moving property to or from a covered auto. A partner if you are a partnership or a member if you are a limited liability company for a covered auto owned by him or her or a member of his or her household. Employees with respect to bodily injury to a Any fellow employee of the insured arising out of and in the course of the fellow employee s employment or while performing duties related to the conduct of your business or b The spouse child parent brother or sister of that fellow employee as a consequence of Paragraph a above. c. Anyone liable for the conduct of an insured described above is also an insured but only to the extent of that liability. 3. Any additional insured under any policy of underlying insurance will automatically be an insured under this insurance. Subject to Section Il Limits Of Insurance if coverage provided to the additional insured is required by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance a. Required by the contract or agreement less any amounts payable by any underlying insurance or b. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. Additional insured coverage provided by this insurance will not be broader than coverage provided by the underlying insurance. No person or organization is an insured with respect 5 6 to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. CU 00010413 Insurance Services Office Inc. 2012 Page 11 0of 18 | 1 |
SECTION Il LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of a. Insureds b. Claims made suits brought or number of vehicles involved or c. Persons or organizations making claims or bringing suits.. The Aggregate Limit is the most we will pay for the sum of all ultimate net loss under a. Coverage A except ultimate net loss because of bodily injury or property damage arising out of the ownership maintenance or use of a covered auto and b. Coverage B.. Subject to Paragraph 2. above the Each Occurrence Limit is the most we will pay for the sum of all ultimate net loss under Coverage A because of all bodily injury and property damage arising out of any one occurrence.. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all ultimate net loss because of all personal and advertising injury sustained by any one person or organization.. If there is underlying insurance with a policy period that is nonconcurrent with the policy period of this Commercial Liability Umbrella Coverage Part the retained limits will only be reduced or exhausted by payments for a. Bodily injury or property damage which occurs during the policy period of this Coverage Part or b. Personal and advertising injury for offenses that are committed during the policy period of this Coverage Part. However if any underlying insurance is written on a claims made basis the retained limits will only be reduced or exhausted by claims for that insurance that are made during the policy period or any Extended Reporting Period of this Coverage Part. The Aggregate Limit as described in Paragraph 2. above applies separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV CONDITIONS 1. Appeals If the underlying insurer or insured elects not to appeal a judgment in excess of the retained limit we may do so at our own expense. We will also pay for taxable court costs pre and postjudgment interest and disbursements associated with such appeal. In no event will this provision increase our liability beyond the applicable Limits of Insurance described in Section Il Limits Of Insurance. 2. Bankruptcy a. Bankruptcy Of Insured Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. b. Bankruptcy Of Underlying Insurer Bankruptcy or insolvency of the underlying insurer will not relieve us of our obligations under this Coverage Part. However this insurance will not replace the underlying insurance in the event of bankruptcy or insolvency of the underlying insurer. This insurance will apply as if the underlying insurance were in full effect. 3. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense regardless of the amount which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Page 12 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
2 Authorize us to obtain records and other information Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent. 4. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. 5. Other Insurance a. This insurance is excess over and shall not contribute with any of the other insurance whether primary excess contingent or on any other basis. This condition will not apply to insurance specifically written as excess over this Coverage Part. When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. b. When this insurance is excess over other insurance we will pay only our share of the ultimate net loss that exceeds the sum of 1 The total amount that all such other insurance would pay for the loss in the absence of the insurance provided under this Coverage Part and 3 4 2 The total of all deductible and self insured amounts under all that other insurance. 6. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 7. Representations Or Fraud By accepting this policy you agree a. The statements in the Declarations are accurate and complete b. Those statements are based upon representations you made to us c. We have issued this policy in reliance upon your representations and d. This policy is void in any case of fraud by you as it relates to this policy or any claim under this policy. 8. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 9. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. CU 00010413 Insurance Services Office Inc. 2012 Page 13 of 18 | 1 |
10.When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. 11.Loss Payable Liability under this Coverage Part does not apply to a given claim unless and until a. The insured or insured s underlying insurer has become obligated to pay the retained limit and b. The obligation of the insured to pay the ultimate net loss in excess of the retained limit has been determined by a final settlement or judgment or written agreement among the insured claimant and us. 12.Transfer Of Defense When the underlying limits of insurance have been used up in the payment of judgments or settlements the duty to defend will be transferred to us. We will cooperate in the transfer of control to us of any outstanding claims or suits seeking damages to which this insurance applies which would have been covered by the underlying insurance had the applicable limit not been used up. 13.Maintenance Of Changes To Underlying Insurance Any underlying insurance must be maintained in full effect without reduction of coverage or limits except for the reduction of the aggregate limit in accordance with the provisions of such underlying insurance that results from payment of claims settlement or judgments to which this insurance applies. Such exhaustion or reduction is not a failure to maintain underlying insurance. Failure to maintain underlying insurance will not invalidate insurance provided under this Coverage Part but insurance provided under this Coverage Part will apply as if the underlying insurance were in full effect. If there is an increase in the scope of coverage of any underlying insurance during the term of this policy our liability will be no more than it would have been if there had been no such increase. You must notify us in writing as soon as practicable if any underlying insurance is cancelled not renewed replaced or otherwise terminated or if the limits or scope of coverage of any underlying insurance is changed. 14.Expanded Coverage Territory a. If a suit is brought in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from defending the insured the insured will initiate a defense of the suit. We will reimburse the insured under Supplementary Payments for any reasonable and necessary expenses incurred for the defense of a suit seeking damages to which this insurance applies that we would have paid had we been able to exercise our right and duty to defend. If the insured becomes legally obligated to pay sums because of damages to which this insurance applies in a part of the coverage territory that is outside the United States of America including its territories and possessions Puerto Rico or Canada and we are prevented by law or otherwise from paying such sums on the insured s behalf we will reimburse the insured for such sums. b. All payments or reimbursements we make for damages because of judgments or settlements will be made in U.S. currency at the prevailing exchange rate at the time the insured became legally obligated to pay such sums. Al payments or reimbursements we make for expenses under Supplementary Payments will be made in U.S. currency at the prevailing exchange rate at the time the expenses were incurred. c. Any disputes between you and us as to whether there is coverage under this policy must be filed in the courts of the United States of America including its territories and possessions Canada or Puerto Rico. d. The insured must fully maintain any coverage required by law regulation or other governmental authority during the policy period except for reduction of the aggregate limits due to payments of claims judgments or settlements. Failure to maintain such coverage required by law regulation or other governmental authority will not invalidate this insurance. However this insurance will apply as if the required coverage by law regulation or other governmental authority was in full effect. Page 14 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment. 3. Bodily injury means bodily injury disability sickness or disease sustained by a person including death resulting from any of these at any time. Bodily injury includes mental anguish or other mental injury resulting from bodily injury. 4. Coverage territory means anywhere in the world with the exception of any country or jurisdiction which is subject to trade or other economic sanction or embargo by the United States of America. 5. Covered auto means only those autos to which underlying insurance applies. 6. Employee includes a leased worker. Employee does not include a temporary worker. 7. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document. 8. Impaired property means tangible property other than your product or your work that can not be used or is less useful because a. It incorporates your product or your work that is known or thought to be defective deficient inadequate or dangerous or b. You have failed to fulfill the terms of a contract or agreement if such property can be restored to use by the repair replacement adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement.. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract b. A sidetrack agreement c. Any easement or license agreement except in connection with construction or demolition operations on or within 50 feet of a railroad d. An obligation as required by ordinance to indemnify a municipality except in connection with work for a municipality e. An elevator maintenance agreement f. That part of any contract or agreement entered into as part of your business pertaining to the rental or lease by you or any of your employees of any auto. However such contract or agreement shall not be considered an insured contract to the extent that it obligates you or any of your employees to pay for property damage to any auto rented or leased by you or any of your employees. g. That part of any other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraphs f. and g. do not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That pertains to the loan lease or rental of an auto to you or any of your employees if the auto is loaned leased or rented with a driver or 2 CU 00010413 Insurance Services Office Inc. 2012 Page 15 of 18 | 1 |
3 That holds a person or organization engaged in the business of transporting property by auto for hire harmless for your use of a covered auto over a route or territory that person or organization is authorized to serve by public authority. 10.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11.Loading or unloading means the handling of property a. After it is moved from the place where it is accepted for movement into or onto an aircraft watercraft or auto b. While it is in or on an aircraft watercraft or auto or c. While it is being moved from an aircraft watercraft or auto to the place where it is finally delivered but loading or unloading does not include the movement of property by means of a mechanical device other than a hand truck that is not attached to the aircraft watercraft or auto. 12.Mobile equipment means any of the following types of land vehicles including any attached machinery or equipment a. Bulldozers farm machinery forklifts and other vehicles designed for use principally off public roads b. Vehicles maintained for use solely on or next to premises you own or rent c. Vehicles that travel on crawler treads d. Vehicles whether self propelled or not maintained primarily to provide mobility to permanently mounted 1 Power cranes shovels loaders diggers or drills or 2 Road construction or resurfacing equipment such as graders scrapers or rollers e. Vehicles not described in Paragraph a. b. c. or d. above that are not self propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types 1 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment or 2 Cherry pickers and similar devices used to raise or lower workers f. Vehicles not described in Paragraph a. b. c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or resurfacing or c Street cleaning 2 Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers and 3 Air compressors pumps and generators including spraying welding building cleaning geophysical exploration lighting and well servicing equipment. However mobile equipment does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your advertisement. Page 16 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
15.Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16.Pollution cost or expense means any loss cost or expense arising out of any a. Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b. Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. 17.Products completed operations hazard a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except 1 Products that are still in your physical possession or 2 Work that has not yet been completed or abandoned. However your work will be deemed completed at the earliest of the following times a When all of the work called for in your contract has been completed. b When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured or c 2 The existence of tools uninstalled equipment or abandoned or unused materials. 18.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. With respect to the ownership maintenance or use of covered autos property damage also includes pollution cost or expense but only to the extent that coverage exists under the underlying insurance or would have existed but for the exhaustion of the underlying limits. For the purposes of this insurance with respect to other than the ownership maintenance or use of covered autos electronic data is not tangible property. As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and 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. 19.Retained limit means the available limits of underlying insurance scheduled in the Declarations or the self insured retention whichever applies. 20.Self insured retention means the dollar amount listed in the Declarations that will be paid by the insured before this insurance becomes applicable only with respect to occurrences or offenses not covered by the underlying insurance. The self insured retention does not apply to occurrences or offenses which would have been covered by underlying insurance but for the exhaustion of applicable limits. 21.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or CU 00010413 Insurance Services Office Inc. 2012 Page 17 of 18 | 1 |
b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent or the underlying insurer s consent. 22.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 23.Ultimate net loss means the total sum after reduction for recoveries or salvages collectible that the insured becomes legally obligated to pay as damages by reason of settlement or judgments or any arbitration or other alternate dispute method entered into with our consent or the underlying insurer s consent. 24.Underlying insurance means any policies of insurance listed in the Declarations under the Schedule of underlying insurance. 25.Underlying insurer means any insurer who provides any policy of insurance listed in the Schedule of underlying insurance. 26.Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 27.Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organizaton whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 28.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 18 of 18 Insurance Services Office Inc. 2012 CuU00010413 | 1 |
COMMERCIAL LIABILITY UMBRELLA Cu 02081217 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NEBRASKA CHANGES CANCELLATION AND NONRENEWAL COMMERCIAL LIABILITY UMBRELLA COVERAGE PART A. Paragraphs 2. and 3. of the Cancellation Common Policy Condition are replaced by the following 2.a. If this policy has been in effect for 60 days or less we may cancel this policy for any reason. b. 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 5 The risk originally accepted has substantially increased 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. 6 This endorsement modifies insurance provided under the following With respect to coverage provided by this endorsement the provisions of the Coverage Form apply unless modified by the endorsement. 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 cancel for any other reason. 3. We will mail our notice by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail 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. If the policy has been in effect 60 days or more or is a renewal or continuation policy and we cancel for a. Nonpayment of premium to a premium finance company or b. Any reason other than non payment of premium 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 cancel for any other reason. 3. We will mail our notice by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail 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. If the policy has been in effect 60 days or more or is a renewal or continuation policy and we cancel for a. Nonpayment of premium to a premium finance company or b. Any reason other than non payment of premium CuU 02081217 Insurance Services Office Inc. 2017 Page 1 of 2 | 2 |
notice of cancellation will be sent by registered mail certified mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service. B. Paragraph 6. of the Cancellation Common Policy Condition does not apply. C. Conditon 10. When We Do Not Renew of Section IV Conditions is replaced by the following WHEN WE DO NOT RENEW 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. 2. Any notice of nonrenewal will be mailed by registered mail certified mail first class mail or first class mail using Intelligent Mail barcode IMb or another similar tracking method used or approved by the United States Postal Service to the first Named Insured s last mailing address known to us. If we mail our notice by first class mail 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. Page 2 of 2 Insurance Services Office Inc. 2017 CuU 02081217 | 2 |
POLICY NUMBER POLICY NUMBER COMMERCIAL LIABILITY UMBRELLA CU 04031207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART SCHEDULE Additional Covered Employee Benefits Programs Limit Of Insurance Retained Limit Each Employee Aggregate Retroactive Date Information required to complete this Schedule if not shown above will be shown in the Declarations. A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY. Insuring Agreement a. We will pay on behalf of the insured the ultimate net loss in excess of the retained limit because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking damages for such an act error or omission when the underlying insurance does not provide coverage or the limits of underlying insur ance have been exhausted. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. At our discretion we may investigate any report of an act error or omission and settle any re sultant claim or suit for which we have a duty to defend. But 1 The amount we will pay for ultimate net loss is limited as described in Para graph D. Section lll Limits Of Insur ance and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Sup plementary Payments. b. This insurance applies only if 1 The act error or omission is negligently committed in the administration of your employee benefit program 2 The act error or omission did not take place before the Retroactive Date if any shown in the Schedule nor after the end of the policy period and 3 A claim for damages because of an act error or omission is first made against any insured in accordance with Paragraph c. below during the policy period or an Extended Reporting Period we provide under Paragraph F. of this endorsement. CU 04031207 ISO Properties Inc. 2007 Page 10of 5 a | 2 |
c. A claim seeking damages will be deemed to have been made at the earlier of the fol lowing times 1 When notice of such claim is received and recorded by any insured or by the underlying insurer or us if the limits of the underlying insurance have been used up whichever comes first or 2 When we make settlement in accor dance with Paragraph 1.a. above or set tlement is made by the underlying in surer with our agreement. A claim received and recorded by the in sured within 60 days after the end of the policy period will be considered to have been received within the policy period if no subsequent policy is available to cover the claim. d. All claims for damages made by an em ployee because of any act error or omis sion or a series of related acts errors or omissions including damages claimed by such employee s dependents and benefi ciaries will be deemed to have been made at the time the first of those claims is made against any insured. 2. Exclusions This insurance does not apply to a. Dishonest Fraudulent Criminal Or M ous Act Damages arising out of any intentional dis honest fraudulent criminal or malicious act error or omission committed by any in sured including the willful or reckless viola tion of any statute. b. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or per sonal and advertising injury. c. Failure To Perform A Contract Damages arising out of failure of perform ance of contract by any insurer. d. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit pro gram. e. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation Any claim based upon 1 Failure of any investment to perform 2 Errors in providing information on past performance of investment vehicles or 3 Advice given to any person with respect to that person s decision to participate or not to participate in any plan included in the employee benefit program f. Workers Compensation And Similar Laws Any claim arising out of your failure to comply with the mandatory provisions of any workers compensation unemployment compensation insurance social security or disability benefits law or any similar law. g. ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Retirement Income Secu rity Act of 1974 as now or hereafter amended or by any similar federal state or local laws. h. Available Benefits Any claim for benefits to the extent that such benefits are available with reasonable effort and cooperation of the insured from the applicable funds accrued or other col lectible insurance. i. Taxes Fines Or Penalties Taxes fines or penalties including those imposed under the Internal Revenue Code or any similar state or local law. j Employment Related Practices Damages arising out of wrongful termina tion of employment discrimination or other employment related practices. B. For the purposes of the coverage provided by this endorsement 1. All references to Supplementary Payments Coverages A and B are replaced by Supple mentary Payments Coverages A B and Em ployee Benefits Liability. 2. Paragraphs 1.b. and 3. of the Supplementary Payments provision do not apply. Page 2 of 5 ISO Properties Inc. 2007 CU 04031207 o | 2 |
C. For the purposes of the coverage provided by this endorsement Paragraphs 1.b. and 1.c. of Section 11 Who Is An Insured are replaced by the follow ing 1. Except for liability arising out of the ownership maintenance or use of covered autos b. Each of the following is also an insured 1 Each of your employees who is or was authorized to administer your employee benefit program. 2 Any persons organizations or employ ees having proper temporary authoriza tion to administer your employee bene fit program if you die but only until your legal representative is appointed. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this endorsement. c. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance applies to that organiza tion. However 1 Coverage under this provision is af forded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier. 2 Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section Ill Limits Of Insurance is replaced by the following 1. Our obligation to pay damages on behalf of the insured applies only to the amount of ultimate net loss in excess of the retained limit shown in the Schedule of this endorsement. If there is underlying insurance with a policy period that is non concurrent with the policy period of this endorsement the retained limit will only be reduced or exhausted by claims for that in surance that are made during the policy period or the Extended Reporting Period of this en dorsement. 3 2. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay re gardless of the number of a Insureds b Claims made or suits brought c Persons or organizations making claims or bringing suits d Acts errors or omissions or e Benefits included in your employee benefit program. 3. The Aggregate Limit is the most we will pay for the sum of all ultimate net loss because of acts errors or omissions negligently committed in the administration of your employee bene fit program. 4. Subject to the Aggregate Limit the Each Em ployee Limit is the most we will pay for the sum of all ultimate net loss for damages sustained by any one employee including damages sustained by such employee s dependents and beneficiaries as a result of a An act error or omission or b A series of related acts errors or omis sions negligently committed in the administration of your employee benefit program. However the amount paid under this en dorsement shall not exceed and will be subject to the limits and restrictions that apply to the payment of benefits in any plan included in the employee benefit program. The Limits of Insurance of this endorsement apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy pe riod is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. CU 04031207 ISO Properties Inc. 2007 Page 3 of 5 a | 2 |
E. For the purposes of the coverage provided by this endorsement Condition 3. of Section IV Com mercial Liability Umbrella Conditions is re placed by the following 3. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omis sion which may result in a claim. To the extent possible notice should include 1 What the act error or omission was and when it occurred and 2 The names and addresses of anyone who may suffer damages as a result of the act error or omission. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and Assist us upon our request in the en forcement of any right against any per son or organization which may be liable to the insured because of an act error or omission to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense without our consent. 2 4 F. For the purposes of the coverage provided by this endorsement the following Extended Reporting Period provisions are added or if this endorse ment is attached to a claims made Coverage Part replace any similar Section in that Coverage Part. EXTENDED REPORTING PERIOD 1. You will have the right to purchase an Ex tended Reporting Period as described below if a. This endorsement is canceled or not re newed or b. We renew or replace this endorsement with insurance that 1 Has a Retroactive Date later than the date shown in the Schedule of this en dorsement or 2 Does not apply to an act error or omis sion on a claims made basis. 2. The Extended Reporting Period does not ex tend the policy period or change the scope of coverage provided. It applies only to claims for acts errors or omissions that were first committed before the end of the policy period but not before the Retroactive Date if any shown in the Schedule. Once in effect the Ex tended Reporting Period may not be canceled. 3. An Extended Reporting Period of five years is available but only by an endorsement and for an extra charge. You must give us a written request for the en dorsement within 60 days after the end of the policy period. The Extended Reporting Period will not go into effect unless you pay the addi tional premium promptly when due. We will determine the additional premium in accordance with our rules and rates. In doing s0 we may take into account the following a. The employee benefit programs insured b. Previous types and amounts of insurance c. Limits of insurance available under this endorsement for future payment of dam ages and d. Other related factors. Page 4 of 5 ISO Properties Inc. 2007 CU 04031207 o | 2 |
The additional premium will not exceed 100 of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this coverage shall set forth the terms not inconsistent with this Section appli cable to the Extended Reporting Period includ ing a provision to the effect that the insurance afforded for claims first received during such period is excess over any other valid and col lectible insurance available under policies in force after the Extended Reporting Period starts. 4. If the Extended Reporting Period is in effect we will provide an extended reporting period aggregate limit of insurance described below but only for claims first received and recorded during the Extended Reporting Period. The extended reporting period aggregate limit of insurance will be equal to the dollar amount shown in the Schedule of this endorsement under Limits Of Insurance. Paragraph D.3. of this endorsement will be amended accordingly. The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.4. G. For the purposes of the coverage provided by this endorsement the following definitions are added to the D ions Section 1. Administration means a. Providing information to employees in cluding their dependents and beneficiaries with respect to eligibility for or scope of employee benefit programs b. Handling records in connection with the employee benefit program or c. Effecting continuing or terminating any employee s participation in any benefit in cluded in the employee benefit program. However administration does not include handling payroll deductions. 2. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre tax dollars. 3. Claim means any demand or suit made by an employee or an employee s dependents and beneficiaries for damages as the result of an act error or omission. 4. Employee benefit program means a program providing some or all of the following benefits to employees whether provided through a cafeteria plan or otherwise a. Group life insurance group accident or health insurance dental vision and hearing plans and flexible spending accounts pro vided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility requirements b. Profit sharing plans employee savings plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an em ployee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and dis ability benefits d. Vacation plans including buy and sell pro grams leave of absence programs includ ing military maternity family and civil leave tuition assistance plans transporta tion and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorse ment. H. For the purposes of the coverage provided by this endorsement Definitions 6. and 21. in the Def tions Section are replaced by the following 6. Employee means a person actively em ployed formerly employed on leave of ab sence or disabled or retired. Employee in cludes a leased worker. Employee does not include a temporary worker. 21. Suit means a civil proceeding in which dam ages because of an act error or omission to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the in sured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. CU 04031207 ISO Properties Inc. 2007 Page 5 of 5 a | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 21230202 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT Broad Form This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART I. The insurance does not apply A. Under any Liability Coverage to bodily injury or property damage 1 With respect to which an insured under the policy is also an insured under a nuclear energy liability policy issued by Nuclear En ergy Liability Insurance Association Mutual Atomic Energy Liability Underwriters Nu clear Insurance Association of Canada or any of their successors or would be an in sured under any such policy but for its ter mination upon exhaustion of its limit of li ability or Resulting from the hazardous properties of nuclear material and with respect to which a any person or organization is re quired to maintain financial protection pur suant to the Atomic Energy Act of 1954 or any law amendatory thereof or b the in sured is or had this policy not been issued would be 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 organi zation. B. Under any Liability Coverage to bodily injury or property damage resulting from hazard ous properties of nuclear material if 1 The nuclear material a is at any nuclear facility owned by or operated by or on be half of an insured or b has been dis charged or dispersed therefrom 2 2 The nuclear material is contained in spent fuel or waste at any time pos sessed handled used processed stored transported or disposed of by or on behalf of an insured or The bodily injury or property damage arises out of the furnishing by an insured of services materials parts or equipment in connection with the planning construction maintenance operation or use of any nu clear facility but if such facility is located within the United States of America its terri tories or possessions or Canada this Ex clusion 3 applies only to property dam age to such nuclear facility and any property thereat. Il As used in this endorsement Hazardous properties includes radioactive toxic or explosive properties. Nuclear material means source material Spe cial nuclear material or by product material. Source material special nuclear material and by product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. Spent fuel means any fuel element or fuel com ponent solid or liquid which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material a containing by product material other than the tailings or wastes produced by the extraction or concentra tion of uranium or thorium from any ore processed primarily for its source material content and b resulting from the operation by any person or or ganization of any nuclear facility included under the first two paragraphs of the definition of nu clear facility. CU 21230202 ISO Properties Inc. 2001 Page 1 of 2 a | 2 |
Nuclear facility means a b Any nuclear reactor Any equipment or device designed or used for 1 separating the isotopes of uranium or plutonium 2 processing or utilizing spent fuel or 3 handling processing or packag ing waste Any equipment or device used for the proc essing fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of pluto nium or uranium 233 or any combination thereof or more than 250 grams of uranium 235 d Any structure basin excavation premises or place prepared or used for the storage or disposal of waste and includes the site on which any of the forego ing is located all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioac tive contamination of property. Page 2 of 2 ISO Properties Inc. 2001 CU 2123 02 02 a | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 21300115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART A. If aggregate insured losses attributable to terrorist acts certified under the federal Terrorism Risk Insurance Act exceed 100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insurance Act we shall not be liable for the payment of any portion of the amount of such losses that exceeds 100 billion and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CuU 21300115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 21360115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART A. The following exclusion is added This insurance does not apply to TERRORISM PUNITIVE DAMAGES Damages arising directly or indirectly out of a certified act of terrorism that are awarded as punitive damages. B. The following definition is added Certified act of terrorism means an act that is certified by the Secretary of the Treasury in accordance with the provisions of the federal Terrorism Risk Insurance Act to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a certified act of terrorism include the following 1. The act resulted in insured losses in excess of 5 million in the aggregate attributable to all types of insurance subject to the Terrorism Risk Insurance Act and 2. The act is a violent act or an act that is dangerous to human life property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion or the inapplicability or omission of a terrorism exclusion do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. CU 21360115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 21710615 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION UNMANNED AIRCRAFT This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART A. Exclusion 2.j. Aircraft Or Watercraft under This Paragraph j.2 applies even if the Section Coverage A Bodily Injury And claims against any insured allege Property Damage Liability is replaced by the negligence or other wrongdoing in the following supervision hiring employment training 2. Exclusions or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance This insurance does not apply to j. Aircraft Or Watercraft 1 Unmanned Aircraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. Use includes operation and loading or unloading. This Paragraph j.1 applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. Aircraft Other Than Unmanned Aircraft Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft other than unmanned aircraft or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. use or entrustment to others of any aircraft other than unmanned aircraft or watercraft that is owned or operated by or rented or loaned to any insured. This Paragraph j.2 does not apply to a A watercraft while ashore on premises you own or rent b A watercraft you do not own that is i Less than 50 feet long and ii Not being used to carry persons or property for a charge c Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft The extent that valid underlying insurance for the aircraft or watercraft liability risks described in this Paragraph j.2 exists or would have existed but for the exhaustion of underlying limits for bodily injury or property damage. To the extent this exclusion does not apply the insurance provided under this Coverage Part for the aircraft or watercraft risks described in this Paragraph j.2 will follow the same d This Paragraph j.2 applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft other than unmanned aircraft or watercraft that is owned or operated by or rented or loaned to any insured. This Paragraph j.2 does not apply to a A watercraft while ashore on premises you own or rent A watercraft you do not own that is i Less than 50 feet long and ii Not being used to carry persons or property for a charge Liability assumed under any insured contract for the ownership maintenance or use of aircraft or watercraft The extent that valid underlying insurance for the aircraft or watercraft liability risks described in this Paragraph j.2 exists or would have existed but for the exhaustion of underlying limits for bodily injury or property damage. To the extent this exclusion does not apply the insurance provided under this Coverage Part for the aircraft or watercraft risks described in this Paragraph j.2 will follow the same provisions exclusions and limitations that are contained in the applicable underlying insurance unless otherwise directed by this insurance or b c CU 21710615 Insurance Services Office Inc. 2014 Page 1 of 2 | 2 |
e Aircraft that is i Chartered by loaned to or hired by you with a paid crew and iij Not owned by any insured. B. The following exclusion is added to Paragraph 2. Exclusions of Coverage B Personal And Advel g Injury Liability 2. Exclusions This insurance does not apply to Unmanned Aircraft Personal and advertising injury arising out of the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the offense which caused the personal and advertising injury involved the ownership maintenance use or entrustment to others of any aircraft that is an unmanned aircraft. This exclusion does not apply to a. The use of another s advertising idea in your advertisement or b. Infringing upon another s copyright trade dress or slogan in your advertisement. C. The following definition is added to the Definitions section Unmanned aircraft means an aircraft that is not 1. Designed 2. Manufactured or 3. Modified after manufacture to be controlled directly by a person from within or on the aircraft. Page 2 of 2 Insurance Services Office Inc. 2014 CU 21710615 | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 2186 05 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION ACCESS OR DISCLOSURE OF CONFIDENTIAL OR PERSONAL INFORMATION AND DATA RELATED LIABILITY WITH LIMITED BODILY INJURY EXCEPTION This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART A. Exclusion 2.t. of Section Coverage A Bodily As used in this exclusion electronic data Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to t. Access Or Disclosure Of Confidential Or Personal Information And Data related Liability Damages arising out of 1 Any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information or The loss of loss of use of damage to corruption of inability to access or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of that which is described in Paragraph 1 or 2 above. However unless Paragraph 1 above applies this exclusion does not apply to damages because of bodily injury. means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information As used in this exclusion electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. B. The following is added to Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Access Or Disclosure Of Confidential Or Personal Information Personal and advertising injury arising out of any access to or disclosure of any person s or organization s confidential or personal information including patents trade secrets processing methods customer lists financial information credit card information health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs credit monitoring expenses forensic expenses public relations expenses or any other loss cost or expense incurred by you or others arising out of any access to or disclosure of any person s or organization s confidential or personal information. CU 21860514 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA CU 24231207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR PROFESSIONAL SERVICES This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART Exclusion s. under Paragraph 2. Exclusions of Sec tion Coverage A Bodily Injury And Property Damage Liability and Exclusion a.15 under Para graph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability do not apply. Coverage provided will follow the provisions exclu sions and limitations of the underlying insurance unless otherwise directed by this insurance. CU 24231207 ISO Properties Inc. 2007 Page 1 of 1 a | 2 |
POLICY NUMBER POLICY NUMBER COMMERCIAL LIABILITY UMBRELLA CU 24360918 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT OF INSURANCE This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART SCHEDULE Products Completed Operations Aggregate Limit Of Insurance Information required to complete this Schedule if not shown above will be shown in the Declarations. Section Ill Limits Of Insurance is replaced by the following 1. The Limits Of Insurance shown in the Declarations and the Schedule of this endorsement and the following rules fix the most we will pay regardless of the number of a. Insureds b. Claims made suits brought or number of vehicles involved or c. Persons or organizations making claims or bringing suits. 2. The Aggregate Limit is the most we will pay for the sum of all ultimate net loss under a. Coverage A except ultimate net loss because of bodily injury or property damage 1 Arising out of the ownership maintenance or use of a covered auto or 2 Included in the products completed operations hazard and b. Coverage B. 3. The Products Completed Operations Aggregate Limit shown in the Schedule of this endorsement is the most we will pay for the sum of all ultimate net loss under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of all ultimate net loss under Coverage A because of all bodily injury and property damage arising out of any one occurrence. 5. Subject to Paragraph 2. above the Personal and Advertising Injury Limit is the most we will pay under Coverage B for the sum of all ultimate net loss because of all personal and advertising injury sustained by any one person or organization. 6. If there is underlying insurance with a policy period that is nonconcurrent with the policy period of this Commercial Liability Umbrella Coverage Part the retained limits will only be reduced or exhausted by payments for a. Bodily injury or property damage which occurs during the policy period of this Coverage Part or b. Personal and advertising injury for offenses that are committed during the policy period of this Coverage Part. The Aggregate Limits as described in Paragraphs 2. and 3. above apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. CU24360918 Insurance Services Office Inc. 2017 Page 1 of 1 | 2 |
COMMERCIAL UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AGGREGATE LIMITS OF INSURANCE AMENDMENT PER PROJECT AGGREGATE FOR PREMISES OPERATIONS LIABILITY This endorsement modifies insurance coverage provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM Item 2 under Section Ill Limit of Insurance is amended as follows by adding C. As respects Excess Commercial General Liability Coverage other than excess Products Completed Operations Hazard Coverage the aggregate limit shall apply separately to each of your projects away from premises owned by or rented to you. CU72708 06 Page 1 0f 1 | 2 |
COMMERCIAL UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM The policy does not apply to bodily injury personal and advertising injury or property damage including any associated clean up obligations arising out of the installation existence removal or disposal of asbestos or any substance containing asbestos fibers. CU72728 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1 of 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL UMBRELLA AMENDMENT OF COVERAGE COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM The following paragraph is added to Section Coverages Coverage A Bodily Injury And Property Damage Liability 2. Exclusions Paragraph i. Pollution This exception does not apply 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 except when the underlying insurance for the pollution liability risks arises from a Business Auto Coverage Form or a Motor Carrier Coverage Form. Exclusion j. Aircraft or Watercraft under Section Coverages Coverage A Bodily Injury And Property Damage Liability 2. Exclusions is replaced by the following Bodily injury or property damage arising out of the ownership maintenance use entrustment to others or contractual agreement involving the use of any aircraft or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use entrustment to others or contractual agreement involving the use of any aircraft or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1. A watercraft while ashore on premises you own or rent 2. A watercraft you do not own that is a Less than 51 feet long and b Not being used to carry persons or property for a charge 3. Liability assumed under any insured contract for the ownership maintenance or use of watercraft 4. The extent that valid underlying insurance for the watercraft liability risks described above exists or would have existed but for the exhaustion of underlying insurance for bodily injury or property damage. This endorsement modifies insurance provided under the following To the extent this exclusion does not apply the insurance provided under this Coverage Form for the watercraft risks described above will follow the same provisions exclusions and limitations that are contained in the underlying insurance unless otherwise directed by this insurance. Fellow Employee Section Il Who i adding the following Paragraph 1. b.1ai and iii and Paragraph 2. b.6 do not apply if valid coverage for injury to co employees andor volunteer workers is listed in the underlying insurance. The following paragraphs are added to Section 1l Limit of Insurance 6. The aggregate limit is the most we will pay for the sum of all ultimate net loss due to covered professional services. 7. Subject to Paragraph 6. above the each occurrence limit is the most we will pay for the sum of all ultimate net loss due to covered professional services arising out of any one occurrence. Duties in the Event of Occurrence Offense Claim or Suit. Paragraph 3.a. of the Duties in The Event Of Occurrence Offense Claim Or Suit Condition Section IV Conditions is replaced by the following 3. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense regardless of the amount which may result in a claim. If you notify and underlying insurer of an occurrence or an offense involving bodily injury or personal and advertising injury you must see to it that we are also notified in writing as soon as practicable. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and an Insured is amended by CU72767 16 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 2 | 2 |
F. Cond 3 The nature and location of any injury or damage arising out of the occurrence or offense. n 5. Other Insurance of Section IV Conditions is replaced by the following 5. Other Insurance G. Cond This insurance is excess over and shall not contribute with 1 any other valid and collectible insurance 2 seffinsurance or 3 deductible amounts whether such other insurance self insurance or deductible is stated to be primary contributing excess contingent or otherwise. This condition does not apply to a policy bought specifically to apply in excess of this insurance. We will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we have the right but not the duty to undertake to do so but we will be entitled to the insured s rights against all those other insurers. n 6. Premium Audit of Section IV Conditions is replaced by the following 6. Premium Audit We will compute all premiums for this coverage part in accordance with our rules and rates. Your premium may be flat or adjustable subject to audit. The Declarations page will show which applies. If your premium is flat no additional premium is normally collected during the policy period unless there is a substantial change in type andor scope of your operations. If there is a substantial change in your operations and if there is an additional charge for your underlying insurance we have the right to charge an additional premium also. If your premium is adjustable we charge you the total advance premium as shown on the policy Declarations and then at the end of the policy period we review your records and determine final premium based upon the predetermined rate and exposure basis shown in the Declarations. Regardless of whether your premium is flat or adjustable the premium amount shown in the Declarations as the minimum will be the least amount that will be charged for this policy unless the policy is cancelled. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. H. The following definitions under Section V Definitions are replaced by the following 19. Retained Limit means the available limits of all 24. 25. underlying insurance and the self insured retention whichever applies. Underlying Insurance includes a. any policies of insurance listed in the declarations under the Schedule of underlying insurance and b. any other insurance available to the insured whether primary excess excess umbrella umbrella or contingent and irrespective of whether the insured elects to call upon such insurance to respond but only when such other insurance provides the same type of coverage provided in the policies listed in the Schedule of underlying insurance. Underlying insurance does not include any policy which was purchased specifically to apply in excess of the limits of liability that apply under this policy. Underlying Insurer means any insurer which provides any policy of insurance falling within the definition of underlying insurance. CU72767 16 Includes copyrighted material of ISO Properties Inc. with its permission. Page 2 0of 2 | 2 |
COMMERCIAL UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FOREIGN EXPOSURE FOLLOWING FORM This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM This policy does not apply to bodily injury property damage or personal and advertising injury arising out of any on going operations or bodily injury or property damage included within the products completed operations hazard outside of the United States of America including its territories and possessions Canada and Puerto Rico unless coverage is provided by underlying insurance. Coverage provided by this insurance will not be broader than the coverage provided by the underlying insurance. CU72938 06 Page 1 of 1 | 2 |
COMMERCIAL UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. UMBRELLA LIABILITY AMENDMENT FOLLOWING FORM This endorsmenet modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM This endorsement does not apply to liability arising out of the following unless coverage is provided by underlying insurance. Coverage provided by this endorsement will not be broader than such underlying insurance. A. NEWLY ACQUIRED INTERESTS In paragraph 1.c.1 of SECTION Il WHO IS AN INSURED 90th day is changed to 180th day.. DUTIES IN THE EVENT OF OCCURRENCE CLAIM OR SUIT Paragraph 3. of SECTION IV CONDITIONS is amended by the following provision 1. The requirement in Condition 3.a. that you must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim applies only when the occurrence or offense is known to a. You if you are an individual or a limited liability company b. Apartner if you are a partnership c. A manager if you are a limited liability company d. An executive officer or insurance manager if you are a corporation or e. Atrustee if you are a trust. 2. The requirement in Condition 3.b. that you must see to it that we receive notice of a claim or suit as soon as practicable will not be considered breached unless the breach occurs after such claim or suit is known to a. You if you are an individual or a limited liability company b. A partner if you are a partnership c. A manager if you are a limited liability company d. An executive officer or insurance manager if you are a corporation or e. Atrustee if you are a trust. C. UNINTENTIONAL FAILURE TO DISCLOSE EXPOSURES Paragraph 7. REPRESENTATIONS OR FRAUD OF SECTION IV CONDITIONS is replaced as follows 7. REPRESENTATIONS OR FRAUD By accepting this policy you agree a. The statements in the Application are accurate and complete b. The information in underlying insurance is accurate and complete c. Those statements are based upon representations you made to us and d. We have issued this policy in reliance upon your representations. e. This policy may be voided in case of fraud or material misrepresentation by you. If you unintentionally fail to disclose any exposures existing at the inception date of your policy we will not deny coverage under this Coverage Part solely because of such failure to disclose. However this provision does not affect our right to collect additional premium or exercise our right of cancellation or non renewal. This provision does not apply to any known injury or damage which is excluded under any other provision of this policy. CU7404.110 08 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10of 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS OCCURRENCE DEFINITION This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART For the purposes of the coverage provided by this endorsement Section V DEFINITIONS Paragraph 13. is amended to read Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions and also means accidental property damage but does not include faulty workmanship which is the defective condition of an insured s or subcontractor s work without a change or alteration in your work. CUT43811 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10of 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET WAIVER OF SUBROGATION WHEN REQUIRED IN A WRITTEN CONTRACT OR AGREEMENT This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE FORM The Transfer of Rights Of Recovery Against Others To Us Condition under Section IV Conditions is amended by the addition of the following We waive any right of recovery we may have against any person or organization against whom you have agreed to waive such right of recovery in a written contract or agreement because of payments we make for injury or damage arising out of your ongoing operations or your work done under a contract with the person or organization and included in the products completed operations hazard. CUT46012 15 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION AUTOMATIC STATUS WHEN REQUIRED IN A WRITTEN CONTRACT This endorsement modifies insurance provided under the following COMMERCIAL LIABILITY UMBRELLA COVERAGE PART The following is added to Section Ill Limits of Insurance We will not pay more on behalf of the additional insured than the lesser of 1. The Limits of Insurance required in a written contract on a non contributory basis for such additional insured but only to the extent the required Limits of Insurance are in excess of the underlying insurance or 2. The Limits of Insurance available after the payment of ultimate net loss on any insured s behalf from any claim or suit. This provision is included within and does not act to increase the Limit of Insurance stated in the Declarations. Coverage will not be broader than the coverage provided by the underlying insurance listed in the Schedule of Underlying Coverages.. Paragraph 5. of Section IV Conditions is replaced by the following 5. Other Insurance a. This insurance is excess over and shall not contribute with any of the other insurance whether primary excess contingent or on any other basis. However 1 This condition will not apply to other insurance specifically written as excess over this Coverage Part. 2 The insurance provided under this Coverage Part is primary to and will not seek contribution from any other insurance available to an additional insured provided that a The additional insured is a Named Insured under such other insurance b You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. b. When this insurance is excess over other insurance we will pay only our share of the ultimate net loss that exceeds the sum of 1 The total amount that all such other insurance would pay for the loss in the absence of the insurance provided under this Coverage Part and 2 The total of all deductible and self insured amounts under all that other insurance. a The additional insured is a Named Insured under such other insurance b You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitled to the insured s rights against all those other insurers. b. When this insurance is excess over other insurance we will pay only our share of the ultimate net loss that exceeds the sum of 1 The total amount that all such other insurance would pay for the loss in the absence of the insurance provided under this Coverage Part and The total of all deductible and self insured amounts under all that other insurance. 2 CUT4681 17 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
COMMERCIAL LIABILITY UMBRELLA 2017 COMMERCIAL LIABILITY UMBRELLA MULTISTATE FORMS REVISION ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form part of your policy. No coverage is provided by this Notice nor can it be construed to replace any provision of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. If there is any conflict between the Policy and this Notice THE PROVISIONS OF THE POLICY SHALL PREVAIL. Carefully read your policy including the endorsements attached to your policy. This Notice provides information concerning the following multistate endorsements which applies to your renewal policy being issued by us. The endorsements may broaden reduce or reinforce coverage under a policy to which they are endorsed and contain other changes as described below. REDUCTIONS OF COVERAGE NEW OPTIONAL ENDORSEMENTS CU2161 Auto Dealers Exclusion Designated Products This endorsement in general excludes coverage with respect to bodily injury and property damage that are both sustained away from your auto dealer locations and arising out of the designated products shown in the endorsement Schedule. CU2164 Auto Dealers Exclusion Designated Work In general this endorsement excludes coverage with respect to bodily injury and property damage that are both sustained away from your auto dealer locations and arising out of the designated work you performed which is shown in the endorsement Schedule. CU2166 Auto Dealers Exclusion Your Products And Your Work This endorsement generally excludes coverage with respect to bodily injury and property damage that are both sustained away from your auto dealer locations and arising out of your products or work you performed. CU2401 Waiver Of Transfer Of Rights Of Recovery Against Others To Us Waiver Of Subrogation When this endorsement is attached to your policy the Transfer Of Rights Of Recovery Against Others To Us Condition is amended to provide that such condition does not apply to the person or organization shown in the Schedule but only to the extent that subrogation is waived prior to the accident or the loss under a contract with that person or organization. CU3405 Exclusion Of Federal Employees Using Autos In Government Business This endorsement generally excludes coverage for the United States of America any of its agencies or any U.S. Government employee for bodily injury or property damage resulting from the operation of an auto that results while the employee is acting within the scope of duty and when Section 2679c of the Federal Tort Claims Act requires the U.S. Attorney General to defend the employee in any civil action or proceeding that may be brought for bodily injury or property damage. CU3406 Amphibious Vehicles This endorsement excludes loss to or resulting from the ownership maintenance or use of any type of amphibious vehicle whether or not self propelled. This includes loss to any property or equipment contained in or used with any such vehicle while being launched into used in or beached from the water. CU83239 18 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f3 | 2 |
REINFORCEMENTS OF COVERAGE EXISTING OPTIONAL ENDORSEMENTS CU2225 Emergency Vehicles Volunteer Firefighters And Workers Injuries Excluded Newly titled Emergency Services Volunteer Firefighters And Workers Injuries Excluded CU2226 Emergency Vehicles Fellow Volunteer Firefighters And Workers Injuries Exclusion Buyback Newly titled Emergency Services Volunteer Firefighters And Workers Injuries Limited Exclusion CU2226 is revised to directly modify the Commercial Liability Umbrella Coverage Part instead of Endorsement CU2225. As a result the exclusion currently contained in CU2225 has been introduced in Endorsement CU2226. Also either CU2225 or CU2226 can be attached to the Policy but not both. In addition the auto specific lead in language was removed to reinforce that the exclusion applies to all bodily injury under Coverage A of the Commercial Liability Umbrella Coverage Part. The revision in general reinforces that coverage for fellow firefighters and other volunteer workers is not excluded. We also deleted both using or maintaining a covered auto to reinforce that bodily injury coverage is only excluded while engaged in volunteer firefighting rescue squad or ambulance corps operations and of the insured to reinforce that the exclusion applies to all emergency services activities in which a volunteer worker is involved regardless whether acting on behalf of the insured. CU2237 Motor Carrier Endorsement These endorsements generally revise the Who Is An Insured Provision to reinforce that consequential injury claims for damages brought by family members of your employees injured by fellow employees are not covered. CU2239 Driving Schools Newly titled Driving Schools Non owned Autos This endorsement is revised to include Non owned Autos in the title and to reformat the table in the Schedule to include a new column for number of owned autos used for driver training. CU2436 Products completed Operations Aggregate Limit Of Insurance This endorsement is revised to add non concurrent wording with respect to the policy period for consistency with the Commercial Liability Umbrella Coverage Form. CU2416 Broad Form Products Coverage Newly titled Auto Dealers Broad Form Products Coverage A lead in has been revised in CU2416 to provide that the provisions of the endorsement apply when the underlying insurance is an Auto Dealers Coverage Form. In addition this form has been revised where appropriate to add references to Auto Dealers or Auto Dealers Coverage Form andor delete references to Garage or Garage Coverage Form. CU2235 Truckers Insurance For Non trucking Use newly titled Motor Carriers Insurance For Non trucking Use CU2238 Truckers Named Lessee As Insured Notice Of Cancellation Newly titled Motor Carriers Named Lessee As Insured Notice Of Cancellation The titles of these endorsements have been revised to replace the reference to Truckers with reference to Motor Carriers. CU7426 CU7426.1 CU7426.2 CU7426.3 CU7426.4 CU7426.5 CU7426.6 CU7426.7 Dealers Endorsement These endorsements generally revise A. Section Bodily Injury And Property Damage Liability to delete the Damage to Property exclusion since the Damage To Property exclusion in the underlying Auto Dealers Coverage Form is similar to the Damage To Property exclusion in the Commercial Liability Umbrella Coverage Form. In addition the reference to garage operations is deleted from the Who Is An Insured Provision. B. Section lll Definitions to revise the definition of insured contract and your product to correspond with the applicable definitions is the underlying Auto Dealers Coverage Form. In addition the last paragraph of the property damage definition has been revised to track similar language in the Commercial Liability Umbrella Form. NEW OPTIONAL ENDORSEMENTS CU7480 Dealers Acts Errors or Omissions Exclusion This endorsement clarifies that there is no coverage under the Commercial Umbrella for damages arising out of an insured Auto Dealer Operations Acts Errors or Omissions. CU83239 18 Includes copyrighted material of ISO Properties Inc. with its permission. Page 20f 3 | 2 |
OTHER CHANGES EXISTING OPTIONAL ENDORSEMENTS The following endorsements have been editorially revised CU2229 Leasing Or Rental Concerns Schedule Of Limits For Owned Autos CU2235 Truckers Insurance For Non trucking Use Newly titled Motor Carriers Insurance For Non trucking Use CU2236 Truckers Uniform Intermodal Interchange Endorsement Form UIIE 1 CU2237 Motor Carrier Endorsement CU2238 Truckers Named Lessee As Insured Notice Of Cancellation Newly tited Motor Carriers Named Lessee As Insured Notice Of Cancellation CU2239 Driving Schools Newly titled Drive Schools Non owned Autos CU2415 Fellow Employee Auto Coverage For Designated Employees Positions CU2416 Broad Form Products Coverage Newly titled Auto Dealers Broad Form Products Coverage CU2418 Repossessed Autos CU2419 Lessor Additional Insured And Loss Payee CU83239 18 Includes copyrighted material of ISO Properties Inc. with its permission. Page 30f 3 | 2 |
COMMERCIAL INTERLINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NOTICE OF CANCELLATION PROVIDED BY US TO PERSONS OR ORGANIZATIONS WITH WHOM YOU HAVE AGREED IN A WRITTEN CONTRACT OR AGREEMENT This policy is subject to the following additional Conditions If we cancel this policy by notice to the first Named Insured for any statutorily permitted reason other than for non payment of premium notice of such cancellation will be provided at least thirty 30 days in advance of the cancellation effective date to any persons or organizations with whom you have agreed in a written contract or agreement to provide such persons or organizations with a notice of cancellation but only if 1. You have provided the name and address of such persons or organizations to your authorized agent and 2. Your authorized agent provides us with that list within three 3 business days from the date we request it from them. If notice is mailed proof of mailing to the last known mailing address of such persons or organizations will be sufficient proof of notice. Failure to provide such notice to such persons or organizations will not amend or extend the date the cancellation becomes effective nor will it negate cancellation of the policy. Failure to send notice shall impose no liability of any kind upon us our agents or our representatives. IL74475 15 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
Umbrella Liability Business Insurance Policy THE HARTFORD Form XL 00 07 03 14 Page 1 of 1 | 2 |
UMBRELLA LIABILITY POLICY QUICK REFERENCE READ YOUR POLICY CAREFULLY This quick reference page has been designed to help you find easily the information you are looking for. In the DECLARATIONS PAGE you will find specifics of your policy including Your Name and Address Policy Period Limits of Insurance Premium Form Numbers of Endorsements that apply. In the form titled UMBRELLA LIABILITY POLICY POLICY PROVISIONS you will find under SECTION I Explanation of INSURING AGREEMENTS AND EXCLUSIONS Il Provisions for INVESTIGATION DEFENSE SETTLEMENT Il Explanation of WHO IS AN INSURED IV Explanation of LIMITS OF INSURANCE V NUCLEAR ENERGY LIABILITY EXCLUSION VI Policy CONDITIONS VIl DEFINITIONS of certain policy terms In Section VI you will find a number of conditions that apply to this policy. They are Premium Inspection and Audit I. Changes J. Separation of Insureds Duties in the Event of Occurrence Claim or Suit K. Maintenance of Underlying Insurance Assistance and Cooperation of the Insured L. Cancellation Legal Action Against Us M. Non Renewal Appeals N. Workers Compensation Agreement Other Insurance O. Bankruptcy or Insolvency Transfer of Rights of Recovery Against Others P. Representations to Us IemMmoows In Witness Whereof our President and a Secretary have signed this policy. Where required by law the Declarations page has been countersigned by our duly authorized representative. ch KevinBarnett Secretary Poglo Wt Douglas Elliot President Form XL 70 00 12 06 | 2 |
Tue g HARTFORD UMBRELLA LIABILITY POLICY DECLARATIONS INSURER HARTFORD CASUALTY INSURANCE COMPANY ONE HARTFORD PLAZA HARTFORD CT 06155 POLICY NUMBER 37 RHU 2G7404 X3 RENEWAL OF 37 RHU 2G7404 Items 1. Named Insured and Mailing Address KEY INDUSTRIES INC SEE IH1204 400 MARBLE RD FORT SCOTT KS 66701. Policy Period From 070121 To 1201 A.M. Standard Time at mailing address shown above.. Agent Broker Name LOCKTON COMPANIES LLC. Audit Period NOT SUBJECT TO AUDIT ADVANCE PREMIUM RATE. Premium 4895.00 070122 PER PREMIUM BASIS RATE PER 5. Premium 6. Self Insured Retention 10000 each occurrence 7. Limits of Insurance The Limits of Insurance subject to all of the terms of this policy are General Aggregate Limit Other than Products Completed Operations Bodily Injury By Disease and Automobile Products Completed Operations Aggregate Limit Bodily Injury By Disease Aggregate Limit Each Occurrence Limit 8. Underlying Insurance Policies See attached Schedule 9. This policy consists of a This Declarations The Schedule of Underlying Insurance Policies X00050502 The Policy Provisions L00030605 The Policy Cover XL00070314 Any Endorsements shown below. Endorsements forming part of this policy when issued XL70001206 HM99011185 IH09850115 IH12040312 IH99400409 IH99410409 X1.02110487 XL04151088 XL00240914 XL23251210 XL23300115 XL23640616 XL23760317 XL24011217 XL24601209 5000000 5000000 5000000 5000000. Swonrn Laothneata Countersigned by Where required by law Authorized Representative 070121 Date Form XL 00 01 01 07 | 2 |
SCHEDULE OF UNDERLYING INSURANCE POLICIES POLICY NUMBER 37 RHU 2G7404 This schedule forms a part of the policy designated herein. Named Insured and Mailing Address KEY INDUSTRIES INC SEE IH1204 400 MARBLE RD FORT SCOTT KS 66701 Insurer Policy Number and Period Type of Coverage A TWIN CITY FIRE INSURANCE COMPANY 37 WE CE5858 070121 TO 070122 Employers Liability Applicable Limits Employers Liability Bodily Injury Limit 1000000 1000000 1000000 Each accident by accident Policy limit by disease Each employee by disease B TRUMBULL INSURANCE COMPANY 37 UUN ZG7498 070121 TO 070122 Commercial Auto Liability written to include all owned non owned and hired autos except as listed below Single Liability Limit 1000000 Split Liability Limits Each accident Bodily injury each person Bodily injury each accident Property damage each accident HARTFORD CASUALTY INSURANCE COMPANY 37 UUN 2G7498 070121 TO 070122 Commercial Ge Commercial General Liability 1000000 written to include all coverages of CG0001 or HG0001 except as 1000000 listed below 2000000 Each occurrence limit Personal and advertising injury limit General aggregate limit other than products completed operations Products completed operations aggregate limit 2000000 Form XL 00 05 05 02 PAGE 1 CONTINUED ON NEXT PAGE | 2 |
SCHEDULE OF UNDERLYING INSURANCE POLICIES Continued POLICY NUMBER 37 RHU zG7404 Insurer Policy Number and Period Type of Coverage D Other Specify HARTFORD FIRE INSURANCE COMPANY 37 HIP VT7847 070121 TO 070122 Applicable Limits 1000000 1000000 1000000 EACH ACCIDENT BY ACCIDENT POLICY LIMIT BY DISEASE EACH EMPLOYEE BY DISEASE INTERNATIONAL EMPLOYERS LIABILTY D HARTFORD CASUALTY INSURANCE COMPANY 37 UUN 2G7498 070121 TO 070122 OTHER SPECIFY EMPLOYEE BENEFITS LIABILITY 1000000 EACH CLAIM LIMIT 2000000 AGGREGATE LIMIT D HARTFORD FIRE INSURANCE COMPANY 37 HIP VT7847 070121 TO 070122 OTHER SPECIFY INTERNATIONAL GENERAL LIABILITY 1000000 2000000 1000000 EACH OCCURRENCE LIMIT PRODUCTSCOMPLETED OPERATIONS AGGREGATE LIMIT PERSONAL AND ADVERTISING INJURY LIMIT D HARTFORD FIRE INSURANCE COMPANY 37 HIP VT7847 070121 TO 070122 OTHER SPECIFY INTERNATIONAL AUTO LIABILITY 1000000 EACH ACCIDENT Note Maintenance of Underlying Insurance Condition Except that in any jurisdiction where the amount of Employers Liability Coverage afforded by the underlying insurer is by law unlimited the limit stated does not apply and the policy of which this schedule forms a part shall afford no insurance with respect to Employers Liability in such jurisdiction. PAGE 2 CONTINUED ON NEXT PAGE Form XL 00 05 05 02 | 2 |
SCHEDULE OF UNDERLYING INSURANCE POLICIES Continued POLICY NUMBER 37 RHU 2G7404 Insurer Policy Number and Period Type of Coverage D HARTFORD FIRE INSURANCE COMPANY 37 HIP VT7847 070121 TO 070122 OTHER SPECIFY FOREIGN EMPLOYEE BENEFITS LIABILITY Applicable Limits 1000000 EACH CLAIM LIMIT 1000000 AGGREGATE LIMIT PAGE 3 Form XL 00 05 05 02 | 2 |
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