SAMPLE. P.O. Box 5100 Scottsdale, Arizona East Pima Center Parkway, Suite 350 Scottsdale, AZ A Stock Company

Transcription

1 P.O. Box 5100 Scottsdale, Arizona East Pima Center Parkway, Suite 350 Scottsdale, AZ A Stock Company COMMERCIAL POLICY JACKET THIS POLICY CONSISTS OF: DECLARATIONS, COMMON POLICY CONDITIONS, ONE OR MORE COVERAGE PARTS OR FORMS AND ENDORSEMENTS. A COVERAGE PART CONSISTS OF: ONE OR MORE COVERAGE FORMS, APPLICABLE FORMS AND ENDORSEMENTS. WHI (06-12)

2 E PL M SA IN WITNESS WHEREOF, the Company has caused this policy to be signed by its President and Secretary but this policy shall not be valid unless completed by the attachment hereto of a Declarations Page and Coverage Part(s) and countersigned on the aforesaid Declarations Page by a duly Authorized Representative of the Company. Secretary WHI (06-12) President

3 SCP SCP Renewal or Rewrite of COMMON POLICY DECLARATIONS SCP Policy Number Scottsdale, Arizona A STOCK COMPANY ITEM 1. NAMED INSURED AND MAILING ADDRESS AGENT NAME AND ADDRESS Participating Members of the Stencil Artisan League, Inc. Citadel Insurance Services, LC DBA: International Decorative Artisan League, Inc. 826 East State Rd. Suite 100 (IDAL) American Fork, UT H Brandywine Boulevard Zanesville, OH Agent No.: ITEM 2. POLICY PERIOD From: 08/01/ /01/2014 To: 08/01/ /01/ :01 A.M. Standard Time at the mailing address shown in Item 1. 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. This policy consists of the following coverage parts/forms for which a premium is indicated. Where no premium is shown, there is no coverage. This premium may be subject to adjustment. Coverage Part(s)/Form(s) Premium Summary ITEM 3. Commercial Property Coverage Part... $ EXCLUDED Commercial General Liability Coverage Part... $ PER CERT Professional Liability Coverage Part... $ EXCLUDED Commercial Inland Marine Coverage Part... $ EXCLUDED Garage Coverage Part... $ EXCLUDED Errors & Omission Coverage Form.$ PER CERT Total Policy Premium $ THE INSURANCE HEREBY EVIDENCED IS WRITTEN BY AN APPROVED NON-LICENSED Program Fee $ INSURER IN THE STATE OF OHIO AND IS NOT State Surplus Tax $ COVERED IN CASE OF INSOLVENCY BY THE OHIO INSURANCE GUARANTY ASSOCIATION. Policy Total $ Form(s) and Endorsement(s) made a part of this policy at time of issue: See Schedule of Forms and Endorsements ITEM 4. Named Insured is (check one) Individual Partnership Joint Venture Trust Limited Liability Company Organization including a corporation (other than Partnership, Joint Venture, Trust or Limited Liability Company) IMPORTANT NOTICES TO POLICYHOLDER (Please read carefully): Notice of all accidents or occurrences must immediately be given to Western Heritage Insurance Company whether or not such accidents or occurrences appear likely to involve this policy. Agency At: AUTHORIZED REPRESENTATIVE / 08/01/ /01/2015 THIS COMMON POLICY DECLARATIONS AND THE SUPPLEMENTAL DECLARATION(S), TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE PART(S), COVERAGE FORM(S) AND FORM(S) AND ENDORSEMENT(S), IF ANY, COMPLETE THE ABOVE-NUMBERED POLICY. DATE WHI (10-13)

4 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) SCHEDULE OF FORMS AND ENDORSEMENTS Note: Not all forms are applicable to every insured. Refer to individual cert for specific forms list. For ISO forms, use most current edition date. COMMON FORMS-Mandatory WHI ommercial Policy Cover Page WHI ommercial Policy Declarations IL IL IL WHI WHI WHI WHI NOT WHI WHI WHI WHI Calculation of Premium Common Policy Conditions Nuclear Energy Exclusion Service of Suit COMMON FORMS-OPTIONAL WHI WHI Limits of Insurance Endorsement Cancellation Provision Policyholder Notice Terrorism Amendment of Common Policy Conditions Identity Recovery Coverage Minimum Retained Premium Provision Named Insured and Location Schedule Schedule of Taxes, Surcharges or Fees (optional) Named Insured Schedule (optional-see cert) WHI (07-12) Page 1 of 3

5 GENERAL LIABILITY FORMS-Mandatory WHI WHI General Liability Coverage Declarations Commercial General Liability Coverage Part Supplemental Declarations CG General Liability Coverage Form CG CG CG CG CG Cg CG CG CG Cg Cg WHI WHI WHI WHI WHI WHI Total Pollution Exclusion Exclusion-Financial Services Fungi or Bacteria Exclusion Cap on Losses-Certified Acts of Terrorism or Exclusion of Certified Acts of Terrorism Exclusion-Exterior Insulation and Finish Systems Silica or Silica Related Dust Exclusion Exclusion-Engineers, Architects or Surveyors Exclusion-Contractors Professional Liability Exclusion-Damage to Work-Subcontractor Deductible Liability Insurance Exclusion-Overspray Combined Special Provisions Property Damage Extension-Care, Custody or Control Subcontractors Warranty Non-Stacking of Limits Endorsement WHI Limited Exclusion-Habitational New Construction WHI WHI WHI WHI WHI WHI WHI WHI WHI WHI 41-TBD Contractors-Amendment of Insured Contract Definition Contractors-Amendment of Insuring Agreement Exclusion-Bodily Injury to Contractors and Employees Exclusion-Continuing Damage-Contractors Amendment of Conditions Limited Waiver of Transfer of Rights of Recovery Additional Insured-Owners, Lessees, or Contractors-Automatic Status When Required in Construction Agreement With You Total Exclusion-Chinese Drywall Total Animal Exclusion Exclusion-Designated Operations WHI (07-12) Page 2 of 3

6 GENERAL LIABILITY FORMS-Optional W ost Key Coverage Endorsement (see cert) State Amendatory Endorsements WHI Occurrence Definition-Pennsylvania Operations (mandatory on all contractors domiciled in PA) All other Terms and Conditions of this Policy remain unchanged. AUTHORIZED REPRESENTATIVE 08/01/2015 DATE WHI (07-12) Page 3 of 3

7 IL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CALCULATION OF PREMIUM This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL 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 The following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, we will compute the premium in accordance with our rates and rules then in effect. IL ISO Properties, Inc., 2007 Page 1 of 1

8 IL COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and records as they relate to this policy at any time during the policy period and up to three years afterward. D. Inspections And Surveys 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recommendations we may make relative to certification, under state or municipal statutes, ordinances or regulations, of boilers, pressure vessels or elevators. E. Premiums The first Named Insured shown in the Declarations: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay. F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. IL Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1

9 IL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL 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 1. The insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "insured" is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. B. Under any Medical Payments coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material" and arising out of the operation of a "nuclear facility" by any person or organization. C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazardous properties" of "nuclear material", if: (1) The "nuclear material" (a) is at any "nuclear facility" owned by, or operated by or on behalf of, an "insured" or (b) has been discharged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property damage" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility", but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (3) applies only to "property damage" to such "nuclear facility" and any property thereat. 2. As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "special nuclear material" or "by-product material". IL ISO Properties, Inc., 2007 Page 1 of 2

10 "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". "Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content, and (b) resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". "Nuclear facility" means: (a) Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packaging "waste"; (c) Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a selfsupporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radioactive contamination of property. Page 2 of 2 ISO Properties, Inc., 2007 IL

11 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Pursuant to any statute of any state, territory or district of the United States which makes provision therefore, the Company hereby designates the Superintendent, Commissioner or Director of Insurance or other office specified for that purpose in the Statute, or his successor or successors in office, as their true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured or any beneficiary hereunder rising out of this contract of insurance, and hereby designate the above-named as the person to whom said officer is authorized to mail process or a true copy thereof. SERVICE OF SUIT All other Terms and Conditions of this Policy remain unchanged. It is further agreed that service of process may be made upon the President, or his nominee, of the Company at 9200 East Pima Center Parkway, Suite 350, Scottsdale, Arizona 85258, and that in any suit instituted against any one of them upon this policy, the Company will abide by the final decision of such Court or of any Appellate Court in the event of an appeal. It is agreed that in any state requiring a standard form of policy, insurance hereunder on values of properties in such state shall attach and cover in accordance with the terms and conditions of such standard form. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (02-11) Page 1 of 1

12 ATTACHED TO AND FORMING A PART OF POLICY NUMBER SCP ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. 08/01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIMITS OF INSURANCE ENDORSEMENT This endorsement modifies insurance provided for under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PROFESSIONAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART Limits of Insurance apply per certificate holder shown on the monthly bordereau. All other Terms and Conditions of this Policy remain unchanged. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (10-08)

13 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CANCELLATION PROVISION This endorsement modifies insurance provided by this policy as follows: The master policy contains the terms of cancellation applicable to the policy. The cancellation section is found under the Common Policy Conditions. If the master policy is cancelled, insurance under all Certificates of Insurance will be cancelled as of the effective date and time that the master policy is cancelled. Individual holders of Certificates of Insurance can be cancelled separately without cancellation of the master policy. The cancellation of an individual Certificate of Insurance will be done in accordance with the cancellation laws applicable to the state of domicile of the individual Certificate of Insurance holder. All other Terms and Conditions of this Policy remain unchanged. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (10-08)

14 POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE TERRORISM RISK INSURANCE ACT Under the Terrorism Risk Insurance Act of 2002, as amended pursuant to the Terrorism Risk Insurance Program Reauthorization Act of 2015, effective January 1, 2015 (the Act ), you have a right to purchase insurance coverage for losses arising out of acts of terrorism, as defined in Section 102(1) of the Act: The term certified acts of terrorism means any act that is certified by the Secretary of the Treasury in consultation with the Secretary of Homeland Security to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; to have been 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. You should know that where coverage is provided by this policy for losses resulting from certified acts of terrorism, such losses may be partially reimbursed by the United States Government under a formula established by federal law. However, your policy may contain other exclusions which might affect your coverage, such as an exclusion for nuclear events. Under the formula, the United States Government agrees to reimburse eighty-five percent (85%) of covered terrorism losses in calendar year 2015 that exceed the statutorily established deductible paid by the insurance company providing the coverage. This percentage of United States Government reimbursement decreases by one percent (1%) every calendar year beginning in 2016 until it equals eighty percent (80%) in The premium charged for this coverage is provided below and does not include any charges for the portion of loss that may be covered by the Federal Government under the Act. You should also know that the Act, as amended, contains a $100 billion cap that limits United States Government reimbursement as well as insurers liability for losses resulting from certified acts of terrorism when the amount of such losses in any one calendar year exceeds $100 billion. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced. CONDITIONAL TERRORISM COVERAGE The federal Terrorism Risk Insurance Program Reauthorization Act of 2015 is scheduled to terminate at the end of December 31, 2020, unless renewed, extended or otherwise continued by the federal government. Should you select Terrorism Coverage provided under the Act and the Act is terminated December 31, 2020, any terrorism coverage as defined by the Act provided in the policy will also terminate. IN ACCORDANCE WITH THE ACT, YOU MUST CHOOSE TO SELECT OR REJECT COVERAGE FOR CERTIFIED ACTS OF TERRORISM BELOW: The Note below applies for risks in these states: California, Connecticut, Georgia, Hawaii, Illinois, Iowa, Maine, Missouri, New Jersey, New York, North Carolina, Oregon, Rhode Island, Virginia, Washington, West Virginia, Wisconsin. NOTE: In these states, a terrorism exclusion makes an exception for (and thereby provides coverage for) fire losses resulting from an act of terrorism. Therefore, if you reject the offer of terrorism coverage, that rejection does not apply to fire losses resulting from an act of terrorism coverage for such fire losses will be provided in your policy. If you do not respond to our offer and do not return this notice to the Company, you will have no Terrorism Coverage under this policy. X I hereby elect to purchase certified terrorism coverage for a premium of $ I understand that the federal Terrorism Risk Insurance Program Reauthorization Act of 2015 may terminate on December 31, Should that occur my coverage for terrorism as defined by the Act will also terminate. I hereby reject the purchase of certified terrorism coverage. As on File Participating Members of the Stencil Artisans League, Inc. Policyholder/Applicant s Signature Named Insured/Firm Participating Members of the Stencil Artisans League, Inc. Print Name SCP Policy Number, if available 08/01/2015 Date WHI NOT-054 (02-15) Page 1 of 1

15 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: Paragraph 2. of Section A. Cancellation is replaced by: 2. We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. Ten (10) days before the effective date of cancellation if we cancel for nonpayment of premium, including payment due on a prior policy we issued and due during the current policy term covering the same risk; or b. Five days before the effective date of cancellation if we cancel for any other reason. COMMON POLICY CONDITIONS All other Terms and Conditions of this Policy remain unchanged. The following provision is added to Paragraph E. Premiums: If the policy is canceled, we will return unearned premium to the first Named Insured within a reasonable time after the policy cancellation date, and will not be subject to interest or any statutory penalty. AUTHORIZED REPRESENTATIVE 08/01/2015 DATE Includes copyrighted material of ISO Properties, Inc., with its permission. Copyright, ISO Properties, Inc., 1998 WHI (07-11) Page 1 of 1

16 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) IDENTITY RECOVERY COVERAGE IDENTITY THEFT CASE MANAGEMENT SERVICE AND EXPENSE REIMBURSEMENT The following Identity Recovery Coverage may be endorsed onto a liability coverage part as a matter of convenience for policy issuance. The coverage and service provided under this endorsement are separate from any liability coverage. Identity Recovery Coverage is a first party coverage that inures to benefit of the owners of the insured entity. Identity Recovery Coverage includes reimbursement of specified legal expenses, but such coverage is subject to the Identity Recovery coverage limit. Under Identity Recovery Coverage, we do not have a duty to defend the insured from claims or suits. The limit and deductible applicable to Identity Recovery Coverage are separate from and in addition to the limits and deductibles that apply to any liability coverage. The Common Policy Conditions apply to coverage under this Identity Recovery Coverage. The following is added as an Additional Coverage. If this is being endorsed onto a policy with multiple coverage parts that includes property coverage, it is added to the property coverage part. IDENTITY RECOVERY COVERAGE We will provide the Case Management Service and Expense Reimbursement Coverage indicated below if all of the following requirements are met: 1. There has been an identity theft involving the personal identity of an identity recovery insured under this policy; and 2. Such identity theft is first discovered by the identity recovery insured during the policy period for which this Identity Recovery coverage is applicable; and 3. Such identity theft is reported to us within sixty (60) days after it is first discovered by the identity recovery insured. If all three of the requirements listed above have been met, then we will provide the following to the identity recovery insured : 1. Case Management Service Services of an identity recovery case manager as needed to respond to the identity theft ; and 2. Expense Reimbursement Reimbursement of necessary and reasonable identity recovery expenses incurred as a direct result of the identity theft. This coverage is additional insurance. WHI (05-13) Page 1 of 5

17 EXCLUSIONS The following additional exclusions apply to this coverage: We do not cover loss or expense arising from any of the following. 1. The theft of a professional or business identity. 2. Any fraudulent, dishonest or criminal act by an identity recovery insured or any person aiding or abetting an identity recovery insured, or by any authorized representative of an identity recovery insured, whether acting alone or in collusion with others. However, this exclusion shall not apply to the interests of an identity recovery insured who has no knowledge of or involvement in such fraud, dishonesty or criminal act. LIMITS 3. An identity theft that is not reported in writing to the police. Case Management Service is available as needed for any one identity theft for up to twelve (12) consecutive months from the inception of the service. Expenses we incur to provide Case Management Service do not reduce the amount of limit available for Expense Reimbursement coverage. Expense Reimbursement coverage is subject to a limit of $25,000 annual aggregate per identity recovery insured. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or expense arising out of all identity thefts to any one identity recovery insured which are first discovered by the identity recovery insured during a twelve (12) month period starting with the beginning of the present annual policy period. If an identity theft is first discovered in one policy period and continues into other policy periods, all loss and expense arising from such identity theft will be subject to the aggregate limit applicable to the policy period when the identity theft was first discovered. Legal costs as provided under item d. of the definition of identity recovery expenses are part of, and not in addition to, the Expense Reimbursement coverage limit. Item e. (Lost Wages) and item f. (Child and Elder Care Expenses) of the definition of identity recovery expenses are jointly subject to a sublimit of $5,000. This sublimit is part of, and not in addition to, the Expense Reimbursement coverage limit. Coverage is limited to wages lost and expenses incurred within twelve (12) months after the first discovery of the identity theft by the identity recovery insured. Item g. (Mental Health Counseling) of the definition of identity recovery expenses is subject to a sublimit of $1,000. This sublimit is part of, and not in addition to, the Expense Reimbursement coverage limit. Coverage is limited to counseling that takes place within twelve (12) months after the first discovery of the identity theft by the identity recovery insured. Item h. (Miscellaneous Unnamed Costs) of the definition of identity recovery expenses is subject to a sublimit of $1,000. This sublimit is part of, and not in addition to, the Expenses Reimbursement coverage limit. Coverage is limited to costs incurred within twelve (12) months after the first discovery of the identity theft by the identity recovery insured. DEDUCTIBLE Neither the Case Management Service nor the Expense Reimbursement coverage is subject to a deductible. CONDITIONS The following additional conditions apply to this coverage: WHI (05-13) Page 2 of 5

18 A. Help Line For assistance, the identity recovery insured should call the Identity Recovery Help Line at The Identity Recovery Help Line can provide the identity recovery insured with: 1. Information and advice for how to respond to a possible identity theft ; and 2. Instructions for how to submit a service request for Case Management Service and/or a claim form for Expense Reimbursement Coverage. B. Services In some cases, we may provide Case Management services at our expense to an identity recovery insured prior to a determination that a covered identity theft has occurred. Our provision of such services is not an admission of liability under the policy. We reserve the right to deny further coverage or service if, after investigation, we determine that a covered identity theft has not occurred. As respects Expense Reimbursement Coverage, the identity recovery insured must send to us, within sixty (60) days after our request, receipts, bills or other records that support his or her claim for identity recovery expenses. The following conditions apply as respects any services provided by us or our designees to any identity recovery insured under this endorsement: 1. Our ability to provide helpful services in the event of an identity theft depends on the cooperation, permission and assistance of the identity recovery insured. 2. All services may not be available or applicable to all individuals. For example, identity recovery insureds who are minors or foreign nationals may not have credit records that can be provided or monitored. Service in Canada will be different from service in the United States and Puerto Rico in accordance with local conditions. 3. We do not warrant or guarantee that our services will end or eliminate all problems associated with an identity theft or prevent future identity thefts. DEFINITIONS With respect to the provisions of this endorsement only, the following definitions are added: 1. Identity Recovery Case Manager means one or more individuals assigned by us to assist an identity recovery insured with communications we deem necessary for re-establishing the integrity of the personal identity of the identity recovery insured. This includes, with the permission and cooperation of the identity recovery insured, written and telephone communications with law enforcement authorities, governmental agencies, credit agencies and individual creditors and businesses. 2. Identity Recovery Expenses means the following when they are reasonable and necessary expenses that are incurred as a direct result of an identity theft : a. Costs for re-filing applications for loans, grants or other credit instruments that are rejected solely as a result of an identity theft. b. Costs for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report an identity theft or amend or rectify records as to your true name or identity as a result of an identity theft. c. Costs for credit reports from established credit bureaus. WHI (05-13) Page 3 of 5

19 d. Fees and expenses for an attorney approved by us for the following: (1) The defense of any civil suit brought against an identity recovery insured. (2) The removal of any civil judgment wrongfully entered against an identity recovery insured. (3) Legal assistance for an identity recovery insured at an audit or hearing by a governmental agency. (4) Legal assistance in challenging the accuracy of the identity recovery insured s consumer credit report. (5) The defense of any criminal charges brought against an identity recovery insured arising from the actions of a third party using the personal identity of the identity recovery insured. e. Actual lost wages of the identity recovery insured for time reasonably and necessarily taken away from work and away from the work premises. Time away from work includes partial or whole work days. Actual lost wages may include payment for vacation days, discretionary days, floating holidays and paid personal days. Actual lost wages does not include sick days or any loss arising from time taken away from self employment. Necessary time off does not include time off to do tasks that could reasonably have been done during non-working hours. f. Actual costs for supervision of children or elderly or infirm relatives or dependants of the identity recovery insured during time reasonably and necessarily taken away from such supervision. Such care must be provided by a professional care provider who is not a relative of the identity recovery insured. g. Actual costs for counseling from a licensed mental health professional. Such care must be provided by a professional care provider who is not a relative of the identity recovery insured. h. Any other reasonable costs necessarily incurred by an identity recovery insured as a direct result of the identity theft. (1) Such costs include: (a) Costs by the identity recovery insured to recover control over his or her personal identity. (b) Deductibles or service fees from financial institutions. (2) Such costs do not include: (a) Costs to avoid, prevent or detect identity theft or other loss. (b) Money lost or stolen. (c) Costs that are restricted or excluded elsewhere in this endorsement or policy. 3. Identity Recovery Insured means the following: a. When the entity insured under this policy is a sole proprietorship, the identity recovery insured is the individual person who is the sole proprietor of the insured entity. b. When the entity insured under this policy is a partnership, the identity recovery insureds are the current partners. c. When the entity insured under this policy is a corporation or other organization, the identity recovery insureds are all individuals having an ownership position of twenty percent (20%) or WHI (05-13) Page 4 of 5

20 more of the insured entity. However, if and only if there is no one who has such an ownership position, then the identity recovery insured shall be: (1) The chief executive of the insured entity; or (2) As respects a religious institution, the senior ministerial employee. d. When the entity insured under this policy is a condominium or homeowners association, the identity recovery insureds are the members of the entity s board of directors. An identity recovery insured must always be an individual person. The entity insured under this policy is not an identity recovery insured. 4. Identity Theft means the fraudulent use of the social security number or other method of identifying an identity recovery insured. This includes fraudulently using the personal identity of an identity recovery insured to establish credit accounts, secure loans, enter into contracts or commit crimes. Identity theft does not include the fraudulent use of a business name, d/b/a or any other method of identifying a business activity. All other provisions of this policy apply. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (05-13) Page 5 of 5

21 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. For the coverage provided under the COMBINED SPECIAL PROVISIONS LIABILITY INSURANCE form WHI , the following provision is amended: Item 4. MINIMUM EARNED PREMIUM is replaced by: In the event of cancellation by the Named Insured, the Minimum Premium retained by the Company for this policy is the greater of: MINIMUM RETAINED PREMIUM PROVISION 1. Twenty-five percent (25%) of the Advanced and Deposit premium per certificate holder listed on the monthly bordereau; 2. Short rate or pro rata of the Advance and Deposit Premium per certificate holder listed on the monthly bordereau; or All other Terms and Conditions of this Policy remain unchanged. 3. Audit premium per certificate holder listed on the monthly bordereau. In no event will the Minimum Retained Premium be less than one hundred percent (100%) of the Minimum and Deposit Premium per certificate holder listed on the monthly bordereau. It is further agreed that cancellation for nonpayment of premium after the effective date of the policy shall be deemed a request by the Named Insured for cancellation of this policy, thereby activating the foregoing Minimum Retained Premium Provision. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (06-09) Page 1 of 1

22 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. The Named Insured shown on the Commercial Policy Declarations is amended as follows: NAMED INSURED AND LOCATION SCHEDULE It is agreed that coverage afforded by this policy shall apply to the scheduled member as on file with the company by Certificate of Insurance and monthly bordereau. Each scheduled member, as added by monthly bordereau endorsement, shall be considered a Named Insured. All other Terms and Conditions of this Policy remain unchanged. The terms, conditions, coverage and Limits of Liability of this policy shall apply separately to each such scheduled member and/or location, but only for the period which correspond with the dates shown on the Certificate of Insurance issued to each Named Insured. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (09-10)

23 Policy No.: Named Insured: SCHEDULE OF TAXES, SURCHARGES OR FEES SCP Effective Date: 08/01/ :01 A.M., Standard Time Agent No.: WHI (08/06)

24 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED SCP /01/2015 Participating Members of the Stencil Artisans League, Inc AGENT NO. (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) SCHEDULE OF NAMED INSUREDS As on file with the company by certificate of insurance and monthly bordereau WHI (08/03)

25 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED SCP /01/2015 Participating Members of the Stencil Artisans League, Inc AGENT NO. (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) X if Supplemental Declarations is Attached THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATION LIMITS OF INSURANCE Each Occurrence Limit $PER CERT Damage To Premises Rented To You Limit $ PER CERT Any One Premises Medical Expense Limit $ PER CERT Any One Person Personal & Advertising Injury Limit $ PER CERT Any One Person or Organization General Aggregate Limit $ PER CERT Products/Completed Operations Aggregate Limit $ PER CERT This policy is designated with a Policy Liability Aggregate Limit. Definition: Policy Liability Aggregate Limit means the greatest aggregate limit, as set forth in the Declarations, for any single Coverage Part of this policy. Location(s) (Including Zip Code) of All Premises you Own, Rent or Occupy (Enter Same if same location as your mailing address):per CERT Classification Code Number PREMIUM Premium Basis Rate Prod/Comp Prem/Ops Ops Advance Premium Prod/Comp Prem/Ops Ops WHI (10-11) Page 1 of 4

26 PAINTING-INTERIOR-BLDGS OR STRUCTURES PER CERT (O) PER CERT ON FILE INCLUDED PER CERT ON FILE INCLUDED INTERIOR DECORATING PAPERHANGING PAINTING-EXTERIOR- BUILDINGS OR STRUCTURES NOT EXCEEDING THREE STORIES Total Advance Premium $ PER CERT PER CERT (O) PER CERT (O) PER CERT (O) (a) Area (p)payroll (s) Gross Sales (o)other (Define) PER CERT ON FILE PER CERT ON FILE PER CERT ON FILE 1. Per $1, Other (Define) INCLUDED INCLUDED INCLUDED PER CERT ON FILE PER CERT ON FILE PER CERT ON FILE INCLUDED INCLUDED INCLUDED INCLUDED INCLUDED INCLUDED 1. Per $1, Other (Define) INCLUDED Total Advance Premium $ PER CERT THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S), FORMS AND ENDORSEMENTS COMPLETE THE ABOVE-NUMBERED POLICY. WHI (10-11) Page 2 of 4

27 When used as a premium base: Area means: The total number of square feet or floor space at the insured premises, computed as follows: A. For entire buildings, by multiplying the product of the horizontal dimensions of the outside of the outer building walls by the number of floors, including basements but do not use the area of the following: 1. Courts and mezzanine types of floor openings; and 2. Portions of basements of floors where fifty percent (50%) or more of the area is used for shop or storage for building maintenance, dwelling by building maintenance employees, heating units, power plants or air-conditioning equipment. B. For tenants, determine the area they occupy in the same manner as for the entire building. C. The rates apply per 1,000 square feet of area. Total Cost means: The total cost of all work let or sublet in connection with each specific project including: A. The cost of all labor, materials and equipment furnished, used or delivered for use in the execution of the work; and B. All fees, bonuses or commissions made, paid or due. Admissions means: The total number of persons, other than employees or the named insured, admitted to the event insured or to events conducted on the premises whether on paid admissions, tickets, complimentary tickets or passes. The rates apply per 1,000 admissions. Payroll means: A. Remuneration which includes money or substitutes for money. B. Payroll includes: 1. Commissions, bonuses, pay for holidays, vacations or periods of illness; 2. Extra pay for overtime in accordance with the manuals in use by us; 3. Payments by an employer or amounts otherwise required by law to be paid by employees to statutory insurance or pension plans, such as the Federal Social Security Act; 4. Payment to employees on any basis other than time worked, such as piece work, profit sharing or incentive plans; 5. Payment or allowance for hand tools or power tools used by hand provided by employees and used in their work or operations for the insured; 6. The rental value of an apartment or a house provided for an employee based on comparable accommodations; 7. Value of meals and lodging other than an apartment or house received by employees as part of their pay; 8. The value of store certificates, merchandise, credits or any other substitute for money received by employees as part of their pay; 9. The payroll of mobile equipment operators and their helpers, whether or not the operators are designated or licensed to operate automobiles. If the operators and their helpers are provided to the insured along with equipment hired under contract and their actual payroll is not known, use 1/3 of the total amount paid out by the insured for the hire or the equipment; 10. The payroll or executive officers and individual insureds and co-partners in accordance with the manuals in use by us; and 11. Fees paid to employment agencies for temporary personnel provided to the insured. C. Payroll does not include: 1. Tips and other gratuities received by employees; 2. Payments by an employer to group insurance or group pension plans for employees in accordance with the manuals in use by us; 3. The value of special rewards for individual invention or discovery; WHI (10-11) Page 3 of 4

28 4. Dismissal or severance payments except for time worked or accrued vacation; 5. The payroll of clerical office employees; 2. Freight allowance to customers; 3. Total sales of consigned goods and warehouse receipts; 6. The payroll of salesmen, collectors or messengers who work principally away from the insured s premises. Salesmen, collectors or messengers are those employees engaged principally in any such duties away from the premises of the employer; Exception: This term does not apply to any employee whose duties include the delivery of any merchandise handled, treated or sold. 7. The payroll of drivers and their helpers if their principal duties are to work on or in connection with automobiles; and 8. The payroll of aircraft pilots or co-pilots if their principal duties are to work on or in connection with aircraft in either capacity. D. The rates apply per $1,000 of payroll. Gross Sales means: A. The gross amount charged by the named insured, concessionaires of the named insured or by others trading under the insured s name for: 1. All goods or products, sold or distributed; 2. Operations performed during the policy period; and 3. Rentals. B. Gross Sales includes: 1. Foreign exchange discounts; 4. Trade or cash discounts; 5. Bad debts; and 6. Repossession of items sold on installments (amount actually collected). A. Gross Sales excludes: 1. Sales or excise taxes which are collected and submitted to a governmental division; 2. Credits for repossessed merchandise and products returned. Allowances for damaged and spoiled goods; 3. Finance charges for items sold on installments; 4. Freight charges on sales if freight is charged as a separate item on customers invoice; and 5. Royalty income from patent rights or copyrights which are not product sales. B. The rates apply per $1,000 of gross sales. Units means: A single room or group of rooms intended for occupancy as separate living quarters by a family, by a group of unrelated persons living together, or by a person living alone. The rates apply per each unit. All other Terms and Conditions of this Policy remain unchanged. 08/01/2015 AUTHORIZED REPRESENTATIVE DATE WHI (10-11) Page 4 of 4

29 ATTACHED TO AND FORMING A PART OF POLICY NUMBER ENDORSEMENT EFFECTIVE DATE (12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO. SCP /01/2015 Participating Members of the Stencil Artisans League, Inc (The above information is required only when this endorsement is issued subsequent to preparation of the policy.) Classification WHI Lost Key Coverage Endt WHI Additional insured- Owners, Lessees, Contractors (scheduled basis) WHI Additional Insured- Owners, Lesses, Contractors incl Primary Non-contributory (scheduled basis) WHI Additional Insured(Blkt)- Owners, Lesses, Contractors-Automatic Status When Required in Construction Agreement with You WHI Property Damage Extension-Care, Custody and Control CG Additional Insured-Lessor of Leased Equipment Stop Gap Liability COMMERCIAL GENERAL LIABILITY COVERAGE PART SUPPLEMENTAL DECLARATIONS Code Number Premium Basis Per Cert (o) Each Per Cert (o) Each Per Cert (o) Each Per Cert (o) Each Per Cert (o) Each Per Cert (o) Each Per Cert (o) Each Prem/Ops Included Include d Underwriting Approval Req. Included $50.00 $250 Rate Prod/Comp Ops Included Included Included Included Included Included Included Advanced Premium Prem/Ops Per Cert on file Per Cert on file Per Cert on file Per Cert on file Per Cert on file Per Cert on file Per Cert on file Prod/Comp Ops Included Included Included Included Included Included Included WHI (05-09) Page 1 of 2