LIMITED COVERAGE FOR LOSS BY WET ROT, DRY ROT, BACTERIA, FUNGI, OR PROTISTS
|
|
- Clemence Miller
- 5 years ago
- Views:
Transcription
1 This endorsement changes the policy Page 1 of 7 -- PLEASE READ THIS CAREFULLY -- LIMITED COVERAGE FOR LOSS BY WET ROT, DRY ROT, BACTERIA, FUNGI, OR PROTISTS 1. The following exclusion is added under item 1. of Exclusions That Apply To Property Coverages: or Protists -- "We" do not pay for loss that results from or consists of: 1) wet rot; dry rot; a bacterium; a fungus, including but not limited to mildew and mold; or a protist, including but not limited to algae and slime mold; or 2) a chemical, matter, or a compound produced or released by wet rot, dry rot, a bacterium, a fungus, or a protist, including but not limited to toxins, spores, fragments, and metabolites such as microbial volatile organic compounds; except as provided under Limited Wet Rot, Dry Property Coverage. This exclusion applies even if the wet rot, dry rot, bacterium, fungus, or protist results from or is aggravated by a loss that may be covered by this policy, including but not limited to loss caused by the accidental discharge of liquids or steam from a plumbing, heating, air-conditioning, or automatic fire protective sprinkling system; water heater; or domestic appliance. However, this exclusion does not apply to wet rot, dry rot, a bacterium, a fungus, or a protist that results from fire or lightning. 2. Under Exclusions That Apply To Property Coverages, Wear and Tear is deleted and replaced by the following: Wear and Tear -- "We" do not pay for loss that results from wear and tear, marring, deterioration, inherent vice, latent defect, mechanical breakdown, rust, corrosion, contamination, or smog. 3. The following provisions are added under Exclusions That Apply To Coverages L and M: a. This policy does not apply to: 1) actual or alleged "bodily injury" or "property damage" that results directly or indirectly from ingestion of, inhalation of, physical contact with, or exposure to: dry rot; a bacterium; a fungus, including but not limited to mildew and mold; or a protist, including but not limited to algae and slime mold; or fungus, or a protist, including but not limited to toxins, spores, fragments, and metabolites such as microbial volatile organic compounds; except as provided under Limited and Protists Liability Coverage; 2) any loss, cost, or expense arising out of any request, demand, or order that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, or in any way respond to or assess the effects of: dry rot; a bacterium; a fungus, including but not limited to mildew and mold; or a protist, including but not limited to algae and slime mold; or
2 Page 2 of 7 fungus, or a protist, including but not limited to toxins, spores, fragments, and metabolites such as microbial volatile organic compounds; or 3) any loss, cost, or expense arising out of any claim or suit by or on behalf of any governmental authority relating to testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, or in any way responding to or assessing the effects of: dry rot; a bacterium; a fungus, including but not limited to mildew and mold; or a protist, including but not limited to algae and slime mold; or fungus, or a protist, including but not limited to toxins, spores, fragments, and metabolites such as microbial volatile organic compounds. b. However, exclusion 3.a.1) above does not apply to: 1) "bodily injury" that results from a fungus cultivated or harvested for human consumption or a food-borne or beverage-borne bacterium that causes illness commonly known as food poisoning (Food-borne or beverage-borne bacteria that cause illness commonly known as food poisoning include but are not limited to Staphylococcus aureus, Salmonella, Clostridium perfringens, Campylobacter, Listeria monocytogenes, Vibro parahaemolyticus, Bacillus cereus, and Escherichia coli.); or 2) "bodily injury" to a "farm employee" to the extent that coverage for "bodily injury" to "farm employees" is provided by this policy. 4. (Applies only when Coverage L has been extended to pay for damages for which an "insured" is liable by law because of "personal injury".) The following is added to the definition of "personal injury": "Personal injury" does not mean false arrest, false imprisonment, wrongful eviction, wrongful entry, wrongful detention, malicious prosecution, misrepresentation, libel, slander, defamation of character, or invasion of privacy that results directly or indirectly from ingestion of, inhalation of, physical contact with, or exposure to: 1) wet rot; dry rot; a bacterium; a fungus, including but not limited to mildew and mold; or a protist, including but not limited to algae and slime mold; or 2) a chemical, matter, or a compound produced or released by wet rot, dry rot, a bacterium, a fungus, or a protist, including but not limited to toxins, spores, fragments, and metabolites such as microbial volatile organic compounds. 5. Limited and Protists Coverages This policy is extended to provide the following coverages. These coverages are subject to all of the "terms" of the policy, except as amended by this endorsement. a. Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Property Coverage -- The coverage set forth under item 5.a.1) below and the limitations set forth under items 5.a.4) and 5.a.5) below do not apply to wet rot, dry rot, a bacterium, a fungus, or a protist that results from fire or lightning.
3 Page 3 of 7 1) Subject to the Wet Rot, Dry Rot, Aggregate Property Limit, "we" pay for: a) direct physical loss to property covered under Coverages A, B, or C, if provided by this policy, or the Incidental Property Coverage for Tenant's Improvements, if provided by this policy, caused by or consisting of wet rot; dry rot; a bacterium; a fungus, including mildew and mold; or a protist when the presence of the wet rot, dry rot, bacterium, fungus, or protist is the direct result of a peril insured against that applies to the damaged property and all reasonable means were used to save and preserve the property at and after the time of loss; and b) an increased cost, an expense, loss of income, or loss of earnings, if covered by a form, a coverage part, or an endorsement attached to this policy, resulting from wet rot; dry rot; a bacterium; a fungus, including mildew and mold; or a protist when the presence of the wet rot, dry rot, bacterium, fungus, or protist is the direct result of a peril insured against that applies to property for which the coverage for increased cost, expenses, loss of income, or loss of earnings is provided and all reasonable means were used to save and preserve the property at and after the time of loss. This coverage does not increase the "limits" shown for the property, increased cost, expense, loss of income, or loss of earnings covered. 2) The coverage set forth under item 5.a.1) above includes: a) direct physical loss caused by or consisting of a chemical, matter, or a released by such wet rot, dry rot, bacterium, fungus, or protist; and b) the reasonable cost or expense to: (1) clean up, remove, contain, treat, detoxify, neutralize, respond to, monitor, or assess the effects of the wet rot, dry rot, bacterium, fungus, or protist or a chemical, matter, or a released by it; and (2) remove and replace those parts of covered property necessary to repair or replace the damage or to clean up, remove, contain, treat, detoxify, neutralize, respond to, monitor, or assess the effects of the wet rot, dry rot, bacterium, fungus, or protist or a chemical, matter, or a released by it. 3) Subject to the Wet Rot, Dry Rot, Aggregate Property Limit, "we" pay up to $2,500 for the reasonable cost or expense to test for: dry rot; a bacterium; a fungus, including mildew and mold; or a protist that is hidden from view; or by such wet rot, dry rot, bacterium, fungus, or protist;
4 Page 4 of 7 when property covered under Coverages A, B, or C, if provided by this policy, or the Incidental Property Coverage for Tenant's Improvements, if provided by this policy, suffers direct physical loss caused by a peril that applies to it and there is reason to believe that wet rot, dry rot, a bacterium, a fungus, a protist, or a chemical, matter, or a released by wet rot, dry rot, a bacterium, a fungus, or a protist is present. This coverage provides additional insurance. No deductible applies to this coverage. 4) With respect to Limited Wet Rot, Dry Property Coverage, the following is added to the first paragraph under Incidental Property Coverages: However, except for Emergency Removal and, if provided by this policy, Collapse, any coverage provided under these Incidental Property Coverages for loss caused by or consisting of: fungus, or a protist; 5) With respect to Limited Wet Rot, Dry Property Coverage, the "terms" of each coverage part or endorsement attached to this policy that covers direct physical loss, increased cost, expense, loss of income, or loss of earnings are amended to include the following. Any coverage provided under this coverage part or endorsement for loss caused by or consisting of: fungus, or a protist; is subject to the Wet Rot, Dry Rot, Aggregate Property Limit. 6) With respect to Limited Wet Rot, Dry Property Coverage, the following is added under How Much We Pay For Loss Or Claim, Property Coverages: and Protists Aggregate Property Limit -- The Wet Rot, Dry Rot, Aggregate Property Limit is the most "we" pay for the total of: is subject to the Wet Rot, Dry Rot, Aggregate Property Limit.
5 Page 5 of 7 a) all loss covered under Principal Property Coverages A, B, C, and D; loss covered under all Incidental Property Coverages except Emergency Removal and, if provided by this policy, Collapse; and all direct physical loss, increased costs, expenses, loss of income, and loss of earnings covered by coverage part or endorsement attached to this policy, including all cost or expense to: (1) clean up, remove, contain, treat, detoxify, neutralize, respond to, monitor, or assess the effects of wet rot, dry rot, a bacterium, a fungus, or a protist or a chemical, matter, or a released by it; and (2) remove and replace parts of covered property necessary to repair or replace damage or to clean up, remove, contain, treat, detoxify, neutralize, respond to, monitor, or assess the effects of the wet rot, dry rot, bacterium, fungus, or protist or a chemical, matter, or a released by it; and b) all cost or expense to test for wet rot, dry rot, a bacterium, a fungus, or a protist or a chemical, matter, or a compound produced or released by it; regardless of the number of occurrences, claims made, assessments made, or locations insured under this policy. This "limit" is the most that "we" pay for each consecutive annual period and for any remaining period of less than 12 months, beginning with the inception date of this policy as shown on the "declarations". If, however, the policy period is extended for an additional period of less than 12 months, this additional period will be considered part of the preceding period for the purpose of determining the "limit". The Wet Rot, Dry Rot, Bacteria, Property Limit is $2,500 unless a higher Wet Rot, Dry Rot, Bacteria, Property Limit is shown on the "declarations". 7) With respect to Limited Wet Rot, Dry Property Coverage, Restoration of Limits under How Much We Pay For Loss Or Claim does not apply. b. Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage 1) This coverage does not apply to: a) "bodily injury" that results from a fungus cultivated or harvested for human consumption or a food-borne or beverage-borne bacterium that causes illness commonly known as food poisoning (Food-borne or beverage-borne bacteria that cause illness commonly known as food poisoning include but are not limited to Staphylococcus aureus, Salmonella, Clostridium perfringens, Campylobacter, Listeria monocytogenes, Vibro parahaemolyticus, Bacillus cereus, and Escherichia coli.); or
6 Page 6 of 7 b) "bodily injury" to a "farm employee" to the extent that coverage for "bodily injury" to "farm employees" is provided by this policy. 2) Subject to the Coverage L Wet Rot, Dry Limit and the Wet Rot, Dry Rot, Aggregate Liability Limit, "we" pay for the "bodily injury" or "property damage" that results from ingestion of, inhalation of, physical contact with, or exposure to: fungus, or a protist. The Coverage L Wet Rot, Dry Rot, Limit is $25,000 unless a higher Coverage L and Protists Limit is shown on the "declarations". Subject to the Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Aggregate Liability Limit, this "limit" is the most "we" pay per "occurrence" under Coverage L for Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage. 3) With respect to Limited Wet Rot, Dry Liability Coverage, the following is added to the first paragraph under Incidental Liability Coverages: Except for Claims and Defense Cost and First Aid Expense, any coverage provided under these Incidental Liability Coverages for "bodily injury", "property damage", damages, or legal fees arising from ingestion of, inhalation of, physical contact with, or exposure to: fungus, or a protist; is subject to the Coverage L Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Limit and the Wet Rot, Dry Rot, Bacteria, Fungi and Protists Aggregate Liability Limit. 4) With respect to Limited Wet Rot, Dry Liability Coverage, under How Much We Pay For Loss Or Claim, Coverage L -- Personal Liability is deleted and replaced by the following: Coverage L -- Personal Liability -- Subject to the Wet Rot, Dry Rot, Aggregate Liability Limit, the Coverage L Wet Rot, Dry Rot, Limit is the most "we" pay for loss for each "occurrence" covered under Limited and Protists Liability Coverage. This applies regardless of the number of: a) persons insured under this policy; b) parties who sustain injury or damage; or c) claims made or suits brought.
7 Page 7 of 7 5) With respect to Limited Wet Rot, Dry Liability Coverage, under How Much We Pay For Loss Or Claim, Coverage M -- Medical Payments To Others is deleted and replaced by the following: Subject to the Wet Rot, Dry Rot, Aggregate Liability Limit, the "limit" shown on the "declarations" per person for Coverage M is the most "we" pay for all medical expenses payable for "bodily injury" to one person as the result of one accident covered under Limited Wet Rot, Dry Liability Coverage. Any per accident "limit" shown on the "declarations" for Coverage M does not apply with respect to Limited Wet Rot, Dry Rot, Bacteria, Fungi, and Protists Liability Coverage. The payment of a claim under Coverage M does not mean "we" admit "we" are liable under Coverage L. 6) With respect to Limited Wet Rot, Dry Liability Coverage, the following is added under How Much We Pay For Loss Or Claim: and Protists Aggregate Liability Limit -- Regardless of the number of: a) "occurrences"; b) "insureds"; c) claims made or suits brought; d) persons injured; or e) assessments made; "our" total "limit" for Limited Wet Rot, Dry Liability Coverage in any one policy year will not exceed the Wet Rot, Dry Aggregate Liability Limit. However, this "limit" does not apply to coverage provided under Claims and Defense Cost and First Aid Expense under the Incidental Liability Coverages. The Wet Rot, Dry Rot, Bacteria, Liability Limit is the most that "we" pay for each consecutive annual period and for any remaining period of less than 12 months, beginning with the inception date of this policy as shown on the "declarations". If, however, the policy period is extended for an additional period of less than 12 months, this additional period will be considered part of the preceding period for the purpose of determining the "limit". The Wet Rot, Dry Rot, Bacteria, Liability Limit is $25,000 unless a higher Wet Rot, Dry Rot, Bacteria, Liability Limit is shown on the "declarations". 7) With respect to this Limited Wet Rot, Dry Liability Coverage, Restoration of Limits under How Much We Pay For Loss Or Claim does not apply. 6. All other "terms" of the policy apply. Copyright, American Association of Insurance Services, 2002
SPECIAL PROVISIONS FLORIDA
HOMEOWNERS HO 01 09 01 06 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS FLORIDA DEFINITIONS The following definitions are added: "Fungi" a. "Fungi" means any type or
More informationPAL PACK ENDORSEMENT HOMEOWNERS
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PAL PACK ENDORSEMENT HOMEOWNERS HOMEOWNERS This endorsement modifies coverage provided under the following forms: HO 00 03: Homeowners 3 Special
More informationNOTICE OF CONTRACT CHANGES TFPA ENDORSEMENTS
If your policy includes any of the endorsements listed below, we are making some changes to your contract coverage and conditions as part of policy revisions that affect all TFPA policies. These are outlined
More informationNOTICE OF CONTRACT CHANGES TFPA ENDORSEMENTS
If your policy includes any of the endorsements listed below, we are making some changes to your contract coverage and conditions as part of policy revisions that affect all TFPA policies. These are outlined
More informationHOMEMASTER PLUS ENDORSEMENT. Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage
HOMEMASTER PLUS ENDORSEMENT For an additional premium, the following coverages apply to the policy: Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage The
More information-Loudoun Mutual Insurance Company Guardian Plus
-Loudoun Mutual Insurance Company Guardian Plus (Applicable to Forms 2 or 3 only) This endorsement broadens the coverages provided by your primary coverage form. I. Expanded Replacement Cost Terms PLEASE
More informationSPECIAL PROVISIONS NEW YORK
HOMEOWNERS HO 01 31 12 12 SPECIAL PROVISIONS NEW YORK SECTION I PROPERTY COVERAGES E. Additional Coverages 6. Credit Card, Electronic Fund Transfer Card Or Access Device, Forgery And Counterfeit Money
More informationSPECIAL EXCLUSIONS AND LIMITATIONS ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL EXCLUSIONS AND LIMITATIONS ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY
More informationPERSONAL UMBRELLA LIABILITY ENDORSEMENT For Attachment to Form This endorsement is an extension of your homeowners policy.
PERSONAL UMBRELLA LIABILITY ENDORSEMENT For Attachment to Form 1775 This endorsement is an extension of your homeowners policy. READ THIS ENDORSEMENT CAREFULLY This endorsement provides liability insurance
More informationExperience Protection Insurance Summary
Experience Protection Insurance Summary UPDATED ON NOVEMBER 16, 2016 LEARN MORE 1 of 9 COVERAGE What is Experience Protection Insurance? The Experience Protection Insurance Program ( EPI ) covers Experience
More informationCOMMERCIAL UMBRELLA LIABILITY FORM MCL
COMMERCIAL UMBRELLA LIABILITY FORM MCL 050 03 08 YOUR POLICY INCLUDES: The Declarations Page, Including Information About You and Your Business / Operations The Premises and Business / Operations Covered
More informationForm #100 (Rev. Sep 13, 2004) Standard Schedule of Endorsements
Form #100 (Rev. Sep 13, 2004) Standard Schedule of Endorsements The following endorsements and clauses apply to the attached policy: Data Exclusion Endorsement Abuse and Harassment Exclusion Fungi and
More informationHOUSING AUTHORITIES RISK RETENTION POOL
HOUSING AUTHORITIES RISK RETENTION POOL THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT BREAKDOWN COVERAGE This endorsement modifies insurance provided under the following: HOUSING
More informationTHIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.
MISCELLANEOUS PROFESSIONAL LIABILITY THIS IS A CLAIMS-MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENTS II. A.
More informationDIRECTORS AND OFFICERS LIABILITY COVERAGE Claims-Made Coverage
DIRECTORS AND OFFICERS LIABILITY COVERAGE Claims-Made Coverage NOTICE: This is a claims-made coverage. Except as may be otherwise provided herein, this coverage is limited to liability for only those suits
More informationPage 1 of 6 Under COVERAGES SPECIAL PROVISIONS FOR TEXAS DWELLING POLICY (For Use with Texas Dwelling Policy - Form 1) COVERAGE A (DWELLING) 4. Is deleted and replaced by the following: 4. maintenance
More informationThe Homeowners Coverage Guide: Interpretation and Analysis
The Homeowners Coverage Guide: Interpretation and Analysis Table of Contents Chapter 1: An Overview... 1 Introduction... 1 Forms Overview... 1 Eligibility: Homeowners Forms... 3 Eligibility: Tenant Homeowners...
More informationEQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT
EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT As respects this EQUIPMENT BREAKDOWN ENHANCEMENT ENDORSEMENT, this endorsement changes coverage provided by the BUSINESSOWNERS COVERAGE FORM BP 00 03 01 06.
More informationADDITIONAL POLICY CONDITIONS AND PROPERTY COVERAGE TERMS
Page 1 of 8 ADDITIONAL POLICY CONDITIONS AND PROPERTY COVERAGE TERMS ADDITIONAL POLICY CONDITIONS APPLICABLE TO ALL COVERAGES 1. Assignment -- This policy may not be assigned without "our" written consent.
More informationPROFESSIONAL LIABILITY COVERAGE FORM CLAIMS-MADE COVERAGE
PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS-MADE COVERAGE Throughout this document, the word Insured means any person or entity qualified as such under Part I. D. Covered Persons and Entities. Other words
More informationBUILDERS' RISK COVERAGE SCHEDULED JOBSITE FORM
Page 1 of 14 BUILDERS' RISK COVERAGE SCHEDULED JOBSITE FORM AGREEMENT In return for "your" payment of the required premium, "we" provide the coverage described herein subject to all the "terms" of the
More informationPROFESSIONAL LIABILITY US DIRECT. Specimen ERRORS AND OMISSIONS INSURANCE. Hiscox Inc. All rights reserved. DPL P001 CW (05/13)
INSURANCE ABOUT THIS POLICY The Hiscox Professional Liability US Direct policy is designed to offer coverage for the risks entities face in performing their Professional Services. We urge You to read this
More informationTHE SMART CHOICE ENDORSEMENT
THE SMART CHOICE ENDORSEMENT For an additional premium and subject to all the provisions of the policy, the following coverages and extensions of coverages are added to your Homeowners Policy: SECTION
More informationEQUIPMENT BREAKDOWN COVERAGE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT BREAKDOWN COVERAGE This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM
More informationHost Protection Insurance Summary
Host Protection Insurance Summary UPDATED ON June 27, 2016 LEARN MORE 1 of 10 COVERAGE What is Host Protection Insurance? The Host Protection Insurance Program ( HPI Program ) covers Hosts, in certain
More informationCOMMERCIAL GENERAL LIABILITY OCCURRENCE COVERAGE PART
COMMERCIAL GENERAL LIABILITY OCCURRENCE COVERAGE PART PROVISIONS Various provisions in this Policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not
More informationENDORSEMENT HA01IL 0705
ILLINOIS AMENDATORY ENDORSEMENT 1. Under GENERAL DEFINITIONS, "Bodily injury" is deleted and replaced by: ENDORSEMENT HA01IL 0705 "Bodily injury" means any physical harm to the body including any resulting
More informationHost Protection Insurance Summary. Updated on February 27, 2018
Host Protection Insurance Summary Updated on February 27, 2018 1 What is Host Protection Insurance? The Host Protection Insurance Program ( HPI Program ) covers Hosts, in certain countries, if they have
More informationPlanned Unit Development Liability Coverage Form
Please read the entire policy. Words in bold print, other than titles and headings, have the meaning given to them in the Definitions section. For the applicable limits of insurance refer to the Declarations
More informationXN GLOBAL PERSONAL INSURANCE Effected with certain Lloyd s Underwriters (hereinafter called the Insurer ) through
XN GLOBAL PERSONAL INSURANCE Effected with certain Lloyd s Underwriters (hereinafter called the Insurer ) through XN FINANCIAL SERVICES INC. BOCA RATON, FLORIDA It is hereby understood and agreed that
More informationSPECIAL REPORT AM I COVERED FOR THE CLEANUP OF POLLUTANTS FOLLOWING A MAJOR CLAIM SUCH AS A FIRE?
SPECIAL REPORT AM I COVERED FOR THE CLEANUP OF POLLUTANTS FOLLOWING A MAJOR CLAIM SUCH AS A FIRE? (08-28-2014) This Special Report was written by Daniel P. Hale, J.D., CPCU, ARM, CRM, LIC, AIC, AIS, API
More informationHOMEMASTER ELITE ENDORSEMENT. Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage
HOMEMASTER ELITE ENDORSEMENT For an additional premium, the following coverages apply to the policy: Credit Card, Electronic Fund Transfer Card or Access Device, Forgery and Counterfeit Money Coverage
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More informationAdvantage. We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy:
Advantage We agree that the following Additional Coverages and Extensions of Coverage are made a part of your Homeowners Policy: SECTION I - PROPERTY COVERAGES COVERAGE C - Personal Property: The Special
More information2:13-cv GAD-MKM Doc # 3 Filed 04/16/13 Pg 1 of 19 Pg ID 31 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION
2:13-cv-11650-GAD-MKM Doc # 3 Filed 04/16/13 Pg 1 of 19 Pg ID 31 UNITED STATES DISTRICT COURT EASTERN DISTRICT OF MICHIGAN SOUTHERN DIVISION JOY TABERNACLE - THE NEW TESTAMENT CHURCH, Plaintiff, Case No.
More informationMUTUAL FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART
MUTUAL FUND MANAGEMENT AND PROFESSIONAL LIABILITY COVERAGE PART THIS IS A CLAIMS MADE COVERAGE PART WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ AND REVIEW THE POLICY CAREFULLY.
More informationTHIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY.
EMPLOYMENT PRACTICES LIABILITY COVERAGE THIS IS A CLAIMS MADE COVERAGE WITH DEFENSE EXPENSES INCLUDED IN THE LIMIT OF LIABILITY. PLEASE READ ALL TERMS CAREFULLY. I. INSURING AGREEMENT A. The
More informationTHIS IS A CLAIMS MADE AND REPORTED POLICY. PLEASE READ IT CAREFULLY. (hereinafter referred to as the Insurer) Sample
NON-PROFIT ORGANIZATION DIRECTORS AND OFFICERS LIABILITY DECLARATIONS COMPANY SYMBOL POLICY PREFIX & NUMBER Corporate Office 945 E. Paces Ferry Rd. Suite 1800 Atlanta, GA 30326 THIS IS A CLAIMS MADE AND
More informationOFFICE OF THE STATE TREASURER STATE INSURANCE PROGRAMS. Agency Claims
OFFICE OF THE STATE TREASURER STATE INSURANCE PROGRAMS Agency Claims When a unit of State government seeks reimbursement from the State Insurance Trust Fund for an occurrence of loss, damage, or liability,
More informationThe Interplay of Builders Risk and Commercial General Liability Coverage
The Interplay of Builders Risk and Commercial General Liability Coverage Kirk D. Johnston Partner Atlanta, Georgia T: 404.582.8052 E: kdjohnston@smithcurrie.com When accidental losses, damages, or destruction
More informationMariner Plus Endorsement
Mariner Plus Endorsement FOR AN ADDITIONAL PREMIUM, THE FOLLOWING ENHANCEMENTS ARE INCLUDED: 1. Coverage E Personal Liability The limit of liability is increased to $500,000. 2. Coverage F Medical Payments
More informationDRY SWEEPING SERVICES AGREEMENT
DRY SWEEPING SERVICES AGREEMENT This DRY SWEEPING SERVICES AGREEMENT (this Agreement ) is made and entered into this day of, 200_ (the Effective Date ), by and between STANDARD PARKING CORPORATION, a Delaware
More informationWISCONSIN MUTUAL INSURANCE COMPANY
THIS POLICY IS NON-ASSESSABLE WISCONSIN MUTUAL INSURANCE COMPANY P.O. BOX 974 MADISON, WISCONSIN 53701 A MUTUAL INSURANCE COMPANY - READ THIS ENTIRE POLICY CAREFULLY - IT IS A LEGAL CONTRACT WML FORM 4
More informationPersonal Excess Policy
Your Personal Excess Policy - Quick Reference Policy Section Beginning on Page Section I DEFINITIONS 2 Section II COVERAGES 7 Section III EXCLUSIONS 12 Section IV UNDERLYING INSURANCE 19 Section V DUTIES
More informationUSA Volleyball, United States Volleyball Association, United States Volleyball, Inc. ( USAV ), USA Volleyball Foundation
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
More informationForeFront Portfolio SM For Not-for-Profit Organizations Directors & Officers. Insuring Clauses
In consideration of payment of the premium and subject to the Declarations, the General Terms and Conditions, and the limitations, conditions, provisions and other terms of this Coverage Section, the Company
More informationEMPLOYEE BENEFITS LIABILITY COVERAGE FORM
EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS COVERAGE FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. SECTION I EMPLOYEE BENEFITS LIABILITY COVERAGE 1. Insuring Agreement a.
More informationUSAV registered clubs, but only with respects to activities sanctioned or approved by USAV or its RVA.
INSURANCE PROGRAM USA Volleyball administers a medical and liability insurance program customized specifically for the sport of volleyball. It is designed to respond specifically to the inherent hazards
More informationCOVERAGE PART A. NON PROFIT DIRECTORS AND OFFICERS LIABILITY
COVERAGE PART A. NON PROFIT DIRECTORS AND OFFICERS LIABILITY NOTICE: This is a Claims Made Policy. This Policy only covers those Claims first made against the Insured during the Policy Period or Extended
More informationBUILDERS RISK ENDORSEMENT
BUILDERS RISK ENDORSEMENT MIDWEST FAMILY MUTUAL IH0070M 01-16 This endorsement modifies insurance provided under the following: BUSINESSOWNERS COVERAGE FORM. Various provisions in this Endorsement restrict
More informationLandlord s Buildings and Contents Insurance. In partnership with Ellis David Ltd Summary of Cover
Landlord s Buildings and Contents Insurance In partnership with Ellis David Ltd Summary of Cover About this document This summary of cover has been prepared to help you to: - Decide whether this product
More informationSTANDARD SCHEDULE OF ENDORSEMENTS RENTED DWELLING (FORM #222A Rev. December 6, 2004)
STANDARD SCHEDULE OF ENDORSEMENTS RENTED DWELLING (FORM #222A Rev. December 6, 2004) The following endorsements and clauses apply to the attached policy: - Biological, Chemical or Nuclear Terrorism Exclusion
More informationProducts-Completed Operations Liability For Life Sciences
Products-Completed Operations Liability For Life Sciences Table Of Contents Section Page Coverages 3 Investigation, Defense And Settlements 5 Supplementary Payments 5 Coverage Territory 6 Who Is An Insured
More informationDIFFERENCE IN CONDITIONS HOMEOWNERS ASSOCIATION COVERAGE EXTENSION
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DIFFERENCE IN CONDITIONS HOMEOWNERS ASSOCIATION COVERAGE EXTENSION This endorsement modifies insurance provided under the following: DIFFERENCE
More informationBusiness Owner s Umbrella Liability Policy MINNESOTA
The Navigators Group, Inc. is traded on the NASDAQ under the symbol NAVG. Page 1 of 8 Business Owner s Umbrella Liability Policy MINNESOTA This Policy Does Not Provide Any Uninsured/Underinsured Motorists
More informationWATER EXCLUSION ENDORSEMENT
This endorsement changes the policy Page 1 of 5 -- PLEASE READ THIS CAREFULLY -- THIS ENDORSEMENT HAS NOT BEEN FILED AAIS has not filed this sample endorsement. A company using this endorsement must download
More informationIMPORTANT NOTICE ABOUT YOUR NEW HOMEOWNERS POLICY
IMPORTANT NOTICE ABOUT YOUR NEW HOMEOWNERS POLICY Here is your new homeowners insurance policy that replaces your current one. The coverage of this new policy will become effective on the renewal date
More informationDwelling Insurance Buyer's Guide
NEW JERSEY MANUFACTURERS INSURANCE COMPANY Dwelling Insurance Buyer's Guide This booklet contains only general information and is not a legal document. Save this booklet. YOUR DWELLING BUYER S GUIDE QUICK
More informationBASIC GENERAL LIABILITY FORM MCL
BASIC GENERAL LIABILITY FORM YOUR POLICY INCLUDES: The Declarations Page, Including Information About You and Your Business / Operations The Premises and Business / Operations Covered The Applicable Coverages
More information1560 Broadway, Suite 925, Denver, CO (Damages & Claims Expenses) (b) $30,000 Aggregate all Discrimination Claims per Licensee
CONTINENTAL CASUALTY COMPANY (A stock insurance company, hereinafter called the Company ) Administrative Office: P.O. Box 6709 Louisville, Kentucky 40206-0709 (502) 897-1876 (800) 637-7319 REAL ESTATE
More informationManagement Liability Insurance Policy Employed Lawyers Liability Coverage Part ( ELAW Coverage Part )
In consideration of the premium charged and in reliance upon the statements made by the Insureds in the Application, which forms a part of this Policy, the Insurer agrees as follows: I. Insuring Agreements
More information24/7 CLAIM REPORTING YOU MAY REPORT ON-LINE AT USLI.COM FOR CLAIM REPORTING CALL TOLL FREE: AND SELECT THE REPORT A CLAIM OPTION.
24/7 CLAIM REPORTING In our continuing effort to provide you with excellent claim service, you may now report a claim and get claim assistance 24 hours a day/7 days a week. FOR CLAIM REPORTING CALL TOLL
More informationHO-3 & HO-3T HOMEOWNERS (Underwritten by Lloyd s of London)
GENERAL UNDERWRITING GUIDELINES HO-3 & HO-3T HOMEOWNERS (Underwritten by Lloyd s of London) SERVING THE FOLLOWING STATES: AL GA IL MO MS NC SC TN TX This document includes a summary of the coverages, credits
More informationSB Page 1 of 2
CERTIFICATE OF STORAGE INSURANCE HARCO NATIONAL INSURANCE COMPANY TENANT INSURANCE UNDER MASTER POLICY NUMBER: This is to certify that the undersigned has arranged insurance as hereinafter specified and
More informationUmbrella Liability Coverage
Umbrella Liability Coverage Analyses Workbook 3rd Edition TP.indd 1 5/5/06 7:02:57 PM At press time, this edition contains the most complete and accurate information currently available. Owing to the nature
More informationPersonal and Business Owner s Umbrella Liability Policy Connecticut
Personal and Business Owner s Umbrella Liability Policy Connecticut Various provisions in this policy may restrict coverage. Read the entire policy carefully to determine your rights and duties, and what
More informationSpecial NY Dwelling & Homeowners Endorsements
Special NY Dwelling & Homeowners Endorsements DWELLING POLICIES Dwelling Special Provisions DP 01 31 The following special provisions are added to specified dwelling policies in New York. Broad Theft Coverage
More informationGeneral Liability Claims-Made For Life Sciences
General Liability Claims-Made For Life Sciences Table Of Contents Section Page Coverages 3 Investigation, Defense And Settlements 7 Supplementary Payments 7 Coverage Territory 7 Who Is An Insured 8 Limits
More informationEQUIPMENT BREAKDOWN ENDORSEMENT FOR COMMERCIAL PROPERTY ***************************************************************************
EQUIPMENT BREAKDOWN ENDORSEMENT FOR COMMERCIAL PROPERTY *************************************************************************** THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MEDIA LIABILITY COVERAGE INTEGRATED TECH CLAIMS MADE CLAIM EXPENSES INCLUDED WITHIN THE LIMITS OF INSURANCE This endorsement modifies the
More informationFINANCIAL INSTITUTIONS PROFESSIONAL LIABILITY INSURANCE POLICY
FINANCIAL INSTITUTIONS PROFESSIONAL LIABILITY INSURANCE POLICY In consideration of, and subject to, the payment of the premium, and in reliance upon the particulars, statements, attachments and exhibits
More informationLesson 3 - Golf Carts
Lesson 3 - Golf Carts Lesson 3 Introduction p1 (PM) Golf carts are another type of recreational vehicle that clients may own, rent or borrow. In addition to being used for golf, motorized golf carts are
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS - RHODE ISLAND
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL PROVISIONS - RHODE ISLAND DWELLING OTHER COVERAGES 10. In Forms DP 00 02 and DP 00 03, Collapse is deleted and replaced by 10. Collapse
More informationEmployed Lawyers Liability Coverage Part
Employed Lawyers Liability Coverage Part In consideration of the payment of the premium and subject to all terms, conditions and limitations of this Coverage Part and the General Terms and Conditions for
More informationOCEANIC UNDERWRITERS LTD.
Form #OCS1000 (Rev. October 15, 2015) Sports & Adventure Liability Wording OCEANIC UNDERWRITERS LTD. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations,
More informationPROFESSIONAL LIABILITY COVERAGE FORM CLAIMS-MADE COVERAGE
PROFESSIONAL LIABILITY COVERAGE FORM CLAIMS-MADE COVERAGE Throughout this document, the word Insured means any person or entity qualified as such under Part I. E. Covered Persons and Entities. Other words
More informationTHIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADVANTAGE PLUS ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. H-550 ADVANTAGE PLUS ENDORSEMENT For an additional premium and subject to all provisions of the policy, we agree that the policy is amended
More informationSAMPLE RMG MORTGAGES HOME APPLIANCE SERVICE PLAN TERMS AND CONDITIONS DEFINITIONS. For Repair Services please call
RMG MORTGAGES HOME APPLIANCE SERVICE PLAN TERMS AND CONDITIONS For Repair Services please call -866-707-8729 MCAP Financial Corporation (or an affiliate of it if so indicated in your Welcome Letter) (
More informationService Line Coverage
Service Line Coverage Perils Service line coverage provides protection from an unexpected loss caused by a service line failure. This sometimes unforeseen and costly exposure is not covered under most
More informationCOMMERCIAL GENERAL LIABILITY Form YPL001 ( ) SECTION I COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY
The words Insured and Named Insured mean any person or organization qualifying as such under SECTION II WHO IS AN INSURED. The word Insurer refers to the company providing this insurance. Other words and
More informationWashington Personal Lines Personal Umbrella Manual
Washington Personal Umbrella Personal Lines Personal Umbrella Manual QBE and the links logo are registered service marks of QBE Insurance Group Limited. All coverages underwritten by member companies of
More informationABN AND ITC DETAILS ABN «jmf_policyabn» ITC «jmf_policyitc»
CYCLING AUSTRALIA Associations Liability Schedule INSURED Cycling Australia including all State / Territory Associations, affiliated clubs, financial members, temporary members (for sanctioned events only),
More informationCAUSES OF LOSS BASIC FORM
CAUSES OF LOSS BASIC FORM COMMERCIAL PROPERTY CP 10 10 04 02 A. Covered Causes Of Loss When Basic is shown in the Declarations, Covered Causes of Loss means the following: 1. Fire. 2. Lightning. 3. Explosion,
More informationGlossary of Malpractice Insurance Terms
Glossary of Malpractice Insurance Terms To help you have a better understanding of Malpractice Insurance terms, this glossary has two sections. The first section contains definitions of general malpractice
More informationUNIGARD INSURANCE COMPANY MONTANA PERSONAL UMBRELLA MANUAL
UNIGARD INSURANCE COMPANY MONTANA PERSONAL UMBRELLA MANUAL Montana Personal Lines Personal Umbrella i Application Binding Coverage Increased Limits Limits of Liability Introduction Policy Term Premium
More informationEQUIPMENT BREAKDOWN COVERAGE
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EQUIPMENT BREAKDOWN COVERAGE This endorsement modifies insurance provided under the following: FARM PROPERTY FARM DWELLINGS, APPURTENANT STRUCTURES
More informationLIBERTY INSURANCE UNDERWRITERS, INC. (The Liberty Mutual Group)
AGENTS AND BROKERS PROFESSIONAL LIABILITY POLICY The words You, Your and Yours mean the Insured and the words We, Us, and Our refer to the company providing this insurance. In consideration of the payment
More informationChubb Professional Portfolio SM Miscellaneous Professional and Technology Services Liability Coverage Part
In consideration of payment of the premium and subject to the Declarations, General Terms and Conditions, and the limitations, conditions, provisions and other terms of this Coverage Part, the Company
More informationConsultants Professional Liability Coverage Part SPECIMEN
I. What is covered We will pay up to the coverage part limit for damages and claim expenses in excess of the retention for covered claims against you alleging a negligent act, error, or omission in your
More informationINSURANCE AGENTS, BROKERS AND CONSULTANTS PROFESSIONAL LIABILITY INSURANCE POLICY
Source: CITA-Cite INSURANCE AGENTS, BROKERS AND CONSULTANTS PROFESSIONAL LIABILITY INSURANCE POLICY THIS IS A CLAIMS-MADE AND REPORTED POLICY. THE COVERAGE PROVIDED UNDER THIS POLICY APPLIES ONLY TO THOSE
More information(b) $20,000 Aggregate per Licensee. (b) $10,000 Aggregate per Licensee
CONTINENTAL CASUALTY COMPANY (A stock insurance company, hereinafter called the Company ) Administrative Office: P.O. Box 6709 Louisville, Kentucky40206-0709 (502) 897-1876 (800) 637-7319 REAL ESTATE LICENSEES
More informationADDITIONAL PROTECTION AMENDATORY ENDORSEMENT. This endorsement changes your policy. Please read it carefully and keep it with your policy.
This endorsement changes your policy. Please read it carefully and keep it with your policy. The first sentence up to and including the colon (i.e. no perils are affected) under SECTION I YOUR PROPERTY,
More informatione-clas Banner Page Environment:
e-clas Banner Page Environment: PRODUCTION 14-013 A.W. WELT AMBRISCO INSURANCE, INC. 24 WESTSIDE DR STE 1 IOWA CITY, IA 52246-4374 Policy Number: Effective Date: Named Insured: Agency: EPP 012 09 01 01-01-2015
More informationPROFESSIONAL LIABILITY POLICY FORM NO: ECH-401 (26MAR07) The Agreements Between the Named Insured and the Insurer
PROFESSIONAL LIABILITY POLICY FORM NO: ECH-401 (26MAR07) The Agreements Between the Named Insured and the Insurer This Policy is the contract between the Named Insured and the Insurer and was issued in
More informationGeneral Terms & Conditions
General Terms & Conditions In consideration of the payment of the premium and in reliance upon all statements made in the Application furnished to the Insurer designated in the Declarations, a stock insurance
More informationCoverage Part B Public Officials Liability
Coverage Part B Public Officials Liability Various provisions in this Coverage Part restrict coverage. Read the entire Coverage Part carefully to determine rights, duties and what is and is not covered.
More informationELI Personal Liability Umbrella Policy
220 Commercial Street P.O. Box 10 Berwick, NS B0P 1E0 www.kingsmutual.ns.ca TF: 1.800.565.7220 1. Agreement: Personal Liability Umbrella Policy We provide the insurance described in this policy, subject
More informationNAVIGATORS INSURANCE COMPANY A Stock Company Home Office: One Penn Plaza, New York, NY 10119
NAVIGATORS INSURANCE COMPANY A Stock Company Home Office: One Penn Plaza, New York, NY 10119 THIS IS A CLAIMS MADE POLICY. PLEASE READ THE ENTIRE POLICY CAREFULLY. REAL ESTATE PROFESSIONAL ERRORS AND OMISSIONS
More informationUNIVERSITY OF ILLINOIS LIABILITY SELF-INSURANCE PLAN
UNIVERSITY OF ILLINOIS LIABILITY SELF-INSURANCE PLAN First adopted: August 1, 1976 Amended: March 21, 1985 Further amended: July 1, 1992 November 2, 2002 September 6, 2007 June 9, 2011, with an effective
More informationHARBOR MASTER ENDORSEMENT
HOMEOWNERS CCH 13 HM 01 14 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HARBOR MASTER ENDORSEMENT FOR AN ADDITIONAL PREMIUM, THE FOLLOWING ADDITIONAL COVERAGES AND ENHANCEMENTS ARE INCLUDED
More information