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MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY PRIOR POLICY 5D3 49 24 GENERAL LIABILTITY DECLARATIONS POLICY PERIOD FROM 090121 TO 090122 POLICY NUMBER 5D3 49 2 4 22 P NAMED INSURED PRODUCER WESTSIDE COMMUNITY SCHOOLS LOCKTON COMPANIES LLC FOUNDATION INC. 13710 FNB PKWY STE 400 909 s 76TH ST OMAHA NE 68154 5298 OMAHA NE 68114 4519 AGENT AB 8210 AGENCY BILL AGENT PHONE 402970 6100 CLAIM REPORTING 888362 2255 SERVICING CARRIER 402951 8300 INSURED IS FOUNDATION BUSINESS DESC FOUNDATION EACH OCCURRENCE LIMIT 1000000 DAMAGE TO PREMISES RENTED TO YOU LIMIT 500000 ANY ONE PREMISES MEDICAL EXPENSE LIMIT 10000 ANY ONE PERSON PERSONAL AND ADVERTISING INJURY LIMIT 1000000 ANY ONE PERSON OR ORGANIZATION GENERAL AGGREGATE LIMIT 2000000 PRODUCTS COMPLETED OPERATIONS AGGREGATE LIMIT 2000000 COVERAGES PROVIDETD OTHER THAN PRODUCTS COMPLETED OPERATIONS TOTAL ESTIMATED POLICY PREMIUM SEE ATTACHED SCHEDULE FOR LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED. FORMS APPLICABLE CG00010413 CG21671204 CG21060514 CG21160413 CG21471207 CG21700115 CG21760115 CG22400196 CG22671093 CG22680997 CG22711219 CG7T001A1012 CG70031013 CG71050714 CG71310106 CG71400714 CG71440899 CG71771001 CG71831001 CG71931013 CG74281198 CG75511019 CG76260309 CG76440209 CG76990121 CG82541220 ILO0171198 IL00210502 IL70040320 IL70280515 IL7131A0401 IL8383.2A1220 IL8384A0108 IL85761017 110259 1217 118021 0488 AUDIT PERIOD ANNUAL DATE OF ISSUE 071521 BPP FORM CG7000A ED. 08 99 BPP 090121 016 TB 5D34924 2201 GENERAL LIABILTITY D E POLICY PERIOD FROM 090121 TO 090122 FOUNDATION INC. 13710 FNB PKWY STE 400 909 s 76TH ST OMAHA NE 68154 5298 OMAHA NE 68114 4519 AGENT AB 8210 AGENCY BILL AGENT PHONE 402970 6100 CLAIM REPORTING 888362 2255 AGENCY BILL EACH OCCURRENCE LIMIT DAMAGE TO PREMISES RENTED TO YOU LIMIT MEDICAL EXPENSE LIMIT PERSONAL AND ADVERTISING INJURY LIMIT GENERAL AGGREGATE LIMIT 1000 00 500 00 10 00 1000 00 6137.00 TOTAL ESTIMATED POLICY PREMIUM | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5D3 49 24 22 WESTSIDE COMMUNITY SCHOOLS EFF DATE 090121 EXP DATE 090122 GENERATL L Cc ENDORSEMENT SCHEDULE EDITION FORM DATE DESCRIPTION ADDITIONAL INFORMATION PREMIUM CG0001 04 13 COMMERCIAL GEN LIABILITY COV FORM CG2106 05 14 EXCL ACCESS DISCL OF CONFID PERSONAL CG2116 04 13 EXCL DESIGNATED PROFESSIONAL SERVICE DESC OF PROFESSIONAL SERVICES ANY AND ALL PROFESSIONAL SERVICES EXCEPT AS PROVIDED BY NURSES HEALTH AIDES PSYCHOLOGIST PSYCHIATRISTS SPEECH HEARING AND VISION CLINICIANS AUDIOLOGIST OCCUPATIONAL PHYSICAL THERAPISTS CONSULTANTS SOCIAL WORKERS AND INSTRUCTIONAL TEACHERS WHILE EMPLOYED BY YOU BUT ONLY FOR ACTS WITHIN THE SCOPE OF THEIR EMPLOYMENT BY YOU. CG2147 12 07 EXCL EMPLOYMENT RELATED PRACTICES CG2167 12 04 FUNGI OR BACTERIA EXCLUSION CG2170 01 15 CAP LOSSES FROM CERT ACTS TERRORISM CG2176 01 15 EXCL PUNITIVE DMGS ACTS OF TERRORISM CG2240 01 96 EXCL MED PAYMENTS DAY CARE CENTERS CG2267 10 93 CORPORAL PUNISHMENT CG2268 09 97 OPER OF CUST AUTOS PARTCLR PREMISES CG2271 12 19 COLLEGES SCHOOLS LIMITED FORM CG7001A 10 12 GENERAL LIABILITY SCHEDULE CG7003 10 13 GL QUICK REFERENCE OCCURRENCE CG7105 07 14 EXT OF THE DEFINITION OF INSURED CG7131 01 06 EXCLUSION DESIGNATED OPERATION CG7140 07 14 INJ TO CO EMPL OR O VOLUNTEER WKRS NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. ALL EMPLOYEES CG7144 08 99 POLLUTION EXCLUSION AMENDMENT CG7177 10 01 POLITICAL SUBDIVISION TORT CLAIMS NE CG7183 10 01 EXTENSION OF PER ADV INJ LIAB CG7193 10 13 AI OWN LESS CONTR INCL COMP OPS NAME WESTSIDE COMMUNITY SCHOOLS DISTRICT NO. 66 CG7428 11 98 AMEND AGGREGATE LIMIT PER LOCATION CG7551 10 19 ABUSE OR MOLESTATION LIABILITY CG7626 03 09 EMPLOYEE BENEFITS LIABILITY COVERAGE EACH EMPLOYEE 1000000 AGGREGATE 2000000 DEDUCTIBLE EACH EMPLOYEE 1000 NONE CG7644 02 09 CONTRACTORS OCCURRENCE DEFINITION CG7699 01 21 GENERAL LIAB ELITE EXT SCHOOL DATE OF ISSUE 071521 CONTINUED FORM IL7131A ED. 04 01 016 TB 5D34924 2201 EDITION CG2147 CG2167 CG2170 CG2176 CG2240 CG2267 CG2268 CG2271 CG7001A CG7003 CG7105 CG7131 CG7140 CG7144 CG7177 CG7183 CG7193 CG7428 CG7551 CG7626 CG7644 CG7699 12 07 12 04 01 15 01 15 01 96 10 93 09 97 12 19 10 12 10 13 07 14 01 06 07 14 08 99 10 01 10 01 10 13 11 98 10 19 03 09 02 09 01 21 EXCL ACCESS DISCL OF CONFID PERSONAL EXCL DESIGNATED PROFESSIONAL SERVICE DESC OF PROFESSIONAL SERVICES ANY AND ALL PROFESSIONAL SERVICES EXCEPT AS PROVIDED BY NURSES HEALTH AIDES PSYCHOLOGIST PSYCHIATRISTS SPEECH HEARING AND VISION CLINICIANS AUDIOLOGIST OCCUPATIONAL PHYSICAL THERAPISTS CONSULTANTS SOCIAL WORKERS AND INSTRUCTIONAL TEACHERS WHILE EMPLOYED BY YOU BUT ONLY FOR ACTS WITHIN THE SCOPE OF THEIR EMPLOYMENT BY YOU. EXCL EMPLOYMENT RELATED PRACTICES FUNGI OR BACTERIA EXCLUSION CAP LOSSES FROM CERT ACTS TERRORISM EXCL PUNITIVE DMGS ACTS OF TERRORISM EXCL MED PAYMENTS DAY CARE CENTERS CORPORAL PUNISHMENT OPER OF CUST AUTOS PARTCLR PREMISES COLLEGES SCHOOLS LIMITED FORM GENERAL LIABILITY SCHEDULE GL QUICK REFERENCE OCCURRENCE EXT OF THE DEFINITION OF INSURED EXCLUSION DESIGNATED OPERATION INJ TO CO EMPL OR O VOLUNTEER WKRS NAME CONCESSIONAIRES JOB TITLES POLITICAL ENTITY ASSOC. OR ORG.ETC. ALL EMPLOYEES POLLUTION EXCLUSION AMENDMENT POLITICAL SUBDIVISION TORT CLAIMS NE EXTENSION OF PER ADV INJ LIAB AI OWN LESS CONTR INCL COMP OPS NAME WESTSIDE COMMUNITY SCHOOLS DISTRICT NO. 66 AMEND AGGREGATE LIMIT PER LOCATION ABUSE OR MOLESTATION LIABILITY EMPLOYEE BENEFITS LIABILITY COVERAGE EACH EMPLOYEE 1000000 AGGREGATE 2000000 DEDUCTIBLE EACH EMPLOYEE 1000 NONE CONTRACTORS OCCURRENCE DEFINITION GENERAL LIAB ELITE EXT SCHOOL | 2 |
MNEMC INSURANCE PAGE NO 2 EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5D3 49 24 22 WESTSIDE COMMUNITY SCHOOLS EFF DATE 090121 EXP DATE 090122 GENERATL L Cc ENDORSEMENT SCHEDULE EDITION FORM DATE DESCRIPTION ADDITIONAL INFORMATION PREMIUM CG8254 12 20 ADVISORY NOTICE TO POLICYHOLDERS IL0017 11 98 COMMON POLICY CONDITIONS IL0021 05 02 NUCLEAR ENERGY LIAB EXCL BROAD FORM IL0259 12 17 NE CHANGES CANCELLATION NONRENEWAL IL7004 03 20 MUTUAL POLICY PROVISIONS IL7028 05 15 ASBESTOS EXCLUSION IL7131A 04 01 COMML POLICY ENDORSEMENT SCHEDULE IL8021 04 88 ASBESTOS NOTICE IL8383.2A 12 20 DISCL PURSUANT TERRSM RISK INS. ACT 49 IL8384A 01 08 TERRORISM NOTICE IL8576 10 17 MEDICARE IMPT NOTICE TO POLICYHOLDER DATE OF ISSUE 071521 FORM IL7131A ED. 04 01 016 TB 5D34924 2201 EDITION IL8383.2A IL8384A IL8576 COMMON POLICY CONDITIONS NUCLEAR ENERGY LIAB EXCL BROAD FORM NE CHANGES CANCELLATION NONRENEWAL MUTUAL POLICY PROVISIONS ASBESTOS EXCLUSION COMML POLICY ENDORSEMENT SCHEDULE ASBESTOS NOTICE DISCL PURSUANT TERRSM RISK INS. ACT TERRORISM NOTICE MEDICARE IMPT NOTICE TO POLICYHOLDER 4 | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NUMBER 5D3 49 24 22 WESTSIDE COMMUNITY SCHOOLS EFF DATE 090121 EXP DATE 090122 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 071521 FORM IL8384A 01 08 016 TB 5D34924 2201 WESTSIDE COMMUNITY SCHOOLS EFF DATE 090121 EXP DATE 0901 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 5D3 49 24 22 WESTSIDE COMMUNITY SCHOOLS EFF DATE 090121 EXP DATE 090122 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. SCHEDUTLE Terrorism Premium Certified Acts 49.00 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 terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement or in the policy Declarations Disclosure Of Federal Participation In Payment Of Terrorism Losses The United States Government Department of the Treasury will pay a share of terrorism losses insured under the federal program. The federal share equals 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. 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 071521 FORM IL8383.2A12 20 016 TB 5D34924 2201 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. SCHEDUTLE Terrorism Premium Certified Acts 49.00 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 terrorist acts certified under the Terrorism Risk Insurance Act. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement 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. The federal share equals 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 unde the Terrorism Risk Insurance Act exceed 100 billion in a calendar yea the Treasury shall not make any payment for any portion of the amount 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 X CHANGE THE TERMS g k Insurance Act we are sing the portion of.ge for terrorist acts Act. The portion of s shown in the Schedule tions. nt Of Terrorism Losses the Treasury will pay Of Terrorism Losses | 2 |
MNEMC INSURANCE EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 5D3 49 24 WESTSIDE COMMU SCHOOLS EFF DATE 090121 EXP DATE 090122 GENERAL LIABILITY SCHEDUTLE PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM LOCATION 001 41716 DAY CARE CENTERS 2 4 PREMIUM BASIS PER PUPIL EXPOSURE 823 SUBLINE 334 87500 EMPLOYEE BENEFITS LIABILITY COVERAGE PREMIUM BASIS PER EMP EXPOSURE 50 SUBLINE EBL 1000 DEDUCTIBLE APPLIES EACH EMPLOYEE 87510 ADDITIONAL INSUREDS OWNERS LESSEES OR CONTRACTORS INCL CMPL oPs CG7193 PREMIUM BASIS EACH EXPOSURE 1 SUBLINE 334 ADDITIONAL INTEREST 1 334 WESTSIDE COMMUNITY SCHOOLS 87747 AMENDMENT AGGREGATE LIMITS OF INSURANCE PER LOCATION CG7428 PREMIUM BASIS FLAT CHARG EXPOSURE 1 SUBLINE 334 87777 ABUSE OR MOLESTATION LIABILITY SEE FORM CG7551 PREMIUM BASIS PER PUPIL EXPOSURE 823 SUBLINE 334 DATE OF ISSUE 071521 BPP CONTINUED FORM CG7001A ED.10 12 BPP 090121 016 TB 5D34924 2201 sFITS LIABILITY 5IS 50 EBL TIBLE APPLIES M BASIS RE 1 E 334 AL INTEREST 1 334 ON LIABILITY 823 | 2 |
MNEMC INSURANCE PAGE 2 EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 5D3 49 24 WESTSIDE COMMU SCHOOLS EFF DATE 090121 EXP DATE 090122 22 SCHEDUTLE PRODUCTS COMPL OPS ALL OTHER CODE NO.EXPOSURE CLASSIFICATION RATE ADVANCE PREM RATE ADVANCE PREM LOCATION 002 61217 BLDGS OR PREM BANK OR OFFICE MERCANTILE OR MFG.MAINT BY INSURED LESSOR S RISK ONLY 1 4 PREMIUM BASIS THOUSANDS OF AREA EXPOSURE 3200 SUBLINE 334 LOCATION 003 68607 VACANT BUILDINGS NOT FACTORIES 2 4 PREMIUM BASIS THOUSANDS OF AREA EXPOSURE 3168 SUBLINE 334 POLICY LEVEL COVERAGES PREMIUM FOR CERTIFIED ACTS OF TERRORISM 49.00 TOTAL ESTIMATED POLICY PREMIUM 6137.00 1 OTHER THAN NOT FOR PROFIT 2 NOT FOR PROFIT 3 INCLUDING PRODUCTS AND OR COMPLETED OPERATIONS UNLESS OTHERWISE EXCLUDED 4 PRODUCTS COMPLETED OPERATIONS ARE SUBJECT TO THE GENERAL AGGREGATE LIMIT 5 A 250 PD DEDUCTIBLE PER CLAIM APPLIES TO CUSTOMERS AUTOS UNLESS OTHERWISE DESIGNATED BY THIS CLASSIFICATION CODE 6 FOR SPRAY PAINTING OPERATIONS A PD DEDUCTIBLE OF 250 PER CLAIM APPLIES UNLESS A HIGHER DEDUCTIBLE IS OTHERWISE DESIGNATED FOR THIS CLASSIFICATION CODE LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED RATED LOCATIONS LOC 001 909 s 76TH ST OMAHA NE 68114 4519 LOC 002 1101 s 90TH ST OMAHA NE 68124 1201 DATE OF ISSUE 071521 BPP CONTINUED FORM CG7001A ED.10 12 BPP 090121 016 TB 5D34924 2201 CLASSIFICATION CODE LOCATION OF ALL PREMISES OWNED RENTED OR OCCUPIED RATED LOCATIONS LOC 001 909 s 76TH ST OMAHA NE 68114 4519 LOC 002 1101 s 90TH ST OMAHA NE 68124 1201 LOC 002 1101 s 90TH ST OMAHA NE 68124 1201 | 2 |
MNEMC INSURANCE PAGE 3 EMPLOYERS MUTUAL CASUALTY COMPANY POLICY NO 5D3 49 24 22 WESTSIDE COMMU SCHOOLS EFF DATE 090121 EXP DATE 090122 SCHEDUTLE LOC 003 1111 s 90TH ST OMAHA NE 68124 1201 ALL OTHER LOCATIONS 11444 HASCALL ST OMAHA NE 68144 4507 1414 ROBERTSON DR OMAHA NE 68114 1579 2514 s 108TH ST OMAHA NE 68144 3103 3534 S 108TH ST OMAHA NE 68144 4910 3535 PADDOCK RD OMAHA NE 68124 3827 7500 WESTERN AVE OMAHA NE 68114 1835 7802 HASCALL ST OMAHA NE 68124 3413 8201 PACIFIC ST OMAHA NE 68114 5353 8787 PACIFIC ST OMAHA NE 68114 PACIFIC HEIGHTS CHILD CARE 9030 WESTERN AVE OMAHA NE 68114 2265 9503 WALNUT ST OMAHA NE 68124 1155 9801 WEST CENTER RD OMAHA NE 68114 DATE OF ISSUE 071521 BPP FORM CG7001A ED.10 12 BPP 090121 016 TB 5D34924 2201 LOC 003 1111 s 90TH ST OMAHA NE 68124 1201 ALL OTHER LOCATIONS 11444 HASCALL ST OMAHA NE 68144 4507 1414 ROBERTSON DR OMAHA NE 68114 1579 2514 s 108TH ST OMAHA NE 68144 3103 3534 S 108TH ST OMAHA NE 68144 4910 3535 PADDOCK RD OMAHA NE 68124 3827 7500 WESTERN AVE OMAHA NE 68114 1835 7802 HASCALL ST OMAHA NE 68124 3413 8201 PACIFIC ST OMAHA NE 68114 5353 8787 PACIFIC ST OMAHA NE 68114 PACIFIC HEIGHTS CHILD CARE 9030 WESTERN AVE OMAHA NE 68114 2265 9503 WALNUT ST OMAHA NE 68124 1155 9801 WEST CENTER RD OMAHA NE 68114 ALL OTHER LOCATIONS 11444 HASCALL ST OMAHA NE 68144 4507 1414 ROBERTSON DR OMAHA NE 68114 1579 2514 s 108TH ST OMAHA NE 68144 3103 3534 S 108TH ST OMAHA NE 68144 4910 3535 PADDOCK RD OMAHA NE 68124 3827 7500 WESTERN AVE OMAHA NE 68114 1835 7802 HASCALL ST OMAHA NE 68124 3413 8201 PACIFIC ST OMAHA NE 68114 5353 8787 PACIFIC ST OMAHA NE 68114 PACIFIC HEIGHTS CHILD CARE 9030 WESTERN AVE OMAHA NE 68114 2265 9503 WALNUT ST OMAHA NE 68124 1155 9801 WEST CENTER RD OMAHA NE 68114 | 2 |
COMMERCIAL GENERAL LIABILITY CG 00010413 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights duties and what is and is not covered. Throughout this policy the words you and your refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words we us and our refer to the company providing this insurance. The word insured means any person or organization qualifying as such under Section I Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V Definitions. SECTION COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may at our discretion investigate any occurrence and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section lll Limits Of Insurance and Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to bodily injury and property damage only if 1 The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory 2 2 The bodily injury or property damage occurs during the policy period and Prior to the policy period no insured listed under Paragraph 1. of Section Il Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim knew that the bodily injury or property damage had occurred in whole or in part. If such a listed insured or authorized employee knew prior to the policy period that the bodily injury or property damage occurred then any continuation change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not prior to the policy period known to have occurred by any insured listed under Paragraph 1. of Section Il Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim includes any continuation change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section 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 Receives a written or verbal demand or claim for damages because of the bodily injury or property damage or 3 Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. e. Damages because of bodily injury include damages claimed by any person or organization for care loss of services or death resulting at any time from the bodily injury. 3 2 CG 00010413 Insurance Services Office Inc. 2012 Page 1 0f 16 | 0 |
2. Exclusions This insurance does not apply to a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages 1 That the insured would have in the absence of the contract or agreement or 2 Assumed in a contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract reasonable attorneys fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury or property damage provided a Liability to such party for or for the cost of that party s defense has also been assumed in the same insured contract and 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. b This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in a The supervision hiring employment training or monitoring of others by that insured or b Providing or failing to provide transportation with respect to any person that may be under the influence of 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.. Workers Compensation And Similar Laws Any obligation of the insured under a workers compensation disability benefits or unemployment compensation law or any similar law.. Employer s Liability Bodily injury to 1 An employee of the insured arising out of and in the course of a Employment by the insured or b Performing duties related to the conduct of the insured s business or 2 The spouse child parent brother or sister of that employee as a consequence of Paragraph 1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. Page 2 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
f. Pollution 1 Bodily injury or property damage arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants a At or from any premises site or location which is or was at any time owned or occupied by or rented or loaned to any insured. However this subparagraph does not apply to i Bodily injury if sustained within a building and caused by smoke fumes vapor or soot produced by or originating from equipment that is used to heat cool or dehumidify the building or equipment that is used to heat water for personal use by the building s occupants or their guests ii Bodily injury or property damage for which you may be held liable if you are a contractor and the owner or lessee of such premises site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises site or location and such premises site or location is not and never was owned or occupied by or rented or loaned to any insured other than that additional insured or iii Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire b At or from any premises site or location which is or was at any time used by or for any insured or others for the handling storage disposal processing or treatment of waste c Which are or were at any time transported handled stored treated disposed of or processed as waste by orfor i Any insured or ii Any person or organization for whom you may be legally responsible or d At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the pollutants are brought on or to the premises site or location in connection with such operations by such insured contractor or subcontractor. However this subparagraph does not apply to i Bodily injury or property damage arising out of the escape of fuels lubricants or other operating fluids which are needed to perform the normal electrical hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts if such fuels lubricants or other operating fluids escape from a vehicle part designed to hold store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge dispersal or release of the fuels lubricants or other operating fluids or if such fuels lubricants or other operating fluids are brought on or to the premises site or location with the intent that they be discharged dispersed or released as part of the operations being performed by such insured contractor or subcontractor ii Bodily injury or property damage sustained within a building and caused by the release of gases fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor or Bodily injury or property damage arising out of heat smoke or fumes from a hostile fire. e At or from any premises site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured s behalf are performing operations if the operations are to test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants. iii CG 00010413 Insurance Services Office Inc. 2012 Page 3 of 16 | 1 |
2 Any loss cost or expense arising out of any a Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or b Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. However this paragraph does not apply to liability for damages because of property damage that the insured would have in the absence of such request demand order or statutory or regulatory requirement or such claim or suit by or on behalf of a governmental authority. g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to 1 A watercraft while ashore on premises you own or rent 2 A watercraft you do not own that is a Less than 26 feet long and b Not being used to carry persons or property for a charge 3 Parking an auto on or on the ways next to premises you own or rent provided the auto is not owned by or rented or loaned to you or the insured Liability assumed wunder any insured contract for the ownership maintenance or use of aircraft or watercraft or 4 5 Bodily injury or property damage arising out of a The operaton of machinery or equipment that is attached to or part of a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged or The operation of any of the machinery or equipment listed in Paragraph f.2 or f.3 of the definiton of mobile equipment. h. Mobile Equipment Bodily injury or property damage arising out of 1 The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured or 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. i. War Bodily injury or property damage however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property Property damage to 1 Property you own rent or occupy including any costs or expenses incurred by you or any other person organization or entity for repair replacement enhancement restoration or maintenance of such property for any reason including prevention of injury to a person or damage to another s property Premises you sell give away or abandon if the property damage arises out of any part of those premises 3 Property loaned to you b 3 2 Page 4 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
4 Personal property in the care custody or control of the insured 5 That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations if the property damage arises out of those operations or That particular part of any property that must be restored repaired or replaced because your work was incorrectly performed on it. Paragraphs 1 3 and 4 of this exclusion do not apply to property damage other than damage by fire to premises including the contents of such premises rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section Il Limits Of Insurance. Paragraph 2 of this exclusion does not apply if the premises are your work and were never occupied rented or held for rental by you. Paragraphs 3 4 5 and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph 6 of this exclusion does not apply to property damage included in the products completed operations hazard. 6. 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.. 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.. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 3 The Fair Credit Reporting Act FCRA and any amendment of or addition to such law including the Fair and Accurate Credit Transactions Act FACTA or CG 00010413 Insurance Services Office Inc. 2012 Page 5 of 16 | 1 |
4 Any federal state or local statute ordinance or regulation other than the TCPA CAN SPAM Act of 2003 or FCRA and their amendments and additions that addresses prohibits or limits the printing dissemination disposal collecting recording sending transmitting communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits Of Insurance. COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may at our discretion investigate any offense and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Section lll Limits Of Insurance and 2 Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury.. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication in any manner of material if done by or at the direction of the insured with knowledge of its falsity.. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication in any manner of material whose first publication took place before the beginning of the policy period.. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the insured.. Contractual Liability Personal and advertising injury for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement.. Breach Of Contract Personal and advertising injury arising out of a breach of contract except an implied contract to use another s advertising idea in your advertisement.. Quality Or Performance Of Goods Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods products or services to conform with any statement of quality or performance made in your advertisement.. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods products or services stated in your advertisement. Page 6 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
i. Infringement Of Copyright Patent Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright patent trademark trade secret or other intellectual property rights. Under this exclusion such other 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. j Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an insured whose business is 1 Advertising broadcasting publishing or telecasting 2 Designing or determining content of web sites for others or 3 An Internet search access content or service provider. However this exclusion does not apply to Paragraphs 14.a. b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion the placing of frames borders or links or advertising for you or others anywhere on the Internet is not by itself considered the business of advertising broadcasting publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. I. Unauthorized Use Of Another s Name Or Product Personal and advertising injury arising out of the unauthorized use of another s name or product in your e mail address domain name or metatag or any other similar tactics to mislead another s potential customers. m. Pollution Personal and advertising injury arising out of the actual alleged or threatened discharge dispersal seepage migration release or escape of pollutants at any time. n. Pollution related Any loss cost or expense arising out of any 1 Request demand order or statutory or regulatory requirement that any insured or others test for monitor clean up remove contain treat detoxify or neutralize or in any way respond to or assess the effects of pollutants or 2 Claim or suit by or on behalf of a governmental authority for damages because of testing for monitoring cleaning up removing containing treating detoxifying or neutralizing or in any way responding to or assessing the effects of pollutants. o. War Personal and advertising injury however caused arising directly or indirectly out of 1 War including undeclared or civil war 2 Warlike action by a military force including action in hindering or defending against an actual or expected attack by any government sovereign or other authority using military personnel or other agents or Insurrection rebellion revolution usurped power or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate 1 The Telephone Consumer Protection Act TCPA including any amendment of or addition to such law 2 The CAN SPAM Act of 2003 including any amendment of or addition to such law 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. 3 CG 00010413 Insurance Services Office Inc. 2012 Page 7 of 16 | 1 |
COVERAGE C MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident 1 On premises you own or rent 2 On ways next to premises you own or rent or 3 Because of your operations provided that a The accident takes place in the coverage territory and during the policy period b The expenses are incurred and reported to us within one year of the date of the accident and c The injured person submits to examination at our expense by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for 1 First aid administered at the time of an accident 2 Necessary medical surgical X ray and dental services including prosthetic devices and 3 Necessary ambulance hospital professional nursing and funeral services. 2. Exclusions We will not pay expenses for bodily injury a. Any Insured To any insured except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers Compensation And Similar Laws To a person whether or not an employee of any insured if benefits for the bodily injury are payable or must be provided under a workers compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing instructing or participating in any physical exercises or games sports or athletic contests. f. Products Completed Operations Hazard Included within the products completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS COVERAGES A AND B 1. We will pay with respect to any claim we investigate or settle or any suit against an insured we defend a. All expenses we incur. b. Up to 250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. 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. Page 8 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance.. If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit we will defend that indemnitee if all of the following conditions are met a. The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract b. This insurance applies to such liability assumed by the insured. The obligation to defend or the cost of the defense of that indemnitee has also been assumed by the insured in the same insured contract o. 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 b c Notify any other insurer whose coverage is available to the indemnitee and d Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee and 2 Provides us with written authorization to a Obtain records and other information related to the suit and b Conduct and control the defense of the indemnitee in such suit. 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. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership joint venture or limited liability company you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. A trust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees. CG 00010413 Insurance Services Office Inc. 2012 Page 9 of 16 | 1 |
2. Each of the following is also an insured a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your executive officers if you are an organization other than a partnership joint venture or limited liability company or your managers if you are a limited liability company but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However none of these employees or volunteer workers are insureds for 1 Bodily injury or personal and advertising injury a To you to your partners or members if you are a partnership or joint venture to your members if you are a limited liability company to a coemployee while in the course of his or her employment or performing duties related to the conduct of your business or to your other volunteer workers while performing duties related to the conduct of your business To the spouse child parent brother or sister of that coemployee or volunteer worker as a consequence of Paragraph 1a above For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph 1a or b above or Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by you any of your employees volunteer workers any partner or member if you are a partnership or joint venture or any member if you are a limited liability company. b. Any person other than your employee or volunteer worker or any organization while acting as your real estate manager. b c d c. Any person or organization having proper temporary custody of your property if you die but only 1 With respect to liability arising out of the maintenance or use of that property and 2 Until your legal representative has been appointed. d. Your legal representative if you die but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION 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 or suits brought or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A except damages because of bodily injury or property damage included in the products completed operations hazard and c. Damages under Coverage B. Page 10 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
3. The Products Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products completed operations hazard. 4. Subject to Paragraph 2. above the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above whichever applies the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured s estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence Offense Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible notice should include 1 How when and where the occurrence or offense took place 2 The names and addresses of any injured persons and witnesses and 3 The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any insured you must 1 Immediately record the specifics of the claim or suit and the date received and 2 Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit 2 Authorize us to obtain records and other information 3 Cooperate with us in the investigation or settlement of the claim or defense against the suit and 4 Assist us upon our request in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will except at that insured s own cost voluntarily make a payment assume any obligation or incur any expense other than for first aid without our consent.. Legal Action Against Us No person or organization has a right under this Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an insured or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us the insured and the claimant or the claimant s legal representative. CG 00010413 Insurance Services Office Inc. 2012 Page 11 of 16 | 1 |
4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part our obligations are limited as follows a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance 1 This insurance is excess over a Any of the other insurance whether primary excess contingent or on any other basis i That is Fire Extended Coverage Builder s Risk Installation Risk or similar coverage for your work ii That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner iii That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner or iv If the loss arises out of the maintenance or use of aircraft autos or watercraft to the extent not subject to Exclusion g. of Section I Coverage A Bodily Injury And Property Damage Liability. b Any other primary insurance available to you covering liability for damages arising out of the premises or operations or the products and completed operations for which you have been added as an additional insured. 2 When this insurance is excess we will have no duty under Coverages A or B to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends we will undertake to do so but we will be entitted to the insured s rights against all those other insurers. 3 When this insurance is excess over other insurance we will pay only our share of the amount of the loss if any that exceeds the sum of a The total amount that all such other insurance would pay for the loss in the absence of this insurance and b The total of all deductible and self insured amounts under all that other insurance. 4 We will share the remaining loss if any with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations By accepting this policy you agree a. The statements in the Declarations are accurate and complete Page 12 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
b. Those statements are based upon representations you made to us and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance and any rights or duties specifically assigned in this Coverage Part to the first Named Insured this insurance applies a. As if each Named Insured were the only Named Insured and b. Separately to each insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part those rights are transferred to us. The insured must do nothing after loss to impair them. At our request the insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed proof of mailing will be sufficient proof of notice. SECTION V DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods products or services for the purpose of attracting customers or supporters. For the purposes of this definition a. Notices that are published include material placed on the Internet or on similar electronic means of communication and b. Regarding web sites only that part of a web site that is about your goods products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means a. A land motor vehicle trailer or semitrailer designed for travel on public roads including any attached machinery or equipment or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However auto does not include mobile equipment.. Bodily injury means bodily injury sickness or disease sustained by a person including death resulting from any of these at any time.. Coverage territory means a. The United States of America including its territories and possessions Puerto Rico and Canada b. International waters or airspace but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above or c. All other parts of the world if the injury or damage arises out of 1 Goods or products made or sold by you in the territory described in Paragraph a. above The activities of a person whose home is in the territory described in Paragraph a. above but is away for a short time on your business or Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication provided the insured s responsibility to pay damages is determined in a suit on the merits in the territory described in Paragraph a. above or in a settlement we agree to.. Employee includes a leased worker. Employee does not include a temporary worker.. Executive officer means a person holding any of the officer positions created by your charter constitution bylaws or any other similar governing document.. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be.. lmpaired 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. 2 3 CG 00010413 Insurance Services Office Inc. 2012 Page 13 of 16 | 1 |
9. Insured contract means a. A contract for a lease of premises. However that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract 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 other contract or agreement pertaining to your business including an indemnification of a municipality in connection with work performed for a municipality under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement 1 That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle tracks road beds tunnel underpass or crossing That indemnifies an architect engineer or surveyor for injury or damage arising out of a Preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Giving directions or instructions or failing to give them if that is the primary cause of the injury or damage or 3 Under which the insured if an architect engineer or surveyor assumes liability for an injury or damage arising out of the insured s rendering or failure to render professional services including those listed in 2 above and supervisory inspection architectural or engineering activities. 2 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. Page 14 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
However self propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos 1 Equipment designed primarily for a Snow removal b Road maintenance but not construction or 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 any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13.Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions. 14.Personal and advertising injury means injury including consequential bodily injury arising out of one or more of the following offenses a. False arrest detention or imprisonment b. Malicious prosecution c. The wrongful eviction from wrongful entry into or invasion of the right of private occupancy of a room dwelling or premises that a person occupies committed by or on behalf of its owner landlord or lessor d. Oral or written publication in any manner of material that slanders or libels a person or organization or disparages a person s or organization s goods products or services e. Oral or written publication in any manner of material that violates a person s right of privacy f. The use of another s advertising idea in your advertisement or g. Infringing upon another s copyright trade dress or slogan in your advertisement. 15.Pollutants mean any solid liquid gaseous or thermal irritant or contaminant including smoke vapor soot fumes acids alkalis chemicals and waste. Waste includes materials to be recycled reconditioned or reclaimed. 16.Products completed operations hazard 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. c When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service maintenance correction repair or replacement but which is otherwise complete will be treated as completed. b. Does not include bodily injury or property damage arising out of 1 The transportation of property unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you and that condition was created by the loading or unloading of that vehicle by any insured 2 The existence of tools uninstalled equipment or abandoned or unused materials or 3 Products or operations for which the classification listed in the Declarations or in a policy Schedule states that products completed operations are subject to the General Aggregate Limit. 17.Property damage means a. Physical injury to tangible property including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance electronic data is not tangible property. CG 00010413 Insurance Services Office Inc. 2012 Page 15 of 16 | 1 |
As used in this definition electronic data means information facts or programs stored as or on created or used on or transmitted to or from computer software including systems and applications software hard or floppy disks CD ROMSs tapes drives cells data processing devices or any other media which are used with electronically controlled equipment. 18.Suit means a civil proceeding in which damages because of bodily injury property damage or personal and advertising injury to which this insurance applies are alleged. Suit includes a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19.Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short term workload conditions. 20.Volunteer worker means a person who is not your employee and who donates his or her work and acts at the direction of and within the scope of duties determined by you and is not paid a fee salary or other compensation by you or anyone else for their work performed for you. 21.Your product a. Means 1 Any goods or products other than real property manufactured sold handled distributed or disposed of by a You b Others trading under your name or c A person or organizaton whose business or assets you have acquired and 2 Containers other than vehicles materials parts or equipment furnished in connection with such goods or products. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your product and 2 The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22.Your work a. Means 1 Work or operations performed by you or on your behalf and 2 Materials parts or equipment furnished in connection with such work or operations. b. Includes 1 Warranties or representations made at any time with respect to the fitness quality durability performance or use of your work and 2 The providing of or failure to provide warnings or instructions. Page 16 of 16 Insurance Services Office Inc. 2012 CG 00010413 | 1 |
COMMERCIAL GENERAL LIABILITY CG 2106 0514 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 GENERAL LIABILITY COVERAGE PART A. Exclusion 2.p. of Section Coverage A As used in this exclusion electronic data Bodily Injury And Property Damage Liability is replaced by the following 2. Exclusions This insurance does not apply to p. 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. CG 21060514 Insurance Services Office Inc. 2013 Page 1 of 1 | 2 |
POLICY NUMBER POLICY NUMBER COMMERCIAL GENERAL LIABILITY CG 21160413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED PROFESSIONAL SERVICES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description Of Professional Services Information required to complete this Schedule if not shown above will be shown in the Declarations. With respect to any professional services shown in the Schedule the following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability and Paragraph 2. Exclusions of Section Coverage B Personal And Advertising Injury Liability This insurance does not apply to bodily injury property damage or personal and advertising injury due to the rendering of or failure to render any professional service. 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 or the offense which caused the personal and advertising injury involved the rendering of or failure to render any professional service. CG 21160413 Insurance Services Office Inc. 2012 Page 1 0of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21471207 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability This insurance does not apply to Bodily injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability This insurance does not apply to Personal and advertising injury to 1 A person arising out of any a Refusal to employ that person b Termination of that person s employment or c Employment related practices policies acts or omissions such as coercion demo tion evaluation reassignment discipline defamation harassment humiliation dis crimination or malicious prosecution di rected at that person or 2 The spouse child parent brother or sister of that person as a consequence of personal and advertising injury to that person at whom any of the employment related practices described in Paragraphs a b or c above is directed. This exclusion applies 1 Whether the injury causing event described in Paragraphs a b or c above occurs before employment during employment or after em ployment of that person Whether the insured may be liable as an em ployer or in any other capacity and 3 To any obligation to share damages with or repay someone else who must pay damages because of the injury. 2 CG 21471207 ISO Properties Inc. 2006 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 21671204 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Bodily injury or property damage which would not have occurred in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury or damage. b. Any loss cost or expenses arising out of the abating testing for monitoring cleaning up removing containing treating detoxify ing neutralizing remediating or disposing of or in any way responding to or assess ing the effects of fungi or bacteria by any insured or by any other person or entity. This exclusion does not apply to any fungi or bacteria that are are on or are contained in a good or product intended for bodily consump tion. B. The following exclusion is added to Paragraph 2. Exclusions of Section Coverage B Per sonal And Advertising Injury Liability 2. Exclusions This insurance does not apply to Fungi Or Bacteria a. Personal and advertising injury which would not have taken place in whole or in part but for the actual alleged or threat ened inhalation of ingestion of contact with exposure to existence of or presence of any fungi or bacteria on or within a building or structure including its contents regardless of whether any other cause event material or product contributed con currently or in any sequence to such injury. b. Any loss cost or expense arising out of the abating testing for monitoring cleaning up removing containing treating detoxifying neutralizing remediating or disposing of or in any way responding to or assessing the effects of fungi or bacteria by any in sured or by any other person or entity. C. The following definition is added to the Definitions Section Fungi means any type or form of fungus includ ing mold or mildew and any mycotoxins spores scents or byproducts produced or released by fungi. CG 21671204 ISO Properties Inc. 2003 Page 1 of 1 a | 2 |
COMMERCIAL GENERAL LIABILITY CG 21700115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 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. 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. CG 21700115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 21760115 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF PUNITIVE DAMAGES RELATED TO A CERTIFIED ACT OF TERRORISM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. The following exclusion is added 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.. 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. 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. CG 21760115 Insurance Services Office Inc. 2015 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 22400196 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION MEDICAL PAYMENTS TO CHILDREN DAY CARE CENTERS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to paragraph 2. Exclusions of Coverage C MEDICAL PAYMENTS Section I Coverages We will not pay expenses for bodily injury to any child enrolled in a day care center. CG 2240 01 96 Copyright Insurance Services Office Inc. 1994 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 22671093 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CORPORAL PUNISHMENT This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Exclusion a. of paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LI ABILITY Section Coverages is replaced by the following This insurance does not apply to a. Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from 1 The use of reasonable force to protect persons or property or 2 Corporal punishment to your student administered by or at the direction of any insured. CG 22671093 Copyright Insurance Services Office Inc. 1992 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG 226809 97 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OPERATION OF CUSTOMERS AUTOS ON PARTICULAR PREMISES This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion g. of Paragraph 2. Exclusions of B. The following definition is added to the Definitions Coverage A Bodily Injury And Property Section Damage Liability Section Coverages does not apply to any customer s auto while on or next to those premises you own rent or control that are used for any of the following businesses 1. Auto Repair or Service Shops. Car Washes. Gasoline Stations. Tire Dealers o oh LN. Automobile Quick Lubrication Services. Customer s auto means an auto on those premises for the purpose of receiving the serv ices normally provided in connection with those businesses but does not include an auto owned by or rented or loaned to any insured. CG 22 68 09 97 Copyright Insurance Services Office Inc. 1996 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY CG22711219 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COLLEGES OR SCHOOLS LIMITED FORM This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART With respect to the operation of any college or school by you or on your behalf the following provisions apply A. With respect to the transportation of students Exclusion g. of Paragraph 2. Exclusions of Section Coverage A Bodily Injury And Property Damage Liability is replaced by the following This insurance does not apply to g. Aircraft Auto Or Watercraft Bodily injury or property damage arising out of the ownership maintenance operation use loading or unloading or entrustment to others of any aircraft auto or watercraft that is owned operated or hired by any insured. For the purpose of this exclusion the word hired includes any contract to furnish transportation of your students to and from schools. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage involved the ownership maintenance use or entrustment to others of any aircraft auto or watercraft that is owned operated or hired by any insured. B. The following exclusions are added to Section C. Coverage A Bodily Injury And Property Damage Liability and Section Coverage B Personal And Advertising Injury Liability 1. If the college or school owns or operates an D infirmary with facilites for lodging and treatment or a public clinic or hospital this insurance does not apply to bodily injury property damage or personal and advertising injury caused by a. The rendering of or failure to render 1 Medical surgical dental X ray or nursing service treatment advice or instruction or the related furnishing of food or beverages 2 Any health or therapeutic service treatment advice or instruction or 3 Any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming. b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances or c. The handling or treatment of dead bodies including autopsies organ donation or other procedures. 2. This insurance does not apply to bodily injury to any person arising out of practicing for or participating in any sports or athletic contest or exhibition if there is no direct management organization or supervision of such sports or athletic contest or exhibition by any insured. Paragraphs B.1. and B.2. apply 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 or the offense which caused the personal and advertising injury involved that which is described in Paragraph B.1. or B.2. as applicable. The following exclusion is added to Section Coverage C Medical Payments We will not pay expenses for bodily injury to your student.. Section Il Who Is An Insured is amended to include as an insured any of the following but only with respect to their duties in connection with the positions described below 1. Any of your trustees or members of your Board of Governors if you are a private charitable or educational institution 2. Any of your board members or commissioners if you are a public board or commission or 3. Any student teachers teaching as part of their educational requirements. 2 Any health or therapeutic service treatment advice or instruction or 3 Any service treatment advice or instruction for the purpose of appearance or skin enhancement hair removal or replacement or personal grooming. b. The furnishing or dispensing of drugs or medical dental or surgical supplies or appliances or c. The handling or treatment of dead bodies including autopsies organ donation or other procedures. 2. This insurance does not apply to bodily injury to any person arising out of practicing for or participating in any sports or athletic contest or exhibition if there is no direct management organization or supervision of such sports or athletic contest or exhibition by any insured. Paragraphs B.1. and B.2. apply 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 or the offense which caused the personal and advertising injury involved that which is described in Paragraph B.1. or B.2. as applicable.. The following exclusion is added to Section Coverage C Medical Payments We will not pay expenses for bodily injury to your student.. Section Il Who Is An Insured is amended to include as an insured any of the following but only with respect to their duties in connection with the positions described below 1. Any of your trustees or members of your Board of Governors if you are a private charitable or educational institution 2. Any of your board members or commissioners if you are a public board or commission or 3. Any student teachers teaching as part of their educational requirements. CG22711219 Insurance Services Office Inc. 2018 Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY QUICK REFERENCE COMMERCIAL GENERAL LIABILITY COVERAGE FORM OCCURRENCE COVERAGE READ YOUR POLICY CAREFULLY DECLARATIONS PAGES Named Insured And Mailing Address Policy Period Description Of Business And Location Coverages And Limits Of Insurance SECTION COVERAGES Coverage A Bodily Injury And Property Damage Liability Coverage B Personal And Advertising Injury Liability Coverage C Medical Payments Supplementary Payments..................... SECTION Il WHO ISAN INSURED............ SECTION Il LIMITS OF INSURANCE................ it Insuring Agreement. Exclusions Insuring Agreement.............. Exclusions Insuring Agreement. Exclusions SECTION IV COMMERCIAL GENERAL LIABILITYCONDITIONS........................... Bankruptcy Duties In The Event Of Occurrence Offense Claim Or Suit Legal Action Against Us Other Insurance.. Premium Audit. Representations Separation Of Insureds..................... Transfer Of Rights Of Recovery Against Others To Us When We Do Not Renew... SECTIONV DEFINITIONS.................. COMMON POLICY CONDITIONS Cancellation Changes Examination Of Your Books And Records Inspections And Surveys Premiums Transfer Of Your Rights And Duties Under This Policy ENDORSEMENTS If Any Beginning on Page CG700310 13 Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENSION OF WHO IS AN INSURED This Endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM Section Il Who Is An Insured Paragraphs 2.a. 2 P rty d 4 rty 2.a.1 and 2.a.2 are deleted and replaced by the 2 Property amage. 0 property following a Owned occupied or used by 2. Each of the following is also an insured b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by a. Your volunteer workers only while performing duties related to the conduct of your business or your employees other than either your B N executive officers if you are an organization any of your volunteer workers. 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 volunteer workers is an insured for 1 Bodily injury or personal and advertising injury d Arising out of his or her providing or failing to provide professional health care services. 2 Property damage to property a Owned occupied or used by b Rented to in the care custody or control of or over which physical control is being exercised for any purpose by any of your volunteer workers. CGT1057 14 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION DESIGNATED OPERATIONS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Designated Operations Fireworks Display or Program including handling transportation or storage of fireworks If no entry appears above information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement. The following exclusion is added to paragraph 2. Exclusions of COVERAGE A BODILY INJURY and PROPERTY DAMAGE LIABILITY and COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY Section I Coverages This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of or from the insured s ongoing operations and operations included within the products completed operations hazard described in the Schedule of this endorsement. This exclusion applies regardless of 1. Where all or any part of the operations occur or occurred 2. Whether such operations are or were conducted by you or on your behalf or 3. Whether the operations are or were conducted for yourself or for others. 1cluding handling transportation or storage of fireworks This exclusion applies regardless of 1. 2. Where all or any part of the operations occur or occurred Whether such operations are or were conducted by you or on your behalf or Whether the operations are or were conducted for yourself or for others. CG71311 06 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COVERAGE FOR INJURY TO CO EMPLOYEES AND OR YOUR OTHER VOLUNTEER WORKERS This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Designated Specific Employees Volunteer Workers Or Specific Job Titles Information required to complete this Schedule if not shown above will be shown in the Declarations. A The following is added to Paragraph 2.a.1 of Section Il Who Is An Insured Paragraphs a b and c above do not apply to the specific employees or volunteer workers or any employees or volunteer workers holding the specific job titles designated in the Schedule of this endorsement with respect to bodily injury to a coemployee or other volunteer worker. B. The following is added to Paragraph 4. Other Insurance Condition under Section IV Commercial General Liability Conditions The coverage provided by this endorsement is excess over any other valid and collectible insurance that covers the liability of the designated employees or volunteer workers or an employee or volunteer worker holding a job title designated in the Schedule of this endorsement. CGT1407 14 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
Commercial General Liability THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLLUTION EXCLUSION AMENDMENT Exclusion f. of Section Coverage A is amended by adding the following Subparagraph a of Exclusion f.1 does not apply to iv bodily injury or property damage arising out of activities usual to classroom instruction on school premises. Form CG7144 Ed. 8 99 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. POLITICAL SUBDIVISIONS TORT CLAIMS NEBRASKA This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART This policy does not apply to any claim against an insured for which the insured 1 Is immune from liability due to the provisions of any statute or where the action based upon such claim has been barred or abated by operation of statute or rule of civil procedure or 2 Is not immune from liability as described in 1 above but is immune from further liability above any specific statutory limits cap on the maximum liability of the insured. However this item 2 does not apply to the extent if any this policy provides coverage up to the maximum statutory liability limits cap. This endorsement shall not apply if for any reason the immunity or maximum liability cap granted by statute or rule of civil procedure is deemed void. The immunities and statutory limits caps referred to in the foregoing paragraphs are those found in Nebraska Code Section 13 901 et seq. or any succeeding statutory compilation. CG717710 01 Page 1of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXTENSION OF PERSONAL AND ADVERTISING INJURY LIABILITY This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART Section Coverage B. Personal And Advertising Injury Liability is amended as follows Exclusions 2.e and 2.j 1 are deleted and will not apply to your educational institution operations. CG718310 01 Includes copyrighted material of ISO Properties Inc. with its permission. Page 1 of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED OWNERS LESSEES OR CONTRACTORS INCLUDING COMPLETED OPERATIONS This endorsement modifies the insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Name Of Additional Insured Persons Or Organizations Project Location Of Project Information required to complete this Schedule if not shown above will be shown in the Declarations. A. Section Il Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the persons or organizations shown in the Schedule but only with respect to liability arising out of your work performed for that additional insured by or for you at the location designated and described in the Schedule of this endorsement. However 1. The insurance afforded to such additional in sured only applies to the extent permitted by law and 2. If coverage provided to the additional insured is required by a contract or agreement the insur ance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. additional insureds the following is added to Sec tion Ill Limits Of Insurance If coverage provided to the additional insured is re quired by a contract or agreement the most we will pay on behalf of the additional insured is the amount of insurance 1. Required by the contract or agreement or 2. Available under the applicable Limits of Insur ance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. f Project CG7193 10 13 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 1 | 2 |
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT AGGREGATE LIMITS OF INSURANCE PER LOCATION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART The General Aggregate Limit under LIMITS OF INSURANCE Section Ill applies separately to each of your locations owned by or rented to you. Location means premises involving the same or connecting lots or premises whose connection is interrupted only by a street roadway waterway or right of way of a railroad. Includes copyrighted material of Insurance Services Office Inc. with its permission. Form CG7428 Ed. 11 98 Copyright Insurance Services Office Inc. 1984 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABUSE OR MOLESTATION LIABILITY This endorsement changes insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM Except to the extent specifically provided within this b. endorsement the coverage form to which this endorsement is attached does not apply to any claim or suit seeking damages arising out of any actual or threatened abuse molestation or any related breach of duty. SECTION COVERAGES is amended by adding the following COVERAGE ABUSE OR MOLESTATION LIABILITY d 1. INSURING AGREEMENT a. We will pay those sums that the insured becomes legally obligated to pay as damages because of loss arising out of abuse or molestation to which this endorsement applies. We have the right and duty to defend the e. insured against any suit seeking damages because of loss to which this endorsement applies. However we have no duty under this endorsement to defend any insured against a suit seeking damages not covered by this endorsement. We may at our discretion investigate and settle any claim or suit that may result. But 1 The total amount we will pay as damages is limited as described in SECTION Il LIMITS OF INSURANCE and 2 Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or f. settlements under this endorsement. No other obligation or liability to pay sums or perform acts or services is covered by this endorsement unless explicitly provided for under SUPPLEMENTARY PAYMENTS COVERAGE Abuse or Molestation Liability. b. The coverage within this endorsement applies to loss only if 1 The loss takes place in the coverage territory and g. 2 The loss occurs during the endorsement period. 2. EXCLUSIONS This coverage does not apply a. Any Perpetrator To any person who knowingly participated in or knowingly allowed or directed any act of abuse or molestation. Criminal Actions To the cost of defense of or the cost of paying any fines for any person resulting from an actual or alleged violation of any penal or criminal statute. Contractual Liability To liability assumed by the insured under any contract or agreement. Workers Compensation To any obligation of the insured under a Workers Compensation disability benefits or unemployment compensation law or any similar law. Employers Liability To loss 1 To an employee or volunteer worker arising out of and in the course of his or her employment or while performing duties related to the conduct of your business 2 To the spouse child parent brother or sister of that employee or volunteer worker as a consequence of Paragraph 1 above. This exclusion applies regardless of the relationship between the insured and any party described in this paragraph. Aircraft Auto Watercraft To any loss arising out of the ownership maintenance use or entrustment to others of any aircraft auto or watercraft. 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 with respect to any aircraft auto or watercraft. Employment Practices To any loss arising out of any employment related practices. This exclusion applies 1 Whether the insured may be liable as an employer or in any other capacity and 2 To the spouse child parent brother or sister as a consequence of loss to that person at whom any of the employment related practices is directed. C6755110 19 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f4 | 2 |
h. Failure to Report Abuse or Molestation To any insured with knowledge of the loss who intentionally fails to report such act to the proper authorities. Proper authorities may include those within your organization and any governmental legal or regulatory bodies. SUPPLEMENTARY PAYMENTS COVERAGES A AND B is replaced by the following for COVERAGE Abuse or Molestation Liability SUPPLEMENTARY PAYMENTS We will pay with respect to any claim we investigate or settle or any suit against an insured we defend 1. 2. All expenses we incur. The cost of bonds to release attachments but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 300 a day because of time off from work. All court costs taxed against the insured in the suit. However these payments do not include attorneys fees or attorneys expenses taxed against the insured. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance we will not pay any prejudgment interest based on that period of time after the offer. Al 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. We will indemnify any insured for 100 of the attorney s fees and reasonable expenses other than loss of earnings not to exceed a maximum expenditure of 100000 per occurrence which fees and expenses are incurred in the defense of any criminal action or proceeding arising within the scope of employment brought against the insured and meeting the following conditions 1 Adismissal of the criminal action or 2 A final judgment or conviction must not have been entered against the insured and the insured must not have pled guilty to any criminal offense either felony or misdemeanor and a No reimbursement will be made until the first trial verdict is entered. b No reimbursement will be provided for appeals after a guilty verdict is rendered at the first trial. This coverage does not apply to any retrial upon an entry of mistrial after verdict or to any retrial after appeal. The statement We will pay with respect to any claim we investigate or settle or any suit against an insured we defend does not apply to item 7. These payments will not reduce the limits of insurance. SECTION Il WHO IS AN INSURED is replaced by the following SECTION Il WHO IS AN INSURED 1. If you are designated in the Declarations as a. An individual you and your spouse are insureds but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture you are an insured. Your members your partners and their spouses are also insureds but only with respect to the conduct of your business. c. A limited liability company you are an insured. Your members are also insureds but only with respect to the conduct of your business. Your managers are insureds but only with respect to their duties as your managers. d. An organization other than a partnership or joint venture you are an insured. Your executive officers and directors are insureds but only with respect to their duties as your officers or directors. Your stockholders are also insureds but only with respect to their liability as stockholders. e. Atrust you are an insured. Your trustees are also insureds but only with respect to their duties as trustees 2. Each of the following is also an insured for loss Your volunteer workers but 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. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if there is no other similar insurance available to that organization. However a. Coverage under this endorsement is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier and b. Coverage Abuse or Molestation Liability does not apply to loss that occurred before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a named insured in the Declarations. m we investigate or d we defend tachments but only applicable limit of rnish these bonds. d by the insured at he investigation or 1cluding actual loss because of time off the insured in the nts do not include expenses taxed against the insured pay. If we make an of insurance we will rest based on that f any judgment that nent and before we posited in court the ithin the applicable I for 100 of the expenses other than ceed a maximum urrence which fees the Aafanca f any CGT55110 19 Includes copyrighted material of ISO Properties Inc. with its permission. Page 2 of 4 | 2 |
SECTION Il LIMITS OF INSURANCE is replaced by the following SECTION lil LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of a. The number of insureds b. The number of claims made or suits brought or c. The number of persons or organizations making claims or bringing suits or d. In addition with respect to payment under the coverage for Abuse or Molestation Liability 1 The number of actual or alleged errors misstatements misleading statements acts omissions negligent acts or breaches of duty 2 The period of time during which the acts described in d.1 took place or 3 The number of persons who have been subject to the acts described in d.1. 2. The General Aggregate Limit is the most we will pay for the sum of a. Medical expenses under Coverage C b. Damages under Coverage A c. Damages under Coverage B and d Damages under the coverage for Abuse or Molestation Liability. 3. Subject to Paragraph 2. above the Personal and Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. 4. Subject to Paragraph 2. above the Each Occurrence Limit is the most we will pay for the sum of a. Damages under Coverage A and b. Medical expenses under Coverage C because of all loss arising out of any one occurrence. If such occurrence is causally related to the facts circumstances situations or events for which coverage for Abuse or Molestation Liability applies then such coverage in item 6. below will be subject to one Each Occurrence Limit for the sum of damages under item 6. below and the damages and medical expenses in 4.a. and 4.b. above. 5. Subject to Paragraph 4. above the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. 6. Subject to Paragraph 4. above all damages under the Abuse or Molestation Liability coverage arising out of all acts of actual or threatened abuse or molestation by one person or by two or more persons acting together and all breaches of duty giving rise to such acts will be considered to result from one loss which is deemed to take place at the time of the first such loss. Such loss will be subject to an each loss limit which is equal to the Each Occurrence Limit shown on the Declarations page. Loss is defined as shown within the Abuse or Molestation Liability Coverage. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations unless the policy period is extended after issuance for an additional period of less than 12 months. In that case the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV COMMERCIAL GENERAL LIABILITY CONDITIONS applies to this COVERAGE Abuse or Molestation Liability without change. SECTION V DEFINITIONS All definitions contained in the Commercial General Liability Coverage Form apply except as modified by this endorsement. For the purpose of this endorsement only the following definitions apply 18. Suit means a civil proceeding in which damages are alleged because of loss to which this endorsement applies. Suit includes a. An arbitration proceeding in which such damages are claimed and to which you must submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which you submit with our consent and c. Administrative suits before teacher practices review boards provided that such suit is not originated by an administrative official of the school district while acting in that capacity. 23. Loss means bodily injury property damage personal and advertising injury or a wrongful act including continuous or repeated exposure to substantially the same general harmful conditions. 24. Wrongful act means injury other than bodily injury or personal and advertising injury arising out of one or more of the following a. actual or alleged errors b. misstatement or misleading statements c. act omission or neglect or d. breach of duty by any insured. NCE 1 in the Declarations most we will pay le or suits brought s or organizations suits or payment under the station Liability or alleged errors ading statements ent acts or breaches iring which the acts place or ns who have been cribed in d.1. is the most we will overage C A R and r 0w 200 rsonal and e will pay damages sing injury tion. the Each vay for the oy A al el C6755110 19 Includes copyrighted material of ISO Properties Inc. with its permission. Page 30f4 | 2 |
25. Employment related practices means Refusal to employ an applicant Termination of an employee or Employment related policies acts or omissions such as coercion demotion evaluation reassignment iscipline defamation harassment humiliation or discrimination directed at a former employee employee or applicant for employment. CGT55110 19 Includes copyrighted material of ISO Properties Inc. with its permission. Page 4 of 4 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits each employee Programs aggregate Description of Other Similar Benefits as applicable to this endorsement. If no entry appears above information required to complete this endorsement will be shown in the Declarations A. The following is added to Section Coverages COVERAGE EMPLOYEE BENEFITS LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of any act error or omission of the insured or of any other person for whose acts the insured is legally liable to which this insurance applies. We will have the right and duty to defend the insured against any suit seeking those damages. However we will have no duty to defend the insured against any suit seeking damages to which this insurance does not apply. We may at our discretion investigate any report of an act error or omission and settle any claim or suit that may result. But 1 The amount we will pay for damages is limited as described in Paragraph D. Section il Limits Of Insurance and 2 Our right and duty to defend ends when we have used up the applicable 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 Supplementary Payments. b. This insurance applies to damages only if the act error or omission 1 Is negligently committed by you or any other insured in the administration of your employee benefit program 2 Takes place in the coverage territory and 3 Occurs during the policy period shown in the Declarations. A claim seeking damages will be deemed to have been made when notice of such claim is received and recorded by any insured or by us whichever comes first. All claims for damages made by an employee because of any act error or omission or a series of related acts errors or omissions including damages claimed by such employee s dependents and beneficiaries will be deemed to have been made at the time the first of those claims is made against any insured. 2. Exclusions This insurance does not apply to Dishonest Fraudulent Criminal Or Malicious Act Damages arising out of any intentional dishonest fraudulent criminal or malicious act error or omission committed by any insured including the wiliful or reckless violation of any statute. Bodily Injury Property Damage Or Personal And Advertising Injury Bodily injury property damage or personal and advertising injury. Failure To Perform A Contract Damages arising out of failure of performance of contract by any insurer. Insufficiency Of Funds Damages arising out of an insufficiency of funds to meet any obligations under any plan included in the employee benefit program. Inadequacy Of Performance Of Investment Advice Given With Respect To Participation CG76263 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 4 CG76263 09 Page 10f4 | 2 |
Any claim based upon c. Your legal repre 1 Failure of any investment to perform only with respec representative wi 2 Errors in providing information on past duties under this performance of investment vehicles or.. N 3 3. Any organization yo 3 Advice given to any person with other than a partners respect to that person s decision to liability company an participate or not to participate in any ownership or majority plan included in the employee benefit Named Insured if n program. applies to that organi f. Workers Compensation And Similar a. Coverage under Laws only until the 90 t Any claim arising out of your failure to form the organi comply with the mandatory provisions of policy period whi any workers compensation unemployment b. Coverage under compensation insurance social security or apply to any act disability benefits law or any similar law. committed before g. ERISA the organization. Damages for which any insured is liable D. For the purposes of the because of liability imposed on a fiduciary endorsement Section Il by the Employee Retirement Income replaced by the following Security Act of 1974 as now or hereafter 1. Limits Of Insurance amended or by any similar federal state or. local laws. a. The Limits of N N Schedule and the h. Available Benefits we will pay regarc Any claim for benefits to the extent that 1 Insureds such benefits are available with At reasonable effort and cooperation of the 2 Claims mac insured from the applicable funds accrued 3 Persons or or other collectible insurance. claims or br i. Taxes Fines Or Penalties 4 Acts errors o Taxes fines or penalties including those 5 Benefits incl imposed under the Internal Revenue Code benefit progr or any similar state or local law. b. The Aggregate Li j. Employment Related Practices for all damages Damages arising out of wrongful mSSn5 neglig termination of employment discrimination any 9 er IIISUIe or other employment related practices. your employee B. For the purposes of the coverage provided by this c. Subject to the A endorsement Employee Limit i all damages 1. All references to Supplementary Payments employee inclt Coverages A and B are replaced by by such emplz Supplementary Payments Coverages A B beneficiaries as and Employee Benefits Liability. 2. Paragraphs 1.b. and 2. of the Supplementary Payments provision do not apply. C. For the purposes of the coverage provided by this endorsement Paragraphs 2. and 3. of Section Il Who Is An Insured are replaced by the following 2. Each of the following is also an insured 1 An act error. 2 A series of omissions negligently comm insured in the employee benefi However the a. Each of your employees who is or was endorsement she authorized to administer your employee subject to the i benefit program. apply to the paym b. Any persons organizations or employees included in t having proper temporary authorization to program. administer your employee benefit program if you die but only until your legal representative is appointed. CG76263 09 Includes copyrighted material of ISO Properties Inc. with its permission. c. 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. 3. Any organization you newly acquire or form other than a partnership joint venture or limited liability company and over which you maintain ownership or majority interest will qualify as a Named Insured if no other similar insurance applies to that organization. However a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period whichever is earlier. b. Coverage under this provision does not apply to any act error or omission that was committed before you acquired or formed the organization. D. For the purposes of the coverage provided by this endorsement Section lll Limits Of Insurance is replaced by the following 1. Limits Of Insurance a. The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of 1 Insureds 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits 4 Acts errors or omissions or 5 Benefits included in your employee benefit program. b. The Aggregate Limit is the most we will pay for all damages because of acts errors or omissions negligently committed by you or any other insured in the administration of your employee benefit program. c. Subject to the Aggregate Limit the Each Employee Limit is the most we will pay for all damages sustained by any one employee including damages sustained by such employee s dependents and beneficiaries as a result of 1 An act error or omission or 2 A series of related acts errors or omissions negligently committed by you or any other insured in the administration of your employee benefit program. However the amount paid under this endorsement 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. Page 20f4 | 2 |
The Limits of Insurance of this endorsement apply separately to each consecutive annual period and to any remaining period of less than 12 months starting with the beginning of the policy period shown in the Declarations of the policy to which this endorsement is attached unless the policy period is extended after 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. 2. Deductible a. Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee. The limits of insurance shall not be reduced by the amount of this deductible. b. The deductible amount stated in the Schedule applies to all damages sustained by any one employee including such employee s dependents and beneficiaries because of all acts errors or omissions to which this insurance applies. c. The terms of this insurance including those with respect to 1 Our right and duty to defend any suits seeking those damages and 2 Your duties and the duties of any other involved insured in the event of an act error or omission or claim apply irrespective of the application of the deductible amount. d. We may pay any part or all of the deductible amount to effect settlement of any claim or suit and upon notification of the action taken you shall promptly reimburse us for such part of the deductible amount as we have paid. E. For the purposes of the coverage provided by this endorsement Conditions 2. and 4. of Section IV Commercial General Liability Conditions are replaced by the following 2. Duties In The Event Of An Act Error Or Omission Or Claim Or Suit a. You must see to it that we are notified as soon as practicable of an act error or omission 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. You and any other involved insured must 1 Immediately send us copies of any demands notices summonses or legal papers received in connection with the claim or suit Authorize us to obtain records and other information Cooperate with us in the investigation or 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 an act error or omission to which this insurance may also apply. 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 3 4 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this endorsement our obligations are limited as follows Primary Insurance This insurance is primary except when Paragraph c. below applies. If this insurance is primary our obligations are not affected unless any of the other insurance is also primary. Then we will share with all that other insurance by the method described in Paragraph b. below. Method Of Sharing If all of the other insurance permits contribution by equal shares we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains whichever comes first. If any of the other insurance does not permit contribution by equal shares we will contribute by limits. Under this method each insurer s share is based on the ratio of its applicable limits of insurance to the total applicable limits of insurance of all insurers. CG76263 09 Page 30f4 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
c. No Coverage This insurance shall not cover any loss for which the insured is entitled to recovery under any other insurance in force previous to the effective date of this insurance. F. For the purposes of the coverage provided by this endorsement the following definitions are added to the Definitions Section 1. Administration means a. Providing information to employees including 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 included 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 prescription and hearing plans and flexible spending accounts provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan s eligibility requirements b. Profit sharing plans employee savings plans individual retirement account IRA plans employee stock ownership plans pension plans and stock subscription plans provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits c. Unemployment insurance social security benefits workers compensation and disability benefits d. Vacation plans including buy and sell programs leave of absence programs including military maternity family and civil leave tuition assistance plans transportation and health club subsidies and e. Any other similar benefits designated in the Schedule or added thereto by endorsement. G. For the purposes of the coverage provided by this endorsement Definitons 5. and 18. in the Definitions Section are replaced by the following 5. Employee means a person actively employed formerly employed on leave of absence or disabled or retired. Employee includes a leased worker. Employee does not include a temporary worker. 18. Suit means a civil proceeding in which damages 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 insured must submit or does submit with our consent or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. CG76263 09 Page 4of 4 Includes copyrighted material of ISO Properties Inc. with its permission. | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONTRACTORS OCCURRENCE DEFINITION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE PART For the purposes of the coverage provided by this endorsement Section V DEFINITIONS Paragraph 13. is amended to read Occurrence means an accident including continuous or repeated exposure to substantially the same general harmful conditions and also means accidental property damage but does not include faulty workmanship which is the defective condition of an insured s or subcontractor s work without a change or alteration in your work. CGT6442 09 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10of 1 | 2 |
COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. GENERAL LIABILITY SCHOOLS ELITE EXTENSION This endorsement modifies insurance provided under the following COMMERCIAL GENERAL LIABILITY COVERAGE FORM The COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended to include the following clarifications and extensions of coverage. The provisions of the Coverage Form apply unless modified by endorsement. A. CORPORAL PUNISHMENT EXPECTED OR INTENDED INJURY Section Coverage A.2. Exclusion a. is amended as follows a. Bodily injury or property damage expected or intended from the standpoint of the insured. This exclusion does not apply to bodily injury resulting from 1 The use of reasonable force to protect persons or property or 2 Corporal punishment to your student administered by or at the direction of any insured. B. POLLUTION EXCLUSION AMENDMENT FOR SCHOOL ACTIVITIES Section Coverage A.2. Exclusion f.1aiv is added as follows iv Bodily injury or property damage arising out of activities usual to classroom instruction on school premises. C. NON OWNED WATERCRAFT Section Coverage A.2. Exclusion g.2 is amended by replacing subparagraphs 2a and b with the following 2 A watercraft you do not own that is not being used to carry persons or property for a charge D. UNMANNED AIRCRAFT Section Coverage A.2. Exclusion g.2 is amended by adding subparagraph 6 as follows 6 Unmanned aircraft operations as a result of school activities. E. NON OWNED AIRCRAFT Section Coverage A.2. Exclusion g.6 is added as follows 6 Any aircraft not owned or operated by any insured which is hired chartered or loaned with a paid crew. However if the insured has any other valid and collectible insurance for bodily injury or property damage that would be covered under this provision or on any other basis this coverage is then excess. F. BATTERY SOLAR POWERED OR SIMILAR AUTOMOBILE Section Coverage A.2. Exclusion h.2 is replaced by the following 2 The use of mobile equipment in or while in practice for or while being prepared for any prearranged racing speed demolition or stunting activity. However this exclusion does not apply to any battery powered solar powered or similar vehicles owned by you and operated by you or your students in a school approved event. G. PROPERTY DAMAGE ELEVATORS Section Coverage A.2. Exclusions paragraphs j3 j4 j.6 and k. do not apply to use of elevators. This insurance afforded by this provision is excess over any valid and collectible property insurance including any deductible available to the insured and Section IV Commercial General Liability Conditions paragraph 4. Other Insurance is changed accordingly. H. FIRE LIGHTNING OR EXPLOSION DAMAGE Except where it is used in the term hostile fire the word fire includes fire lightning or explosion wherever it appears in the Coverage Form. Under Section Coverage A the last paragraph after the exclusions is replaced with the following Exclusions c. through n. do not apply to damage by fire smoke or leakage from automatic fire protection systems to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section Il Limits of Insurance. I. PERSONAL AND ADVERTISING INJURY LIABILITY Section Coverage B.2. Exclusions is amended as follows Exclusions Paragraphs e. and j.1 are deleted and will not apply to your educational institution operations. mag v o C676991 21 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f8 | 2 |
Exclusion Paragraph k. is replaced by the following Personal and advertising injury arising out of an electronic chatroom or bulletin board the insured hosts owns or over which the insured exercises control. However this exclusion does not apply to internet instruction and coursework which is part of the insured s curriculum over which the insured exercises control. Exclusion paragraph q. is added as follows Personal and advertising injury arising out of unmanned aircraft operations as a result of school activities. MEDICAL PAYMENTS If Section Coverage C. Medical Payments Coverage is not otherwise excluded from this Coverage Form The requirement in the Insuring Agreement of Coverage C. that expenses must be incurred and reported to us within one year of the accident date is changed to three years.. SUPPLEMENTARY PAYMENTS Supplementary Payments Coverages A and B paragraphs 1. 1.b. and 1.d. are replaced by the following b. Up to 5000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit including actual loss of earnings up to 500 a day because of time off from work. 2. Paragraph 1. is amended by adding the following h. We will indemnify any insured for 100 of the attorney s fees and reasonable expenses other than loss of earnings not to exceed a maximum expenditure of 100000 per occurrence which fees and expenditures are incurred in the defense of any criminal action or proceeding arising within the scope of employment brought against the insured and meeting the following conditions 1 Adismissal of the criminal action or 2 A final judgment or conviction must not have been entered against the insured and the insured must not have pled guilty to any criminal offense either felony or misdemeanor and a No reimbursement will be made until the first trial verdict is entered. b No reimbursement will be provided for appeals after a guilty verdict is rendered at the first trial. This coverage does not apply to any retrial upon an entry of mistrial after verdict or to any retrial after appeal. The statement We will pay with respect to any claim we investigate or settle or any suit against an insured we defend does not apply to item 1.h. L. SUBSIDIARIES AS INSUREDS Section Il Who Is An Insured is amended to add the following 1.f. Any legally incorporated subsidiary in which you own more than 50 of the voting stock on the effective date of this policy. However insured does not include any subsidiary that is an insured under any other general liability policy or would have been an insured under such a policy but for termination of that policy or the exhaustion of that policy s limits of liability.. SCHOOL DISTRICT PROFESSIONAL AND INCIDENTAL MALPRACTICE HEALTH CARE SERVICES Section Il Who is an Insured paragraph 2.a. 1 d is amended as follows This exclusion does not apply to any employee or volunteer worker who provides health care services within the scope of their employment or volunteering by you or while performing duties related to the conduct of your business. ii This provision does not apply to Nurses Emergency Medical Technicians or Paramedics who provide professional health care services on your behalf. However this exception does not apply if you are in the business or occupation of providing any such professional services.. COVERAGE FOR INJURY TO CO EMPLOYEES AND OR YOUR OTHER VOLUNTEER WORKERS Section Il Who is an Insured paragraph 2.a. 1 is amended to add the following e Paragraphs a b and c do not apply to your employees or volunteer workers with respect to bodily injury to a coemployee or other volunteer worker. Damages owed to an injured coemployee or volunteer worker will be reduced by any amount paid or available to the injured co employee or volunteer worker under any other valid and collectible insurance.. SAFETY PATROL MEMBER AS ADDITIONAL INSURED Section Il Who is an Insured paragraph 2. is amended to add the following CG76991 21 Includes copyrighted material of ISO Properties Inc. with its permission. Page 20f 8 | 2 |
e. Students who serve as members of your safety This insurance d patrol and the parents or legal guardians of alterations ne those students but only with respect to liability demolition opera arising out of service by the student as a safety that person or org patrol member. b. Any architect P. CLUBS OR ORGANIZATIONS AS ADDITIONAL engaged by you INSURED liability for b Section Il Who is an Insured Paragraph 2. is damage or p amended to add the following Injury caused In acts or omission 1. Any Club or Organization but only with respect of those acting or to its liability for your activities or activities it performs on your behalf. 2. Any officer or member of the Board of Directors 1 In connection 2 In the perfo for the Club or Organization named but only operations. while acting within the scope of their duties as With respect to th such on your behalf. these additional i 3. Any persons who is are club or organization additional exclusi members or volunteer workers but only This insurance c while acting at the direction of and within the injury property scope of their duties for that club or advertising injury organization. rendering of or Q. BLANKET ADDITIONAL INSUREDS AS professional servi REQUIRED BY CONTRACT including 1. Section Il Who Is An Insured is amended to 1 The preparin include as an additional insured any persons prepare or or organizations subject to provisions in drawings of Paragraph 2. below hereinafter referred to as field orders c additional insured when you and such and specifica persons or organizations have agreed in a 2 Supervisory written contract or written agreement that such engineering persons or organizations be added as an additional insured on your policy provided that the written contract or agreement is This exclusion a against any insu other wrongdoing a. Currently in effect or becomes effective employment trz during the policy period and others by that in b. Executed prior to an occurrence or YVhiCh caused offense to which this insurance would property damag apply. caused the p injury involved failure to render by or for you. c. Any manager o However the insurance afforded to such additional insured a. Only applies to the extent permitted by law and leased to you b. Will not be broader than that which you are liability arising required by the contract or agreement to maintenance or provide for such additional insured and premises leased c. Applies only if the person or organization is following addition not specifically named as an additional This insurance dc insured under any other provision of or 1 Any occurre endorsement added to Section Il Who after you cee Is An Insured of this policy. premises. 2. As provided herein the insurance coverage 2 Structural alt provided to such additional insureds is limited or demolition to or on behalf a. Any Controlling Interest but only with d. Any state or respect to their liability arising out of their subdivision or pol financial control of you or premises they the following own maintain or control while you lease or occupy these premises. CG76991 21 Includes copyrighted material of ISO Properties Inc. with its permission. This insurance does not apply to structural alterations new construction and demolition operations performed by or for that person or organization. Any architect engineer or surveyor engaged by you but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your acts or omissions or the acts or omissions of those acting on your behalf 1 In connection with your premises or 2 In the performance of your ongoing operations. With respect to the insurance afforded to these additional insureds the following additional exclusion applies This insurance does not apply to bodily injury property damage or personal and advertising injury arising out of the rendering of or the failure to render any professional services by or for you including 1 The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or 2 Supervisory inspection architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or the failure to render any professional services by or for you. Any manager or lessor of a premises leased to you but only with respect to liability arising out of the ownership maintenance or use of that part of a premises leased to you subject to the following additional exclusions This insurance does not apply to 1 Any occurrence which takes place after you cease to be a tenant in that premises. 2 Structural alterations new construction or demolition operations performed by or on behalf of such additional insured. Any state or governmental agency or subdivision or political subdivision subject to the following C676991 21 Page 30f 8 | 2 |
1 This insurance applies only with respect to the following hazards for which any state or governmental agency or subdivision or political subdivision has issued a permit or authorization in connection with premises you own rent or control and to which this insurance applies a The existence maintenance repair construction erection or removal of advertising signs awnings canopies cellar entrances coal holes driveways manholes marquees hoist away openings sidewalk vaults street banners or decorations and similar exposures or b The construction erection or removal of elevators or c The ownership maintenance or use of any elevators covered by this insurance. This insurance applies only with respect to operations performed by you or on your behalf for which any state or governmental agency or subdivision or political subdivision has issued a permit or authorization. This insurance does not apply to a Bodily injury property damage or personal and advertising injury arising out of operations performed for the federal government state or municipality or Bodily injury or property damage included within the products completed operations hazard. b Any vendor but only with respect to bodily injury or property damage arising out of your products which are distributed or sold in the regular course of the vendor s business. With respect to the insurance afforded to these vendors the following additional exclusions apply 1 The insurance afforded any vendor does not apply to a Bodily injury or property damage for which any vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that any vendor would have in the absence of the contract or agreement Any express warranty unauthorized by you b c Any physical or chemical change in the product made intentionally by any vendor Repackaging except when unpacked solely for the purpose of inspection demonstration testing or the substitution of parts under instructions from the manufacturer and then repackaged in the original container e Any failure to make such inspections adjustments tests or servicing as any vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products f Demonstration installation servicing or repair operations except such operations performed at any vendor s premises in connection with the sale of the product Products which after distribution or sale by you have been labeled or relabeled or used as a container part or ingredient of any other thing or substance by or for any vendor or Bodily injury or property damage arising out of the sole negligence of any vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However this exclusion does not apply to The exceptions contained in Subparagraphs d or f or ii Such inspections adjustments tests or servicihg as any vendor has agreed to make or normally undertakes to make in the usual course of business in connection with the distribution or sale of the products. 2 This insurance does not apply to any insured person or organization from whom you have acquired such products or any ingredient part or container entering into accompanying or containing such products. Any Mortgagee Assignee Or Receiver but only with respect to their liability as mortgagee assignee or receiver and arising out of the ownership maintenance or use of the premises by you. d h CG76991 21 Includes copyrighted material of ISO Properties Inc. with its permission. Page 4 of 8 | 2 |
This insurance does not apply to structural alterations new construction and demolition operations performed by or for that person or organization. Any Owners Or Other Interests From Whom Land Has Been Leased but only with respect to liability arising out of the ownership maintenance or use of that part of the land leased to you. With respect to the insurance afforded to these additional insureds the following additional exclusions apply 1 This insurance does not apply to a Any occurrence which takes place after you cease to lease that land b Structural alterations new construction or demolition operations performed by or on behalf of such additional insured. Any person or organization from whom you lease equipment but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by your maintenance operation or use of equipment leased to you by such persons or organizations. A person s or organization s status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. With respect to the insurance afforded to these additional insureds this insurance does not apply to any occurrence which takes place after the equipment lease expires. Any Owners Lessees or Contractors for whom you are performing operations but only with respect to liability for bodily injury property damage or personal and advertising injury caused in whole or in part by 1 Your acts or omissions or 2 The acts or omissions of those acting on your behalf in the performance of your ongoing operations for the additional insured. A person s or organization s status as an additional insured under this endorsement ends when your operations for that additional insured are completed. With respect to the insurance afforded to these additional insureds the following additional exclusions apply does not apply to structural lew construction and ations performed by or for rganization. Or Other Interests From as Been Leased but only liability arising out of the itenance or use of that part d to you. the insurance afforded to insureds the following sions apply ice does not apply to ccurrence which takes ter you cease to lease that al alterations new stion or demolition ns performed by or on f such additional insured. rganization from whom you it but only with respect to bodily injury property personal and advertising in whole or in part by your operation or use of d to you by such persons S. ganization s status as an d under this endorsement contract or agreement with sed equipment ends. the insurance afforded to insureds this insurance to any occurrence which fter the equipment lease essees or Contractors for performing operations but ect to liability for bodily y damage or personal and y caused in whole or in omissions or omissions of those acting alf ce of your ongoing e additional insured. ganization s status as an d under this endorsement operations for that d are completed. the insurance afforded to insureds the following sions apply This insurance does not apply to 1 Bodily injury property damage or personal and advertising injury arising out of the rendering of or the failure to render any professional architectural engineering or surveying services including a The preparing approving or failing to prepare or approve maps shop drawings opinions reports surveys field orders change orders or drawings and specifications or b Supervisory inspection architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision hiring employment training or monitoring of others by that insured if the occurrence which caused the bodily injury or property damage or the offense which caused the personal and advertising injury involved the rendering of or the failure to render any professional architectural engineering or surveying services. 2 Bodily injury or property damage occurring after a All work including materials parts or equipment furnished in connection with such work on the project other than service maintenance or repairs to be performed by or on behalf of the additional insureds at the location of the covered operations has been completed or That portion of your work out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. Any Grantor of Licenses to you but only with respect to their liability as grantor of licenses to you. Their status as additional insured under this endorsement ends when 1. The license granted to you by such persons or organizations expires or 2. Your license is terminated or revoked by such persons or organizations prior to expiration of the license as stipulated by the contract or agreement. b Includes copyrighted material of ISO Properties Inc. with its permission. Page 50f 8 C676991 21 Page 50f 8 | 2 |
k. Any Grantor of Franchise but only with respect to their liability as grantor of a franchise to you. I. Any Co owner of Insured Premises but only with respect to their liability as co owner of any insured premises. m. Any Concessionaires Trading Under Your Name but only with respect to their liability as a concessionaire trading under your name. 3. Any insurance provided to any additional insured does not apply to bodily injury property damage or personal and advertising injury arising out of the sole negligence or willful misconduct of the additional insured or its agents employees or any other representative of the additional insured. 4. With respect to the insurance afforded to these additional insureds the following is added to Section Il Limits of Insurance If coverage provided to any 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 or b. Available under the applicable Limits of Insurance shown in the Declarations whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. R. NEWLY FORMED OR ACQUIRED ORGANIZATIONS Section Il Who Is An Insured Paragraph 3.a. is replaced by the following 3.a. Coverage under this provision is afforded until the end of the policy period. This provision does not apply if newly formed or acquired organizations coverage is excluded either by the provisions of the Coverage Form or by endorsements. DAMAGE TO PREMISES RENTED TO YOU Section Ill Limits of Insurance paragraph 6. is replaced by the following Subject to 5.a. above the Damage To Premises Rented To You Limit or 500000 whichever is higher is the most we will pay under Coverage A for damages because of property damage to any one premises while rented to you or in the case of damage by fire smoke or leakage from automatic protection systems while rented to you or temporarily occupied by you with permission of the owner. MEDICAL PAYMENTS INCREASED LIMITS Section Ill Limits of Insurance paragraph 7. is replaced by the following u. A 7. Subject to Paragraph 5.a. above 10000 is the Medical Expense Limit we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person unless the amount shown on the Declarations of this Coverage Part for Medical Expense Limit states a No Coverage or b 1000 or c 5000 or d A limit higher than 10000. DUTIES IN THE EVENT OF OCCURRENCE OFFENSE CLAIM OR SUIT Section IV Commercial General Liability Conditions paragraph 2. is amended to add the following e. Your obligation to notify us promptly of an occurrence or offense which may result in a claim or a suit is satisfied if you provide us with the required notice as soon as practicable after your School District Administrator or anyone else designated by you to be responsible for insurance matters is notified or in any manner made aware of an occurrence offense claim or suit. SCHOOL DISTRICT PROFESSIONAL HEALTH CARE SERVICES Section IV Commercial General Liability Conditions paragraph 4. Other Insurance b. Excess Insurance 1a is amended to add the following v That is Professional Health Care Services Insurance. PRIMARY AND NONCONTRIBUTORY ADDITIONAL INSURED EXTENSION Section IV Commercial General Liability Conditions paragraph 4. Other Insurance is amended to add the following This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that 1 The additional insured is a Named Insured under such other insurance and 2 You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. However if the additional insured has been added as an additional insured on other policies whether primary excess contingent or on any other basis this insurance is excess over any other insurance regardless of the written agreement between you and an additional insured. CG76991 21 Includes copyrighted material of ISO Properties Inc. with its permission. Page 6 of 8 | 2 |
X. UNINTENTIONAL FAILURE TO DISCLOSE EXPOSURES Section IV Commercial General Liability Conditions paragraph 6. Representations is amended to add the following If you unintentionally fail to disclose any exposures existing at the inception date of your policy we will not deny coverage under the Coverage Form 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. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Section IV Commercial General Liability Condition paragraph 8. Transfer Of Rights Of Recovery Against Others To Us is amended to add the following We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of Your ongoing operations or 1. Your work included in completed operations hazard. However this waiver applies only when you have agreed in writing to waive such rights of recovery in a written contract or agreement and only if the written contract or agreement 1. s in effect or becomes effective during the term of this policy and 2. Was executed prior to loss SECTION V DEFINITIONS follows 1. MENTAL ANGUISH Definition 3. is replaced by the following Bodily injury means bodily injury sickness or disease sustained by a person including mental anguish or death resulting from bodily injury sickness or disease. 2. DISCRETIONARY EMPLOYEES Definition 5. Employee is replaced by the following the products is amended as Employee includes a leased worker. Employee does not include a temporary worker. However if the insured is an educational institution temporary worker does not include any discretionary employees such as substitute teachers who are acting within the scope of their duties as such. Any such discretionary employee will be considered an employee of the insured. For purposes of this definition discretionary employees are those individual workers who do not have established work hours but do perform regular job duties at the election of the employer and who are paid on the basis of services performed. 3. INSURED CONTRACT Definition 9.a. Insured AA. contract is replaced by the following 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 lightning or explosion to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract EXTENDED PROPERTY DAMAGE COVERAGE Section VI is added as follows Provisions of the Commercial General Liability Coverage Form and related revisions provided in other portions of this Commercial General Liability Amendment apply unless modified by the following SCHEDULE Limits of Insurance Deductible 100000 Each Occurrence 250 Per Claim 100000 Annual Aggregate Information required to complete this Schedule if not shown above will be shown in the Declarations. 1. Insuring Agreement We will pay those sums that the insured becomes legally obligated to pay as damages because of property damage to personal property of others while the property is in an insured s care custody or control or over which an insured is for any purpose exercising physical control. Property damage must arise out of the insured s operations as a school. 2. Exclusions a. Section Coverage A Exclusion 2.j.4 does not apply to coverage provided by this extension. b. Section Coverage A Exclusion 2.l does not apply to an auto loaned to you for use in an automobile shop class. 3. Limits of Insurance a. The Each Occurrence Limit listed above is the most we will pay for damages because of property damage to personal property in the care custody or control of the insured as a result of any one occurrence regardless of the number of 1 Insureds C676991 21 Includes copyrighted material of ISO Properties Inc. with its permission. Page 7 0f 8 | 2 |
4. Deductible a. Our obligation to pay damages on your behalf applies only to the amount of damages in excess of the Deductible amount listed above. b. We may pay any part or all of the Deductible amount to effect settiement of any claim or suit and you shall promptly reimburse us for that part of the Deductible we paid upon notification by us. AB. LIBERALIZATION If we revise this endorsement to provide greater coverage without additional premium charge we will automatically provide the additional coverage to all endorsement holders as of the day the revision is effective in your state. 2 Claims made or suits brought 3 Persons or organizations making claims or bringing suits. The Aggregate Limit listed above is the most we will pay for all damages because of property damage to personal property in your care custody or control during the policy period. Any payments we make for damages because of property damage to personal property in your care custody or control will apply against the General Aggregate Limit shown in the Declarations. CG76991 21 Includes copyrighted material of ISO Properties Inc. with its permission. Page 8 of 8 | 2 |
COMMERCIAL GENERAL LIABILITY 2019 GENERAL LIABILITY MULTISTATE AND STATE SPECIFIC ENDORSEMENT REVISION COMMERCIAL GENERAL LIABILITY COVERAGE PART 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 new and revised endorsements which applies to your renewal policy being issued by us ENDORSEMENTS WITH EITHER BROADENINGS OR REDUCTIONS IN COVERAGE CG2017 Additional Insured Unit owners Of Townhouse Or Homeowner Associations This endorsement is revised to include unit owners of homeowner associations. In addition a provision is added to address restriction of coverage to the unit owner for liability arising out of maintenance use or repair of a portion of the premises common area that is reserved for the unit owner s exclusive use or occupancy e.g. assigned parking area garden plot storage closets or lockers. With respect to unit owners of homeowner associations this represents a broadening of coverage. With respect to unit owners of townhouse associations the provision restricting additional insured status for a unit owner s liability arising out of the ownership maintenance use or repair of that portion of the premises which is reserved for the unit owner s exclusive use or occupancy may be a reduction in coverage. CG2131 Limited Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program This endorsement is revised to add a definition of controlled wrap up insurance program and revise Paragraph A. to emphasize the application of the exclusion to bodily injury and property damage arising out of ongoing operations as well as included within the products completed operations hazard at the locations described in the Schedule. The attachment of this endorsement may result in a reduction of coverage unless If this endorsement replaces the previous version of CG2131 on a policy it may result in a broadening of coverage. If this endorsement replaces CG2154 Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program on a policy it will result in a broadening of coverage. CG2154 Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program This endorsement is revised to add a definition of controlled wrap up insurance program and revise Paragraph A. to emphasize the application of the exclusion to bodily injury and property damage arising out of ongoing operations as well as included within the products completed operations hazard at the locations described in the Schedule. The attachment of this endorsement may result in a reduction of coverage unless if this endorsement replaces the previous version of CG2154 on a policy it may result in a broadening of coverage. CG2236 Exclusion Limited Products And Professional Services Pharmacists This endorsement has been revised to limit the products completed operations hazard exclusion to apply only to bodily injury or property damage arising out of the insured s products dispensed or sold in connection with the pharmacist s services e.g. prescription drugs. If the attachment of this endorsement replaces the prior version of CG2236 it may result in a broadening of coverage. The attachment of this endorsement to a policy not containing the prior version of CG2236 results in a reduction of coverage. CG825412 20 Includes copyrighted material of ISO Properties Inc. with its permission. Page 10f 7 | 2 |
CG2269 Pharmacists This endorsement is revised to Generally address state or federal laws affecting the professional services provided by pharmacists Amend the exclusion for willful violation of a penal statute or ordinance to apply to the willful violation of applicable state or federal laws governing pharmacists not just sales of pharmaceuticals Amend the exclusion for certain specific services performed by a pharmacist to apply to all tests not just blood tests Remove managing drug therapy from the exclusion for certain specific services performed by a pharmacist and Other editorial changes. With respect to removal of managing drug therapy from the exclusion of certain specified services this change may be considered a broadening in coverage. With respect to the amendment to the willful violation exclusion and the amendment to the exclusion for certain specified services related to tests these changes may result in a reduction of coverage. Other changes have no impact on coverage. CG2302 Exclusion Professional Services Pharmacists When this endorsement is attached to your policy it will exclude bodily injury and property damage arising out of rendering of or failure to render professional health care services as a pharmacist but this exclusion does not apply to bodily injury or property damage included within the products completed operations hazard. If the attachment of this endorsement replaces CG2236 Exclusion Limited Products And Professional Services Pharmacists it may result in a broadening of coverage. The attachment of this endorsement to a policy not containing CG2236 results in a reduction of coverage. CG2303 Exclusion Professional Services Optical And Hearing Aid Establishments When this endorsement is attached to your policy it excludes bodily injury and property damage arising out of rendering of or failure to render professional health care services including services in connection with optical goods and hearing aid establishments such as the prescribing or fitting of ophthalmic lenses or hearing aid devices but will not exclude bodily injury and property damage arising out of the products completed operations hazard. If attachment of this endorsement replaces G2237 Exclusion Products And Professional Services Optical And Hearing Aid Establishments it may result in a broadening of coverage. The attachment of this endorsement to a policy not previously containing CG2237 results in a reduction of coverage. CG4007 Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program Limited Exception For Additional Insureds When this endorsement is attached to your policy it will exclude coverage for designated operations covered by a controlled wrap up insurance program but contains a limited exception for additional insureds who are not enrolled in a controlled wrap up insurance program with respect to the location described in the Schedule of the endorsement. The attachment of this endorsement may result in a reduction of coverage unless if this endorsement replaces CG2154 Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program on a policy it will result in a broadening of coverage. CG4008 Limited Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program Limited Exception For Additional Insureds When this endorsement is attached to your policy it will exclude coverage for designated operations covered by a controlled wrap up insurance program unless the wrap up program covering operations designated in the Schedule has been cancelled nonrenewed or otherwise no longer applies for reasons other than exhaustion of available limits. This endorsement also contains a limited exception for any person or organization as an additional insured who is not enrolled in a wrap up insurance program with respect to the location described in the Schedule of the endorsement. The attachment of this endorsement may result in a reduction of coverage unless if this endorsement replaces CG2154 Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program or CG2131 Limited Exclusion Designated Operations Covered By A Controlled Wrap up Insurance Program on a policy it will result in a broadening of coverage. CG4009 Amendment Of Liquor Liability Exclusion Limited Exception For Bring Your Own Alcohol When this endorsement is attached to your policy it will replace the liquor liability exclusion currently in your policy. It applies the exclusion if you manufacture sell or distribute alcoholic beverages and more generally applies the exclusion if you serve or furnish alcoholic beverages whether or not a charge is made or a license is required. It does provide an exception for liability resulting from the intoxication of any person because alcoholic beverages were permitted on your premises for consumption on your premises. CG825412 20 Includes copyrighted material of ISO Properties Inc. with its permission. Page 20f 7 | 2 |
If the attachment of this endorsement replaces Endorsements CG2150 Amendment Of Liquor Liability Exclusion or CG2151 Amendment Of Liquor Liability Exclusion Exception For Scheduled Premises Or Activities it may result in a broadening of coverage. The attachment of this endorsement to a policy not containing endorsements CG2150 or CG2151 results in a reduction of coverage. ENDORSEMENTS THAT ONLY REFLECT A REDUCTION IN COVERAGE CG2011 Additional Insured Managers Or Lessors Of Premises CG2024 Additional Insured Owners Or Other Interests From Whom Land Has Been Leased These endorsements have been revised to delete arising out of and add specific language that provides an additional insured with coverage for their vicarious or contributory negligence only. When these endorsements are attached to your policy there may be a reduction in coverage for those states in which Named insureds are permitted to contractually hold harmless an additional insured for that additional insured s sole negligence and Courts have enabled coverage for the sole negligence of the additional insured. CG2297 Pharmacists Broadened Coverage This endorsement is revised to Generally address state or federal laws affecting the professional services provided by pharmacists Amend the exclusion for willful violation of a penal statute or ordinance to apply to the willful violation of applicable state or federal laws governing pharmacists not just sales of pharmaceuticals Add negligent supervision related language and Other editorial changes. There is no impact on coverage. However the negligent supervision provision may result in a reduction in coverage in states where courts have ruled professional services exclusions to be inapplicable to negligent supervision claims and other similar types of claims. CG3454 Cannabis Exclusion When this endorsement is attached in conjunction with the Limited Product Withdrawal Expense Endorsement CG0436 to your policy it generally excludes product withdrawal expensesrelated exposures associated with cannabis. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for product withdrawal expenses arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the product withdrawal expense does not arise out of your selling serving or furnishing of cannabis to any such person. CG3455 Cannabis Exclusion With Hemp Exception When this endorsement is attached in conjunction with the Limited Product Withdrawal Expense Endorsement CG0436 to your policy it generally excludes product withdrawal expenses related exposures associated with cannabis while also containing an exception addressing product withdrawal expenses arising out of goods or products containing or derived from hemp or damage to such goods or products. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Product withdrawal expenses arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the product withdrawal expense does not arise out of your selling serving or furnishing of cannabis to any such person and Product withdrawal expenses arising out of goods or products containing or derived from hemp including but not limited to i seeds ii food iii clothing iv lotions oils or extracts v building materials or vi paper and product withdrawal expenses incurred by you because of property damage to any such goods or products unless and to the extent any such goods or products are prohibited under an applicable state or local statute regulation or ordinance in the state wherein your products involved in the product withdrawal are located or were located at the time the injury or damage occurred. CG825412 20 Includes copyrighted material of ISO Properties Inc. with its permission. Page 30f 7 | 2 |
CG4001 Genetically Modified Organism Exclusion Endorsement When this endorsement is attached to your policy bodily injury property damage and personal and advertising injury arising out of genetic modification whether by design or accident will be excluded. To the extent that current policy exclusions do not limit liability arising out of genetically modified products attachment of this endorsement to your policy will result in a reduction of coverage. CG4002 Genetically Modified Organism Exclusion For Designated Operations Or Products Endorsement When this endorsement is attached to your policy bodily injury property damage and personal and advertising injury arising out of genetic modification whether by design or accident will be excluded but only with respect to operations or products listed in the Schedule of the endorsement. To the extent that current policy exclusions do not limit liability arising out of genetically modified products attachment of this endorsement to your policy will result in a reduction of coverage. CG4003 Exclusion Athletic Or Sports Participants All Contests Or Exhibitions When this endorsement is attached to your policy it will expressly exclude coverage under Coverage A with respect to operations described in the Schedule of the endorsement for bodily injury to any person while practicing for or participating in any sports or athletic contest or exhibition. If this endorsement is attached as a replacement for CG2101 Exclusion Athletic Or Sports Participants it may result in a restriction in coverage with respect to events the insured does not sponsor. If this endorsement is newly attached to the Policy it may result in a restriction in coverage. CG4004 Exclusion Earth Movement When this endorsement is attached to your policy it will exclude coverage for bodily injury and property damage that arises out of earth movement that is caused by or alleged to have been caused by in whole or in part or aggravated by or alleged to have been aggravated by various operations related to your work as defined within the Policy. To the extent there is an exposure for liability arising out of earth movement as defined within the endorsement that may be caused by alleged to be caused by or aggravated by or alleged to be aggravated by that which is described in the endorsement may result in a restriction of coverage. CG4005 Exclusion Earth Movement Completed Operations When this endorsement is attached to your policy it will exclude coverage for bodily injury and property damage that arises out of earth movement that is caused by or alleged to have been caused by in whole or in part or aggravated by or alleged to have been aggravated by various operations related to your work as defined in the Policy and that is included in the products completed operations hazard also as defined in the Policy. To the extent there is an exposure for liability arising out of earth movement as defined within the endorsement that may be caused by alleged to be caused by or aggravated by or alleged to be aggravated by that which is described in the endorsement may result in a restriction of coverage. CG4006 Earth Movement Exclusion For Designated Operations Or Projects When this endorsement is attached to your policy it will exclude coverage for bodily injury and property damage that arises out of earth movement that is caused by or alleged to have been caused by in whole or in part or aggravated by or alleged to have been aggravated by various operations but only with respect to operations or projects described in the Schedule of the endorsement and as those operations or projects relates to your work as defined within the Policy. To the extent there is an exposure for liability arising out of earth movement as defined within the endorsement that may be caused by alleged to be caused by or aggravated by or alleged to be aggravated by that which is described in the endorsement may result in a restriction of coverage. CG4010 Exclusion Cross Suits Liability When this endorsement is attached to your policy any claim or suit for damages that are brought by any Named Insured against another Named Insured will be excluded. To the extent that an exposure exists with respect to cross suits being brought between Named Insureds the attachment of this endorsement will result in a reduction in bodily injury property damage or personal and advertising injury coverage with respect to such exposure related to cross suits liability. CG4011 Exclusion Hired Auto Liability When this endorsement is attached to a policy this endorsement will exclude liability arising out of a hired auto. To the extent that CG825412 20 Includes copyrighted material of ISO Properties Inc. with its permission. Page 4 of 7 | 2 |
An exposure exists with respect to any hired auto or Liability is assumed under any insured contract for the maintenance use or entrustment of any hired auto the attachment of this endorsement will result in a reduction in bodily injury and property damage liability coverage with respect to such exposures related to any hired auto. CG4012 Exclusion All Hazards In Connection With An Electronic Smoking Device Its Vapor Component Parts Equipment And Accessories When this endorsement is attached to your policy it will generally exclude all bodily injury property damage or personal and advertising injury with respect to an electronic smoking device. To the extent that an exposure exists with respect to an electronic smoking device its vapor component parts equipment and accessories attachment of this endorsement will result in a reduction in coverage. CG4013 Exclusion Health Hazards Electronic Smoking Device Vapor When this endorsement is attached to your policy it will generally exclude bodily injury with respect to vapor delivered from an electronic smoking device. To the extent that an exposure exists with respect to the actual alleged threatened or suspected inhalation of contact with exposure to existence of or presence of vapor delivered from an electronic smoking device or any component part of or equipment or accessory designed for use with an electronic smoking device in connection with the actual alleged threatened or suspected inhalation of contact with exposure to existence of or presence of vapor delivered from an electronic smoking device not otherwise excluded the attachment of this endorsement will result in a reduction in bodily injury coverage. However such reduction in coverage does not apply to coverage for bodily injury arising out of the explosion bursting or rupturing of an electronic smoking device or any component part equipment or accessory designed for use with an electronic smoking device for any reason due to a related exception in the endorsement. CG4014 Cannabis Exclusion When this endorsement is attached to your policy it generally excludes bodily injury property damage and personal and advertising injury related exposures associated with cannabis. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Bodily injury or property damage arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the bodily injury or property damages does not arise out of your selling serving or furnishing of cannabis to any such person and Personal and advertising injury arising out of the offenses addressing in part i false arrest detention or imprisonment and i wrongful eviction. CG4015 Cannabis Exclusion With Hemp Exception When this endorsement is attached to your policy it generally excludes bodily injury property damage and personal and advertising injury related exposures associated with cannabis while also containing an exception generally addressing injury or damage arising out of goods or products containing or derived from hemp or damage to such goods or products. To the extent that an exposure exists with respect to the cannabis related activity or events addressed in this endorsement attachment of this endorsement will result in a reduction in coverage. However due to related exceptions in the endorsement the attachment of this endorsement will not result in a reduction of coverage for Bodily injury or property damage arising out of the actual alleged threatened or suspected inhalation ingestion absorption or consumption of or contact with cannabis by an insured or any other person for whom you are legally responsible but only if the bodily injury or property damages does not arise out of your selling serving or furnishing of cannabis to any such person Personal and advertising injury arising out of the offenses addressing in part i false arrest detention or imprisonment and i wrongful eviction and Bodily injury property damage or personal and advertising injury arising out of goods or products containing or derived from hemp including but not limited to i seeds ii food iii clothing iv lotions oils or extracts v building materials or vi paper and property damage to any such goods or products unless and to the extent any such goods or products are prohibited under an applicable state or local statute regulation or ordinance in the state wherein the i bodily injury or property damage occurs ii occurrence which caused the bodily injury or property damage takes place or iii the offense which caused the personal and advertising injury was committed. CG825412 20 Includes copyrighted material of ISO Properties Inc. with its permission. Page 50f 7 | 2 |
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