Insurance Dec Page New Albany Park Condominium Association

Transcription

1 Insurance Dec Page New Albany Park Condominium Association

2 One Bala Plaza, Suite 100, Bala Cynwyd, Pennsylvania Fax PHLY.com 01/09/2017 New Albany Park Condominium Association 230 West St Ste 200 C/O Lifestyle Property Mgt. Columbus, OH PHPK Dear Valued Customer: Thank you very much for choosing Philadelphia Indemnity Insurance Company for your insurance needs. Our first class customer service, national presence and A++ (Superior) A. M. Best financial strength rating have made us the selection by over 550,000 policyholders nationwide. I realize you have a choice in insurance companies and truly appreciate your business. I wish you much success this year and look forward to building a mutually beneficial business partnership which will prosper for years to come. Welcome to PHLY and please visit PHLY.com to learn more about our Company! Sincerely, Robert D. O Leary Jr. President & CEO Philadelphia Insurance Companies RDO/sm Philadelphia Consolidated Holding Corp. Philadelphia Indemnity Insurance Company Tokio Marine Specialty Insurance Co Maguire Insurance Agency, Inc.

3 Enroll Today! Receive Invoices Electronically Pay Your Bills Online Set Up Recurring Payments Available 24/7 Safe and Secure NO FEE! Environmentally Friendly Pay Your Bill Online To pay your bills online you will need a User ID and Password to access our website. If you don t have a User ID please create one by visiting If you have a User ID, please login and click on Online Bill Pay and enter the necessary information to pay your bills. Philadelphia Insurance Companies accepts electronic checks (a debit from your checking or savings account) as a method of payment. Please allow 2 to 3 business days for your payment to post to your account. This service is offered free of charge. Please note that credit card payments cannot be made online. Recurring Payment Customers that receive their bill directly (and not from their agent) can sign up for recurring payment via automatic withdrawals from a checking, savings, or money market account for direct bill policies. If you do not already have an account on PHLY.com you will need to create one by visiting Once logged in please refer to Links for You and click the Recurring Payment Instructions to learn how to enroll. You can also click the Online Bill Pay tab on the left hand side to enroll in Recurring Payment. How to Create an Account on PHLY.com 1. Go to 2. Select the applicable BUTTON (insured or producer). 3. Complete the information on the page: You will CREATE your own USER NAME and PASSWORD. The password must be at least 7 characters and contain one number, one lower case letter, and one capital letter. 4. Click CONTINUE when done. 5. On the next page, complete the PASSWORD RESET QUESTION. If you ever forget your password, we will ask you this security question and you will enter the answer you have selected. 6. Once you have received the page that states: CONTINUE TO MY PHLY, then you have successfully created the account. Ed

4 Making Things Easier for You! PHLY CUSTOMER SERVICE Did you know The Loss Assistance Hotline provides Management & Professional Liability policyholders with two FREE HOURS of legal consultation with knowledgeable attorneys on any matter that could potentially result in a claim under a PHLY policy You can review billing and payment history online For example: Payment verifications go to MyPHLY on PHLY.com You can pull up and print your invoices and policy documents online You can update your profile online For example: Billing address or contact information changes We offer live help within seconds: No complicated phone systems 94.4% of our policyholders would refer us to prospective customers* We provide 48 hour turnaround time on small business quotes and policy issuance in less than 10 days We provide interest free installments for accounts that generate at least $2,000 in premium Frequently Asked Questions How can I get information about my insurance? There are 5 different ways to contact Customer Service Customer Service Customer Service Fax Customer Service custserv@phly.com Customer Service online chat PHLY.com Contact Us When can I contact Customer Service? Customer Service is available Monday - Friday from 8:30 a.m. - 8:00 p.m. EST What forms of payment does PHLY accept? PHLY accepts 3 forms of payment: Check sent to the lock box Check by phone payments through our IVR ( Option 1), website, or contact center representatives Credit card payments through our live contact center representatives (Visa, MasterCard, and American Express) Claims Average policyholder first party automobile losses settled in 10 days or less Same or next business day acknowledgements of newly reported and opened claims Claims representation nationally with Commercial Liability Claims Examiner Niche expertise 24/7 claims service. Staff efficiencies with paperless and industry leading systems Staff of Subrogation and Recovery Examiners exclusively dedicated to recovery efforts for policyholder paid losses Experienced, consistent staff and department structure Risk Management Services National network of in-house risk management professionals providing direct support to policyholders Product specific web-based risk management solutions through PHLY.com Interactive Driver Training online courses and examination at no additional charge Regular e-flyer communications on relevant risk management issues Strategic partnerships with best-in-class vendors for discounted MVR checks, abuse training, GPS, and many more Automatically included on most accounts PHLY Bell Endorsement - Includes $50,000 limits each for Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, Workplace Violence Counseling. $25,000 limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest ($5,000 per employee), Temporary Meeting Space Reimbursement, and $1,500 Travel Delay Reimbursement. Honors, Awards, and Ratings America s Top 150 Workplaces Best Places to Work in Insurance (4th consecutive year) Stevie Awards ACE Awards Top Workplaces in Philadelphia Ward s Top 50 (13th consecutive year) National Underwriter Top 100 Insurance Groups (Tokio Marine) #29 National Underwriter Top 100 Insurance Companies #41 Philadelphia Insurance Companies is the marketing name for the insurance company subsidiaries of the Philadelphia Consolidated Holding Corp., a Member of the Tokio Marine Group. Coverage(s) described may not be available in all states and are subject to Underwriting and certain coverage(s) may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds Philadelphia Consolidated Holding Corp., All Rights Reserved. *All statistics contained herein were generated via an internal company survey of active policy holders. Ed PHLY.com

5 Risk Management Services PHLY RISK MANAGEMENT SERVICES Welcome to PHLY Risk Management Services, PHLY is familiar with the unique Risk Management Services programming needs of you organization and has achieved superior results in this area. We are committed to delivering quality and timely loss prevention services and risk control products to your organization. Customer satisfaction through the delivery of these professional products to achieve measurable risk improvement results is our goal. We know the fulfillment of our Risk Management Services commitment is not complete until we deliver upon our promises. OUR MISSION: We welcome the opportunity to demonstrate how we can tailor a risk management program suitable to our customer s needs. We are committed to providing our customers with improved communications, quicker implementation of loss control servicing initiatives, and specific benchmarking goals that help us quantify the true value of our services. OUR MOTTO: Innovative Services Producing Optimum Results: This mantra reflects our commitment to utilize innovative products and solutions to help our customers achieve measurable results. Customer satisfaction through the delivery of these quality professional products is our goal. We know the fulfillment of our Risk Management Services commitment is not complete until we deliver upon our promises. In order to gain full access to these resources and others, please take a moment to register on our website. If you already have an id to PHLY.com, please login to access Risk Management Services resources. Risk Management Resources AbusePrevention Systems/Ministry Safe Human Services - Abuse Prevention Training Home Health Aides - Abuse Prevention Training PHLY Risk Management Services e-training PureSafety (online driver training course) PureSafety (online safety training & software for incident, injury and illness management) Nonprofit Risk Management Center IntelliCorp Records, Inc. SafetyFirst (fleet monitoring program) WEMED Loss Assistance Hotline in2vate: Web-enabled EPLI (employment practices liability insurance) Risk Management Services Safe-Wise: Youth Services Organizations & Aquatics Proprietary Risk Management Services PHLY Risk Management Services E-flyers Large Account Service Capabilities Loss Trend Analysis/Risk Management Information System Responding to Risk Management Services Recommendations Outside the Box epic Risk Management Services (unbundled for fee) Contact For more information please contact: Customer Service IMPORTANT NOTICE - The information and suggestions presented by Philadelphia Indemnity Insurance Company in this e-brochure is for your consideration in your loss prevention efforts. They are not intended to be complete or definitive in identifying all hazards associated with your business, preventing workplace accidents, or complying with any safety related, or other, laws or regulations. You are encouraged to alter them to fit the specific hazards of your business and to have your legal counsel review all of your plans and company policies. Philadelphia Insurance Companies is the marketing name for the insurance company subsidiaries of the Philadelphia Consolidated Holding Corp., a Member of the Tokio Marine Group. Your insurance policy, and not the information contained in this document, forms the contract between you and your insurance company. If there is a discrepancy or conflict between the information contained herein and your policy, your policy takes precedence. All coverages are not available in all states due to state insurance regulations. Certain coverage(s) may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds Philadelphia Consolidated Holding Corp., All Rights Reserved. Ed PHLY.com

6 Philadelphia Indemnity Insurance Company Commercial Lines Policy THIS POLICY CONSISTS OF: DECLARATIONS COMMON POLICY CONDITIONS ONE OR MORE COVERAGE PARTS. A COVERAGE PART CONSISTS OF: ONE OR MORE COVERAGE FORMS APPLICABLE FORMS AND ENDORSEMENTS BJP (12-98)

7 IN WITNESS WHEREOF, we have caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless signed by our authorized representative. President & CEO Secretary BJP (12-98)

8 PHILADELPHIA INSURANCE COMPANIES PRIVACY POLICY NOTICE Philadelphia Indemnity Insurance Company PP (06/15) The Philadelphia Insurance Companies value your privacy and we are committed to protecting personal information that we collect during the course of our business relationship with you. The collection, use and disclosure of certain nonpublic personal information are regulated by law. This notice is for your information only and requires no action on your part. It will inform you about the types of information that we collect and how it may be used or disclosed. This does not reflect a change in the way we do business or handle your information. Information We Collect: We collect personal information about you from the following sources: Applications or other forms such as claims forms or underwriting questionnaires completed by you; Information about your transactions with us, our affiliates or others; and Depending on the type of transaction you are conducting with us, information may be collected from consumer reporting agencies, health care providers, employers and other third parties. Information We Disclose: We will only disclose the information described above to our affiliates and non-affiliated third parties, as permitted by law, and when necessary to conduct our normal business activities. For example, we may make disclosures to the following types of third parties: Your agent or broker (producer); Parties who perform a business, professional or insurance functions for our company, including our reinsurance companies; Independent claims adjusters, investigators, attorneys, other insurers or medical care providers who need information to investigate, defend or settle a claim involving you; Regulatory agencies in connection with the regulation of our business; and Lienholders, mortgagees, lessors or other persons shown on our records as having a legal or beneficial interest in your policy. We do not sell your information to others for marketing purposes. We do not disclose the personal information of persons who have ceased to be our customers. Protection of Information: The Philadelphia Insurance Companies maintain physical, electronic and procedural safeguards that comply with state and federal regulations to protect the confidentiality of your personal information. We also limit employee access to personally identifiable information to those with a business reason for knowing such information. Use of Cookies and Opt-Out: We may place electronic cookies in the browser files of your computer when you access our website. Cookies are text files placed on your computer to enable our systems to recognize your browser and so that we may tailor information on our website to your interests. We or our third party service providers or business partners may place cookies on your computer s hard drive to enable us to match personal information that we maintain about you so that we are able to prepopulate on-line forms with your information. We also use cookies to help us analyze traffic on our website to better understand your interests. Although we do not use your non-public personal information for this purpose, you may optout of cookies and advertising features through one of the available options including but not limited to Ads Settings in Google.com or the Network Advertising Initiative (NAI) Consumer Opt-out. Opting out does not mean you will no longer receive online advertising. It does mean that companies from which you opted out will no longer customize ads based on your interests and web usage patterns using cookies. How to Contact Us: Philadelphia Insurance Companies, One Bala Plaza, Suite 100, Bala Cynwyd, PA Attention: Chief Privacy Officer

9 Philadelphia Indemnity Insurance Company COMMON POLICY DECLARATIONS Policy Number: PHPK Named Insured and Mailing Address: New Albany Park Condominium Association 230 West St Ste 200 C/O Lifestyle Property Mgt. Columbus, OH Producer: Bowers Insurance Agency, Inc 5108 Cemetary Rd. Hilliard, OH (614) Policy Period From: 01/08/2017 To: 01/08/2018 at 12:01 A.M. Standard Time at your mailing address shown above. Business Description: Condominium Association IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, W E AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR W HICH A PREMIUM IS INDICATED. THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. PREMIUM Commercial Property Coverage Part 8, Commercial General Liability Coverage Part Commercial Crime Coverage Part Commercial Inland Marine Coverage Part Commercial Auto Coverage Part Businessowners Workers Compensation UltimateCover Property Coverage Part 7RWDO 85, $ 94, , Total Includes Federal Terrorism Risk Insurance Act Coverage FORM (S) AND ENDORSEMENT (S) MADE A PART OF THIS POLICY AT THE TIME OF ISSUE Refer To Forms Schedule *Omits applicable Forms and Endorsements if shown in specific Coverage Part/Coverage Form Declarations CPD- PIIC (06/14) Secretary President and CEO

10 Philadelphia Indemnity Insurance Company Form Schedule Policy Policy Number: PHPK Forms and Endorsements applying to this Coverage Part and made a part of this policy at time of issue: Form Recurring Payment Flyer CSNotice-1 BJP PP2015 CPD-PIIC Location Schedule PI-BELL-1 PI-CME-1 IL0017 IL0021 IL0244 IL0985 Edition Description Recurring Payment Flyer Making Things Easier Commercial Lines Policy Jacket Privacy Policy Notice Common Policy Declarations Location Schedule Bell Endorsement Crisis Management Enhancement Endorsement Common Policy Conditions Nuclear Energy Liability Exclusion Endorsement Ohio Changes - Cancellation and Nonrenewal Disclosure Pursuant To Terrorism Risk Insurance Act Page 1 of 1

11 Locations Schedule Philadelphia Indemnity Insurance Company Policy Number: PHPK Prems. Bldg. No. No. Address ,5795,5797,5801 Andrew John Dr New Albany, OH (odd) Andrew John Dr New Albany, OH (even)Stallion Dr; (odd) Andrew John;7051,7055 Gallant Fox New Albany, OH (even)Quarterhorse Ct; (odd)gallant Fox;5836,5840 Andrew J Dr New Albany, OH ,5827,5829,5833,5835,5839Stallion Dr New Albany, OH ,5797,5799,5803,5805,509Stallion Dr New Albany, OH ,7010,7012,7016,7018, Churchill Downs Dr New Albany, OH ,7009,7011,7015,7017,7021 Gallant Fox Dr New Albany, OH ,5792,5794,5798,5800,5804 Aristides Way New Albany, OH ,5822,5824,5828,5830,5834 Aristides Way New Albany, OH (odd) New Albany Rd New Albany, OH (even) Andrew John Dr New Albany, OH (odd) New Albany Rd New Albany, OH (even) Andrew John Dr New Albany, OH Page 1 of 5

12 Locations Schedule Philadelphia Indemnity Insurance Company Policy Number: PHPK Prems. Bldg. No. No. Address (odd) New Albany Rd New Albany, OH (even) Andrew John Dr New Albany, OH (even)Gallant Fox Dr; (odd)monarchos Dr New Albany, OH (even)Gallant Fox Dr; (odd)monarchos Dr;5855,5857 Andrew J Dr New Albany, OH New Albany Rd W New Albany, OH (even) Andrew John Dr New Albany, OH (even)Monarchos Dr; (odd)needles Dr;5875,5877 Andrew John Dr New Albany, OH ,6940,6942,6946,6948,6952 Churchill Downs Dr New Albany, OH (even) Colts Gate Dr New Albany, OH ,5742,5744,5748,5750,5754 Colts Gate Dr New Albany, OH (even)Monarchos Dr; (odd) Pleasant Colony;5872,5876Aristides New Albany, OH Monarchos Dr; (odd) Pleasant Colony Dr New Albany, OH (even)Gallant Fox Dr; (odd)monarchos Dr;5852,5856 Aristides New Albany, OH Page 2 of 5

13 Locations Schedule Philadelphia Indemnity Insurance Company Policy Number: PHPK Prems. Bldg. No. No. Address (even) Colts Gate Dr New Albany, OH (odd) Colts Gate Dr New Albany, OH ,5741,5743,5747,5749,5753 Colts Gate Dr New Albany, OH (odd) Colts Gate Dr New Albany, OH (even) Central College Rd New Albany, OH (even) Central College Rd New Albany, OH ,7058 Needles Dr; (odd) Pleasant Colony; (odd)A J Dr New Albany, OH ,7050,7052,7056,7058,7062 Hill Gail Dr New Albany, OH ,7080,7082,7086,7088,7092 Hill Gail Dr New Albany, OH ,5981,5983,5987,5989,5993 Thunder Gulch Dr New Albany, OH ,5955,5957,5961,5963,5967 Thunder Gulch Dr New Albany, OH ,5993,5995,5999,6001,6005 Andrew John Dr New Albany, OH ,5961,5963,5967,5969,5973 Andrew John Dr New Albany, OH Page 3 of 5

14 Locations Schedule Philadelphia Indemnity Insurance Company Policy Number: PHPK Prems. Bldg. No. No. Address ,7019,7021,7025,7027,7031 Cavalcade Dr New Albany, OH ,7049,7051,7055,7057,7061 Cavalcade Dr New Albany, OH (even)Silver Charms; (odd)ferdinand;7087,7091 Hill Gail Dr New Albany, OH (even)Silver Charms; (odd)ferdinand;7058,7062 Cavalcade Dr New Albany, OH ,7092,7094,7098,7100,7104 Fonso Dr New Albany, OH ,7091,7093,7097,7099,7103 Fonso Dr New Albany, OH ,7090,7092,7096,7098,7102Donerail Dr New Albany, OH ,7089,7091,7095,7097,7101Donerail Dr New Albany, OH (even)Thunder Gulch; (odd)silver Charms;7061,7065 Hill Gail New Albany, OH (odd)Silver Charms; (even)thunder Gulch;7032,7036 Cavalcade New Albany, OH ,5992,5994,5998,6002,6006 Andrew John Dr New Albany, OH New Albany Rd W Detached Garages New Albany, OH New Albany Rd W Clubhouse New Albany, OH Page 4 of 5

15 Locations Schedule Philadelphia Indemnity Insurance Company Policy Number: PHPK Prems. Bldg. No. No. Address New Albany Rd W Poolhouse/Swimming Pool New Albany, OH Page 5 of 5

16 COMMERCIAL GENERAL LIABILITY CG P RECORDING AND DISTRIBUTION OF MATERIAL OR INFORMATION IN VIOLATION OF LAW EXCLUSION ENDORSEMENT ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your renewal policy being issued by us: Recording And Distribution Of Material Or Information In Violation Of Law Exclusion Endorsement CG This endorsement replaces the current Distribution Of Material In Violation Of Statutes Exclusion in your policy with a revised exclusion, newly titled Recording And Distribution Of Material Or Information In Violation Of Law Exclusion. The revised exclusion contains language that elaborates on the intent of the Distribution Of Material In Violation Of Statutes Exclusion to reflect that, in addition to the TCPA and CAN-SPAM Act of 2003, the exclusion will more explicitly exclude liability coverage for bodily injury, property damage or personal and advertising injury arising out of any action or omission that violates, or is alleged to violate, the Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA) and any other similar federal, state or local statute, ordinance or regulation concerning disposal and dissemination of personal information. CG P Insurance Services Office, Inc., 2008 Page 1 of 1

17 Philadelphia Indemnity Insurance Company COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS Policy Number: PHPK Agent # See Supplemental Schedule LIMITS OF INSURANCE $ 2,000,000 General Aggregate Limit (Other Than Products Completed Operations) $ 2,000,000 Products/Completed Operations Aggregate Limit $ 1,000,000 Personal and Advertising Injury Limit (Any One Person or Organization) $ 1,000,000 Each Occurrence Limit $ 100,000 Rented To You Limit (Any One Premises) $ 5,000 Medical Expense Limit (Any One Person) FORM OF BUSINESS: ASSOCIATION Business Description: Condominium Association Location of All Premises You Own, Rent or Occupy: SEE SCHEDULE ATTACHED AUDIT PERIOD, ANNUAL, UNLESS OTHERWISE STATED: This policy is not subject to premium audit. Rates Advance Premiums Classifications Code No. Premium Basis Prem./ Ops. Prod./ Comp. Ops Prem./ Ops. Prod./ Comp. Ops. SEE SCHEDULE ATTACHED TOTAL PREMIUM FOR THIS COVERAGE PART: $ 8, $ RETROACTIVE DATE (CG ONLY) This insurance does not apply to "Bodily Injury", "Property Damage", or "Personal and Advertising Injury" which occurs before the retroactive date, if any, shown below. Retroactive Date: NONE FORM (S) AND ENDORSEMENT (S) APPLICABLE TO THIS COVERAGE PART: Refer To Forms Schedule Countersignature Date Authorized Representative

18 Philadelphia Indemnity Insurance Company Form Schedule General Liability Policy Number: PHPK Forms and Endorsements applying to this Coverage Part and made a part of this policy at time of issue: Form CGP011 Gen Liab Dec Gen Liab Schedule CG0001 CG2002 CG2004 CG2106 CG2146 CG2147 CG2167 CG2170 CG2402 CG2416 PI-CO-5 PI-CO-6 PI-GL-001 PI-GL-002 Edition Description Recording and Distribution of Material or Information Commercial General Liability Coverage Part Declaration General Liability Schedule Commercial General Liability Coverage Form Additional Insured - Club Members Addl Ins - Condominium Unit Owners Excl-Access/Disclosure-With Ltd Bodily Injury Except Abuse Or Molestation Exclusion Employment-Related Practices Exclusion Fungi or Bacteria Exclusion Cap On Losses From Certified Acts Of Terrorism Binding Arbitration Canoes Or Rowboats Exclusion - Subsidence General Liability Deluxe Endt: Condominium Association Exclusion - Lead Liability Exclusion - Asbestos Liability Page 1 of 1

19 Philadelphia Indemnity Insurance Company COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL SCHEDULE Policy Number: PHPK Agent # Classifications Code No. Premium Rates Advance Premiums Basis Prem./ Prod./ Prem./ Prod./ Ops. Comp. Ops. Ops. Comp. Ops. OH PREM NO. 001 CONDO-RESIDENTIAL PROD/COMP OP SUBJ TO GEN AGG LIMIT UNIT INCL 7,260 INCL OH PREM NO. 001 SWIMMING POOL-NOC PROD/COMP OP SUBJ TO GEN AGG LIMIT POOL INCL 362 INCL OH PREM NO. 001 CLUB-CIVIC-BLDG OWN/LEASE-NFP PROD/COMP OP SUBJ TO GEN AGG LIMIT AREA 4, INCL 473 INCL OH LIABILITY DELUXE INCL

20 POLICY NUMBER: Philadelphia Indemnity Insurance Company PHPK BUSINESS AUTO DECLARATIONS COMMERCIAL AUTO CA DS ITEM ONE Named Insured and Mailing Address: New Albany Park Condominium Association 230 West St Ste 200 C/O Lifestyle Property Mgt. Columbus, OH From: 01/08/2017 To: 01/08/2018 Previous Policy Number: PHPK Policy Period At 12:01 AM Standard Time at your mailing address shown above Form Of Business: ASSOCIATION In return for the payment of the premium, and subject to all the terms of this policy, we agree with you to provide the insurance as stated in this policy. Premium shown is payable at inception: $ Audit Period (If Applicable): Annually Semiannually Quarterly Monthly Endorsements Attached To This Policy See Schedule Attached Name: Countersignature Of Authorized Representative Title: Signature: Date: CA DS Insurance Services Office, Inc., 2009 Page 1 of 13

21 ITEM TWO Schedule Of Coverages And Covered Autos This policy provides only those coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those "autos" shown as covered "autos". "Autos" are shown as covered "autos" for a particular coverage by the entry of one or more of the symbols from the Covered Autos Section of the Business Auto Coverage Form next to the name of the coverage. Coverages Covered Autos Limit Premium Liability 08, 09 $ 1,000,000 CSL $ Personal Injury Protection (Or Equivalent No-fault Coverage) Added Personal Injury Protection (Or Equivalent Added No-fault Coverage) Property Protection Insurance (Michigan Only) Auto Medical Payments Medical Expense And Income Loss Benefits (Virginia Only) Separately Stated In Each Personal Injury Protection Endorsement Minus $ Deductible Separately Stated In Each Added Personal Injury Protection Endorsement Separately Stated In The Property $ Protection Insurance Endorsement Minus $ Deductible For Each Accident $ $ Separately Stated In The Medical Expense And Income Loss Benefits Endorsement $ $ $ Uninsured Motorists $ $ Underinsured Motorists (When Not Included In Uninsured Motorists Coverage) $ $ Page 2 of 13 Insurance Services Office, Inc., 2009 CA DS

22 ITEM TWO Schedule Of Coverages And Covered Autos (Cont'd) Coverages Physical Damage Comprehensive Coverage Covered Autos Limit Premium Actual Cash Value Or Cost Of Repair, $ Whichever Is Less, Minus $ Deductible For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire Or Lightning Physical Damage Specified Causes Of Loss Coverage Physical Damage Collision Coverage See Item Four for Hired or Borrowed Autos. Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ 25 Deductible For Each Covered Auto For Loss Caused By Mischief Or Vandalism See Item Four for Hired or Borrowed Autos. Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible For Each Covered Auto $ $ Physical Damage Towing And Labor See Item Four for Hired or Borrowed Autos. $ For Each $ Disablement Of A Private Passenger Auto Terrorism All Per Coverage Endorsement $ 1.00 *This policy may be subject to final audit. Premium For Endorsements $ Estimated Total Premium* $ CA DS Insurance Services Office, Inc., 2009 Page 3 of 13

23 ITEM THREE Schedule Of Covered Autos You Own Covered Auto Number: Town And State Where The Covered Auto Will Be Principally Garaged: SEE SCHEDULE ATTACHED Covered Auto Description Year: Model: Trade Name: Body Type: Serial Number (S): Vehicle Identification Number (VIN): Purchased Original Cost New: $ Actual Cost New Or Used: $ New Used Classification Radius Of Operation Business Use s=service r=retail c=commercial Size GVW, GCW Or Vehicle Seating Capacity Age Group Secondary Rating Classification Code SEE SCHEDULE ATTACHED Except For Towing, All Physical Damage Loss Is Payable To You And The Loss Payee Named Below According To Their Interests In The Auto At The Time Of The Loss: SEE SCHEDULE(S) Page 4 of 13 Insurance Services Office, Inc., 2009 CA DS

24 ITEM THREE Schedule Of Covered Autos You Own (Cont'd) Coverages Premiums, Limits And Deductibles (Absence of a deductible or limit entry in any column below means that the limit or deductible entry in the corresponding Item Two column applies instead.) Coverages Limit Premium Liability $ $ SEE SCHEDULE ATTACHED Personal Injury Protection Stated In Each Personal Injury Protection Endorsement Minus $ Deductible $ Added Personal Injury Protection Property Protection Insurance (Michigan Only) Stated In Each Added Personal Injury Protection Endorsement Stated In The Property Protection Insurance Endorsement Minus $ Deductible $ $ Auto Medical Payments Medical Expense And Income Loss Benefits (Virginia Only) $ $ Stated In The Medical Expense And Income Loss Benefits Endorsement For Each Person Comprehensive Stated In Item Two Minus $ $ Deductible $ Specified Causes Of Loss Stated In Item Two Minus $ $ 25 Deductible Collision Stated In Item Two Minus $ $ Deductible Towing And Labor $ Per Disablement $ Total Premiums Liability $ Personal Injury Protection $ Added Personal Injury Protection $ Property Protection Insurance (Michigan Only) $ Auto Medical Payments $ Medical Expense And Income Loss Benefits (Virginia Only) $ Comprehensive $ Specified Causes Of Loss $ Collision $ Towing And Labor $ SEE SCHEDULE ATTACHED CA DS Insurance Services Office, Inc., 2009 Page 5 of 13

25 ITEM FOUR Schedule Of Hired Or Borrowed Covered Auto Coverage And Premiums Liability Coverage Cost Of Hire Rating Basis For Autos Used In Your Motor Carrier Operations (Other Than Mobile Or Farm Equipment) Estimated Annual Liability Coverage Cost Of Hire For All States Premium Primary Coverage $ SEE SCHEDULE, IF APPLICABLE $ Excess Coverage $ SEE SCHEDULE, IF APPLICABLE $ Total Premium $ For "autos" used in your motor carrier operations, cost of hire means: (a) The total dollar amount of costs you incurred for the hire of automobiles (includes "trailers" and semitrailers), and if not included therein, (b) The total remunerations of all operators and drivers' helpers, of hired automobiles whether hired with a driver by lessor or an "employee" of the lessee, or any other third party, and (c) The total dollar amount of any other costs (i.e., repair, maintenance, fuel, etc.) directly associated with operating the hired automobiles whether such costs are absorbed by the "insured", paid to the lessor or owner, or paid to others. Liability Coverage Cost of Hire Rating Basis For Autos NOT Used In Your Motor Carrier Operations (Other Than Mobile Or Farm Equipment) Liability Coverage State Estimated Annual Cost Of Hire For Each State Primary Coverage $ SEE SCHEDULE, IF APPLICABLE $ Premium Excess Coverage $ SEE SCHEDULE, IF APPLICABLE $ Total Premium $ For "autos" NOT used in your motor carrier operations, cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners or "employees" or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. Page 6 of 13 Insurance Services Office, Inc., 2009 CA DS

26 ITEM FOUR Schedule Of Hired Or Borrowed Covered Auto Coverage And Premiums (Cont'd) Physical Damage Coverages Cost of Hire Rating Basis For All Autos (Other Than Mobile Or Farm Equipment) Estimated Annual Cost Of Hire For Each State (Excluding Autos Coverage State Limit Of Insurance Hired With A Driver) Comprehensive Actual Cash Value Or Cost Of $ $ Repair, Whichever Is Less, Minus $ Deductible For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire Or Lightning Specified Causes Of Loss Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ $ Premium See Schedule, If Applicable Collision $ Deductible For Each Covered Auto For Loss Caused By Mischief Or Vandalism Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Deductible For Each Covered Auto $ $ Total Premium $ For Physical Damage Coverages, cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners or "employees" or their family members). Cost of hire does not include charges for any "auto" that is leased, hired, rented or borrowed with a driver. CA DS Insurance Services Office, Inc., 2009 Page 7 of 13

27 ITEM FOUR Schedule Of Hired Or Borrowed Covered Auto Coverage And Premiums (Cont'd) Cost Of Hire Rating Basis For Mobile Or Farm Equipment Other Than Physical Damage Coverages Estimated Annual Cost Of Hire For Each State Premium Coverage Liability Primary Coverage Liability Excess Coverage Personal Injury Protection Medical Expense Benefits (Virginia Only) Income Loss Benefits (Virginia Only) Auto Medical Payments State Mobile Equipment Farm Equipment Mobile Equipment Farm Equipment $ $ $ $ $ $ $ $ See Schedule, If Applicable $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Total Premiums $ See Schedule, If Applicable Cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners or "employees" or their family members). Cost of hire does not include charges for services performed by motor carriers of property or passengers. Page 8 of 13 Insurance Services Office, Inc., 2009 CA DS

28 ITEM FOUR Schedule Of Hired Or Borrowed Covered Auto Coverage And Premiums (Cont'd) Cost Of Hire Rating Basis For Mobile Or Farm Equipment Physical Damage Coverages Estimated Annual Cost Of Hire For Each State (Excluding Autos Hired With A Driver) Premium Coverage State Comprehensive Specified Causes Of Loss Collision Limit Of Insurance Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Ded. For Each Covered Auto, But No Deductible Applies To Loss Caused By Fire Or Lightning Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Ded. For Each Covered Auto For Loss Caused By Mischief Or Vandalism Actual Cash Value Or Cost Of Repair, Whichever Is Less, Minus $ Ded. For Each Covered Auto Mobile Equipment Farm Equipment Mobile Equipment $ $ $ $ See Schedule, If Applicable $ $ $ $ $ $ $ $ Farm Equipment Total Premiums $ See Schedule, If Applicable For Physical Damage Coverages, cost of hire means the total amount you incur for the hire of "autos" you don't own (not including "autos" you borrow or rent from your partners or "employees" or their family members). Cost of hire does not include charges for any auto that is leased, hired, rented or borrowed with a driver. CA DS Insurance Services Office, Inc., 2009 Page 9 of 13

29 ITEM FOUR Schedule Of Hired Or Borrowed Covered Auto Coverage And Premiums (Cont'd) Rental Period Rating Basis For Mobile Or Farm Equipment Coverage Liability Primary Coverage Town and State Where The Job Site Is Located Estimated Number Of Days Equipment Will Be Rented Mobile Equipment Premium Farm Equipment Mobile Equipment Farm Equipment $ $ Liability Excess Coverage Personal Injury Protection Medical Expense Benefits (Virginia Only) Income Loss Benefits (Virginia Only) Auto Medical Payments $ $ $ $ $ $ $ $ $ $ Total Premiums $ $ Page 10 of 13 Insurance Services Office, Inc., 2009 CA DS

30 ITEM FIVE Schedule For Non-ownership Liability Named Insured's Business Rating Basis Number Premium Other Than Garage Service Number Of Employees 5 $ Operations And Other Than Number Of Partners Social Service Agencies (Active and Inactive) $ Garage Service Operations Number Of Employees Whose $ Principal Duty Involves The Operation Of Autos Number Of Partners $ (Active and Inactive) Social Service Agencies Number Of Employees $ Number Of Volunteers Who $ Regularly Use Autos To Transport Clients Number Of Partners (Active and Inactive) $ Total Premium $ ITEM SIX Schedule For Gross Receipts Or Mileage Basis Address Of Business Headquarters Location: Type Of Risk (Check one): Public Autos Leasing Or Rental Concerns Rating Basis (Check one): Gross Receipts (Per $100) Mileage (Per Mile) Estimated Yearly (Gross Receipts Or Mileage): Premiums Liability $ Personal Injury Protection $ Added Personal Injury Protection $ Property Protection Insurance (Michigan Only) $ Auto Medical Payments $ Medical Expense And Income Loss Benefits (Virginia Only) $ Comprehensive $ Specified Causes Of Loss $ Collision $ Towing And Labor $ CA DS Insurance Services Office, Inc., 2009 Page 11 of 13

31 ITEM SIX Schedule For Gross Receipts Or Mileage Basis (Cont'd) Address Of Business Headquarters Location: Type Of Risk (Check one): Public Autos Leasing Or Rental Concerns Rating Basis (Check one): Gross Receipts (Per $100) Mileage (Per Mile) Estimated Yearly (Gross Receipts Or Mileage): Premiums Liability $ Personal Injury Protection $ Added Personal Injury Protection $ Property Protection Insurance (Michigan Only) $ Auto Medical Payments $ Medical Expense And Income Loss Benefits (Virginia Only) $ Comprehensive $ Specified Causes Of Loss $ Collision $ Towing And Labor $ Address Of Business Headquarters Location: Type Of Risk (Check one): Public Autos Leasing Or Rental Concerns Rating Basis (Check one): Gross Receipts (Per $100) Mileage (Per Mile) Estimated Yearly (Gross Receipts Or Mileage): Premiums Liability $ Personal Injury Protection $ Added Personal Injury Protection $ Property Protection Insurance (Michigan Only) $ Auto Medical Payments $ Medical Expense And Income Loss Benefits (Virginia Only) $ Comprehensive $ Specified Causes Of Loss $ Collision $ Towing And Labor $ Page 12 of 13 Insurance Services Office, Inc., 2009 CA DS

32 When used as a premium basis: FOR PUBLIC AUTOS Gross receipts means the total amount earned by the named insured for transporting passengers, mail and merchandise. Gross receipts does not include: A. Amounts paid to air, sea or land carriers operating under their own permits. B. Advertising revenue. C. Taxes collected as a separate item and paid directly to the government. D. C.O.D. collections for cost of mail or merchandise including collection fees. Mileage means the total live and dead mileage of all revenue producing "autos" during the policy period. FOR RENTAL OR LEASING CONCERNS Gross receipts means the total amount earned by the named insured for the leasing or renting of "autos" to others without drivers. Mileage means the total live and dead mileage of all "autos" you leased or rented to others without drivers. CA DS Insurance Services Office, Inc., 2009 Page 13 of 13

33 Philadelphia Indemnity Insurance Company Form Schedule Commercial Auto Policy Number: PHPK Forms and Endorsements applying to this Coverage Part and made a part of this policy at time of issue: Form CADS03 Hired or Borrowed Auto Sche CA0001 CA2356 Edition Description Business Auto Declarations Schedule of Hired or Borrowed Covered Auto Business Auto Coverage Form Cap on Losses From Certified Acts of Terrorism Page 1 of 1

34 Policy Number: PHPK Schedule Of Hired Or Borrowed Covered Auto Coverage And Premiums Coverage State Cost of Hire Deductible Rate Premium Liability Coverage OH 5, $ 133 Total Premium - $ 133 Page of 1 1

35 COMMERCIAL PROPERTY CP P EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA ADVISORY NOTICE TO POLICYHOLDERS This Notice does not form a part of your insurance contract. No coverage is provided by this Notice, nor can it be construed to replace any provisions of your policy (including its endorsements). If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) shall prevail. Carefully read your policy, including the endorsements attached to your policy. This Notice provides information concerning the following new endorsement, which applies to your new or renewal policy being issued by us: Exclusion Of Loss Due To Virus Or Bacteria Endorsement CP This endorsement makes an explicit statement regarding a risk that is not covered under your Commercial Property insurance. It points out that there is no coverage under such insurance for loss or damage caused by or resulting from any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease. The exclusion in this endorsement applies to all coverages provided by your Commercial Property insurance, including (if any) property damage and business income coverages. CP P ISO Properties, Inc., 2006 Page 1 of 1

36 PI-ULTD Policy Number Business Description Description of Premises ULTIMATECOVER PROPERTY COVERAGE PART DECLARATIONS PHPK Condominium Association Effective Date: 01/08/2017 Expiration Date: 01/08/ :01 a.m., Standard Time X Extension of Declarations is attached Prem. No. Bldg. No. Location, Construction and Occupancy ,5795,5797,5801 Andrew John Dr New Albany, OH CONDOMINIUMS (odd) Andrew John Dr New Albany, OH CONDOMINIUMS (even)Stallion Dr; New Albany, OH CONDOMINIUMS (even)Quarterhorse Ct; New Albany, OH CONDOMINIUMS ,5827,5829,5833,5835,5839Stallion Dr New Albany, OH CONDOMINIUMS ,5797,5799,5803,5805,509Stallion Dr New Albany, OH CONDOMINIUMS Limits of Insurance FRAME FRAME FRAME FRAME FRAME FRAME Insurance applies only for coverage for which a Limit of Insurance is shown. Property at Specified Premises Prem. Bldg. Your Business Personal Property No. No. Personal Property of Others Buildings BKT # BKT # BKT # BKT # BKT # BKT #1 Page 1 of 2

37 PI-ULTD Personal Property at Location not Specifically Identified: $100,000, unless a higher limit is shown on the Additional Coverage Summary Declarations. Personal Property in Transit: $50,000, unless a higher limit is shown on the Additional Coverage Summary Declarations. These declarations are part of the policy declarations containing the Name of the Insured and the policy period. Applications of Limits Specific Exceptions: X Blanket - See Form PI-ULTD-006 Deductibles Building $ 10,000 Business Personal Property $ 10,000 Transit $ 10,000 Coinsurance 80% 90% 100% Agreed Value _X_ Guaranteed RC Mortgage Holders Prem. No. Bldg. No. Mortgage Holder Name and Address SEE SCHEDULE ATTACHED Forms and Endorsement Forms and endorsements applying to this Coverage Part and made part of this policy at time of issue: See Schedule of Forms and Endorsements attached. Premium Premium for this Coverage Part $ 85, Page 2 of 2

38 PI-ULTD PROPERTY COVERAGE PART EXTENSION OF DECLARATIONS Policy Number PHPK Description of Premises Prem. No. Bldg. No. Location, Construction and Occupancy ,7010,7012,7016,7018,7022 New Albany, OH CONDOMINIUMS FRAME ,7009,7011,7015,7017,7021 Gallant New Albany, OH CONDOMINIUMS FRAME ,5792,5794,5798,5800,5804 Aristides New Albany, OH CONDOMINIUMS FRAME ,5822,5824,5828,5830,5834 Aristides New Albany, OH CONDOMINIUMS FRAME (odd) New Albany Rd New Albany, OH CONDOMINIUMS FRAME (even) Andrew John Dr New Albany, OH CONDOMINIUMS Limits of Insurance Insurance applies only for coverages for which a Limit of Insurance is shown. FRAME Property at Specified Premises Prem. Bldg. Your Business Personal Property No. No. Personal Property of Others Buildings BKT #1 BKT #1 BKT #1 BKT #1 BKT #1 BKT #1 Mortgage Holders Prem. No. Bldg. No. Mortgage Holder Name and Address SEE SCHEDULE ATTACHED These declarations are part of the policy declarations containing the Name of the Insured and the policy period. Page 1 of 8

39 PI-ULTD PROPERTY COVERAGE PART EXTENSION OF DECLARATIONS Policy Number PHPK Description of Premises Prem. No. Bldg. No. Location, Construction and Occupancy (odd) New Albany Rd New Albany, OH CONDOMINIUMS FRAME (even) Andrew John Dr New Albany, OH CONDOMINIUMS FRAME (odd) New Albany Rd New Albany, OH CONDOMINIUMS FRAME (even) Andrew John Dr New Albany, OH CONDOMINIUMS FRAME (even)Gallant Fox Dr; New Albany, OH CONDOMINIUMS FRAME (even)Gallant Fox Dr; New Albany, OH CONDOMINIUMS Limits of Insurance Insurance applies only for coverages for which a Limit of Insurance is shown. FRAME Property at Specified Premises Prem. Bldg. Your Business Personal Property No. No. Personal Property of Others Buildings BKT #1 BKT #1 BKT #1 BKT #1 BKT #1 BKT #1 Mortgage Holders Prem. No. Bldg. No. Mortgage Holder Name and Address SEE SCHEDULE ATTACHED These declarations are part of the policy declarations containing the Name of the Insured and the policy period. Page 2 of 8

40 PI-ULTD PROPERTY COVERAGE PART EXTENSION OF DECLARATIONS Policy Number PHPK Description of Premises Prem. No. Bldg. No. Location, Construction and Occupancy New Albany Rd W New Albany, OH CONDOMINIUMS FRAME (even) Andrew John Dr New Albany, OH CONDOMINIUMS FRAME (even)Monarchos Dr; New Albany, OH CONDOMINIUMS FRAME ,6940,6942,6946,6948,6952 New Albany, OH CONDOMINIUMS FRAME (even) Colts Gate Dr New Albany, OH CONDOMINIUMS FRAME ,5742,5744,5748,5750,5754 Colts New Albany, OH CONDOMINIUMS Limits of Insurance Insurance applies only for coverages for which a Limit of Insurance is shown. FRAME Property at Specified Premises Prem. Bldg. Your Business Personal Property No. No. Personal Property of Others Buildings BKT #1 BKT #1 BKT #1 BKT #1 BKT #1 BKT #1 Mortgage Holders Prem. No. Bldg. No. Mortgage Holder Name and Address SEE SCHEDULE ATTACHED These declarations are part of the policy declarations containing the Name of the Insured and the policy period. Page 3 of 8